any recommendation to change portfolio in 401k once you hit 45
start paying attention and thinking about your targeted retirement balance. set a goal and an allocation and rebalance regularly to stay on track and mitigate risk.
in 1 out of 10 days the portfolio value will decline by usd 500000 or more if you have to ask, your too old first, thank you for serving our nation.


second, it will be important to understand your stage in life. presumably, you may be turning 19 after your a-levels or 20 after your poly studies. either way, you are young and have a long investment runway ahead of you.


third, where can you place your money while you serve the nation for the next two years?


www.squirrelsave.com.sg


assuming you can get emergency funding if needed from your parents, then you must decide the risk you want to take in placing the money.


the safest (lowest risk) with no return is to literally keep your money in the safe. that’s not the best way frankly when there are slightly riskier ways to grow your money with decent returns.


one possibility is to place into a bank savings account in singapore, preferably in a fixed deposit which offers a higher return than the basic savings account.


however, i would recommend investing in a well-diversified global portfolio, especially when you have two years of runway to grow your money. after all, it will be good to have good returns after you complete your national service to help you meet expected expenses when you further your studies or take a well-deserved holiday.


investing globally is easy with robo-advisers. pick one which is fully automated where you don’t have to make decisions except how much to invest. in selecting the robo, check if the risk management is done by machine learning ai or if it is managed ultimately by a human manager. diversification requires massive data analytics, which is not humanly possible. yet it is easily done with the computing power available today.


before you start, you need to know or select your own risk profile. it is not easy as most people do not do what they say. further, conventional risk profiling poses technical questions which some people may not fully understand. instead, look for risk profiling tools which reflect your personality and risk-reward behaviour. using such a tool that can analyse your risk-reward attitude is a critical step to start your investing journey.


www.squirrelsave.com.sg hi liesel, thank you for the question.<br><br>the recommended age for botox (all areas of concern) is between 28 and 35 years, however, the main deciding factor is dependent on the degree of sun damage and the onset of wrinkles. the youngest patient i have treated for severe glabellar lines (frown) is 17 years of age. you should also consider adding, to your decision of starting botox treatments, a good topical regime consisting of:<br>alpha hydroxy acids, polyhydroxy acids, anti-oxidants, vitamin a or retinal acetate, and a good spf that contains zinc oxide and/or titanium dioxide.<br>glycolic acid peels (my preference is neostrata)<br> you should have three choices.

 thanks for the update...i'll check it out. No, it would be forced to switch.


Source-Experience I think when he said he was a playboy he might not have been lying. He might just not be mature even though he's 40 and while he might be good with monogamous he might not be into having a serious relationship. I tend to attract younger men too. It hasn't been really anything I openly pursued I just look younger on a good day. I haven't gone out with any younger because the men who seemed interested fell just below the 40 year mark or I think they were younger than 40. It's hard to tell sometimes I would suggest looking for an assisted living or Memory Care program. Sounds like he needs to have a Power of Attorney assigned for finance and also one for health care. Has anyone in the family broached these topics with your father? Unfortunately, you are now in the position of needing to be more proactive in caring for your father, much like your parents did for you when you were a child unable to make decisions for yourself. It sounds like it is time for a family meeting with your siblings, if you have any, or contacting your local Department on Aging to assist you with the activities that need to be done to adequately care for your elderly father. that is what the data suggests. "the tamsulosin cohort had a higher incident risk of dementia compared with both the no medication group and the alternative medication group." this was from a study of medicare data of over 250,000 men who were 65 or older. ref: https://www.practiceupdate.com/content/dementia-risk-associated-with-tamsulosin-in-benign-prostatic-hyperplasia/71451 see more... lol do not buy a guide - they are worthless in my honest opinion. i have 8 80s, have played for 7 years, and everythign that i have seen in guides are very obvious and get outdated easy. if you would like a proffession leveling guide however, google " proffession name 1-450 guide", first one that pops up is very good.

for tips, bliz has essentially made it so that you can level as arms, prot or fury.
arms - slow in pve, expecially at low levels. need alot of rage, not the best choice for new players. 2h spec
fury - dual weild spec - good dmg for pve/pvp, only reason this is not the best in pvp is because of the lvl 40 arms talent ( mortal strikes, reduce healing by 50%). get rage fast, kill stuff fast.
prot - 1h sword and board -obviously the tanks pec, but at 40+ it has very good dmg aswell, you own any meele in pvp, besides a prot pally. 


basically, levelling fury would be the best for a new player. just put the points in the places that sound good to you. anything with + dmg/crit is win :)