Crossings TV Asian Television
Improvements made to 2020 Census data collection provides a more accurate depiction of how Asian Americans self-identify By: Staff The U.S. Census Bureau continues to release information from the 2020 Census in order to provide rich information about the changing population of the United States. From the apportionment counts data in April to the redistricting data in August, each data …
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為退休後適當的月收入做出良好規劃
在您進行長期理財規劃時，需要知道答案的重要問題之一，就是：退休後每月應有多少收入才屬恰當？這個答案提供的信息直接影響到您的儲蓄策略。根據勞工統計局（Bureau of Labor Statistics）2016年的數據顯示，65歲以上家庭全年支出的平均值為48,885美元，相當於每月4，000美元左右。 但是每個人的需求不盡相同。所以您退休後每月需要多少錢，將取決於您的生活方式、人生目標、和您對退休生活的獨特願景。以下是Northwestern Mutual的一些提示，協助您開始構思這個問題的答案。 繪製您退休生活的圖像 「當您為夢想中的退休生活做規劃時，顛倒順序可能更有幫助，」Northwestern Mutual位於加州洛杉磯的理財代表Ryan Chang表示。「您對於生命中這一段時期的願景為何？您希望縮減居住空間，搬到海灘上的共有公寓，還是遨遊四海？」 花一點時間，好好思考您在離開工作崗位後，希望過著什麼樣的生活，是您預估日後開支的良好起點。有了起點之後，就可以開始規劃，要怎麼做才能滿足您希望的退休生活的需求。 做些估計 粗估您退休後每月開支的方法之一，就是利用百分之四規則。這個規則建議您在退休後的第一年從退休儲蓄提領的金額不能超過百分之四，並在隨後每一年都提領同樣的金額，但是可以隨著通貨膨脹的比例增加。 當然這個百分之四的規則必然有其限制。好比說，這個規則推定您的退休儲蓄結構是股票和債券各佔百分之50。諮詢一位經驗豐富的理財顧問，根據您個人的獨特需求量身打造個人化的退休收入規劃是一個好辦法。 將常見的理財危機因素列入考慮 「在您估計出退休後需要多少收入後，下一個步驟就是決定如何規劃您的資產，」Chang表示。「為長壽做出退休規劃，會讓您信心十足，在離開工作崗位後，您的儲蓄能夠繼續滿足您的需求和夢想。」 您必須注意市場的波動和通貨膨脹如何影響到您的儲備金，並在必要時做出調整。而且還有稅賦的考慮。也請不要忘了到了要從例如401（k）或傳統IRA等延稅戶頭提領資金時，您提領的資金必須納稅。 根據醫療照護開銷和可能的長期照護需求來做規劃也是明智的做法。這麼做有助於保護您的退休儲蓄。 構建活力充沛的退休儲備金 舒適的退休生活通常意味著有多重收入來源可以支領，例如： 來自社會安全福利金、退休金和年金的可靠月收入。在可能的情形下，盡量用這些來源的保證收入來支付您所有的必須開銷。401（k）和傳統IRA是退休儲蓄的利器，讓您投入稅前資金構建退休儲備金，而且在您的職業生涯中降低您的應稅收入。Roth IRA和Roth 401（k）來自於稅後資金，所以您可以在退休後享受免稅提領。這一類的帳戶可與應稅帳戶合併使用，方便在退休後管理您的賦稅義務。終生壽險（Whole life insurance*) 會在一段時間後累積淨值。當一張保單經過足夠時間累積了一定價值，您就可以在必要時動用累積的現金價值。您可以把它當作在市場變動不定時的保護層。現金儲蓄也能讓您格外安心。比較好的做法是在手邊帳戶中存放相當於兩年收入的資金，這個帳戶必須是可以隨取隨用，變現容易，而且在萬一有需要動用時不需繳納罰款或是高額稅金。 最後的考慮 「在您思考退休收入時也可一併列入考慮的就是您身後的遺產應如何規劃，」Chang表示。「與一位專業理財顧問合作，您可以構建一個將您的收入最大化的辦法，同時納入您希望留給子孫的資產。」 對於「究竟多少才是適當的退休收入？」固然沒有單一答案，與一位技能嫻熟的理財顧問配合可以幫助您開拓一條清晰的道路，讓您規劃安排如何達到個人的退休目標。 *利用保單的現金價值進行借貸，兌現保單，或提領現金都會減低保單的死亡給付額；並可能必須支付超出預期的費用且/或導致意料之外的賦稅義務。承擔未修正的壽險契約（non-Modified Endowment Contract， MEC）。 Northwestern Mutual 簡介Northwestern Mutual 幫助個人和企業達成財務保障已有超過160年歷史。通過整體性的規劃方式，Northwestern Mutual 結合專業理財顧問的專長、個人化的數位體驗、和領先業界的產品，協助客戶規劃最重要的事務。總資產3088億美元，收入311億美元，和價值超過2萬億的有效人壽保險保護，Northwestern Mutual為超過4750萬依賴本公司的壽險、殘疾收入和長期照護保險、年金、中介和顧問服務的民眾提供財務保障。本公司管理由客戶擁有和通過財富管理和投資服務企業控管或管理，總額超過2千億美元的投資。Northwestern Mutual在2021財富雜誌500大（FORTUNE 500）公司中名列90，獲財富雜誌（FORTUNE®）認可為2021年 “全球最受愛戴”的人壽保險公司之一。 Northwestern Mutual是The Northwestern Mutual Life Insurance Company (NM), Milwaukee, WI（壽險和殘疾保險、年金、及包括長期照護福利的壽險）及其子公司的市場營銷名稱。子公司包括Northwestern Mutual Investment Services, LLC (NMIS) (投資中介服務), 中介和買賣, 註冊投資顧問, FINRA 和SIPC會員; …
Read More »Planning for a Good Monthly Retirement Income
When making long-term financial plans, one of the big questions to answer is: What is a good monthly retirement income? The answer can directly inform your savings strategy. According to 2016 data from the Bureau of Labor Statistics, the average 65-plus household spends $48,885 per year, which works out to about $4,000 per month. But no two people are alike, so …
Read More »PSPS is no longer under consideration across the Northern portion of our service area today as offshore winds trend weaker.
