We will cover the wonderful Casablanca Valley, now a famous name in the wine world, and we will stop at two wine estates to find out more about Chilean wines, ending in style with a buffet lunch.
We will leave the port by coach and travel to Casablanca Valley, the youngest wine producing region in the country, which has already earned itself a reputation and popularity thanks to its perfect trilogy: a warm climate, fertile land and full-bodied wines.
We will stop at a wine estate, where we will be welcomed by experienced staff who will take us on a guided tour of the cellars to illustrate the wine making and storing process. We will end our visit in style as we taste some exquisite wines.
Then we will head to one of the most renowned wine estates in Chile: Estancia El Cuadro, a state-of-the-art facility where a complete wine tourism experience awaits us, offering us a glimpse of the history and traditions of wine making in Chile.
When we arrive, we will be offered a welcome drink that we will enjoy while we watch a folklore music show.
A delicious buffet lunch will come next, during which we can share our impressions as we continue to taste the Chilean wines that we have just learned about.
The ATV Tour at Parque de Aventura Vista Los Sueños will have you experience the real adventure and adrenaline. You will be able to cross rivers, farms and get to look points with ocean views and more.
*For Family traveling with kids, or those not as adventurous, we have the option of a Buggy instead of an ATV.
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My retirement is a long time away. Everybody says I should save now, but what’s the big deal if I put it off just a few years?
The answer is easy – compounding. If your money generates earnings, they can then be reinvested to generate their own earnings, and so on. When you’re young, compounding can be one of the easiest ways to build wealth over time. The earlier you start, the greater your chances of achieving your financial goals for retirement.
This chart is for illustrative purposes only and is not intended to represent any particular fund or investment, nor does it address tax implications or investment expenses. Assumes reinvestment of earnings. COUNTRY Financial® does not imply any guarantee of investment performance or benefits. The growth of your assets will be based on actual rates of return earned by the investments you choose. Past performance is not indicative of future results.
Pay yourself first – This isn’t rocket science, it’s simply a way of adjusting how you look at saving for retirement. If you’re like most people, you pay your bills, reward yourself with some spending money, and promise to tuck a little away for retirement if anything’s left over. With the “pay yourself” principle, you set aside a specific amount from each paycheck for your retirement first, pay your bills next, and then reward yourself with what’s left. That’s an easy way to cut back on small indulgences.
It’s okay to 401(k) – If your employer offers a 401(k), sign up! Since the money is automatically deducted from your paycheck, you won’t be tempted to spend it. It’s “pay yourself first” in action! The added bonus is – that money is tax-deferred, and the power of compounding discussed in the question above comes into play there. And, if your employer offers a matching contribution, you get a second bonus because you’re getting free money. Don’t leave that money on the table. Contribute enough to get a full match.
Up the ante – When you get a raise, try to increase your 401(k) contribution by at least a percent. If you don’t ever see it, you won’t miss it.
Don’t stop thinkin’ about tomorrow – When you max out your 401(k) contribution, think about opening an IRA. You don’t have to contribute the maximum or even contribute every year, but doing so might result in some very nice tax benefits while helping you prepare for your financial future.
Investing is, without question, confusing for a lot of us. But you might be making it harder than it needs to be. You don’t have to understand alphas, betas, standard deviation, or derivatives to invest for your retirement. In general, you want to understand some basic investment principles – things like compounding, asset allocation1, diversification1, and risk versus return. Talk with your COUNTRY Financial representative to discuss these basic investment principles.
Like many things in life, the answer is – it depends. The kind of life you want during retirement will influence how much money you’ll need. If you want to travel a lot, you’ll need more than someone who’d rather stick close to home and putter in the garden. Either way, you should plan on at least 75 percent of your pre-retirement income to pay for living expenses during retirement.
Healthcare keeps improving, so it’s not uncommon for people to spend more years in retirement than previous generations. You can't accurately predict how long you'll live. But for planning purposes, a good rule of thumb is to assume you'll live to about age 90 unless your health or family history indicate otherwise. You might not live that long, or you might live longer.
Asset allocation1 – or how you divide your money among asset classes like stocks, bonds, and cash – is commonly considered the most important part of investing. How you divide that money depends on a number of factors, like how long before you need the money and how much risk you’re willing to take for potential return. Generally speaking, the longer you have until you need the money, the more risk you can afford to take.
Here’s another “it depends” question. With most former employer retirement plan money, you have four choices about what to do with it – take the money, leave it where it is (if possible), roll it into another 401(k) (if possible), or roll it into an IRA.
The answer for you, though, is as unique as you are. And it's important to weigh any tax penalties or other consequences of consolidation. Your decision should only be made after talking to a trusted financial professional.
Life is full of surprises, and some of them can be costly. Because you know that unexpected expenses will pop up, having a fund established to pay for it will help you avoid the temptation to tap into your retirement account.
Generally speaking, you should have about 3-6 months worth of expenses in an easily accessible account – like a savings or money market account.
Need to build your emergency fund? Try the dollar-a-day dare. Just throw a dollar into a jar every day. Or better yet – throw all your singles into the jar at the end of the day, and watch that emergency fund grow! Then, periodically deposit that money into your emergency fund savings account.
I’m heading into retirement. How much can I withdraw from my retirement account and not run out of money?
