A haircut involves cutting or trimming hair to a desired length and shaping it for a specific look.

This style suits all face shapes and is a great option for thick, straight, or wavy hair. It also looks good with a fade or undercut. Contact Haircut San Francisco now!

A haircut is a term used to refer to the act or instance of cutting the hair. However, the word can also be used to describe a style of haircut, which is an overall appearance that may include trimming or removing the hair, or even just altering its shape and length. It can be done for a variety of reasons, including styling, fashion, or simply to achieve better hygiene.

While a barber can perform a haircut, it is often done by a trained professional, such as a hairdresser. There are many different haircut styles, and it takes time and practice to master them all. Some of the most common haircuts include a layered cut, a blunt cut, and a bang trim.

The first step in a good haircut is properly washing the client’s hair. This ensures that the hair is free of dirt and oil, which will make it easier for the stylist to work with. Next, the hair should be conditioned to soften it and reduce frizz. After this, the hair should be blow-dried so that it is straight and smooth.

Once the hair is dry, the stylist should prepare to cut it. This is usually done by putting on a protective covering, such as a cape or towel, which will protect the hair from accidental spills or stains. Depending on the client’s desired look, the hair should then be parted into several sections.

For example, if the client wants a layered haircut, the hair should be divided into five or seven parts. The first section should be taken near the forehead and ear, then two side sections should be taken. Each of these should be twisted and secured with a large clip. The rest of the hair can then be cut, starting from the front and working backwards.

Once the basic cuts have been made, the stylist can start blending in other techniques. These might include point cutting, a technique where each curl is assessed and individually cut to create movement and texture. Another technique is the 45 degree cut, which is known for its triangular shape and graduated edges. This type of haircut can create diagonal movement from the back to the front, and it is usually accentuated by a heavy weight line running through the perimeter.

Cutting

In finance, a haircut is a discount on the value of an asset. It is often used as a risk management tool when assets are being used as collateral for loans or transactions. The discount can be a result of many factors, including market volatility, credit risk and liquidity.

For example, if a small bank wants to borrow money from a large financial institution, it must put up assets as collateral for the loan. The lender may choose to lower the value of those assets by a certain percentage, or “haircut,” to reduce its exposure to credit and market risks. This is done by creating a buffer that absorbs price fluctuations.

Haircuts can also be applied to fees and charges associated with trading, such as a market maker’s spread or margin requirement. They can also be used to reduce the amount of outstanding interest payments or a portion of bonds payable during a debt restructuring process.

The haircuts that are applied to securities in these contexts have significant implications for lenders, borrowers and the overall financial system. They impact the amount of available assets that can be pledged to secure loans, or for government bond issuance. They also affect the level of leverage and liquidity in a broader financial system. Increasingly volatile markets, for instance, may require higher haircuts, which could increase leverage and liquidity risks.

As such, the size and application of haircuts must be carefully considered to ensure they do not create procyclical effects that amplify business cycle fluctuations in market prices and erode financial stability. Moreover, excessively large haircuts can force borrowers to sell assets or withdraw funds from their accounts, which could trigger a liquidity crisis. To avoid such a crisis, it is important that brokers and other traders understand the haircuts applied to their tradeable capital. This information can help them make informed trading decisions.

Styling

A hairstyle, hairdo or coiffure is the manner in which a person wears their hair. This style can be influenced by a variety of factors, including fashion, social norms, and personal preferences. It can also be influenced by culture, religion, or ethnicity. Hair styling has been practiced for thousands of years, ranging from hair braiding to the use of hair accessories. The word hairstyle is derived from the French word corte, meaning ‘headdress’ or ‘head ornament.’ Hairstyles have been depicted in art from the ancient world, and they have always been a part of personal grooming.

The style of a person’s hair can be altered by using various tools and techniques, such as blow drying, combing, brushing, styling, curling, or teasing the hair. Styling products are used to help achieve a particular look, and they may include hairspray, waxes, gels, clays, lotions, or mousses. A person’s hair can be parted, brushed back, combed into a pompadour or other styles, and held in place with hairpins or clasps.

Dry cutting, where the stylist cuts while your hair is dry, is a technique that’s great for curly or kinky textures as it allows them to be cut in their natural state. A bob is an example of a haircut that’s typically dry-cut, with the weight line grazing your collarbone. A mullet is a variant of the bob featuring a side-swept fringe. A wolf cut is another variation of the bob, with more of a frat shag style that’s been popularized by celebrities such as Billie Eilish and Camila Cabello.