About 5,500 customers in 10 counties—Butte, Colusa, Glenn, Lake, Napa, Shasta, Solano, Sonoma, Tehama, and Yolo—previously notified about the potential PSPS today have been informed of the cancelation. Gusty winds in the Southern region of PG&E’s service area could potentially prompt a PSPS impacting about 670 customers in Kern County. Local customers have been notified that potential shutoffs could begin …
Read More »PG&E is Sending One-Day Notifications to About 16,000 Customers
SAN FRANCISCO, Calif.— Pacific Gas and Electric Company (PG&E) continues to monitor a dry offshore wind event impacting small, targeted portions of PG&E’s service area. As a result of this wind event, combined with extreme to exceptional drought conditions and extremely dry vegetation, PG&E began sending one-day advance notifications Wednesday morning to customers in areas where PG&E may need to proactively …
Read More »Power Restored to Essentially All 25,000 Customers Affected by Oct. 11 Public Safety Power Shutoff
Aerial, Vehicle and Ground Patrols Confirm at Least Four Instances of Damage or Hazards to Electric Equipment That Could Have Sparked Fires PG&E Meteorologists Continue to Monitor Dynamic Weather Conditions for Potential Second PSPS Event of the Week Beginning Early Thursday SAN FRANCISCO, Calif. — Pacific Gas and Electric Company (PG&E) has restored power to essentially all 25,000 customers in …
Read More »With Dry Offshore Winds Again in Forecast, PG&E Might Need to Proactively Turn Off Power for Safety to About 29,000 Customers Starting Early Thursday
PG&E Sending Two-Day Notices to Alert Customers in Small, Targeted Portions of 19 Counties Who Might Be Affected by Potential Public Safety Power Shutoff PG&E Meteorologists Continue to Monitor Dynamic Weather Conditions to Determine Scope of Potential Second Event this Week After Monday’s PSPS All Customers Affected by Monday PSPS Expected to be Restored by Late Tonight SAN FRANCISCO, Calif. …
Read More »Parent Leadership Program Puts Students First in Low Income Neighborhoods and Communities of Color Launch of new Sacramento PASS program brings together community resources, advocacy and support for local student success
WHAT: Sacramento Parents Advocating for Student Success (PASS) publicly launchesits two-year Leadership Training Institute to support the healthy social and emotionaldevelopment of local students and their families. The institute will support a cohort of 20parents to lead local school site engagement, build partnerships with other parents andadvocate for the needs of their students. Veteran parent advocates, serving as allies tothe …
Read More »PG&E Begins Issuing Weather ‘All Clear’ in Some Locations Following Monday, October 11th Public Safety Power Shutoff
Company Expects To Restore All Customers Affected by Oct. 11 PSPS Before Next PSPS Would Begin SAN FRANCISCO, Calif. — Pacific Gas and Electric Company (PG&E) crews are patrolling lines de-energized during Monday’s Public Safety Power Shutoff (PSPS), after company meteorologists began issuing the weather “all-clear” for portions of areas affected by safety shutoffs. Restorations have begun where possible. Scope …
Read More »Giải Đáp Thắc Mắc về Vắc-xin COVID-19 với Bác Sĩ Dali Fan, Đại Học UC Davis Health
Thống đốc Gavin Newsom đang chỉ đạo Bộ Y Tế Công Cộng California bổ sung vắc-xin COVID-19 vào các loại vắc-xin khác cần thiết cho việc đi học trực tiếp — chẳng hạn như bệnh sởi, quai bị, và rubella. Học sinh sẽ được yêu cầu tiêm chủng cho việc học trực tiếp, bắt đầu từ học kỳ sau khi …
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