Impress friends, family or your most important business clients with this beautiful gift basket filled with premium coffees, sweets and great java go togethers - enough for all to share! Your large gift basket features a selection of premium coffees (Caramel Creme, Columbian, Hazelnut and Morning Blend), Almond Hazelnut Biscotti, Bali’s Best Espresso Candy, Dolcetto Chocolate Filled Pastry Rolls, Cafe Classico Cappucino Mix, Chocolate Covered Espresso Beans, Cafe Classic Sugar Cookies, Classic Assorted Butter Cookies, Coffee Time Cookies, Cappuccino Cookies and Rock Candy Swizzle Sticks for sweetening each cup of java. Each gift is carefully hand packed with attention to every detail, tied with beautiful ribbons and bow and includes a personalized gift message from you for your best wishes. We offer standard ground shipping (4-6 business days in transit) or expedited shipping (2-3 business days in transit) gift delivery services.

Misc.:  Impress friends, family or your most important business clients with this beautiful gift basket filled with premium coffees, sweets and great java go togethers - enough for all to share!, Beautifully presented, this gift is perfect for any gift giving occasion from thank yous, birthdays, holidays, or just because they deserve a gift of premium coffee treats., Featuring premium coffees (Caramel Creme, Columbian, Hazelnut and Morning Blend), Almond Biscotti, Espresso Candy, Dolcetto Chocolate Pastry, Classico Cappuccino Mix, Chocolate Covered Espresso Beans and MUCH MORE!, Each basket is carefully hand assembled with attention to detail, tied with ribbon and includes a personalized gift message to convey your best wishes., Please see product description and ingredients for details on this clever coffee gift arrangment.
Company: ArtofAppreciation.com 
List Price: 
Amazon Price: $59.99

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Tip! Join a Cause ? Retirement does not mean that you are worthless. To derive a feeling of self worth and fulfillment, commit yourself to a worthy cause that you truly believe in.

You’ve probably heard about the Nebraska meatpackers who won the largest lottery jackpot in the United States last week. One winner replied “I’ve been retired for about four days now” when asked what he would do with his winnings. His response did not surprise me; I’m sure my reaction would be similar!

What does surprise me is that many Americans believe that they cannot retire comfortably unless they win the lottery. A survey by the Consumer Federation of America shows that 27% of Americans believe that their best chance to gain $500,000 in their lifetime is to win a sweepstakes or lottery.

Fortunately, building a comfortable retirement nest egg is easier than you think. Here are five steps to help you build a comfortable retirement:

1. Start early! If you started saving $100 a month beginning at age 18, you would have over $500,000 by age 65. The power of compounding is great, and the earlier you start saving, the greater the benefit. The easiest way to get started is to enroll in your company sponsored retirement plan. If your company doesn’t offer a retirement plan, signup for automatic withdrawals to a Roth IRA or mutual fund.

Tip! Maintaining youthful attitude - Retirement from a job does not mean that you give up everything and retire to ?watering plants’. Just because you are s0 does not mean you have to act your age! It is the attitude that counts.

2. Have a plan. The best way to ensure that you will have a comfortable retirement is to plan how much you will need to retire. Sit down with your family and decide what you’ll do when you retire, where you’ll live and what your spending needs will be. You can’t reach your destination if you don’t know where you’re going.

3. Participate in company sponsored retirement plans. Many companies offer matching contributions to your 401K or other retirement plan contributions. This is free money - take it!

4. Invest in a diversified portfolio of stocks and bonds, that fits your goals and risk tolerance. Studies show that your investment return is determined primarily by the allocation of your assets, not the individual investment selections you make.

Tip! Remain active ? Do not think of retirement as only a period of rest and relaxation. Times have changed, and so has the concept of retirement.

5. Keep your costs down. Invest in no-load, low cost mutual funds (or other investments). Lowering the expenses in your portfolio by just 1% can equate to 20% more money in your portfolio after 20 years.

Although winning a large lottery certainly can’t hurt, following the steps above should send you well on your way to a comfortable retirement.

Need more help? Contact a fee-only financial planner to help you project your retirement needs and make a plan to retire in comfort.

Kristine A. McKinley, CFP, CPA, and founder of Beacon Financial Advisors, teaches individuals and families how to invest and plan for retirement, college, and other financial goals. Kristine offers financial and tax planning on an hourly, fee-only basis.
To receive free financial planning tips, worksheets, checklists and more, visit http://www.beacon-advisor.com

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Do you dread each Monday because another boring, same week lies ahead of you? Do you feel like each work day reminds you of the film 0Groundhog Day0 ? Do you wish to work more flexibly ? If your answer to these questions is yes, a portfolio career could be the answer for you.
Portfolio career is suitable for people who do not want to work in a full-time job and who want to have a variety in their work life. Rather than working for one company or doing the same work every day, you use your gifts and skills on a variety of activities and projects. An example of a person with a portfolio career is an interpreter who works two days a week with one employer, teaches language part-time at a local college, and works as a freelance interpreter on the side. They can also pursue their hobbies and interests, for example they can design and sell jewelry at local craft fairs.
Portfolio careers bring more flexibility, variety, and freedom to your work life.
If the idea of portfolio work appeals to you, start with asking yourself the following questions :
1. What’s important to you in your career now ? If […]

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