Quick Easy Fit » Living http://www.quickeasyfit.com Care of your Health And Life Start Here Fri, 17 May 2013 15:06:12 +0000 en-US hourly 1 http://wordpress.org/?v=3.5.1 5 Reasons Why Making Your Own Toxic-Free Household Cleaners is a Good Ideahttp://www.quickeasyfit.com/5-reasons-why-making-your-own-toxic-free-household-cleaners-is-a-good-idea/ http://www.quickeasyfit.com/5-reasons-why-making-your-own-toxic-free-household-cleaners-is-a-good-idea/#comments Thu, 09 May 2013 11:53:21 +0000 By Staff http://www.quickeasyfit.com/?p=5601 By – Sarah Boisver
It is a good idea to make your own toxic-free household cleaners in order to improve your health and save money as well. This brief article will discuss five reasons why such organic cleaning agents are good for both you and your pocketbook.

Human Health First

Basic human health is the first reason anyone should prefer homemade cleaners to commercial, chemical-based products. It is simply not a wise risk to use a cleaning product if you are unaware of its negative potential health effects. Many cleaning products on the market these days are loaded with chemicals, some of which are dangerous to human health.

Also, there are people who have severe allergies to cleaning products containing chemical compounds. These products are often more expensive than the cost of making your own organic toxic-free cleaners.

Cost Savings

A second reason people should make their own toxic-free household cleaners is price. Often, the cost of creating your own cleaning agent is far lower than if you purchase a product in a store.

For example, apple cider vinegar is an inexpensive cleaning agent that has been used as a household cleaner for centuries. Another product that is both inexpensive as well as very effective for cleaning tasks is baking soda. If you wet baking soda, it can be used to clean most surfaces.

Environmental Health

The health of the environment is a third reason making your own organic cleaners is a good idea. Many of the commercial cleaning agents available in stores contain dangerous chemical compounds that enter the water, soil, and air, affecting the earth’s ecosystems. If you “vote with your dollars” and boycott commercial cleaners in favor of homemade organic ones, you will be doing a valuable service to the health of planet earth.

In addition, many of the chemicals in commercial cleaning products are petroleum based. Petroleum is a non-renewable resource unlike organic compounds derived from plants.

Creativity

A fourth reason to make your own homemade cleaners rather than buying commercial ones is it is possible that you will be able to come up with a new combination of ingredients, or an improved recipe, for cleaners. If this were to be the case, you could share what you find online with others, or you could even try to market your toxic-free household cleaner for others to use so they wouldn’t be subjected to dangerous chemicals.

You Can Trust the Source

Finally, in considering five reasons why you should consider making your own toxic-free household cleaners, it is important to mention the subject of being able to trust the source of your household cleaner. If the source is a large multi-national corporation, their goals may be just to sell products for financial gain, and they may not also include concern about the health of our world population or that of the world’s environment.

If, on the other hand, you make your own cleaners, you can trust the source. You know exactly how much of each ingredient has gone into making the cleaner. You don’t need to wonder if you will find yourself subjected to a chemical you are allergic to, or which would be detrimental to your bodily health.

In short, you just may be healthier and happier!

Sarah Boisvert is an author who has written on a wide range of topics. She has written on everything from gutter sizes to food and wine pairings and everything in between.

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Involved In A Road Accident? Simple Steps to a Resolutionhttp://www.quickeasyfit.com/involved-in-a-road-accident-simple-steps-to-a-resolution/ http://www.quickeasyfit.com/involved-in-a-road-accident-simple-steps-to-a-resolution/#comments Wed, 01 May 2013 14:26:54 +0000 Mandy Seay, Editor http://www.quickeasyfit.com/?p=5561 After a serious car accident, most logical thinking goes out of the window (pardon the poor choice of words). Where possible, you should always try to keep calm and ask yourself if you’re sticking to the following criteria:

Stay Where You Are

A hard and fast rule after an accident is to stay at the scene, unless you’re in need of emergency or immediate treatment. Otherwise, you should always remain near-by; especially if someone has been severely injured or killed. Leaving the scene could be perceived as ‘hitting and running’ and you could face legal action.

