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truly-passive · 15 hours

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Mastering Financial Planning for Retirement: A Comprehensive Guide

Welcome to Truly Passive, where we dive deep into the realm of financial independence and retirement planning. In today's fast-paced world, securing a comfortable retirement requires careful consideration, strategic decision-making, and disciplined financial planning for retirement.

One of the most crucial aspects of this journey is mastering financial planning for retirement. In this comprehensive guide, we'll explore the key strategies, considerations, and best practices to help you pave the way for secure and fulfilling financial planning for retirement.

Understanding the Importance of Financial Planning for Retirement:

Financial planning for retirement is not just about setting aside a portion of your income; it's a holistic approach to ensuring financial security and peace of mind during your golden years.

With increasing life expectancies and the uncertainty of government pension programs, individuals are increasingly responsible for funding their retirement lifestyles. Effective financial planning for retirement empowers individuals to:

1. Define Retirement Goals: Begin by envisioning your ideal retirement lifestyle. Do you dream of traveling the world, pursuing hobbies, or spending quality time with loved ones? Clearly defining your retirement goals will serve as a roadmap for your financial plan.

2. Assess Current Financial Situation: Take stock of your current financial standing, including assets, liabilities, income, and expenses. Understanding where you stand financially will help you make informed decisions about saving, investing, and spending.

3. Estimate Retirement Expenses: Project your future expenses in retirement, considering factors such as housing, healthcare, travel, leisure activities, and inflation. It's essential to account for both essential and discretionary expenses to ensure a comfortable standard of living.

4. Calculate Retirement Income: Determine your potential sources of retirement income, such as Social Security benefits, employer pensions, retirement accounts (e.g., 401(k), IRA), investments, and rental income. Knowing how much income you can expect will guide your saving and investment strategies.

5. Bridge the Retirement Gap: Analyze the gap between your estimated expenses and retirement income. This shortfall represents the amount you'll need to save and invest to achieve your retirement goals. Closing this gap requires careful planning and disciplined saving habits.

6. Understand Longevity Risk: Longevity risk refers to the possibility of outliving your retirement savings. With advances in healthcare and lifestyle improvements, many retirees are living longer than ever before. To mitigate longevity risk, consider factors such as your family's health history, projected lifespan, and potential healthcare costs in retirement.

7. Factor in Inflation: Inflation erodes the purchasing power of money over time, meaning that the same amount of money will buy fewer goods and services in the future. When estimating retirement expenses, it's crucial to factor in inflation to maintain your desired standard of living.

8. Plan for Healthcare Costs: Healthcare expenses can be a significant financial burden in retirement, especially as you age, and may require more medical care. Medicare typically covers some healthcare costs for retirees, but it may not cover everything.

9. Account for Taxes: Understand the tax implications of your retirement income sources and withdrawal strategies. Different types of retirement accounts are subject to different tax treatments, and your tax situation in retirement may differ from when you were working.

10. Plan for Contingencies: Life is unpredictable, and unexpected events such as market downturns, job loss, or major expenses can derail even the most well-laid financial plans. Build flexibility into your retirement plan by establishing contingency funds or emergency savings to cover unexpected expenses or income disruptions.

Strategies for Successful Financial Planning for Retirement:

Now that we've established the importance of financial planning for retirement let's explore some key strategies to help you build a robust financial plan:

1. Start Early: Time is your most valuable asset when it comes to retirement planning. The earlier you start saving and investing, the more time your money has to grow through compounding returns. Even small contributions made early in your career can have a significant impact over time.

2. Set Realistic Savings Targets: Determine how much you need to save each month to reach your retirement goals. Aim to save at least 10-15% of your income, including employer contributions to retirement accounts. Automate your savings to ensure consistency and discipline.

3. Diversify Your Investments: Spread your investments across a mix of asset classes, such as stocks, bonds, real estate, and alternative investments. Diversification helps reduce risk and enhances the potential for long-term returns. Consider your risk tolerance, time horizon, and financial goals when constructing your investment portfolio.

4. Maximize Tax-Advantaged Accounts: Take advantage of tax-advantaged retirement accounts such as 401(k)s, IRAs, and Roth IRAs. These accounts offer tax benefits that can accelerate your savings growth. Contribute the maximum allowable amount each year and consider catch-up contributions if you're over 50.

5. Manage Risk: Protect your retirement savings against unforeseen events such as market downturns, health emergencies, or job loss. Maintain an emergency fund with 3-6 months' worth of living expenses and consider purchasing insurance policies, such as health insurance, disability insurance, and long-term care insurance.

6. Continuously Monitor and Adjust: Review your financial plan regularly to ensure it remains aligned with your goals, lifestyle changes, and market conditions. Rebalance your investment portfolio as needed and make adjustments to your savings and spending habits to stay on track.

7. Consider Delaying Retirement: While early retirement may be appealing, delaying retirement by a few years can have significant financial benefits. Not only does it allow you to continue earning and saving, but it also allows your retirement savings more time to grow.

8. Plan for Multiple Income Streams: Relying solely on retirement savings and Social Security may not provide sufficient income to support your desired lifestyle in retirement. Explore opportunities to generate additional income streams, such as part-time work, consulting, rental properties, or passive income from investments.

9. Create a Withdrawal Strategy: Deciding how and when to withdraw funds from your retirement accounts can significantly impact your financial outlook in retirement. Develop a withdrawal strategy that balances your income needs with tax efficiency and longevity of your savings.

10. Plan for Legacy and Estate Planning: Beyond funding your retirement lifestyle, consider your legacy and estate planning goals. Determine how you want your assets to be distributed upon your death take steps to minimize estate taxes and ensure your wishes are carried out.

The Final Wrap Up

Financial planning for retirement is a lifelong journey that requires diligence, discipline, and foresight. By taking proactive steps to define your goals, assess your finances, and implement sound strategies, you can build a secure foundation for the retirement of your dreams.

