Your Perfect Summer Soiree Formula SIP, SIP, HOORAY! Ready to shake things up this summer? Grab your martini glasses because there’s nothing like a summertime soiree. Whether mixing it up with a tropical tiki night, pouring classy spritzers in the garden, or sipping something cool at a poolside bash, hosting a summer cocktail party is the perfect way to serve up flavor and fun. Get ready to be the host or hostess with the mostest with these delicious tips (and sips) for the ultimate party this summer! Perfect Party Formula Do you want to keep things casual with familiar beers and classic finger foods, or do you want to see your friends in their best “Great Gatsby” attire sipping on a sidecar for a roaring ’20s-themed party? Plan your theme and the perfect menu of drinks, appetizers, and entrees to match. Next, pick out your summer guest squad and invite them at least a month in advance to give them ample notice. Ideally, you’ll want to keep the guest list to about 15 people, mixing in longtime friends and new acquaintances to keep the conversations lively and the party manageable. Mix, Mingle, Move Around Set up an inviting scene with cute cocktail glasses, festive decorations, and different seating options that encourage guests to mingle and have fun. Clear space for a makeshift dance floor, and provide snacks
at little groupings of comfy chairs to entice guests to nosh while they chat. Having an attractive and central bar area can set the party’s mood. You can go all out and hire someone to handle a full bar, create a drink station in the kitchen, or set up a DIY bar cart with recipes and all the ingredients for your friends to be their own bartenders. Shake Up Conversations No celebration is complete without engaging conversation and entertainment. Help your guests get to know each other by putting out fun icebreaker questions on the tables or serving each drink with one. This will get people to open up, laugh, and make new friends (the ultimate party favor). You could also come up with some fun games that encourage a little goofiness, like charades, a board game, or your very own talent show.
The important thing is to get folks together, have fun and enjoy!
TIPS TO KEEP YOUR RETIREMENT ON TRACK Will Your TSP Last as Long as You Do?
Life Expectancy Employees need to make informed choices regarding health, well-being and longevity estimates before determining if there is enough money in their TSP to cover living expenses each month. You want to ensure you will not run out of money. Tax Strategy When strategizing your investments, you need to make sure you have the right tax plan. Are you using tax-free assets like a Roth TSP, Roth IRA, or the Roth portion of your TSP while working, or is the majority of your savings in the traditional, taxable portion? Before you begin taking withdrawals, it’s essential to think about whether to pull that money from taxable or tax-free accounts, or what a mix of the two might look like. Flexibility One limitation of the TSP is that when you withdraw money, it has to come out
proportionally from all your investment funds — G, C, and S. You can’t choose to withdraw money solely from your more conservative G fund. If you need more control over how you withdraw and access different portions of your savings, you may want to roll part of your TSP into your IRA to give you more flexibility to meet short- term and long-term goals. Market Volatility Market volatility, especially in early retirement, can significantly impact whether you will have enough money for the rest of your life or outlive your assets. If you would like to meet with a financial advisor who can help you incorporate these considerations into a plan to help you achieve your retirement goals, contact us at Federal Benefits Made Simple for a free consultation.
When it comes time for a federal employee to retire, either on time or early, choosing how to withdraw money from a Thrift Savings Plan (TSP) can significantly impact retirement. It comes down to the question, “Will I have enough money to last a lifetime?” There is no one-size-fits- all answer, but here are several important considerations to keep in mind. Income Needs The first thing to think about is income needs. What will be your monthly expenses and how much money will you need from your TSP to complement your pension and Social Security to ensure you have enough for these expenses?
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