Ombre is a hair color that’s dark at the roots and gradually fades to lighter as it moves toward the ends of your hair. There are different variations of this style, including sombre and babylights. Babylights are subtle highlights that are applied to thin, wispy sections of your hair.

Maintenance

A good haircut requires regular maintenance, which includes frequent trips to the salon for trimmings and using high-quality hair products. Your stylist will recommend the best shampoo, conditioner, and styling products to keep your hair healthy and looking its best.

Your stylist can also spot damage or dryness and recommend customized treatments to help your hair look and feel its best. Plus, regular trims remove faded ends and keep your color vibrant for longer.

Whether your style is low or high maintenance depends on your hair texture and how you want to wear it. For example, a straight bob may require more styling tools and upkeep than a wavy, beachy cut that embraces your natural texture. In addition, your lifestyle and commitment to maintaining a healthy hair routine play a role in how much maintenance your style needs.

Your septic tank is a large underground container where wastewater and solid waste are stored until bacteria break it down. This process creates a layer of sludge on the bottom of your tank while liquid waste, called effluent, floats on top.

Without regular cleaning, your septic tank could clog and release untreated wastewater into the environment. Here are a few signs that it’s time for septic tank cleaning. Contact Septic Tank Cleaning Perth now!

Septic tank odors often indicate a problem with your Chattanooga home’s septic system. A clog or a full tank usually causes them. When a septic tank gets full, all the waste solids in the system have nowhere to go. This prevents wastewater from flowing through the drains, and it can cause foul odors to emanate from your pipes or toilets.

If your septic tank smells, you should first check the interior of your house for a clog in a toilet or sink drain. If you don’t have a clog, the foul odors may be coming from the septic tank vents. If this is the case, you should contact a plumber to repair or replace the vents.

It’s also important to have your septic tank inspected and pumped regularly to avoid the sludge and organic waste buildup that causes the odors. Getting your septic tank pumped regularly will ensure that all of the waste material in the tank is processed before it has a chance to overflow into your home or yard.

The organic waste material in septic tanks breaks down into several gaseous compounds, including hydrogen sulfide (which has a rotten egg odor) and methane. These gases are dangerous to breathe in high concentrations. They can cause a range of health problems, such as breathing difficulty, irritation to the skin and eyes, and nausea.

There are some septic tank additives on the market that claim to eliminate odors, but these products can interfere with the natural process of breaking down waste in a septic system. They are also not safe for the environment. Using these products can result in the release of toxic gases into the air, which is not good for the environment or your family.

The easiest way to get rid of septic tank odors is to pour a cup of baking soda down any toilet or sink drain once per week. This will correct the pH levels within your septic system to a level that is healthy for microbes to survive.

Blocked Drains

During a regular septic tank cleaning, professionals use high-powered steam to dislodge and flush out stubborn drain clogs. They also inspect septic lines for signs of physical damage. This prevents future clogs and costly plumbing repairs for homeowners.

A septic tank works as a waste disposal system that transports liquid waste to a leach field or drain field, and solid waste sinks to the bottom of the tank. When the septic tank fills up with waste, the sludge overflows into the drain line that runs to your home. This causes foul waste odors and can cause your home’s drains to back up, which is dangerous. Regular septic tank cleanings prevent this.

There are many life hacks and DIY solutions for clogged drains, but they can make the problem worse and lead to expensive plumbing repairs in the future. These at-home remedies can include putting boiling water down the drain or pouring vinegar down your drains, but they’re not always effective. During a septic tank cleaning, a professional can use high-powered steam to break up and flush out all the debris in your septic tank and drain lines, making it possible for the septic system to function normally again.

Clogged septic tank drains are often the result of fats, oils and grease (FOGs) that aren’t properly disposed of by home owners. These waste products can solidify into a slime-like material that blocks the drain pipe between the septic tank and your home. Keeping your tank bacteria topped up with Muck Munchers will help to keep the fats out of your septic tank and drain lines.

During the septic tank cleaning process, the technician will check the sludge depth in your septic tank with a piece of equipment called a septic judge. This is a small device that a pro pushes down into the septic tank to measure the sludge layer. If the sludge is deeper than usual, it could indicate that the septic tank is full or that your drain field is overtaxed with waste. You might also notice that your yard is greener than usual, which can mean excess nitrogen in the soil from a malfunctioning septic system.