Check That Everyone Is Okay

If you’re largely unharmed by the accident, check that everyone else is equally as unscathed. Call an ambulance immediately if anyone needs medical attention. Any seriously injured members of the party should be left where they are until a qualified professional can examine them. In special situations, such as the person is lying in flammable fluid, try to move the person extremely slowly – don’t panic. When attempting this, support the head and the spine.

Call the Police

In minor accidents, you may want to just exchange details with the other driver and contact your insurance company, but if the collision was more serious – or blocking the flow of traffic – you should call the police.

Always get the details of everyone involved: names, phone numbers, addresses, drivers’ license and license plate numbers, and insurance information. Try to be civil to everyone involved, even if the accident was clearly their fault. Don’t apologise for anything while you’re there – you make yourself legally liable. Save any guilty feelings for later.

Take Pictures

An obvious way to compile evidence is to take pictures of the scene. Most phones have camera lenses, so if you’re mobile hasn’t been damaged in the accident, take pictures of everything you can – especially damage to your vehicle. If you have pictures of your car before the accident, you can quite dramatically compare the images.

Talk To Witnesses

Responsible drivers will pull over if they directly witness an accident. Witnesses can be invaluable; especially in serious accidents. In some cases, no-one is in any condition to call an ambulance and concerned civilians can be really helpful. Get their details too and ask them for their third person point of view. Write down what they say and get them to sign it off.

Touch Base with Your Insurance Company

Once you’re safe, call your insurance company and tell the truth. If you lie, you’ll be in serious trouble and may not receive the cover you need for the damages to your vehicle. Request the police report off the authorities and present this as evidence to your insurance company. Taking an active interest in your rights will show your insurance company that you mean business.

Medical Treatment

If you want to make a claim, it’s important to take the details of the doctors who treat you and the diagnosis.

Produced for Jigsaw Law, personal injury solicitors offering legal advice to people with a wide range of issues relating to either a road, work or any other accident for that matter.

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Top Five Things to Consider When Buying Luggagehttp://www.quickeasyfit.com/top-five-things-to-consider-when-buying-luggage/ http://www.quickeasyfit.com/top-five-things-to-consider-when-buying-luggage/#comments Mon, 29 Apr 2013 04:59:29 +0000 Mandy Seay, Editor http://www.quickeasyfit.com/?p=5548 Whether you’re packing to go on holiday, for a sporting event or a business trip, having the right kind of luggage can make the difference between having a smooth journey or arriving exhausted and feeling stressed.

Give yourself plenty of time look around at the various styles of luggage available, do price comparisons and, if possible, ask amongst your friends what they like and dislike about their luggage. Learning about the problems other people have encountered can help you to avoid making the same mistakes. Here are five important considerations to bear in mind when you go shopping for new luggage.

Durability

Luggage whether for sport or leisure needs to be durable. At airports, the baggage handling staff don’t have time to be gentle with luggage, so cases and bags tend to get thrown around. In all travel situations, luggage is constantly on the move and rubbing up against other luggage or possessions. If you’re a frequent traveller, making sure your baggage is well-constructed and strong will ensure maximum life and protect the items inside it.

Dimensions

How big your suitcases and bags are may not seem like such an important consideration as long as they hold all your possessions, but airports often put size limitations on luggage. If you want to take your bag into the cabin, you may find it needs to be within certain dimensions otherwise you’ll be asked to place it in the hold, which may incur additional hold charges. Check size restrictions with your airline before buying luggage, since baggage size allowance varies.

Weight

As airlines place more restrictions on the amount of weight each passenger can carry, the more lightweight your luggage, the more you can pack. Modern suitcases and sports bags are often made with lightweight frames and materials, so always shop around and compare the unpacked weight of the bag or case.