Remember, the key to success lies in starting early, staying informed, and remaining adaptable to change. With careful planning and prudent decision-making, you can enjoy a fulfilling retirement free from financial worries. Start your journey to financial independence today and let Truly Passive be your trusted guide along the way.

#truly passive forums #best retirement news

0 notes

yourtour · 4 months

Photo

GOLDOSK

A Journey from Two Friends’ Walks to a Thriving Nature Sports Club

A Healthy Initiative Blossoms

One beautiful Sunday morning in the spring of the 2010s, a friend and I in Isparta decided to embark on a healthy 2-kilometer walk towards the hills. Eager to make this a regular and enjoyable activity, we envisioned forming a group committed to a healthy lifestyle intertwined with nature. Little did we know that this simple idea would evolve into something much larger.

From Two to Over 95 Members

Our initial walks paved the way for the creation of the Turkish Lakeland Nature Sports and Hobby Club, lovingly known as GOLDOSK. With a mission to encourage citizens to embrace nature, slow down, and escape stress, GOLDOSK has grown to over 95 members. Liked by thousands on social media, the club has become a symbol of active living in Isparta.

Exploring Local Beauties

Despite living in Isparta for over 30 years, I had never truly appreciated the natural beauty of the region. What were once green and brown areas on the city map became the picturesque locations we explored over the past year and a half. Every Sunday, our group traded sleep for dirt roads, thyme-scented pine forests, and the vibrant colors of spring flowers Guided Tours Turkey.

Adventures for All Ages

What began as treks for two blossomed into adventures for tens. Our diverse group includes officers, businessmen, writers, professors, workers, and retirees, spanning ages from 10 to 70. Generational differences melted away as friendships flourished, and every Sunday, we converged at the GOLDOSK building within Isparta Teraspark facilities.

GOLDOSK’s Recognition and Achievements

GOLDOSK’s commitment to promoting a healthy lifestyle through nature sports has not gone unnoticed. The club boasts over 100 completed activities, gaining recognition from the International Federation of Popular Sports (IVV). As the most active and enjoyable organization in the Lakeland, GOLDOSK received an official invitation to the 12th Nature and Popular Sports Games hosted by IVV in Antalya.

Crocuses Smiling Under the Rain

GOLDOSK’s journey is marked by the smiles of crocuses under the rain, symbolizing the joy, growth, and flourishing camaraderie within the club. As we continue our adventures, our aim is to expand the culture of embracing nature and organizing diverse activities, turning GOLDOSK into a beacon for Lakeland’s nature enthusiast

#GOLDOSK

0 notes

mihovatravels · 4 months

Photo

GOLDOSK

A Journey from Two Friends’ Walks to a Thriving Nature Sports Club

A Healthy Initiative Blossoms

One beautiful Sunday morning in the spring of the 2010s, a friend and I in Isparta decided to embark on a healthy 2-kilometer walk towards the hills. Eager to make this a regular and enjoyable activity, we envisioned forming a group committed to a healthy lifestyle intertwined with nature. Little did we know that this simple idea would evolve into something much larger.

From Two to Over 95 Members

Our initial walks paved the way for the creation of the Turkish Lakeland Nature Sports and Hobby Club, lovingly known as GOLDOSK. With a mission to encourage citizens to embrace nature, slow down, and escape stress, GOLDOSK has grown to over 95 members. Liked by thousands on social media, the club has become a symbol of active living in Isparta.

Exploring Local Beauties

Despite living in Isparta for over 30 years, I had never truly appreciated the natural beauty of the region. What were once green and brown areas on the city map became the picturesque locations we explored over the past year and a half. Every Sunday, our group traded sleep for dirt roads, thyme-scented pine forests, and the vibrant colors of spring flowers Guided Tours Turkey.

Adventures for All Ages

What began as treks for two blossomed into adventures for tens. Our diverse group includes officers, businessmen, writers, professors, workers, and retirees, spanning ages from 10 to 70. Generational differences melted away as friendships flourished, and every Sunday, we converged at the GOLDOSK building within Isparta Teraspark facilities.

GOLDOSK’s Recognition and Achievements

GOLDOSK’s commitment to promoting a healthy lifestyle through nature sports has not gone unnoticed. The club boasts over 100 completed activities, gaining recognition from the International Federation of Popular Sports (IVV). As the most active and enjoyable organization in the Lakeland, GOLDOSK received an official invitation to the 12th Nature and Popular Sports Games hosted by IVV in Antalya.

Crocuses Smiling Under the Rain

GOLDOSK’s journey is marked by the smiles of crocuses under the rain, symbolizing the joy, growth, and flourishing camaraderie within the club. As we continue our adventures, our aim is to expand the culture of embracing nature and organizing diverse activities, turning GOLDOSK into a beacon for Lakeland’s nature enthusiast

#GOLDOSK

0 notes

tasteoftravel · 4 months

Photo

GOLDOSK

A Journey from Two Friends’ Walks to a Thriving Nature Sports Club

A Healthy Initiative Blossoms

One beautiful Sunday morning in the spring of the 2010s, a friend and I in Isparta decided to embark on a healthy 2-kilometer walk towards the hills. Eager to make this a regular and enjoyable activity, we envisioned forming a group committed to a healthy lifestyle intertwined with nature. Little did we know that this simple idea would evolve into something much larger.

From Two to Over 95 Members

Our initial walks paved the way for the creation of the Turkish Lakeland Nature Sports and Hobby Club, lovingly known as GOLDOSK. With a mission to encourage citizens to embrace nature, slow down, and escape stress, GOLDOSK has grown to over 95 members. Liked by thousands on social media, the club has become a symbol of active living in Isparta.