Damaged Pipes

A septic system works well as long as the sewage and waste move through it without disrupting the balance of bacteria that breaks down solids. Unfortunately, certain household products like chemical drain cleaners disrupt this balance and interfere with a septic system’s function. These chemicals can also cause clogged drains and other problems throughout the home.

Regular septic tank cleaning prevents these chemicals from entering your drain pipes and causing damage. During this service, a professional will thoroughly clean your entire sewer system, removing all clogs and foreign objects from your septic tank, drain line, and sewer pipe. These preventative services can save you money in repair costs and water-related emergencies.

During a septic tank inspection and cleaning, a technician will check the condition of your septic tanks, baffles, and filters. They will also look for cracks and other physical damage to the tank and its contents. They will also examine the septic tank outlet, checking for signs of a broken line between the tank and drain field.

Septic systems are not only buried underground, but they can be damaged by vehicles driving over them. This can shift the septic tank or cause vibrations that break down the pipes. It is a good idea to keep vehicles and heavy machinery away from your septic tank, as well as the drain field.

If you notice a septic tank leak, the first thing to do is shut off the main water supply. After that, you should call a plumbing professional for help. These experts can use high-powered water jets to quickly dislodge and remove tough clogs from your septic tank, drain lines, and pipes. The results are a more efficient septic system and fewer costly repairs down the road.

The best way to avoid costly repairs is with preventative maintenance. Monitor what goes down your drains, and never flush items like wet wipes, cotton balls, or grease. You can also limit garbage disposal use and make sure to regularly inspect and fix any household leaks. Finally, plant grass and shallow-rooted plants over your septic tank and absorption field to keep roots from penetrating the pipes.

Health Risks

Your septic tank is a massive concrete or plastic container that holds all the wastewater that comes from your house. It treats all the dirty water that flows out of your home when you wash clothes, do dishes and bathe. The septic system then sends the water to your drain field for treatment in the soil. A septic tank that is not properly cleaned can lead to health problems for you and your family.

The bacteria inside your septic tank generate gases that can cause issues for your health. Hydrogen sulfide, which has the smell of rotten eggs, is one of these gases. This gas can irritate your nose and throat if you inhale it for extended periods of time. Other harmful gases produced by the bacteria include sulfur dioxide and carbon monoxide. These gases can also irritate your skin and eyes. They can also trigger asthma and other respiratory issues.

If a septic tank is not cleaned regularly, solid waste will build up inside the tank. When this happens, the liquid that should flow into your drain field can become stagnant and pollute groundwater sources in your area. Regular cleaning and pumping prevents this from happening.

Leaving your septic tank unclean can also cause your septic system to fail. When this occurs, dangerous bacteria will enter the environment around your home and could cause illness. The bacteria in sewage waste includes protozoans, which can multiply inside the human body and cause diarrheal diseases like amebic dysentery. In addition, parasitic worms, including tapeworms and roundworms, may live in sewage waste.

Failing to clean your septic tank and the surrounding septic system can lead to health risks for you, your family and your pets. Indirect contact with septic system bacteria can also lead to fungal infections and sinus and ear infections. Inhaling septic tank fumes can also contribute to chronic coughing and wheezing in children and seniors. Finally, a failing septic system can release toxic mold spores into your home, which can aggravate allergies and breathing issues. A professional septic tank cleaner can clean the entire septic system for your peace of mind.

Mice can cause a lot of damage to your home. Their chewing habit creates holes in walls and other structures. They also transmit dangerous diseases that can be contracted by handling rodent droppings or ingesting their urine.

Professional pest control technicians can sanitize and seal gaps and propose exclusion and habitat modification tactics for your property. These preventative measures help lessen future mice infestations. Contact Mice Removal Service Texas now!

Mice have been known to cause severe damage to homes by chewing through insulation, electrical wiring and other important structures. They also spread disease through their droppings, urine and saliva. These rodents are notoriously difficult to eradicate and require professional help when they appear in a residential home or business. Several pest control companies offer preventive treatments for mice. These services often include a monthly or quarterly inspection and treatment for an ongoing cost that can be paid in a single payment or in installments. When choosing a pest control company, it’s important to compare pricing and coverage plans before signing a contract. It’s also a good idea to ask about their guarantee and warranty.