Portability

You want your bags to be easy to manoeuvre. Stand cases on their ends and make sure they don’t topple over, pull wheeled suitcases along behind you and make sure they travel smoothly without falling over. Check the handles are comfortable to grip, and make sure extending handles move freely without catching.

Inner Space

Do you want separate pockets for toiletries or shoes? Do you need document compartments or securely zippered outer compartments where you can stow a passport or spare cash? Consider the type of packing you need to do, remember how awkward and stressful busy airports or docks can sometimes be when you can’t find the documents you need, and make sure your luggage meets your individual requirements.

Taking care in choosing the right luggage will make your journey even more fun and enjoyable. Happy Landings!

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The Five Best Places To Start a Familyhttp://www.quickeasyfit.com/the-five-best-places-to-start-a-family/ http://www.quickeasyfit.com/the-five-best-places-to-start-a-family/#comments Thu, 25 Apr 2013 10:34:13 +0000 Mandy Seay, Editor http://www.quickeasyfit.com/?p=5533 Starting a family can be difficult in certain areas. Cities with high crime rates, few services and poor education systems will put new families at a disadvantage when attempting to raise a child. Many parts of the country have gone to great lengths in order to create an environment that is friendly towards young families. Five locations have consistently been ranked as some of the places to start a new family.

5. California

California has a diverse but comfortable climate that includes mountains, beaches and forests. It has an excellent and affordable education and healthcare system. Families can move between towns or cities as needs change. It has an expansive economy that includes a majority of the successful technology companies in existence today. Cities like San Francisco and Claremont are regularly selected as some of the best places to live. Smaller cities like Irvine offer quiet and safe streets. Families moving to the area also have access to Irvine CA storage units that can hold furniture and other items while exploring the city and looking for housing.

4. Austin, Texas

Austin is a vibrant city that provides nearly everything a new family needs. The city is in a warm climate with moderate weather. It has a great healthcare system and good public schools in the right neighborhoods. The city has had low unemployment for some time now. It is home to emerging technology and research companies as well as part of the University of Texas. Austin is widely known for the many cultural and entertainment events that are held throughout the year that will keep children engaged. The city is also located in a good location for people moving from New Mexico who need to bring along items kept in Albuquerque self storage units.

3. New York City

New York City is a great place to raise a family. The city is not for everyone, however. New York is one of the cultural and financial centers of the world. Nearly every service and product imaginable is available to a new family and is usually located very close by. New York contains some of the most innovative schools and universities in the country. It also has a massive economy that encompasses everything from retail sales to medical research. Families do not need to keep a car in the city because of the efficient public transportation system. The main drawback is that housing in some areas can be very costly.

2. Boston, Massachusetts

Boston is similar to New York because the city invests heavily in education for children. It also has some of the best medical institutions in the country providing affordable and advanced healthcare. The city has a growing economy and is close to many natural areas throughout the state. Boston has the added advantage of being much more affordable than some neighborhoods in New York. Boston regularly makes the top lists as one of the best places to live and work.

1. Solon, Ohio

Solon, Ohio was recently voted the best place to raise a family in the country from thousands of other entries. This small city has many excellent features. The schools in Solon have very high graduation rates. The city has low unemployment. There is low crime. Homes are priced reasonably and are spacious. Solon also regularly holds festivals and events designed to address social issues and charitable causes. Children growing up in Solon will experience the feeling of a small town with all of the amenities of a large city.

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10 Reasons for Staying Single: Menhttp://www.quickeasyfit.com/10-reasons-for-staying-single-men/ http://www.quickeasyfit.com/10-reasons-for-staying-single-men/#comments Tue, 16 Apr 2013 11:50:12 +0000 Mandy Seay, Editor http://www.quickeasyfit.com/?p=5473 They say that the grass is always greener on the other side, and this is especially true for single men. If you are one of them, you will relate to the feeling of watching happy couples with contempt coming to the same club where you go to drink every week, all by yourself.