Exploring Local Beauties

Despite living in Isparta for over 30 years, I had never truly appreciated the natural beauty of the region. What were once green and brown areas on the city map became the picturesque locations we explored over the past year and a half. Every Sunday, our group traded sleep for dirt roads, thyme-scented pine forests, and the vibrant colors of spring flowers Guided Tours Turkey.

Adventures for All Ages

What began as treks for two blossomed into adventures for tens. Our diverse group includes officers, businessmen, writers, professors, workers, and retirees, spanning ages from 10 to 70. Generational differences melted away as friendships flourished, and every Sunday, we converged at the GOLDOSK building within Isparta Teraspark facilities.

GOLDOSK’s Recognition and Achievements

GOLDOSK’s commitment to promoting a healthy lifestyle through nature sports has not gone unnoticed. The club boasts over 100 completed activities, gaining recognition from the International Federation of Popular Sports (IVV). As the most active and enjoyable organization in the Lakeland, GOLDOSK received an official invitation to the 12th Nature and Popular Sports Games hosted by IVV in Antalya.

Crocuses Smiling Under the Rain

GOLDOSK’s journey is marked by the smiles of crocuses under the rain, symbolizing the joy, growth, and flourishing camaraderie within the club. As we continue our adventures, our aim is to expand the culture of embracing nature and organizing diverse activities, turning GOLDOSK into a beacon for Lakeland’s nature enthusiast

#GOLDOSK

0 notes

metrotravels · 4 months

Photo

GOLDOSK

A Journey from Two Friends’ Walks to a Thriving Nature Sports Club

A Healthy Initiative Blossoms

One beautiful Sunday morning in the spring of the 2010s, a friend and I in Isparta decided to embark on a healthy 2-kilometer walk towards the hills. Eager to make this a regular and enjoyable activity, we envisioned forming a group committed to a healthy lifestyle intertwined with nature. Little did we know that this simple idea would evolve into something much larger.

From Two to Over 95 Members

Our initial walks paved the way for the creation of the Turkish Lakeland Nature Sports and Hobby Club, lovingly known as GOLDOSK. With a mission to encourage citizens to embrace nature, slow down, and escape stress, GOLDOSK has grown to over 95 members. Liked by thousands on social media, the club has become a symbol of active living in Isparta.

Exploring Local Beauties

Despite living in Isparta for over 30 years, I had never truly appreciated the natural beauty of the region. What were once green and brown areas on the city map became the picturesque locations we explored over the past year and a half. Every Sunday, our group traded sleep for dirt roads, thyme-scented pine forests, and the vibrant colors of spring flowers Guided Tours Turkey.

Adventures for All Ages

What began as treks for two blossomed into adventures for tens. Our diverse group includes officers, businessmen, writers, professors, workers, and retirees, spanning ages from 10 to 70. Generational differences melted away as friendships flourished, and every Sunday, we converged at the GOLDOSK building within Isparta Teraspark facilities.

GOLDOSK’s Recognition and Achievements

GOLDOSK’s commitment to promoting a healthy lifestyle through nature sports has not gone unnoticed. The club boasts over 100 completed activities, gaining recognition from the International Federation of Popular Sports (IVV). As the most active and enjoyable organization in the Lakeland, GOLDOSK received an official invitation to the 12th Nature and Popular Sports Games hosted by IVV in Antalya.

Crocuses Smiling Under the Rain

GOLDOSK’s journey is marked by the smiles of crocuses under the rain, symbolizing the joy, growth, and flourishing camaraderie within the club. As we continue our adventures, our aim is to expand the culture of embracing nature and organizing diverse activities, turning GOLDOSK into a beacon for Lakeland’s nature enthusiast

#GOLDOSK

0 notes

travellingbg · 4 months

Photo

GOLDOSK

A Journey from Two Friends’ Walks to a Thriving Nature Sports Club

A Healthy Initiative Blossoms

One beautiful Sunday morning in the spring of the 2010s, a friend and I in Isparta decided to embark on a healthy 2-kilometer walk towards the hills. Eager to make this a regular and enjoyable activity, we envisioned forming a group committed to a healthy lifestyle intertwined with nature. Little did we know that this simple idea would evolve into something much larger.

From Two to Over 95 Members

Our initial walks paved the way for the creation of the Turkish Lakeland Nature Sports and Hobby Club, lovingly known as GOLDOSK. With a mission to encourage citizens to embrace nature, slow down, and escape stress, GOLDOSK has grown to over 95 members. Liked by thousands on social media, the club has become a symbol of active living in Isparta.

Exploring Local Beauties

Despite living in Isparta for over 30 years, I had never truly appreciated the natural beauty of the region. What were once green and brown areas on the city map became the picturesque locations we explored over the past year and a half. Every Sunday, our group traded sleep for dirt roads, thyme-scented pine forests, and the vibrant colors of spring flowers Guided Tours Turkey.

Adventures for All Ages

What began as treks for two blossomed into adventures for tens. Our diverse group includes officers, businessmen, writers, professors, workers, and retirees, spanning ages from 10 to 70. Generational differences melted away as friendships flourished, and every Sunday, we converged at the GOLDOSK building within Isparta Teraspark facilities.

GOLDOSK’s Recognition and Achievements

GOLDOSK’s commitment to promoting a healthy lifestyle through nature sports has not gone unnoticed. The club boasts over 100 completed activities, gaining recognition from the International Federation of Popular Sports (IVV). As the most active and enjoyable organization in the Lakeland, GOLDOSK received an official invitation to the 12th Nature and Popular Sports Games hosted by IVV in Antalya.

