### WordPress - Web publishing software
Copyright 2011-2019 by the contributors
This program is free software; you can redistribute it and/or modify
it under the terms of the GNU General Public License as published by
the Free Software Foundation; either version 2 of the License, or
(at your option) any later version.
This program is distributed in the hope that it will be useful,
but WITHOUT ANY WARRANTY; without even the implied warranty of
MERCHANTABILITY or FITNESS FOR A PARTICULAR PURPOSE. See the
GNU General Public License for more details.
You should have received a copy of the GNU General Public License
along with this program; if not, write to the Free Software
Foundation, Inc., 51 Franklin St, Fifth Floor, Boston, MA 02110-1301 USA
This program incorporates work covered by the following copyright and
permission notices:
b2 is (c) 2001, 2002 Michel Valdrighi - m@tidakada.com -
http://tidakada.com
Wherever third party code has been used, credit has been given in the code's
comments.
b2 is released under the GPL
and
WordPress - Web publishing software
Copyright 2003-2010 by the contributors
WordPress is released under the GPL
---
### GNU GENERAL PUBLIC LICENSE
Version 2, June 1991
Copyright (C) 1989, 1991 Free Software Foundation, Inc.
51 Franklin Street, Fifth Floor, Boston, MA 02110-1301, USA
Everyone is permitted to copy and distribute verbatim copies
of this license document, but changing it is not allowed.
### Preamble
The licenses for most software are designed to take away your freedom
to share and change it. By contrast, the GNU General Public License is
intended to guarantee your freedom to share and change free
software--to make sure the software is free for all its users. This
General Public License applies to most of the Free Software
Foundation's software and to any other program whose authors commit to
using it. (Some other Free Software Foundation software is covered by
the GNU Lesser General Public License instead.) You can apply it to
your programs, too.
When we speak of free software, we are referring to freedom, not
price. Our General Public Licenses are designed to make sure that you
have the freedom to distribute copies of free software (and charge for
this service if you wish), that you receive source code or can get it
if you want it, that you can change the software or use pieces of it
in new free programs; and that you know you can do these things.
To protect your rights, we need to make restrictions that forbid
anyone to deny you these rights or to ask you to surrender the rights.
These restrictions translate to certain responsibilities for you if
you distribute copies of the software, or if you modify it.
For example, if you distribute copies of such a program, whether
gratis or for a fee, you must give the recipients all the rights that
you have. You must make sure that they, too, receive or can get the
source code. And you must show them these terms so they know their
rights.
We protect your rights with two steps: (1) copyright the software, and
(2) offer you this license which gives you legal permission to copy,
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Also, for each author's protection and ours, we want to make certain
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software. If the software is modified by someone else and passed on,
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Finally, any free program is threatened constantly by software
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program proprietary. To prevent this, we have made it clear that any
patent must be licensed for everyone's free use or not licensed at
all.
The precise terms and conditions for copying, distribution and
modification follow.
### TERMS AND CONDITIONS FOR COPYING, DISTRIBUTION AND MODIFICATION
**0.** This License applies to any program or other work which
contains a notice placed by the copyright holder saying it may be
distributed under the terms of this General Public License. The
"Program", below, refers to any such program or work, and a "work
based on the Program" means either the Program or any derivative work
under copyright law: that is to say, a work containing the Program or
a portion of it, either verbatim or with modifications and/or
translated into another language. (Hereinafter, translation is
included without limitation in the term "modification".) Each licensee
is addressed as "you".
Activities other than copying, distribution and modification are not
covered by this License; they are outside its scope. The act of
running the Program is not restricted, and the output from the Program
is covered only if its contents constitute a work based on the Program
(independent of having been made by running the Program). Whether that
is true depends on what the Program does.
**1.** You may copy and distribute verbatim copies of the Program's
source code as you receive it, in any medium, provided that you
conspicuously and appropriately publish on each copy an appropriate
copyright notice and disclaimer of warranty; keep intact all the
notices that refer to this License and to the absence of any warranty;
and give any other recipients of the Program a copy of this License
along with the Program.
You may charge a fee for the physical act of transferring a copy, and
you may at your option offer warranty protection in exchange for a
fee.
**2.** You may modify your copy or copies of the Program or any
portion of it, thus forming a work based on the Program, and copy and
distribute such modifications or work under the terms of Section 1
above, provided that you also meet all of these conditions:
**a)** You must cause the modified files to carry prominent notices
stating that you changed the files and the date of any change.
**b)** You must cause any work that you distribute or publish, that in
whole or in part contains or is derived from the Program or any part
thereof, to be licensed as a whole at no charge to all third parties
under the terms of this License.
**c)** If the modified program normally reads commands interactively
when run, you must cause it, when started running for such interactive
use in the most ordinary way, to print or display an announcement
including an appropriate copyright notice and a notice that there is
no warranty (or else, saying that you provide a warranty) and that
users may redistribute the program under these conditions, and telling
the user how to view a copy of this License. (Exception: if the
Program itself is interactive but does not normally print such an
announcement, your work based on the Program is not required to print
an announcement.)