Property inspections are the first step in a mouse prevention plan. A qualified technician can identify and target potential entry points for rodents and provide recommendations on how to make your upstate New York property less attractive to rodents. Some of the most important steps include:

Sealing cracks, holes and crevices. Mice can squeeze through openings the size of a dime, and rats are capable of enlarging gaps 1/4 inch wide or more with their gnawing. Make sure to apply caulk or steel wool to all exterior penetrations such as pipes, vents and chimneys. Indoors, you can install pipe collars, door sweeps and grates over drains. Also, remove clutter to eliminate hiding spots for rodents.

Proper sanitation. Keep food in sealed containers and store garbage in rodent-proof cans. Eliminate crumbs and other sources of food for mice, including pet crumbs, paper, cartons and boxes. Also, keep garbage and compost bins in mouse-proof containers.

A regularly scheduled pest prevention treatment with mice repellent can be effective in reducing the number of rodents around your property and in keeping them away from your home or business. These products contain substances that can deter mice by causing them to taste bad or smell unpleasant. They are available at most hardware and grocery stores and should be sprayed or dusted directly onto areas where you see signs of mice.

Mice are most active at night and are often heard scurrying around walls or cabinets in kitchens, garages, basements and other storage spaces. If you hear scratching or squeaking noises in the walls, ceilings and floors of your home or business, you should contact a pest control company immediately to schedule an initial inspection and treatment.

Inspection

The first step in mice control is a home inspection. Pest control specialists visit your house to determine the size of the problem and its location, and they provide price quotations and methods for eliminating the infestation. The inspection also helps them create a strategy for the extermination process and estimate how long it will take to get rid of the rodents.

The inspection begins with a thorough search of the interior and exterior of your property to locate mouse nests and entry points. The specialist also looks for signs of damage to your property, including chewed wood and wires.

It’s important to recognize the presence of mice and act quickly before the situation gets out of hand. These rodents are not only major annoyances but can also cause serious health and safety hazards in your home, such as spreading bacteria, contaminating food, and irritating allergies. Plus, they can chew through anything and cause structural damage to your home.

When you’re considering hiring a mice exterminator, choose a reputable company that employs professionals with proper training and licensing. They also have access to pesticides that aren’t available to the general public and know how to apply them without causing harm to people, pets, or the environment.

During the inspection, the mouse exterminator will identify and seal any entry points that the mice use to gain access to your home. They will also recommend changes to your property that may prevent mice from entering. For example, they can caulk around windows, doors, and pipes, cover vents, and trim vegetation near your home. You can also help by repairing any gaps in your home and trimming branches that might provide mice with an easy path to the roof.

While it’s possible to perform your own mice removal, a pest control specialist can do the job more efficiently and effectively. You’ll also save time, as you won’t have to worry about setting traps and poison baits and cleaning up afterward. Additionally, you’ll have peace of mind knowing that the task is done right and that the pests won’t return in the future.

Treatment

Once a technician finds a rodent infestation, it will take a few weeks for the entire population to be eradicated. In the meantime, homeowners can keep their homes clean to help reduce the number of mice that enter and nest. They can also place scented cotton balls soaked in essential oils like clove oil or peppermint oil in areas where mice frequently live, such as drawers and cupboards.

During the treatment, pest control technicians will seal holes and entry points, set traps, and remove feces, droppings, and nests from infested areas. This will help prevent mice from returning to the property in the future, and it will keep the rodents away from food sources, water, and shelter inside the home.

While you can try to remove mice from your home on your own, it is best to let a professional do so for severe and ongoing problems. Mice are known to carry diseases that can be spread to humans through contact with their feces and urine, and they can chew through wires and wood, causing serious electrical fires and structural damage to the house.

It is important to consider the number of times you need a professional to visit and treat your property. This will affect how much the mouse removal service costs. For example, if you have a severe problem that requires fumigation, it will be more expensive than regular maintenance treatments.

Choosing a top-rated mouse exterminator is crucial to ensure the problem is resolved properly and completely. Look for a company that has trained customer support staff that can answer questions and provide assistance with a variety of pest issues. Some companies offer discounts, promotions, and annual service plans to help you manage rodent removal services. The company you choose should have years of experience and high BBB ratings in addition to being licensed, insured, and bonded. You should also select a company with certified technicians who undergo 160 hours of training, so you can feel confident in their work. This will protect you from pest control scams and ensure you get the best quality service.