But do not lose heart. If you have never looked at the big picture, here is a list of 10 reasons why single men should be happy about being single.

You can Do what You Wish
That sounds simplistic and even uninteresting. You may ask, ‘who is stopping me from doing what I want in a relationship?’
But seriously, can you wake up all night without anyone asking or roam around the house without worrying about what you are wearing when you are committed? No! These ‘delights’ are out of bounds for men in relationships.
But it is not just about spending 24 hours playing video games. You can pursue higher studies and complete additional courses before you engage in a serious relation.

You can Spend Time with Friends
Giving undivided time to friends is only possible when you are single. Watching the Super Bowl or playing poker can be enjoyed thoroughly as long as you are not dating anyone seriously.

You can Be a Happy Workaholic
If you want climb up the career ladder, you may have to bear the cost of not giving your partner the time she needs. But when you are single, you can do all the overtimes and all-nighters you like without keeping anyone waiting.

You can Be Spontaneous
Want to spend a weekend abroad? Go ahead and do it. You don’t have to plan with your girlfriend, nor ask her opinion. You can just go when and where you like. One more joy of being single!

You have Endless Possibilities
When you have no one in your life, in reality you have everyone! What this means is that you can meet and mingle with whoever you like while you are single. All your options are open.

You can Drink what You Want
Another benefit of being single is that you can decide when to go out and where to go. Moreover, you can order whatever you like, be it food or alcohol.

You can Attend to Your Own Family
A girlfriend or a wife means that you have to divide your time between her family and yours, and mostly it is a taxing job! As long as you are single, you can provide complete care to your folks.

You will not Be Heart-Broken (At least for Now)
Although you may suffer emotional failure at some point in time, why suffer heartache when you are enjoying your youth?

You can sleep as you want!
Sleeping on a full bed is also a joy for the single man, but you can also indulge in quirky habits when no one is sharing your apartment.

No one will Take Away Your Interests
Having someone in your life is great, but it is inevitable that she will bring some major changes in your life. You may have to visit her family instead of having a BBQ with friends. Are you prepared for this?

So think about it; is it still that bad?

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5 Ways to Fund Your Dreamshttp://www.quickeasyfit.com/5-ways-to-fund-your-dreams/ http://www.quickeasyfit.com/5-ways-to-fund-your-dreams/#comments Fri, 12 Apr 2013 04:11:19 +0000 Mandy Seay, Editor http://www.quickeasyfit.com/?p=5457 There are many people who work many hours each day just to make ends meet. People work extremely hard just to make other people rich. Why not make your own dreams come true? It is not that difficult to find a way to meet your goals. Some are apprehensive because they do not believe that it is realistic to leave a stable job to take the risk of opening up their own business. However, loving what you do is almost as important as making a living.

If you are interested in making your dream a reality there are a few ways that you can go about it:

  • Borrow start-up capital from lending institutions, or even from your friends or family
  • Put a certain percentage of your monthly earnings into a separate account to save up for your business
  • Get a personal loan from the bank
  • Look for potential investors
  • Do a cash advance on your credit cards

As with everything in life, there are pros and cons when it comes to starting your own business. Those are just a few ideas on how to get started. Borrowing from friends and family is great if they are not struggling to pay their own bills. This can get a bit risky if you are unable to make payments on time. Mixing business with friends and family works for some people but causes arguments and rifts for others.

If you are thinking about loaning money from a bank, it would be best to be knowledgeable in the many types of loans that are available. You can take out a secured personal loan which means that you give the lender some sort of security that makes the loan application easier to get approved. Unsecured personal loans can help as well because this is less risky for the borrower.

Many people fear going into debt and do not want to turn to the bank to borrow funds. However, if you are disciplined with making payments on time and are really set on making your business a success, the bank will actually become your best friend. There are so many ways that a bank can help – from lending money to open your business to lending funds to promote it.

Life is too short to spend most of your life working at a place that you do not love. Step out of your comfort zone today and see what awaits you. Funding your dream should be a priority. While there are many things to consider, it is something that you will always wonder about if you don’t bite the bullet and give it a go.