These requirements apply to the modified work as a whole. If
identifiable sections of that work are not derived from the Program,
and can be reasonably considered independent and separate works in
themselves, then this License, and its terms, do not apply to those
sections when you distribute them as separate works. But when you
distribute the same sections as part of a whole which is a work based
on the Program, the distribution of the whole must be on the terms of
this License, whose permissions for other licensees extend to the
entire whole, and thus to each and every part regardless of who wrote
it.
Thus, it is not the intent of this section to claim rights or contest
your rights to work written entirely by you; rather, the intent is to
exercise the right to control the distribution of derivative or
collective works based on the Program.
In addition, mere aggregation of another work not based on the Program
with the Program (or with a work based on the Program) on a volume of
a storage or distribution medium does not bring the other work under
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**3.** You may copy and distribute the Program (or a work based on it,
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**a)** Accompany it with the complete corresponding machine-readable
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and 2 above on a medium customarily used for software interchange; or,
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years, to give any third party, for a charge no more than your cost of
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**c)** Accompany it with the information you received as to the offer
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If distribution of executable or object code is made by offering
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example, if a patent license would not permit royalty-free
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If any portion of this section is held invalid or unenforceable under
any particular circumstance, the balance of the section is intended to
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It is not the purpose of this section to induce you to infringe any
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integrity of the free software distribution system, which is
implemented by public license practices. Many people have made
generous contributions to the wide range of software distributed
through that system in reliance on consistent application of that
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to distribute software through any other system and a licensee cannot
impose that choice.
This section is intended to make thoroughly clear what is believed to
be a consequence of the rest of this License.
**8.** If the distribution and/or use of the Program is restricted in
certain countries either by patents or by copyrighted interfaces, the
original copyright holder who places the Program under this License
may add an explicit geographical distribution limitation excluding
those countries, so that distribution is permitted only in or among
countries not thus excluded. In such case, this License incorporates
the limitation as if written in the body of this License.
**9.** The Free Software Foundation may publish revised and/or new
versions of the General Public License from time to time. Such new
versions will be similar in spirit to the present version, but may
differ in detail to address new problems or concerns.
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specifies a version number of this License which applies to it and
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**10.** If you wish to incorporate parts of the Program into other
free programs whose distribution conditions are different, write to
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we sometimes make exceptions for this. Our decision will be guided by
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free software and of promoting the sharing and reuse of software
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**NO WARRANTY**
**11.** BECAUSE THE PROGRAM IS LICENSED FREE OF CHARGE, THERE IS NO
WARRANTY FOR THE PROGRAM, TO THE EXTENT PERMITTED BY APPLICABLE LAW.
EXCEPT WHEN OTHERWISE STATED IN WRITING THE COPYRIGHT HOLDERS AND/OR
OTHER PARTIES PROVIDE THE PROGRAM "AS IS" WITHOUT WARRANTY OF ANY
KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE
IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR
PURPOSE. THE ENTIRE RISK AS TO THE QUALITY AND PERFORMANCE OF THE
PROGRAM IS WITH YOU. SHOULD THE PROGRAM PROVE DEFECTIVE, YOU ASSUME
THE COST OF ALL NECESSARY SERVICING, REPAIR OR CORRECTION.
**12.** IN NO EVENT UNLESS REQUIRED BY APPLICABLE LAW OR AGREED TO IN
WRITING WILL ANY COPYRIGHT HOLDER, OR ANY OTHER PARTY WHO MAY MODIFY
AND/OR REDISTRIBUTE THE PROGRAM AS PERMITTED ABOVE, BE LIABLE TO YOU
FOR DAMAGES, INCLUDING ANY GENERAL, SPECIAL, INCIDENTAL OR
CONSEQUENTIAL DAMAGES ARISING OUT OF THE USE OR INABILITY TO USE THE
PROGRAM (INCLUDING BUT NOT LIMITED TO LOSS OF DATA OR DATA BEING
RENDERED INACCURATE OR LOSSES SUSTAINED BY YOU OR THIRD PARTIES OR A
FAILURE OF THE PROGRAM TO OPERATE WITH ANY OTHER PROGRAMS), EVEN IF
SUCH HOLDER OR OTHER PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH
DAMAGES.
### END OF TERMS AND CONDITIONS
### How to Apply These Terms to Your New Programs
If you develop a new program, and you want it to be of the greatest
possible use to the public, the best way to achieve this is to make it
free software which everyone can redistribute and change under these
terms.
To do so, attach the following notices to the program. It is safest to
attach them to the start of each source file to most effectively
convey the exclusion of warranty; and each file should have at least
the "copyright" line and a pointer to where the full notice is found.
one line to give the program's name and an idea of what it does.
Copyright (C) yyyy name of author
This program is free software; you can redistribute it and/or
modify it under the terms of the GNU General Public License
as published by the Free Software Foundation; either version 2
of the License, or (at your option) any later version.
