Individuals who are targeting a lower replacement ratio will see a significant reduction in their standard of living.

We know that more people will live longer in retirement, but also that more retirees will have longer periods of time when they can travel, spend, and enjoy due to lower levels of chronic disability among the elderly. What a shame it would be if the health constraints that many older people faced were replaced by financial constraints due to lack of proper planning.

Texas, to be respected must be polite. Santa Anna living, can be of incalculable benefit to Texas; Santa Anna dead, would just be another dead Mexican.

It's gonna go. It can definitely run. It shouldn't drive across country. But certainly it should be a living, healthy, valuable piece once we are done with it.

I know that I could really kill for my daughter. I know because I'm living for her, so I'm fierce when it comes down to it. And I feel the same about my husband and my family. I'm just fiercely protective. It's like, that's my lair and nobody messes with my lair.

Tax time is a great time to take any refund you receive and invest in your future either by opening up an IRA account, or increasing the deferrals in your 401(k) plan. What's very encouraging today compared to a few years ago is that American workers are increasingly demonstrating a discipline for saving and investing their hard earned dollars, and are less likely than in the past to say they will run out and turn it in for a plasma TV for example.