Crocuses Smiling Under the Rain

GOLDOSK’s journey is marked by the smiles of crocuses under the rain, symbolizing the joy, growth, and flourishing camaraderie within the club. As we continue our adventures, our aim is to expand the culture of embracing nature and organizing diverse activities, turning GOLDOSK into a beacon for Lakeland’s nature enthusiast

#GOLDOSK

0 notes

asktravels · 4 months

Photo

GOLDOSK

A Journey from Two Friends’ Walks to a Thriving Nature Sports Club

A Healthy Initiative Blossoms

One beautiful Sunday morning in the spring of the 2010s, a friend and I in Isparta decided to embark on a healthy 2-kilometer walk towards the hills. Eager to make this a regular and enjoyable activity, we envisioned forming a group committed to a healthy lifestyle intertwined with nature. Little did we know that this simple idea would evolve into something much larger.

From Two to Over 95 Members

Our initial walks paved the way for the creation of the Turkish Lakeland Nature Sports and Hobby Club, lovingly known as GOLDOSK. With a mission to encourage citizens to embrace nature, slow down, and escape stress, GOLDOSK has grown to over 95 members. Liked by thousands on social media, the club has become a symbol of active living in Isparta.

Exploring Local Beauties

Despite living in Isparta for over 30 years, I had never truly appreciated the natural beauty of the region. What were once green and brown areas on the city map became the picturesque locations we explored over the past year and a half. Every Sunday, our group traded sleep for dirt roads, thyme-scented pine forests, and the vibrant colors of spring flowers Guided Tours Turkey.

Adventures for All Ages

What began as treks for two blossomed into adventures for tens. Our diverse group includes officers, businessmen, writers, professors, workers, and retirees, spanning ages from 10 to 70. Generational differences melted away as friendships flourished, and every Sunday, we converged at the GOLDOSK building within Isparta Teraspark facilities.

GOLDOSK’s Recognition and Achievements

GOLDOSK’s commitment to promoting a healthy lifestyle through nature sports has not gone unnoticed. The club boasts over 100 completed activities, gaining recognition from the International Federation of Popular Sports (IVV). As the most active and enjoyable organization in the Lakeland, GOLDOSK received an official invitation to the 12th Nature and Popular Sports Games hosted by IVV in Antalya.

Crocuses Smiling Under the Rain

GOLDOSK’s journey is marked by the smiles of crocuses under the rain, symbolizing the joy, growth, and flourishing camaraderie within the club. As we continue our adventures, our aim is to expand the culture of embracing nature and organizing diverse activities, turning GOLDOSK into a beacon for Lakeland’s nature enthusiast

#GOLDOSK

0 notes

travelsn · 4 months

Photo

GOLDOSK

A Journey from Two Friends’ Walks to a Thriving Nature Sports Club

A Healthy Initiative Blossoms

One beautiful Sunday morning in the spring of the 2010s, a friend and I in Isparta decided to embark on a healthy 2-kilometer walk towards the hills. Eager to make this a regular and enjoyable activity, we envisioned forming a group committed to a healthy lifestyle intertwined with nature. Little did we know that this simple idea would evolve into something much larger.

From Two to Over 95 Members

Our initial walks paved the way for the creation of the Turkish Lakeland Nature Sports and Hobby Club, lovingly known as GOLDOSK. With a mission to encourage citizens to embrace nature, slow down, and escape stress, GOLDOSK has grown to over 95 members. Liked by thousands on social media, the club has become a symbol of active living in Isparta.

Exploring Local Beauties

Despite living in Isparta for over 30 years, I had never truly appreciated the natural beauty of the region. What were once green and brown areas on the city map became the picturesque locations we explored over the past year and a half. Every Sunday, our group traded sleep for dirt roads, thyme-scented pine forests, and the vibrant colors of spring flowers Guided Tours Turkey.

Adventures for All Ages

What began as treks for two blossomed into adventures for tens. Our diverse group includes officers, businessmen, writers, professors, workers, and retirees, spanning ages from 10 to 70. Generational differences melted away as friendships flourished, and every Sunday, we converged at the GOLDOSK building within Isparta Teraspark facilities.

GOLDOSK’s Recognition and Achievements

GOLDOSK’s commitment to promoting a healthy lifestyle through nature sports has not gone unnoticed. The club boasts over 100 completed activities, gaining recognition from the International Federation of Popular Sports (IVV). As the most active and enjoyable organization in the Lakeland, GOLDOSK received an official invitation to the 12th Nature and Popular Sports Games hosted by IVV in Antalya.

Crocuses Smiling Under the Rain

GOLDOSK’s journey is marked by the smiles of crocuses under the rain, symbolizing the joy, growth, and flourishing camaraderie within the club. As we continue our adventures, our aim is to expand the culture of embracing nature and organizing diverse activities, turning GOLDOSK into a beacon for Lakeland’s nature enthusiast

#GOLDOSK

0 notes

adventurebulgaria · 4 months

Text

New Post has been published on Vasilka

GOLDOSK

A Journey from Two Friends’ Walks to a Thriving Nature Sports Club

A Healthy Initiative Blossoms

One beautiful Sunday morning in the spring of the 2010s, a friend and I in Isparta decided to embark on a healthy 2-kilometer walk towards the hills. Eager to make this a regular and enjoyable activity, we envisioned forming a group committed to a healthy lifestyle intertwined with nature. Little did we know that this simple idea would evolve into something much larger.

From Two to Over 95 Members

Our initial walks paved the way for the creation of the Turkish Lakeland Nature Sports and Hobby Club, lovingly known as GOLDOSK. With a mission to encourage citizens to embrace nature, slow down, and escape stress, GOLDOSK has grown to over 95 members. Liked by thousands on social media, the club has become a symbol of active living in Isparta.

Exploring Local Beauties

Despite living in Isparta for over 30 years, I had never truly appreciated the natural beauty of the region. What were once green and brown areas on the city map became the picturesque locations we explored over the past year and a half. Every Sunday, our group traded sleep for dirt roads, thyme-scented pine forests, and the vibrant colors of spring flowers Guided Tours Turkey.

