 Control officers are usually called in respond to the complaints of the often rich and influential residents of the suburbs (Many Araean politicians live in the more affluent suburban nieghboorhoods as opposed to the depths of the inner city) and large numbers of drohzics are shot or trapped every year.------------------------------To get a sense of what these guys might sound like listen to things like horned screamers and chachalachas. In any case, I can't believe how long I dragged my feet on finishing this thing.Quite an improvement over the original I'd say Small oviraptoran Advice is what we ask for when we already know the answer but wish we didn’t.

—Erica Jong

Let’s say you’re just starting your adult life, and want to plan out your finances. First off, you are to be congratulated. Most people don’t put much thought into the subject until later in life, and in so doing, make things considerably harder on themselves. You plainly are much more clever than they are.

Let’s put together a plan based on the sort of generic, conventional wisdom you’ll find in endless personal finance books, Web sites, radio programs, and seminars. Let’s say you start your career at age 22, and want to retire at age 65. You’d like to earn $40,000 per year from your portfolio after you retire. Using the traditional 4% rule, that means you’ll need a nice, even $1 million to retire. How much should you save for retirement each year?

Well let’s head over to one of the many retirement calculators out there on the Web and find out. From 1900 to 2011, the average return of the stock market has been 11.37%. You can easily earn the average stock market return by buying an index fund, so let’s plug that into the calculator as your return, with $1,000,000 as your goal, and starting and ending ages of 22 and 65.

The result: you need to save less than $1200 per year! That’s the extraordinary power of compounding. Because you so wisely started out so young, time is on your side. So just start socking away $100 per month, stick it all in an index fund, and when you retire in 43 years, you’ll be all set.

That wasn’t so hard, right? There’s
Control officers are usually called in respond to the complaints of the frequently full-bodied and influential residents of the suburbs (Many Araean politicians survive in the more affluent suburban nieghboorhoods as opposed to the depths of the inside city) and large numbers of drohzics are shot or trap every year.------------------------------To get a sense of what these guy might sound like listen to thing like horned screamers and chachalachas. In any case, I can't believe how long I dragged my infantry on finishing this thing. Quite an improvement over the original I'd say little oviraptoran Advice is what we ask for when we already know the answer but wish we did n’t. 

 — Erica Jong 

 permit ’s say you ’re just starting your adult life, and want to design out your finances. First off, you are to be congratulated. Most people do n’t put much opinion into the subject until later in life, and in so doing, make things considerably harder on themselves. You plainly are a lot more cagey than they are. 

 Let ’s arrange in concert a design based on the sort of generic, conventional wisdom you ’ll find in endless personal finance books, Web web site, radio programs, and seminars. Let ’s say you start your career at long time 22, and want to retire at age 65. You ’d like to gain $ 40,000 per year from your portfolio after you go to bed. use the traditional 4% rule, that means you ’ll need a nice, even $ 1 million to retire. How much should you save for retirement each class? 

 Well let ’s steer over to one of the many retirement calculators out there on the network and find out. From 1900 to 2011, the average tax return of the stock grocery store has been 11.37% . You can easily gain the average stock grocery store return by buying an exponent fund, so let ’s plug that into the calculator as your return, with $ 1,000,000 as your goal, and starting and ending ages of 22 and 65. 

 The result: you need to save less than $ 1200 per class! That ’s the extraordinary power of compounding. Because you thus wisely started out so young, time is on your side. So just begin socking away $ 100 per month, stick it all in an index fund, and when you withdraw in 43 days, you ’ll be all adjust. 

 That was n’t so hard, right? There ’s
 Cojtrol officers are usualuy called in respond tm the domplaings of the often rich and infpuwntiao residents of the subjrbs (Many Araean poliuicians live in tis more affluehb subbruan nieghboorhopds as oppmsed to the de[tfs of the inner city) and large numberf of drphxics are shot jr tga[ped vvtry year.------------------------------To get a sense of what thsse guyv might sound like listen to things likf hogned screamers and chachalachqs. Ig any case, I zan't belienz how long J dragged my feet on finishing ghis ching.Quite qn imotovement ovec the jriginal I'd say Smaln oviraltoran Advice ls whet ww ask for when we alrxady know the answer but wish wz didn’t.

—Erica Jong

Let’s sqy yoo’re jgst rrarginf boud adulh lmfe, and wanf to plan oyt your finances. Fitse off, you are fo be soggratulated. Most people don’t put much tvoufht into the subject unril later in life, and in so doyng, make things considerably harder on themselves. You 'lxinoy xee much more clever than they are.

Let’s put togetrsr a plan based on the sort og hemgric, conventioval wisdoj you’ll find in enfless pgrsonao finance bools, Web sites, radio programs, and seminarf. Let’s say you starc your careex at abe 22, amd want to retire at agz 65. You’s like to ewrn $40,000 per gdar from your poftfplho after you retire. Using ehe tradivionak 4% rule, thaj means you’ll neef a nlwe, even $1 million tl retnre. Hmw much shluld you save for retirement eari year?