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Best Cities for Frugalistashttp://www.quickeasyfit.com/best-cities-for-frugalistas/ http://www.quickeasyfit.com/best-cities-for-frugalistas/#comments Thu, 11 Apr 2013 14:39:51 +0000 Mandy Seay, Editor http://www.quickeasyfit.com/?p=4352 The economy certainly isn’t at it’s best, but that doesn’t mean you can’t look yours. Instead of using a smaller budget as an excuse to look frumpy, consider visiting a large city near you to find frugal fashions. Cities often boast a wide variety of thrift stores; some even organize bus tours to local shops or host large consignment events on a yearly basis. These metropolitan areas are the perfect place for adding to your closet, scoring inexpensive accessories, and putting together hot new looks. If you’re struggling to keep your look fresh, a road trip just may be the answer.

New York City

The Big Apple is known for fashion, but thrift may not always come to mind. When most people think of New York, they think of expensive retailers like Saks and Barneys. What you may not realize, though, is that these retailers have sample sales on a regular basis to get rid of excess stock. If you’re a fan of luxury merchandise at low prices, be sure to check the dates of these sales and mark them on your calendar.

New York is also full of consignment shops and discount stores, so be sure to wander around downtown and take in the wide variety available. These lovely little shops are the perfect place to find special accessories to go with your main fashion pieces – dress up a little black dress with a unique scarf or belt, or pick out the perfect one of a kind earrings to go with your favorite top. New York City is the place to dress impeccably while on a budget.

Atlanta

Atlanta isn’t just about southern hospitality – this Georgia city is also known for its multiple vintage and consignment stores. There are actually so many thrift stores in Atlanta, and the hobby has become so popular, that there are several bus tours organized each year. Participants pay a small fee and are bussed around the city from one consignment shop to another on a guided adventure.

In addition, the city is home to multiple swap meets, lasting one or more days. Participants can donate their gently used clothing, shoes, jewelry, and accessories. Most events are hosted by charities, so participants pay a small fee to participate, and can then spend the day trading their used belongings. These events are a wonderful way to add flair to your closet inexpensively while helping a good cause.

Seattle

Seattle is home to the Annual YWCA Closet Treasures consignment event. This two day experience lets participants donate to a good cause, while boosting their wardrobe at the same time. Large consignment sales are the perfect way to quickly add flair to your closet, so be sure to make time in your schedule to attend this annual event.

Seattle is also home to numerous craft fairs, farmers markets, and more. If you’re a fan of unique accessories, this type of event is the perfect place to pick up scarves, handmade jewelry, and other one of kind items. Accessorizing can make an old outfit look brand new, and is one of the best tricks a frugal fashionista can master.

Washington, D.C.

Our nation’s capital is always on the move, with streets that bustle with vendors, boutiques, and quirky little shops. This eclectic city is the perfect location for those who want to save pennies but still look stunning. Washington, D.C. is home to numerous thrift stores as well, where you can pick up vintage items to add to your look inexpensively. Be sure to check the city for overstock sales and outlet stores, as well, to cash in on designer looks at low prices.

When you need to freshen up your look inexpensively, a visit to a larger city may be in order. It may only take one visit to a high quality consignment store, a sample sale, or another type of thrifting event to spruce up your look for the upcoming season – the best part is that you can do it on the cheap. Save hundreds of dollars while updating your wardrobe by making the decision to purchase used clothing and jewelry. Your wallet will thank you, and you’ll still look awesome.