Adventures for All Ages

What began as treks for two blossomed into adventures for tens. Our diverse group includes officers, businessmen, writers, professors, workers, and retirees, spanning ages from 10 to 70. Generational differences melted away as friendships flourished, and every Sunday, we converged at the GOLDOSK building within Isparta Teraspark facilities.

GOLDOSK’s Recognition and Achievements

GOLDOSK’s commitment to promoting a healthy lifestyle through nature sports has not gone unnoticed. The club boasts over 100 completed activities, gaining recognition from the International Federation of Popular Sports (IVV). As the most active and enjoyable organization in the Lakeland, GOLDOSK received an official invitation to the 12th Nature and Popular Sports Games hosted by IVV in Antalya.

Crocuses Smiling Under the Rain

GOLDOSK’s journey is marked by the smiles of crocuses under the rain, symbolizing the joy, growth, and flourishing camaraderie within the club. As we continue our adventures, our aim is to expand the culture of embracing nature and organizing diverse activities, turning GOLDOSK into a beacon for Lakeland’s nature enthusiast

#GOLDOSK

0 notes

hotelsistanbul · 4 months

Photo

GOLDOSK

A Journey from Two Friends’ Walks to a Thriving Nature Sports Club

A Healthy Initiative Blossoms

One beautiful Sunday morning in the spring of the 2010s, a friend and I in Isparta decided to embark on a healthy 2-kilometer walk towards the hills. Eager to make this a regular and enjoyable activity, we envisioned forming a group committed to a healthy lifestyle intertwined with nature. Little did we know that this simple idea would evolve into something much larger.

From Two to Over 95 Members

Our initial walks paved the way for the creation of the Turkish Lakeland Nature Sports and Hobby Club, lovingly known as GOLDOSK. With a mission to encourage citizens to embrace nature, slow down, and escape stress, GOLDOSK has grown to over 95 members. Liked by thousands on social media, the club has become a symbol of active living in Isparta.

Exploring Local Beauties

Despite living in Isparta for over 30 years, I had never truly appreciated the natural beauty of the region. What were once green and brown areas on the city map became the picturesque locations we explored over the past year and a half. Every Sunday, our group traded sleep for dirt roads, thyme-scented pine forests, and the vibrant colors of spring flowers Guided Tours Turkey.

Adventures for All Ages

What began as treks for two blossomed into adventures for tens. Our diverse group includes officers, businessmen, writers, professors, workers, and retirees, spanning ages from 10 to 70. Generational differences melted away as friendships flourished, and every Sunday, we converged at the GOLDOSK building within Isparta Teraspark facilities.

GOLDOSK’s Recognition and Achievements

GOLDOSK’s commitment to promoting a healthy lifestyle through nature sports has not gone unnoticed. The club boasts over 100 completed activities, gaining recognition from the International Federation of Popular Sports (IVV). As the most active and enjoyable organization in the Lakeland, GOLDOSK received an official invitation to the 12th Nature and Popular Sports Games hosted by IVV in Antalya.

Crocuses Smiling Under the Rain

GOLDOSK’s journey is marked by the smiles of crocuses under the rain, symbolizing the joy, growth, and flourishing camaraderie within the club. As we continue our adventures, our aim is to expand the culture of embracing nature and organizing diverse activities, turning GOLDOSK into a beacon for Lakeland’s nature enthusiast

#GOLDOSK

0 notes

bookingacruise · 4 months

Photo

GOLDOSK

A Journey from Two Friends’ Walks to a Thriving Nature Sports Club

A Healthy Initiative Blossoms

One beautiful Sunday morning in the spring of the 2010s, a friend and I in Isparta decided to embark on a healthy 2-kilometer walk towards the hills. Eager to make this a regular and enjoyable activity, we envisioned forming a group committed to a healthy lifestyle intertwined with nature. Little did we know that this simple idea would evolve into something much larger.

From Two to Over 95 Members

Our initial walks paved the way for the creation of the Turkish Lakeland Nature Sports and Hobby Club, lovingly known as GOLDOSK. With a mission to encourage citizens to embrace nature, slow down, and escape stress, GOLDOSK has grown to over 95 members. Liked by thousands on social media, the club has become a symbol of active living in Isparta.

Exploring Local Beauties

Despite living in Isparta for over 30 years, I had never truly appreciated the natural beauty of the region. What were once green and brown areas on the city map became the picturesque locations we explored over the past year and a half. Every Sunday, our group traded sleep for dirt roads, thyme-scented pine forests, and the vibrant colors of spring flowers Guided Tours Turkey.

Adventures for All Ages

What began as treks for two blossomed into adventures for tens. Our diverse group includes officers, businessmen, writers, professors, workers, and retirees, spanning ages from 10 to 70. Generational differences melted away as friendships flourished, and every Sunday, we converged at the GOLDOSK building within Isparta Teraspark facilities.

GOLDOSK’s Recognition and Achievements

GOLDOSK’s commitment to promoting a healthy lifestyle through nature sports has not gone unnoticed. The club boasts over 100 completed activities, gaining recognition from the International Federation of Popular Sports (IVV). As the most active and enjoyable organization in the Lakeland, GOLDOSK received an official invitation to the 12th Nature and Popular Sports Games hosted by IVV in Antalya.

Crocuses Smiling Under the Rain

GOLDOSK’s journey is marked by the smiles of crocuses under the rain, symbolizing the joy, growth, and flourishing camaraderie within the club. As we continue our adventures, our aim is to expand the culture of embracing nature and organizing diverse activities, turning GOLDOSK into a beacon for Lakeland’s nature enthusiast

#GOLDOSK

0 notes

travelandtrips · 4 months

Photo

GOLDOSK

A Journey from Two Friends’ Walks to a Thriving Nature Sports Club

A Healthy Initiative Blossoms

One beautiful Sunday morning in the spring of the 2010s, a friend and I in Isparta decided to embark on a healthy 2-kilometer walk towards the hills. Eager to make this a regular and enjoyable activity, we envisioned forming a group committed to a healthy lifestyle intertwined with nature. Little did we know that this simple idea would evolve into something much larger.