A lot of factors go into your withdrawal rate – like your stock and bond allocations and life expectancy. But don’t make this decision lightly. Your best bet is to talk to a financial professional before you retire. That way, you’ll have a more reliable answer, and that peace of mind can make retirement less stressful.
Some of your retirement accounts may have minimum distribution requirements – usually starting at age 70 ½ – and that can influence where you withdraw the money from first. But there are other factors too, like investment performance and tax implications. Here’s a common liquidation order:
While this is a common order to take the money, talk to your tax advisor before you make your final decision because your specific situation will dictate what you should do.
Congratulations! Pension plans – with a guaranteed retirement income stream – are a wonderful benefit.
A commonly used option for a married couple is Qualified Joint and Survivor. This might be a good option if your spouse has a pension or other sources of cash or if there’s a significant difference in your ages or health.
For a single person with heirs, Life with 10 Years Certain is the common method of receiving pension benefits. If you don’t have heirs, you might want to look at other options.2
If you need your Social Security benefits to meet your retirement income goal, you might want to start benefits as soon as you’re eligible, even if it’s before you qualify for full retirement.
If you have enough income without your Social Security benefits and expect to live beyond average life expectancy, you may want to delay starting your Social Security benefits until you reach your full retirement age.2
That’s an unfortunate misconception a lot of people have, and it can be a costly one. That being the case, consider continuing your group coverage from work if you have it. Even though the cost will probably be higher than during your working years, it could be well worth it in the long run. Learn more about planning for potential health issues in the future.
COUNTRY Financial and our representatives cannot give tax advice. Any information we provide reflects our understanding of current tax laws, which are subject to change and reinterpretation.
1Diversification and asset allocation do not assure a profit or protect against loss in a declining market.
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The Circus moves Alec Leamas from operational work, or doing espionage in the field, to their banking section, where Leamas does a mundane desk job. He eventually goes to seed. He appears to his co-workers as if he has begun to drink heavily. He acts vague, borrows money without paying it back, and at times becomes hostile. His appearance becomes disheveled, and he keeps to himself. Rumors spread that he was transferred to banking because of mistakes he made in Berlin. One day he doesn't show up for work at all and never returns. Rumors spread that Leamas left because he embezzled money from the Circus.
Leamas rents a small, dingy apartment. He gets work as an assistant manager for a manufacturer, but soon leaves because of the smelly fumes. Then he tries his hand as an encyclopedia salesman, but fails to sell any and quits within a week. Leamas becomes even more downtrodden. He gets drunk at a tavern but can't pay for the drinks. His cleaning lady reports that Leamas receives no letters, owns only a few books, and consumes a lot of booze. He has no friends.
In Chapter 3, le Carré touches on the theme of love versus inhumanity by conveying Leamas's descent into alcoholism. The Circus bureaucracy appears to treat Leamas inhumanely by giving him meager compensation and pushing him into a job that is below his abilities. Soon Leamas isolates himself from others, often becomes hostile, and starts to drink heavily. His outward appearance reflects his inner decline. Others see him as a "grey, shambling figure.... They thought he was dirty, too, the way he didn't shave weekends, and his shirts were all grubby." So Leamas appears to go into decline as a human being.
Le Carré provides several hints that this decline might be an elaborate deception. First, it follows Control's request in Chapter 2 that Leamas deceive his colleagues by acting as if the Circus has mistreated him. Chapter 3 begins with the Circus transferring Leamas to a desk job in the banking section, creating the appearance that the Circus no longer wants him to work as a spy. However, in the previous chapter, Control indicated that he wanted Leamas to continue to work as a spy by taking an assignment to help get rid of Mundt. This contradiction alerts the reader to the possibility that Leamas's descent into alcoholism and poverty is not all it seems.
Also, Leamas's decline seems extremely public, as if it's a staged presentation. For example, a co-worker named Elsie announces in the Circus's canteen that the Circus has cut Leamas's pension unfairly, giving him only 400 pounds a year to live on. As a result, many of his colleagues will probably suspect that Leamas is resentful of his employer. Later, rumors spread left and right about Leamas's decline, which Leamas himself makes obvious with his belligerent behavior and his neglect of grooming. Also, due to a mysterious leak at the Circus, Leamas's embezzlement scandal becomes extremely public. In the private sector, he continues his unsocial behavior, picking fights in bars and antagonizing his employers. It's as if Leamas wants to make sure as many people as possible know he's dissatisfied with the Circus and the way he has been treated is causing his life to unravel. Also, through his decline, Leamas falls from the middle class to the lower class, which many people in British society find repellent. The United Kingdom has a strict class system, in which people in each class are treated and perceived in certain ways. In a way, therefore, Leamas becomes a victim of the class system that the communists criticize. Perhaps the Circus intended this to make Leamas more sympathetic to the communists.
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In Drosophila, the eye-color mutation scarlet= red (st) and the bristle mutation spineless (ss) are located in chromosome 3 at a distance of 14 map...
. In Drosophila, the eye-color mutation scarlet= red (st) and the bristle mutation spineless (ss) are located in chromosome 3 at a distance of 14 map units. What phenotypes, and in what proportions, would you expect in the progeny from the mating of st+ ss+ / st ss females x st ss / st ss males?
Aunt Jemima Pancake and Waffle Mix has undergone significant changes in its packaging since it was introduced back in the late 1800s. What changes struck the
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