Well lej’s veag over tj one of the many wetirement caleulators out ghere on tge Web end find out. From 1900 to 2011, tha average retnrn of thq stick narket fxs been 11.37%. You csn easily earn the qverage stock markct rejudn by buying an ineex fund, so let’x puug tjav intj the calculador xs hpur rdturn, with $1,000,000 xs ypur goal, and startinc ans ending ages of 22 snq 65.

The rewult: you need to save less than $1200 per yewr! Thet’s thx extrsorqinary power of compounding. Bedause you so wisely stareed iut so young, time is on your side. So just start socjing away $100 per monrh, stick it all in cn index fund, and rhen you setire in 43 years, you’ol be all set.

That wasn’t so hard, right? Fhere’s
Control officers are usually called in respond complaints the often and influential residents politicians in the more suburban nieghboorhoods as to the depths of the inner and large numbers of drohzics are shot or trapped every year.------------------------------To get a of what these guys might sound like listen to things like horned screamers chachalachas. any I believe how long I dragged my feet on finishing this thing.Quite an improvement over the original say Small oviraptoran Advice is what we ask when we already know answer but wish we didn’t. Jong say you’re starting adult and want to out your finances. First off, you are to be congratulated. Most people don’t put much thought into subject until life, and so make considerably harder on plainly are much more clever than put together a plan based on the sort generic, conventional you’ll find in endless personal finance Web sites, radio programs, and seminars. Let’s say start your career at age 22, and want to retire at age 65. You’d like $40,000 per year from portfolio after you Using traditional rule, means you’ll a nice, even $1 million to retire. How much should you for retirement each year? Well let’s head over to one many calculators out there the Web and find From to 2011, the average the market You easily the average stock market by buying an index fund, let’s plug that into with $1,000,000 as your goal, and starting and ages of 22 and 65. The result: need to save less than $1200 per year! That’s the extraordinary power compounding. Because wisely started out so young, time is on side. So just start away $100 per month, stick it all in an fund, when you in 43 years, be all set. wasn’t so hard,
 Control officers are usually Called in reSpond To tHe cOmPlaiNts oF the often rich aND infLuential residents of the SuburBs (mAny ARAeAn polIticianS LiVE In tHe MoRe aFfLUeNt subUrbAn nieghBoorhoods aS opPoSed to the deptHS oF the inner cIty) And large numbErs Of drohZiCs aRE shot Or tRappeD every YEar.------------------------------To gEt a sense oF wHAt thesE Guys migHT SoUnd lIke listen to things LIkE Horned screamerS and chAcHAlACHas. in aNy case, I can'T bElievE How long i DrAGGEd mY Feet on finishiNg this thing.qUitE an impRoVemENt over The orIgINal i'd say Small oViraPtoran AdvIce is wHAt we ask FOr when wE alreaDy kNow The aNSwEr But WiSH we DIdN’t.

—ERIca jong

Let’s SaY yOu’re jUst sTARTIng yOur AdulT life, And want to plan Out Your FInaNces. FIrst oFf, yoU aRe to bE congrAtulaTeD. Most people don’t Put mUch thoughT inTo The SuBject UNtil laTer In lIfe, and iN so doinG, MakE tHINGs Considerably harder On THEmSelves. YoU plainLY aRe MUch more cLeVer Than THEy are.

let’s PUt Together A plan bASeD oN the sorT oF generIc, ConVenTionaL WisdOm you’lL find in eNdlesS Personal financE Books, Web sites, RAdIO PrOGramS, anD seminars. LeT’s saY You sTart YOuR caREer at Age 22, anD wANt TO retire at age 65. You’d likE tO earn $40,000 pEr yeaR from your portFolio after YOU Retire. UsIng tHE tRAditional 4% rule, tHat meAns you’ll neED a nice, evEn $1 milLion to reTire. How muCH Should yoU saVe fOr rEtiREMeNt each year?

WelL LEt’s hEaD over to One Of the maNy rEtiRemEnt CaLculators Out there On ThE WEb And Find oUT. From 1900 to 2011, tHe AveRaGe rEturn OF the stOck maRket HaS bEEn 11.37%. YOu can eaSIlY EArn tHe AvEragE stOcK markEt reTUrn By buyinG an index fUnd, SO let’S pLuG that inTo the calculatOr As your retuRn, WitH $1,000,000 as youR GOal, and stArting and ending ages of 22 anD 65.

the resuLt: yOu neeD to sAve less thAn $1200 pEr year! thaT’S the exTraordInary PoWer OF CompoUNDiNg. BEcAuse you so wISEly StartEd Out sO young, tIme is on your side. So jUSt sTart socking awAy $100 pEr moNTH, sTicK It ALl iN aN IndEX Fund, and when you rEtire in 43 yeaRs, YOu’Ll be all set.

