Wager Mage
Wager Mage
Photo: Wesley Carvalho
Compare that to each person saving 15% of their take-home pay, the savings rate typically recommended by experts. In that case, it would take six years or more to reach $50,000; five years if they contributed directly to a retirement plan, like a 401(k) or IRA, on a pre-tax basis.
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Surveillance has the capabilty to hear what's going on at the gaming tables. Microphones are installed on tables to pick up and record...
Read More »Setting goals for yourself is smart, as long as you have a roadmap for achieving them. This is especially true for financial goals, like eliminating debt or reaching a six-figure net worth. Devising the right plan is more of a math problem than anything else. Though it may sound extreme, it's really just a hack for building wealth without sacrificing long-term comfort or happiness. Here's how it works: Suppose you're in your early 20s and newly married, or cohabiting with your partner. Instead of subsisting on dual incomes, limit your total spending to an amount that can be covered with just one income. Then, between the two of you, save an amount equal to 100% — or as close to that mark as you can get — of the other income. "Starve," in this case, refers to living well below your means (if you would literally starve using this method, don't do it). The Bureau of Labor Statistics estimates the average 20 to 24-year-old earns about $32,500 a year before taxes. For a couple socking away one income, it would take less than two years to reach $50,000 in savings. Compare that to each person saving 15% of their take-home pay, the savings rate typically recommended by experts. In that case, it would take six years or more to reach $50,000; five years if they contributed directly to a retirement plan, like a 401(k) or IRA, on a pre-tax basis. The idea is to temporarily pinch pennies in order to reach your savings goal — something that's easier to accomplish when you're less established in your career and don't have a family to care for or a house to maintain. The real reason to "starve and stack," however, is to use your savings to invest, ideally in a retirement account. It shouldn't be used to book a luxury vacation or make a down payment on a home, says Vail. To enjoy the full benefits of compound interest, it's crucial to invest early and often. If you're single, the "starve and stack" method may take more sacrifice, but it can still be done. Reducing housing costs, one of the biggest expenses Americans face, by living with multiple roommates, or even back home with your parents, can make a big difference. In the graph below, Vail illustrates how a couple — or an individual — who saves $50,000 by age 25 would fare by retirement, compared to someone who puts off their savings until later in life. He assumes an average annual return of 7%, and continued savings of $5,000 a year until 65. The difference is more than $1.6 million by retirement.
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20 The minimum age for participating in lawful gambling in Japan is 20, which is the age of majority in Japan. Aug 1, 2019
Read More »Yet sometimes the etiquette is not to tip. Tipping is set on precedence and evolves over time, Smith said. If you're ever in doubt on whether or not you should or shouldn't tip, “It is always better to offer a tip than not to tip,” she said.
Being a bad tipper might not be such a bad thing — at least, in some circumstances. Men, Republicans, Northeasterners, baby boomers and folks with credit cards or debit cards tend to be the most generous tippers, according to a new CreditCards.com report. People in those demographics tipped a median of 20 percent when dining out. "What ties all of those groups together is that they tend to be higher income than some of their counterparts," said Matt Schulz, senior analyst at CreditCards.com. "I think when it comes to tipping, it generally comes down to income. The more money you have, the more willing you are to leave money at the end of the night." The worst tippers in the CreditCards.com survey were women, Democrats, Southerners and people who paid with cash. Those demographics tipped a median 15 to 16 percent — which is still pretty good, Schulz said. "When it gets right down to it, Americans are pretty generous when it comes to tipping at a restaurant especially when there's good service," he said. "Unless your service is an absolute disaster, it's pretty hard to justify not tipping at all." And income does not necessarily dictate tipping behavior. Those who've worked in the service industry are also typically generous tippers, according to Jodi Smith, founder of Mannersmith Etiquette Consulting. "People who tend to be more generous generally tended to be people who have waited tables or done a job requiring tips," she said.
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