From Two to Over 95 Members

Our initial walks paved the way for the creation of the Turkish Lakeland Nature Sports and Hobby Club, lovingly known as GOLDOSK. With a mission to encourage citizens to embrace nature, slow down, and escape stress, GOLDOSK has grown to over 95 members. Liked by thousands on social media, the club has become a symbol of active living in Isparta.

Exploring Local Beauties

Despite living in Isparta for over 30 years, I had never truly appreciated the natural beauty of the region. What were once green and brown areas on the city map became the picturesque locations we explored over the past year and a half. Every Sunday, our group traded sleep for dirt roads, thyme-scented pine forests, and the vibrant colors of spring flowers Guided Tours Turkey.

Adventures for All Ages

What began as treks for two blossomed into adventures for tens. Our diverse group includes officers, businessmen, writers, professors, workers, and retirees, spanning ages from 10 to 70. Generational differences melted away as friendships flourished, and every Sunday, we converged at the GOLDOSK building within Isparta Teraspark facilities.

GOLDOSK’s Recognition and Achievements

GOLDOSK’s commitment to promoting a healthy lifestyle through nature sports has not gone unnoticed. The club boasts over 100 completed activities, gaining recognition from the International Federation of Popular Sports (IVV). As the most active and enjoyable organization in the Lakeland, GOLDOSK received an official invitation to the 12th Nature and Popular Sports Games hosted by IVV in Antalya.

Crocuses Smiling Under the Rain

GOLDOSK’s journey is marked by the smiles of crocuses under the rain, symbolizing the joy, growth, and flourishing camaraderie within the club. As we continue our adventures, our aim is to expand the culture of embracing nature and organizing diverse activities, turning GOLDOSK into a beacon for Lakeland’s nature enthusiast

#GOLDOSK

0 notes

josephkitchen0 · 6 years

Text

Getting to Know Pigeons

Pigeons are remarkable for so many reasons. A true cosmopolitan, long after humans have left this Earth, only cockroaches, rats, and pigeons will remain. Humans and pigeons have been sharing living space as far back as 3000 BC, in Mesopotamia, modern Iraq.

Did you know that pigeons mate for life and both sexes care for the young? They have the ability to fly at altitudes up to 6,000 feet, and at speeds between 50 and 70 miles per hour. The fastest recorded speed is 92.5 miles per hour. These are just a few of many amazing pigeon facts!

Countless park goers across the world feed thousands of feral pigeons daily. Many members of different religions including Muslims, Hindus, and Sikhs feed pigeons for spiritual reasons. Some older Sikhs will ritualistically feed pigeons to honor Guru Gobind Singh, a high priest who was renowned as a friend to pigeons. I know I couldn’t resist sitting down in the middle of Venice’s historic St. Mark’s Square to befriend a flock of pigeons. Covering myself with seed, I couldn’t stop smiling, as the pigeons transformed me into a human perch.

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With so many types of pigeons to choose from, adding a flock to your backyard can add a fun source of entertainment, income, or food to any homestead.

In addition to a range of colors, pigeons have been bred for shows, racing and as a source of protein.

Pigeon Basics

How Long Do Pigeons Live? Domestic pigeons can live between 10 and 15 years. Although pigeons can become sexually mature as early as five months, many breeders recommended waiting for the birds to reach one year of age.

What Do Pigeons Eat? If considering keeping pigeons you may be wondering, what do pigeons eat? Pigeons are granivores, eating seeds and cereals. Many pigeon feeds include cereals, corn, wheat, dried peas, barley, and rye. Depending on the actively level of your bird, different protein percentages are commercially available. Pigeons will also benefit from fresh greens, berries, fruit, and an occasional insect.

How Do Pigeons Breed? The coupling ritual starts with the male characteristically cooing and puffing out his neck. The female will fly or walk short distances to entice the male to follow her. Once she is satisfied she will accept offerings of food and position herself to be mounted.

Eight to 12 days after mating and accepting food gifts from her mate, the hen will usually lay two white eggs. Pigeons will breed year-round and will lay more eggs before the first clutch has left the nest.

“Keeping the number of birds under control is key to health and quality and successful racing,” says Deone Roberts, Sport Development Manager of the American Racing Pigeon Union. “To have the desired results in racing, the flyer/breeder needs to set down his/her goals.”

Those goals will influence the type of stock selected and the kinds of pairings you will make. Controlling the times of mating is also important if you plan on racing or showing birds.

Managing pigeon breeding will allow your birds to be ready for a show.

Organizations such as the American Racing Pigeon Union are for people who love animals, fellowship, and friendly competition.

“We have a staffed national office to serve member needs such as leg bands and diplomas, race figuring software, educational materials, beginner mentor program, zoning assistance for ordinance changes, and promotion assistance,” says Roberts.

In addition to racing pigeons, Roberts says that there are hundreds of breeds of pigeons and it seems more are created through selection for specific traits. Most are for show. Some are for performance, such as the roller or tumbler breeds.

Budapest pigeon, with their comical eyes, were developed around 1907.

Growing up I had a small flock of rollers and tumblers. After a few years or raising them, and enjoying their aerial acrobatics, I attended a pigeon show to expand my collection. I purchased a pair of runt pigeons. These ironically named pigeons can weigh up to 3.5 pounds! They are mostly raised for show or squab meat. The seller said I could let them free range in the yard like chickens. After a week of keeping them in the coop to get their bearings, I let them out to explore the lawn. As soon as the door opened, the birds took off straight toward the horizon. That was a sad day. Lesson learned. Not all pigeons should be expected to return if they are released from their coop.