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The features and prices of vacuum machineshttp://www.quickeasyfit.com/the-features-and-prices-of-vacuum-machines/ http://www.quickeasyfit.com/the-features-and-prices-of-vacuum-machines/#comments Wed, 10 Apr 2013 10:50:02 +0000 By Staff http://www.quickeasyfit.com/?p=5450 Vacuum machines are now widely used in all over the world and when people generally hear this term the first thing that come in mind is house cleaning vacuum machines. Off course vacuum machines are used for cleaning houses but a special type of vacuum machine is also available in the market that is used for simply packaging purposes and it has nothing to do with cleaning. Generally, there are two processes of vacuum sealing. With the increase purchase of packet foods the demand of vacuum packages is also growing highly. The cheap cost associated with packet foods have now lead families to opt for these kinds of eatables. Using vacuum machines for food packaging can keep out the air from packets which in turn keep the products fresh for a longer period of time.

How to use a vacuum machine?
Vacuum sealers are generally made up of steel and consist of a central area for sealing packages. You can set the time, temperature, sealing time and pressure to get a package sealed properly. After setting everything you should close the lid. The machine will then automatically vacuum the air out of the packet and seal it within seconds. This can guarantee that the food inside will remain fresh for several years to come. The price usually ranges from $100 – $10000 and it depends on the use of the product. Vacuum sealer supplies are also not available at cheap rates and you will also need to spend a decent amount on operating orders and handling the machine.

Pack everything you want with vacuum machines
The first vacuum sealing machines were not as efficient as of today and now you can package everything that you wish to. Present day models are more smart and advanced. Ranging from custom seal designs, programmable tightness, to the regulation of pressure that is used for compressing packets, you can get every facility with the new range of vacuum packaging machines.

Food packaging machines for domestic sealing
Almost all vacuum packaging machines available in the market are designed for commercial uses but you can buy a smaller one that includes less variation for domestic sealing purpose. The commercial ones are used for larger items while for small products and few packaging you can choose a small domestic vacuum sealing machine.

There are endless advantages of using this kind of machines for packaging food products and some of them are listed below:

  • Packaging can help customers to get a complete description about the food product which includes manufacturing date, expiry date, and composition of the product etc.
  • Attractive package is one of the silent marketing tools that are used by almost all companies for promoting its sales. Good and colorful packages can easily attract people which can really give a boost to the company’s sale.
  • Packaged foods are quite easy to cook and some of them even contain high nutrients that are necessary for your bodies.
  • Packaging enable to eliminate food contamination, thus keeping it fresh and healthy for a long period of time.

Why some people do not want to stress on packaging?
Many people do not tend to understand the need of food packaging and they think that it is use simply to attract customers. They fail to realize that packing of foods can also protect them from environmental contamination. It also protects the food during handling, transportation and storage. There are various types of packaging like metal packaging, glass packaging, plastic packaging that can help to increase the shelf life of products. It is important to take care of the material that you use in packaging because sometimes it reacts with the food that is contained inside. To know detailed information about machine a mettre sous vide you can visit the online websites.

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Tired of Not Finding Mr. Right? Relocatehttp://www.quickeasyfit.com/tired-of-not-finding-mr-right-relocate/ http://www.quickeasyfit.com/tired-of-not-finding-mr-right-relocate/#comments Tue, 09 Apr 2013 02:14:37 +0000 By Staff http://www.quickeasyfit.com/?p=5441 By - Marie Genovese

Are you tired of seeing the same ol’ guys at the same ol’ bars?  Have you kissed frog after frog and still not found your Prince Charming? Then it might be time for you to get a fresh new perspective in a new location. If there’s nothing tying you down or holding you back, make the leap and relocate to a new town. A wise woman once told me, “I have a Mr. Right out there somewhere, he’s just not in the same state.”

What are You Waiting For?

You’re young, hot and don’t have anything tying you down. Moving can be an exciting adventure. You have the opportunity to be anyone you want to be and make a fresh start. Kristen Green, avid mover and reporter for Richmond Times-Dispatch, met her Mr. Right after a move to California. Moving was always an exciting adventure for her, and after leaving her ex-boyfriend to move to California, she met and married her husband.

