Day: May 19, 2013

Millions of Americans Have Inadequate Means to Retire. Get the Retirement Facts.

Despite the Dow hitting all-time highs, millions of Americans still have a dismal outlook when it comes to their own ability to retire.

Consider these five statistics:

46% of Americans have less than $10,000 saved for retirement. (Employment Benefit Research Institute)

40% of baby boomers now plan to work until they die. (AARP)

36% of Americans say they don’t contribute anything at all to their savings. [CNBC]

87% of adults say they are not confident about having money for a comfortable retirement. (Lifehappens.org)

Expected retirement age is up to 67 from age 63. (Zero Hedge)

So why, in the great prosperous country of America, are so many faced with doomed retirement dreams?

Those who took the surveys pointed to the rising cost of living and day-to-day expenses as the reason they are worried about or unable to save enough for retirement. And many also noted that rising healthcare and long-term care costs will have a major impact on their ability to afford a comfortable retirement.

Adding insult to injury is the fact that the once mighty dollar no longer goes as far as it once did, as a result of the loose monetary policies from the Federal Reserve.

“The biggest retirement mistake people make is they stick their money in a bank,” comments Aaron DeHoog, the financial publisher of Newsmax. “The reality is, inflation will destroy 50% of your savings every 22 years if you let it sit there. You have to put your money to work, safely.”

The problem is that current yields on safe investments, like CDs, bonds, and money markets, pay 85% less than what they did just six years ago.

via Millions of Americans Have Inadequate Means to Retire. Get the Retirement Facts..

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H&M Plus Size Model Jennie Runk Puts Unexpected Fame to Good Use | Fashion – Yahoo! Shine

Plus-size fashion model Jennie Runk isn’t just sitting pretty—she’s using her fame to promote positive body image in an essay she penned Wednesday for the BBC News. In the editorial, she urges women to stop worrying about their thighs and feel comfortable in their skin no matter what type of body they have, touching on her own awkward teenage years.

More on Yahoo! Shine: Abercrombie & Fitch Attack Video Aims to Dress Homeless Everywhere In “Cool Kid” Brand

Runk rose to prominence in early May when she was selected by clothing retailer H&M to model their new swimsuit line on the company homepage. For the campaign, the 24-year-old 5’10 beauty, who wears a dress size 14-16, traipsed on a beach wearing bikinis and one-piece swimsuits. The seemingly innocent photo series sent shockwaves around the Internet. First, H&M has a history of featuring toned models (Gisele is the company’s latest cover girl, replacing a bikini-clad Beyonce) so selecting Runk, of normal, healthy proportions, to model their new line was a refreshing departure. And second, unlike many companies who bury plus-size selections deep within their websites, H&M never once mentioned the word “plus-size” on the same page as the images of Runk (you have to click on the clothing samples to land in the plus-size section). The company message was clear: “Our model isn’t stick thin—so what?”

via H&M Plus Size Model Jennie Runk Puts Unexpected Fame to Good Use | Fashion – Yahoo! Shine.

Corporate Logos That Contain Subliminal Messaging – Yahoo! Finance

Whether you realize it or not, a brand’s logo speaks to its viewer on many levels.

There’s the initial recognizability factor—if a logo is too complex or unrelated to its brand, it risks being glanced over without communicating its brand’s message. For that reason, modern logos tend to err on the side of boldness and simplicity.

But a closer look at many logos reveals more subtle marketing tactics.

You may have noticed the subliminal features of some of these designs in the past. But have you looked hard enough to see them all?

via Corporate Logos That Contain Subliminal Messaging – Yahoo! Finance.