Tips on Tapping into Your Retirement Funds

Is tapping into your retirement savings a best option to get you through a financial disaster? The shower reply is … no. although is your money, the tax results and impact to your long-term savings are extremely serious. If you your need is so pressing that no other choice will suffice, proceed with caution and know the rules.

The loan

A loan from your 401 permits you to borrow against your savings. The loan must be repaid with interest generally within 5 years. But, if you lose your job or leave the firm and still have outstanding loan, you are needed to pay it back within 1 or 2 months. Failure to repay the loan accordingly is considered a default and the outstanding credit amount is completely taxable. Other limitations may apply so be sure to discuss with your 401 administrator before making this choice.

The hardship withdrawal

This choice provides you with access to your saving under certain financial situations, i.e. circumstances that present a quick and severe need. Examples of hardships contain medical care, the purchase of a principal residence, tuition payments, and stop foreclosure or eviction, and funeral expenses. The 2 largest drawbacks? You are permanently decreasing your retirement savings and the withdrawal is treated as taxable profit. Also, if you take the withdrawal prior to your age 60 ½, there is a ten percent penalty included to the withdraw amount.

Withdraw money in a lump sum

As described above, withdrawals are not advised because they are completely taxable, and if you are under age 60 1/2, there is a further ten percent penalty applied to the withdrawal amount.

Rollover the money into an IRA or new fresh employers plan

Moving your money permits you to maintain control over your investment choices. And, if you have replaced jobs before, it permits you to consolidate multiple accounts. You can reject paying taxes and penalties if you move the assets directly to the new custodian as a trustee to trustee move. If you own firm stock in your plan, you may want to review a further option before you start the rollover of that stock. Destructions of company stock from competent plan are eligible for favorable tax treatment. A calculation of potential NUA will support you determine what is best for your condition.

What You Should Know about the Designs of Contemporary Oriental Rugs?

Contemporary Oriental rugs aren’t only produced in many areas and countries across the globe, they frequently exhibit elements that are representative of where they originate from. Understanding what such various motifs and symbols mean, aside from how pretty they appear on the rugs themselves, must be a component of the education of each Oriental rug lover.

Historical Monuments and Islamic Buildings

Rug makers throughout the history have gained inspiration from the shapes, structure, and architecture of the buildings close to their home or heart. Even the tiles in palaces, mosques, and some sites have played a part in the formation of beautiful Oriental rugs in the past few years. The interpretations of the weavers of such structures or buildings often take on a life of their own, which shows the mark of a real artist in how they’re represented on the completed piece.

Shah Abbasi

Shah Abbasi is considered as one of the prettiest motifs in Oriental rugs. It is also the name used for describing a grouping of the palmettes usually found along the carpet’s borders or in an overall design. Tabriz rugs are renowned to have this motif as part of their structure, which represents a good deal of talent and time on the weaver’s part.


Typically, Rosette will be part of the medallion, which radiates out from the rug’s center in a circular array that implies rose petals’ opening. Rosette design is sometimes displayed in the borders of the carpet, yet it’s far more famous for it to be located in the center of the rug, which builds outward in either naturalistic or geometric structure.


In Persian rugs, Herati motifs are basically common, which consists of central flower that’s surrounded by the curved leaves in diamond shape around the flower. Herati may also be represented on the carpet in various ways, either in curvilinear or geometric designs.


Distinctive pattern that’s present in some Oriental rug designs, Mina-Khani consists of daisies being used repetitively as well as interlaced by circular or curved lines that appear in diamond-shaped. Oftentimes, the design is part of the overall pattern and will cover the whole area within the borders of the rug.

Oriental Rugs and Their Endless Artistry

Even if many symbols and motifs in Oriental rugs remain, those are some of the common found in the carpets across the globe. Now that you know about the designs of Oriental rugs and you are interested to get one, look for wholesale Oriental rugs va in the market to enjoy savings.

Weight Loss Programs for Men – Minimize the Hassle with These Tips

When looking for weight loss programs for men, the main problem lies in the hassle of it. It is never easy to drink shakes, spend long hours in the gym, take supplements, or run long distances just to get that rock solid body you have been dreaming of. Take note of these tips to make your journey easier and hassle-free.

Workout at Home

Working out doesn’t have to be done at the gym alone. In fact, you can also work out at the comforts of your home, and make use of free weights when you can, even something as simple as dumbbells for your weight training. You can also more body weight exercise into the training program for an added diversity. The only challenge here is the initial setup as to where you will exactly train and what types of exercises you will perform. Good thing there are not online fitness websites with lots of exercise options. What makes it less hassle is that you can work out every time you feel like doing so, and you can also save money in terms gym fees, and travelling to and fro the gym.

Say Yes to Snacks

You can set a reminder to grab some snacks every day. You can eat a bar of something as long as it is not a chocolate bar. You can also eat nuts and fruits, or whatever is healthier. At first, you can have a nut bar or oat bar. Eating a snack or an extra meal is a great way to save yourself from pangs of hunger during the day so you won’t eat a lot when dinnertime comes.

Water is the Answer

Fill up a 2-liter bottle of water that you drink throughout the day. Once you finished it all. Fill it up once again then drink more. For the longest time, there have been debates about the effects of drinking water and how it can stop your hunger pangs. What makes it ideal is that this will stop you from drinking sugary or frizzy drinks. This will also stop you from drinking juices which usually contain lots of concentrated sugar although this is natural.

Don’t Give Up on Wine and Beer

It might sound a bit unusual but the effective weight loss programs state that you don’t necessarily have to give up on your alcohol just so you can lose that stubborn fat in your belly. You just need to reduce your drink a little. If you have been drinking 20 beers per week, you can opt for 10 this time.

How to fight heartburn in a systematic manner ?

Heart burn is a common physical condition which causes much discomfort. Excessive acids and food that is undigested are regurgitated into the food pipe and some of them trickle into the lungs through the throat. This causes tremendous burning sensation in the lungs known as heartburn. In some cases the reflux reaches food pipe only and a burning sensation is experienced there. This is partial heart burn.

The best thing to do is to make sure that you eat slowly after properly chewing it.  If the food is not chewed properly, the stomach would have to do the additional work of breaking up the food particles so that they are easy to digest. When you eat fast you swallow air bubbles causing them to burp. So eat your food slowly sitting in a relaxed position and chewing them well. It will be better if you can take a small walk after your evening meal.

One can prevent heart burn by avoiding chemical irritants like spicy food, citrus fruit, wine, champagne etc. Tea coffee, cigarettes etc. Dry toasts and fried foods have to be avoided as they cause abrasions to the lining of the stomach. Very hot drinks also have to be avoided as they can cause some sort of physical abrasions. Cold milk can be used as an immediate suppressant.  It works as an excellent medium for the combining the acid with protein molecules. You can also use sodium bicarbonate or tonic water as the quinine in it has the same effect as of drinking cold milk. You can also try gases tablets or Lamberts peppermint capsules. Rubbing the stomach to tone the stomach muscles is also beneficial.

Autumn season’s specialties

The frequent temperature changes in autumn will cause problems for your body’s system of air conditioning as it has to cool the body one day and will have to heat it the very next day. Work load after a long summer holiday will naturally be heavy.  This stress and activity decrease our energy level and affect the immune system. The climate on the other hand is more suitable for the proliferation of insects and germs. So there is every tendency to get flu. So as a precaution boost your immune system by avoiding yeast products, chilled drinks, tea, coffee, cakes etc for two months. During this period it will be better if you can massage your neck and shoulders for ten minutes at least twice a week.