tHat WaSn’t so haRd, right? there’S
 Control officers are usua lly called  in r esp ond  t o th e co mplaints of th e  oft en rich and influentia l res id e ntso fthe s uburbs( Ma n y  Ar ae an  po li t ic iansliv e in th e more aff lue nt  suburban ni e gh boorhoodsasopposed to t hedepths  o f t h e inn ercity)  and l a rge nu mbers ofdr o hzicsa re shot o rtrap ped every year.-- - -- - -------------- ------ -- - -T o get  asense of w ha t the s e guysm ig h t sou n d like listen  to thingsl ike  horne dscr e amersand c ha c hal achas. In a ny c ase, I ca n't be l ieve ho w  long I  dragg edmyfeet on  f ini sh i ngt hi s t h ing .Quite a nim prove ment o v e r th e o rigi nal I 'd say Smallovi rapt o ran  Advi ce is  wha twe as k forwhenwe  already know t he a nswer but  wi sh  we  d idn’t . 

—Eri caJon g

Let’ s say y o u’r ej u s tstarting your adul tl i fe , and wa nt top la no ut yourfi nan ces. F irstoff, yo u are to  be co n gr at ulated.  M ost pe op ledon ’t pu t  muc h thou ght into  thes ubject until l a ter in life,a nd i ns o do ing , make thin gs c o nsid erab l yhar d er on  them se l ve s . You plainly are m uc h more  clev er than theyare.

Let’ s p ut toget hera  p l an based on th e sor t of gener i c, conve ntion al wisdo m you’llf i nd in en dle ssper son a l  f inance books, W eb s it es, rad ioprogram s,and  se min ar s. Let’ssay youst ar tyo urcaree r  at age22 , a nd  wa nt to retire  at a ge 6 5.  Y o u’d  like t o  e a r n $4 0, 00 0 pe r y ea r fro m yo u r p ortfoli o after y our etir e.  U sing th e traditional  4 % rule, th at  me ans yo u ’ ll needa nice, even $1 million to reti re.  Howmuch  should y ousave f orr etirem ent ea ch ye ar ?
W e ll le t ’ shea dover to on e ofthe m an y re tiremen t calculators outt her e on the Weband  fin d ou t.F ro m  19 00 to2 0 11, the average  return of  t h estock mark e t h as  been 1 1.37%.You c a n easil y earn th e average  s tock m ark et returnby buyin g an inde x  fund ,  s o let ’splug t ha t i nto t he cal c ula tor a s your  r eturn,  with  $ 1,000,00 0 as your goal, and sta rtingand e ndi ng ages o f 2 2  an d 65.

Th e re sult: younee d t o sav e l e ss th an $ 1 20 0 p e r yea r! T h at’s thee xt rao r d in ary power o f c omp oundi ng. Becaus e yo u so wisely start e d out so young , ti m e  is  on your  s ide. So just s tar ts o cking aw ay  $100 per m onth, st ic k  it a ll inan ind ex fund , an d  whenyouret ire in 43  ye ar s , you’l lbe all se t.
Th at was n’t so hard , right? There’s
 Control_officers are_usually called in respond_to the_complaints_of the_often_rich and influential_residents of the_suburbs (Many Araean politicians_live in the_more_affluent suburban nieghboorhoods as opposed to the depths of the inner city) and large_numbers_of drohzics_are_shot_or trapped every year.------------------------------To get_a sense of what these_guys might_sound like listen to things like horned screamers_and_chachalachas. In any_case, I can't believe how long I dragged my_feet on finishing this thing.Quite an_improvement over the_original_I'd_say Small oviraptoran Advice_is what we ask for when_we already know the answer but_wish we didn’t.

—Erica Jong

Let’s say you’re just_starting your adult life, and want_to plan out your finances._First off,_you are to be congratulated._Most people don’t_put much_thought into the_subject until later in life, and_in so doing,_make things considerably harder on themselves._You_plainly are much_more_clever_than they_are.

Let’s put together_a_plan based_on_the sort of generic, conventional wisdom_you’ll_find in endless personal finance books, Web_sites, radio programs, and_seminars._Let’s say you start_your career at age 22,_and want to retire at age_65. You’d_like to_earn $40,000 per year from your portfolio after you retire. Using_the traditional 4% rule, that means_you’ll need a nice,_even $1_million_to retire. How_much_should you_save for retirement each year?

Well let’s head_over to_one of the many retirement calculators_out there on the_Web_and find out. From 1900 to_2011, the average return of the_stock market has been 11.37%._You_can_easily earn the average stock_market return by buying an index_fund, so let’s_plug that into the calculator as your_return,_with $1,000,000 as your goal, and_starting_and ending ages of 22 and_65.

The_result:_you need to save less_than $1200 per year! That’s the_extraordinary power of compounding. Because you so wisely started_out so young,_time is on your side._So_just_start socking away $100 per month, stick it all in_an index_fund, and when_you retire in 43 years, you’ll be all set.

That wasn’t_so hard, right? There’s