Follow-Up

After an initial inspection, the pest control company will work to seal entry points and set traps inside your home. They may also use bait stations and other non-toxic methods of extermination, which can be more humane for the mice than killing them directly. Ask if the company offers these services and what their costs are. You should also make sure that the company you choose is licensed and insured for their work.

The duration of the mouse removal process depends on the severity of the infestation and where mice are hiding in your home. In minor cases, a few days of trapping is enough to eliminate the problem and return your home to normal. However, extensive pest infestations can require a month or more of treatment to complete eradication.

You can help prevent mice infestations in your Albany, NY, home by removing easy access to food and shelter. Mice are attracted to crumbs and spilled food, so keep your kitchen clean and store foods in airtight containers. You can also keep bushes and shrubs trimmed away from your house to reduce their shelter value. Mice are also attracted to garbage, so remove the trash regularly and keep your outdoor bins sealed.

When you suspect a mice infestation, call a professional immediately. The pest control technician will perform an inspection and assess the severity of the problem, using their knowledge and experience to determine where the mice are hiding in your home. They will also look for signs of infestation, such as droppings and nesting materials.

During the course of treatment, the pest control company will seal entry points into your home with caulk or sealant. They will also use a variety of snap traps, jaw traps, and bait stations to catch the mice and remove them from your home. If necessary, the pest control technician may resort to fumigation. This involves placing rodenticide in gas form throughout your home, causing the mice to perish and detering them from returning.

It is important to have a follow-up visit after your pest control service is completed. The pest control technician can check traps and bait stations to ensure that all mice have been removed from your home. They can also inspect the exterior of your home to look for any new entry points that may need to be sealed. The pest control company can then offer you a program of regular preventive treatments on a monthly or quarterly basis.

Retirement Planning is a process that can be started at any point during your working years. It includes determining how much you need in order to retire and setting goals for saving and investing.

A common rule of thumb is to save 15% of your income throughout your working life. However, each individual’s financial situation is unique and can vary from this general estimate.

Every person has a unique vision for their retirement. It may be traveling the world, trying out a new hobby or second career, or simply maintaining the lifestyle they’ve enjoyed while working. Regardless of your dreams, a financial plan can help you achieve them. A good plan can help you establish goals, estimate how much money you’ll need, and then save and invest to grow those savings.

It is important to consider all of the costs associated with retirement, including expected expenses and taxes. A common suggestion is to calculate how much income you’ll need using an income multiplier or percentage formula, but these can oversimplify the situation. A meeting with a financial professional can help you understand how your personal situation and planned lifestyle might affect the estimation process.

You will also want to understand the rules of your employer’s retirement savings plan(s). Federal laws require most employers to offer one or more plans to their employees, but these vary by company. Contact your human resources office or the administrator of your plan to learn more. Many plans also provide a booklet that describes key plan rules, called a Summary Plan Description, which you should receive upon enrolling or leaving employment.

Many retirees report that their expenses in the first few years of retirement are close to or even exceed what they spent during their working years. This can be due to a number of factors, such as spending more on travel or paying for home and healthcare services that aren’t covered by Medicare until age 65.

Another cost to be aware of is taxes, which can reduce the value of any withdrawal from a retirement account or annuity. Be sure to factor in all anticipated tax rates, including those on distributions from workplace and individual retirement accounts, investment earnings, Social Security benefits, and other sources of income. It may be a good idea to accelerate savings in the years leading up to retirement to try to make up for any shortfalls. Also, it is often a wise move to pay off high-interest debt prior to retirement, since this can free up additional funds for savings or investments.

Creating a Budget

Once you’ve identified your desired lifestyle in retirement, it’s important to plot out how much you anticipate spending. A common rule of thumb is that retirees need about 70-80% of their pre-retirement income to cover expenses.

During this process, you should consider your fixed costs, including housing, utilities and food. You should also factor in health care costs, which tend to increase with age. The Bureau of Labor Statistics estimates that the average American over 65 will spend about $60,844 a year on these costs. This includes premiums, deductibles and out-of-pocket costs.

Other considerations include outstanding debt, which may need to be paid off before you retire, and discretionary expenses, such as travel or hobby interests. Many financial professionals recommend setting aside an emergency savings account that can support three to six months of living expenses.