In ancient Mesopotamia, sailors would release pigeons — and ravens — from their ships. They would track the birds to orient themselves toward land. A thousand years later, you have the story of Noah in the Old Testament. Around this time you also start seeing pigeons featured in sculptures, jewelry, and hair needles.

The Phoenicians distributed white pigeons throughout the Mediterranean around 1000 BC. The Greeks gave pigeons to children as toys, used the squabs as a food source, and used their manure to fertilize crops.

Some pigeon lofts, situated next to Roman houses, could maintain 5,000 birds. The Romans created tube feeding and watering systems for their birds and started selectively breeding for desirable traits. They bred birds that flew strange patterns, could find their way home, were large enough to eat, and had ornamental plumage.

Today, schools raise pigeons to connect kids with history, nature and to empower them with life skills. “These projects are developing increased interest in science, math, computer technologies, health, and nutrition,” says Roberts. “When children have pigeons, they connect with nature. They are outside and away from computers, iPads, and the television.”

Keeping pigeons is an ageless hobby. Photo by Gary Weir.

Roberts reminds us that raising pigeons is not just a youth activity. “Likewise, the hobby provides enjoyment for retirees in their golden years.”

“Our members come from a variety of backgrounds with regard to education, income, and ethnicity. It is not unusual for individuals to combine two hobbies that include more animals, such as a hobby farmer, that may also have poultry.”

“What we have is an organization of members that gives to the community and gives to their own. Combine that with the love of a bird. There’s not much better than that,” says Roberts.

Originally published in the June/July 2017 issue of Backyard Poultry magazine.

Getting to Know Pigeons was originally posted by All About Chickens

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metrotravels · 4 months

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GOLDOSK

A Journey from Two Friends’ Walks to a Thriving Nature Sports Club

A Healthy Initiative Blossoms

One beautiful Sunday morning in the spring of the 2010s, a friend and I in Isparta decided to embark on a healthy 2-kilometer walk towards the hills. Eager to make this a regular and enjoyable activity, we envisioned forming a group committed to a healthy lifestyle intertwined with nature. Little did we know that this simple idea would evolve into something much larger.

From Two to Over 95 Members

Our initial walks paved the way for the creation of the Turkish Lakeland Nature Sports and Hobby Club, lovingly known as GOLDOSK. With a mission to encourage citizens to embrace nature, slow down, and escape stress, GOLDOSK has grown to over 95 members. Liked by thousands on social media, the club has become a symbol of active living in Isparta.

Exploring Local Beauties

Despite living in Isparta for over 30 years, I had never truly appreciated the natural beauty of the region. What were once green and brown areas on the city map became the picturesque locations we explored over the past year and a half. Every Sunday, our group traded sleep for dirt roads, thyme-scented pine forests, and the vibrant colors of spring flowers Guided Tours Turkey.

Adventures for All Ages

What began as treks for two blossomed into adventures for tens. Our diverse group includes officers, businessmen, writers, professors, workers, and retirees, spanning ages from 10 to 70. Generational differences melted away as friendships flourished, and every Sunday, we converged at the GOLDOSK building within Isparta Teraspark facilities.

GOLDOSK’s Recognition and Achievements

GOLDOSK’s commitment to promoting a healthy lifestyle through nature sports has not gone unnoticed. The club boasts over 100 completed activities, gaining recognition from the International Federation of Popular Sports (IVV). As the most active and enjoyable organization in the Lakeland, GOLDOSK received an official invitation to the 12th Nature and Popular Sports Games hosted by IVV in Antalya.

Crocuses Smiling Under the Rain

GOLDOSK’s journey is marked by the smiles of crocuses under the rain, symbolizing the joy, growth, and flourishing camaraderie within the club. As we continue our adventures, our aim is to expand the culture of embracing nature and organizing diverse activities, turning GOLDOSK into a beacon for Lakeland’s nature enthusiast

#GOLDOSK

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travellingbg · 4 months

Photo

GOLDOSK

A Journey from Two Friends’ Walks to a Thriving Nature Sports Club

A Healthy Initiative Blossoms

One beautiful Sunday morning in the spring of the 2010s, a friend and I in Isparta decided to embark on a healthy 2-kilometer walk towards the hills. Eager to make this a regular and enjoyable activity, we envisioned forming a group committed to a healthy lifestyle intertwined with nature. Little did we know that this simple idea would evolve into something much larger.

From Two to Over 95 Members

Our initial walks paved the way for the creation of the Turkish Lakeland Nature Sports and Hobby Club, lovingly known as GOLDOSK. With a mission to encourage citizens to embrace nature, slow down, and escape stress, GOLDOSK has grown to over 95 members. Liked by thousands on social media, the club has become a symbol of active living in Isparta.

Exploring Local Beauties

Despite living in Isparta for over 30 years, I had never truly appreciated the natural beauty of the region. What were once green and brown areas on the city map became the picturesque locations we explored over the past year and a half. Every Sunday, our group traded sleep for dirt roads, thyme-scented pine forests, and the vibrant colors of spring flowers Guided Tours Turkey.

Adventures for All Ages

What began as treks for two blossomed into adventures for tens. Our diverse group includes officers, businessmen, writers, professors, workers, and retirees, spanning ages from 10 to 70. Generational differences melted away as friendships flourished, and every Sunday, we converged at the GOLDOSK building within Isparta Teraspark facilities.

GOLDOSK’s Recognition and Achievements

GOLDOSK’s commitment to promoting a healthy lifestyle through nature sports has not gone unnoticed. The club boasts over 100 completed activities, gaining recognition from the International Federation of Popular Sports (IVV). As the most active and enjoyable organization in the Lakeland, GOLDOSK received an official invitation to the 12th Nature and Popular Sports Games hosted by IVV in Antalya.