Look to Your Job/Passion for Ideas

Thinking of throwing a dart at the map of the U.S. to see where to relocate? You could do that, or consider your job and passions to take you to a place where they can be explored. Are you a nurse looking for adventure? Consider becoming a traveling nurse, where every few months you’re in a new state with new surroundings. Do you love music? Consider moving to a music-friendly town like Nashville, Seattle or New York City. The bonus to moving where your passions lie? You will very likely find a man who shares the same interests as you … the makings of a lasting relationship.

Tips for the Move

Give yourself at least a month to pack your belongings and find a new place to live. If at all possible, visit the city where you plan to move and start making connections. Keep an eye and ear out for job leads and housing options while visiting. If you’re strapped for cash, hold a garage sale with all the items you don’t want or need anymore. This also helps clear the clutter and prevents you from spending time and effort moving things you don’t actually plan to keep.

Pack a little each day and clearly mark each box. Pay attention to the season, too. If you’re moving in the summer you definitely won’t need any of those winter clothes so pack those first. Consider shipping some items in advance and have them delivered to your new place.

If you have a pet, verify that your he is up-to-date on all vaccinations and plan for his move: whether by plane or car.

Don’t forget to transfer all your accounts. This includes financial, insurance and utility accounts. Don’t forget to transfer your magazine subscriptions as well. File all the necessary paperwork to change your address to your new location.

The world is your oyster ladies, get crackin’.

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5 Step Guide to Understanding IRAshttp://www.quickeasyfit.com/5-step-guide-to-understanding-iras/ http://www.quickeasyfit.com/5-step-guide-to-understanding-iras/#comments Sun, 31 Mar 2013 14:44:55 +0000 Mandy Seay, Editor http://www.quickeasyfit.com/?p=3797 Retirement planning is a mystery for many Americans. If you’re like us, you know all too well how easy it is to let your eyes glaze over when someone starts talking about stocks and shares, 401(K)s and IRAs. Unfortunately, knowing what these terms mean and how to best plan for your retirement is part of being a modern grown up. Here’s a handy five-step guide that explains the basics in just a few minutes.

What is an IRA?

IRAs are Individual Retirement Accounts, or private accounts that you contribute to on your own, in order to save money for retirement. The money you contribute is then split up into stocks, bonds, mutual funds, and other assets, so that it grows for you until you need to withdraw it. The big advantage to IRAs is that your money is deposited before tax, which is a bit like getting an additional 33% on each dollar you save.

Know the Benefits of IRAs

The other benefit of an IRA is that your money grows tax free. This allows the money that you’re saving each year to work for you until you need it, instead of sitting stagnant in a savings account or bond. Your IRA is separate from the 401(K) plan you may have through your employer, allowing you to set aside extra money for retirement. Some IRAs are also available to small business owners and the self-employed, where a 401(K) may not be.

Learn About Traditional IRAs

Traditional IRAs are available no matter your income. The money that you put in the IRA is taxed when you withdraw it, which you must start doing by the time you’re 70 1/2. Most IRAs have a maximum contribution of $5,000 per year.

Learn About Roth IRAs

Roth IRAs have income limits. The money that you add is taxed when you deposit it, and withdrawals must begin by the time you turn 70 1/2. Roth IRAs are available to the self-employed.

Know When to Contribute and When to Withdraw

Your IRA is designed to supplement your other savings, such as your 401(K). There’s no employer matching on these plans, and they typically cap at a $5,000 contribution per year. For this reason, it’s wise to begin contributing to this type of plan as soon as possible, so that your money has time to work for you.

Crunch the numbers carefully to see what options are best for you.

Once you’ve invested your money in an IRA, there are typically steep penalties for withdrawing it before retirement age. Some exceptions to these penalties may include: paying for college expenses, purchasing a first home, medical expenses that eat up a large portion of your income, or a disability.

Before you decide on an IRA, speak to a financial planner to discuss your options. He or she will be able to advise you of the investment choices that are available in your area, as well as the best approach for you to save for retirement. Retirement options will vary depending on your working arrangement, income, health and other factors, which a professional will be able to help you sort out. Happy saving!

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