A retirement budget should also account for any planned or unexpected events, such as unanticipated medical expenses or home repairs. It’s a good idea to set aside funds for these kinds of shocks, because they can be financially straining and emotionally stressful.

In addition, you should plan for expenses that are likely to increase as you enter retirement, such as a new car, additional recreational activities or a major vacation. Finally, you should calculate your potential tax burden, including Social Security benefits and required minimum distributions.

You may want to use a budgeting app or website to help you create a realistic retirement spending plan. Once you’ve determined your expenses and income, it’s a good idea to track your spending for a few months to ensure that your plan is on target. It’s also a good idea to set up an accountability partner, such as a spouse or friend, who can hold you accountable for your spending and savings goals. This can be particularly beneficial if you’re having trouble sticking to your goals. The word “budget” can have a negative connotation, but it’s important to remember that it’s not about depriving yourself of things you enjoy in retirement. In fact, cutting back too severely on entertainment and leisure activities can have a number of detrimental health effects, including high blood pressure, heart disease, depression, anxiety, Alzheimer’s disease and weakened immune systems.

Investing

If you are planning to retire in the future, it is important that you start saving and investing for retirement as soon as possible. This will help ensure that you have sufficient funds to cover your living expenses and other financial goals. There are many different retirement investment vehicles available, with varying contribution limits and investment options. These include 401(k) plans, individual retirement accounts (IRAs), and brokerage accounts. Each has different rules about how much you can contribute each year, and how it is taxed.

Choosing the right investment vehicle depends on several factors, including your age and risk tolerance. You should also consider the role that your retirement savings and investments will play in your overall income plan, as well as any guaranteed sources of income like pensions and Social Security.

A diversified retirement portfolio should include stocks, bonds and cash investments. The amount of each type of investment will depend on your risk tolerance and the expected rate of return you need to achieve in retirement. For example, a younger investor might prefer a more aggressive portfolio (100% stock); a retiring investor might prefer a more conservative one (75% bonds and 25% cash investments).

It is important that you invest in low-cost investments such as index mutual funds or exchange-traded funds. These types of investments are passively managed, which helps keep fees low compared to actively managed funds. They also track the performance of a given market, which can reduce your risk by automatically diversifying your portfolio.

You should regularly rebalance your investment portfolio to make sure that it is still aligned with your risk-return profile. This will prevent you from being forced to sell assets in a down market, which can erode your returns. It is also helpful to consider the impact of inflation on your retirement plans, and to ensure that your investments are able to grow at a pace that can keep up with inflation.

You should also have an emergency fund, which should be enough to cover 3 to 6 months of expenses in case you experience a financial crisis or unexpected event. This will protect you from going into debt or having to take out costly loans, and it will also help you avoid unnecessary spending.

Deciding Your Income After Retirement

During retirement, individuals face a number of financial challenges that can be difficult to navigate without the proper planning. In addition to the usual expenses, such as housing, healthcare, food and transportation, many retirees find that their lifestyle changes significantly. These changes can lead to higher than expected expenditures, especially when inflation is taken into account. To combat these increased costs, retirement planning requires an individual to plan ahead and save more money than they think might be necessary.

The biggest concern in retirement planning is not how much a person has saved or invested, but rather how that grand total will translate into a sustained monthly income throughout the entire duration of their retirement years. A retirement advisor can help you determine this by working backward from your best-case life expectancy and factoring in a number of factors, such as how much you’ll receive from Social Security and pensions, and how much you’ve accumulated in your 401(k), IRA and other accounts.

A retirement plan must also take into account the potential need for long-term care and healthcare expenses, which are often among the most expensive. Many people assume Medicare will cover these expenses, but this is not always the case. In some cases, Medicare premiums and deductibles must be paid. Additionally, Medicare does not usually pay for long-term care costs or any other expenses that may arise. This is why it is important to set aside adequate savings for these expenses in advance of retiring.

A person’s retirement savings are typically comprised of contributions to an employer-sponsored retirement account such as a 401(k), an individual retirement account (IRA) or a simplified employee pension (SEP). It is recommended that people save at least 5-15% of their income into their retirement accounts. Individuals can also consider a variety of other investments, such as stocks and bonds, mutual funds and exchange-traded funds (ETFs). Choosing the right mix of investments is an important part of retirement planning to ensure that individuals are able to achieve their long-term goals and have the flexibility they need during retirement.