Crocuses Smiling Under the Rain

GOLDOSK’s journey is marked by the smiles of crocuses under the rain, symbolizing the joy, growth, and flourishing camaraderie within the club. As we continue our adventures, our aim is to expand the culture of embracing nature and organizing diverse activities, turning GOLDOSK into a beacon for Lakeland’s nature enthusiast

#GOLDOSK

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topinforma · 7 years

Text

New Post has been published on Mortgage News

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They Offered You a Promotion and No Pay Raise. Now What?

There are usually two ways to get a pay bump in your career; either you move to a new job that offers more money and a better title, or you get promoted at your current company with a raise. These days though, a promotion is not always accompanied by a bigger paycheck. When this happens, you may be wondering: Is it worth it?

See Also on Kiplinger: The Outlook for Pay Raises in 2017

Let’s look at the arguments for, and against, this new trend.

Yes! Take the Promotion Even Without a Raise

If there’s a title change on the table, but no extra money to accompany it, there are still plenty of positives to consider.

1. You Will Gain More Experience

Hands down, one of the best reasons to take a promotion without a raise is to take advantage of the experience you’ll get. Moving into a bigger role means more responsibility, more work, and more to learn. While it would be ideal to be compensated for this, remember that experience in and of itself is a kind of compensation. Think about it: Everyone who is paying many thousands of dollars to get an education, or learn a new skill, is paying for experience. You’re getting this additional experience at no cost to you, and it can only help you grow and become a better employee.

2. It Looks Great on Your Resume

A flat resume is like a flat landscape; it’s not very inviting. If you’re looking to move jobs, you want to show your prospective employer that you have achieved things. You made waves, you made a difference, and you climbed the ladder. Promotions without pay raises do that just as effectively as those that come with extra cash. After all, how often do you put a specific salary next to each job or position you ever held? So, if you get promoted from Account Manager to Account Director, but there’s no raise in pay, don’t worry too much. It may not pay off now, but when you do move to a different job, you can jump right in at the higher level.

3. You May Get Additional Benefits Aside From the Pay

So you’re not getting any extra money. But, what else does the promotion give you? Ask, and you may be surprised at the additional benefits that could come with the job. In some companies, that promotion can mean extra vacation days and personal days. In others, it may mean that you can work at home occasionally, or travel more. Some companies will give you extra discounts on products and services, or freebies. You may be able to get the cost of your cellphone bill reimbursed, or get a free company phone, which eliminates the need to pay for your own. Is there a company car? All these benefits, and more, add up to either saving money, or you not having to spend it, and that’s a kind of pay raise.

See Also on Kiplinger: 10 Worst Jobs for the Future

4. With a Better Title Comes a Bigger Role in the Company

Even without the extra money, a promotion can be an excellent way to get more gravitas at work. Now, you have the title to push through ideas that might not have gone very far before. You may also have people reporting to you, which means you can delegate some of the less interesting work to them. It is rare — very rare — for a promotion to give you nothing more than a title change. Take the chance to grab those advantages. Or even better, suggest some. If the new title doesn’t come with more money, can it come with something else? Get creative.

5. Turning a Promotion Down Can Look Bad

Finally in the “for” camp, it’s the one point you cannot ignore. How is this going to look? It may be that the company is in financially unstable times, and cannot afford to give you more money right now. But, they really want you to take a bigger role, and more responsibility. They may well be counting on you. Saying “Not without a raise” can make you look mercenary, and while it is your right to do so, it could have implications further down the road. So, think hard before saying no. You may be saying no to a bigger promotion and actual raise down the road.

No! Don’t Take That Promotion Without a Raise

More problems and no more money? Here’s why you should consider declining the offer.

1. It’s More Responsibility for the Same Money

Or, to put it another way, it’s a pay cut. Look closely at the new title, and look at how the new job differs from your current role. Do you have to come in earlier and leave later? Are you on the road more? Are you now handling a much bigger workload, more stress, and the working lives of a lot of new people now reporting to you? Will this mean less time with your family or other relationships? Will you have to sacrifice hobbies and other personal interests? You may even have to relocate, and without more money, that could be impossible. Weigh up all these options carefully.

2. You Don’t Want to Be a Pushover

As an employee, you want to be respected. You do what you are required to do, and you do it well. But, you do not want to be a pushover, either. Taking a promotion without a pay raise might leave you feeling taken advantage of. Explore the reasons why this promotion comes without money. Does the company have a good excuse? It’s certainly not the norm to get a promotion without extra pay, so what’s the party line from HR?

3. Your Company May Be Hiding Something

There’s a scene in the movie Fun With Dick and Jane where Jim Carrey’s character, who works for an Enron-like company, gets a big promotion only to find out he’s the fall guy for his company’s fall into the toilet. Sadly, this is not just something that happens in the movies. People sometimes get promoted into jobs that are dead ends, or into positions that make them immediately liable for something bad happening. You really need to do the research here. What exactly does this promotion entail? What is the state of the department? Talk to people who had that position before you. Get the scoop before you even consider saying yes, or no.

4. The Position May Require You to Actually Spend More Money

Not only will you be doing more work for the same money, but it’s possible you’ll have to dip into your pocket more as well. The promotion may require you to buy clothing and equipment that won’t be reimbursed by the company. You may have to do a lot more driving, which means more gas and more wear and tear. You may have to organize and attend lunch meetings, which are once again not reimbursed. Ask what is required of you in the new role, and do the math.

See Also on Kiplinger: Time-Tested Tactics to Build Your Wealth

What to Do?

As you can see, there are more reasons “for” taking this promotion than “against” it. But, that doesn’t mean you should blindly take any promotion that comes without a raise. Take each situation on a case-by-case basis. Really look into it. Chances are, it’s a good career move, even if it doesn’t do anything for your bank account. But, there are risks, and they can be big ones. Good luck.

This article is from Paul Michael of Wise Bread, an award-winning personal finance and credit card comparison website.