This program is distributed in the hope that it will be useful,
but WITHOUT ANY WARRANTY; without even the implied warranty of
MERCHANTABILITY or FITNESS FOR A PARTICULAR PURPOSE. See the
GNU General Public License for more details.
You should have received a copy of the GNU General Public License
along with this program; if not, write to the Free Software
Foundation, Inc., 51 Franklin Street, Fifth Floor, Boston, MA 02110-1301, USA.
Also add information on how to contact you by electronic and paper
mail.
If the program is interactive, make it output a short notice like this
when it starts in an interactive mode:
Gnomovision version 69, Copyright (C) year name of author
Gnomovision comes with ABSOLUTELY NO WARRANTY; for details
type `show w'. This is free software, and you are welcome
to redistribute it under certain conditions; type `show c'
for details.
The hypothetical commands \`show w' and \`show c' should show the
appropriate parts of the General Public License. Of course, the
commands you use may be called something other than \`show w' and
\`show c'; they could even be mouse-clicks or menu items--whatever
suits your program.
You should also get your employer (if you work as a programmer) or
your school, if any, to sign a "copyright disclaimer" for the program,
if necessary. Here is a sample; alter the names:
Yoyodyne, Inc., hereby disclaims all copyright
interest in the program `Gnomovision'
(which makes passes at compilers) written
by James Hacker.
signature of Ty Coon, 1 April 1989
Ty Coon, President of Vice
This General Public License does not permit incorporating your program
into proprietary programs. If your program is a subroutine library,
you may consider it more useful to permit linking proprietary
applications with the library. If this is what you want to do, use the
[GNU Lesser General Public
License](http://www.gnu.org/licenses/lgpl.html) instead of this
License.
I'm a Financial Planning Expert: 8 Moves To Make If You Have a Large Retirement Savings - sinth.info
If you feel like you have a lot saved for retirement, that is no small feat, as many Americans have been struggling to set aside money for their golden years lately.
Persistent, albeit cooling, inflation, rising rates and now, the resumption of student loan payments are continuing to make it difficult for many to plan and save.
In addition, what “large” savings mean can vary, but for instance, the Northwestern Mutual’s 2023 Planning & Progress Study-put Americans’ “magic number” to retire — the amount of money needed to retire comfortably — at $1.27 million, up from $1.25 million last year.
Meanwhile, the average amount that U.S. adults have saved for retirement modestly increased by 3% to $89,300 from $86,869 in 2022.
Yet, if you feel you are on track when the moment to retire comes, experts said there are still a few financial moves you should make and steps you should take to avoid any pitfalls.
Review Asset Allocation with Your Advisor
If you don’t already have a relationship with a financial advisor, now would be an excellent time to meet with one to help you review the following planning areas.
“There are many ways to work with an advisor, and you should decide which options work best for you,” said Stephen Kates, Certified Financial Planner (CFP) and expert reviewer for Annuity.org.
In terms of your asset allocation, there are some questions you should consider, including whether you are taking the appropriate risk level for your goals and time frame.
“Aggressive investing may have helped get you here, but diversification and risk management will help make sure you stay there,” said Kates.
Create an Income Plan
According to Kates, another key question is how will your savings become income, and what amount can you expect to receive?
“A large amount of savings is aspirational, but if it cannot adequately replace your income in a sustainable way, it may not meet your needs,” he said. “Compare your potential income to your expenses.”
Then, you should consider how, or if, this changes your plans. For instance, do you want to continue building a larger nest egg, prioritize other financial goals, or begin to coast?
“Organizing a structure and plan for how you will direct your money in the future will give you clarity on what comes next,” he added.
Consider Roth Conversions
Some experts said that if you’ve accumulated significant savings in traditional IRAs or 401(k)s, think about converting a portion to a Roth IRA.
“While you’ll pay taxes on the amount converted, future withdrawals from the Roth IRA, including earnings, are tax-free,” said Jeff Rose, CFP and founder of GoodFinancialCents.com. “This move can be especially beneficial if you believe you’ll be in a higher tax bracket in retirement.”
Plan for Required Minimum Distributions (RMDs)
Rose added that once you hit age 72, you’ll need to start taking RMDs from certain retirement accounts, whic can push you into a higher tax bracket.
“Work with a financial planner to strategize on minimizing the tax impact, possibly by starting withdrawals earlier or donating a portion to charity through a Qualified Charitable Distribution,” he added.
Review Your Beneficiaries
Another key component is to regularly review beneficiaries on all your financial assets, including 401(k)s, annuities, IRAs, and insurance policies and ensure that your assets are distributed according to your current wishes.
“It’s not just about money; it’s about ensuring your loved ones are taken care of,” said Rose. “So, while it might seem like a minor detail, keeping your beneficiaries updated can save your family from potential legal tussles and emotional distress down the road.”
Start by doing a quick re-evaluation of your balance sheet, cash flow projections and asset allocations to verify that you are in fact on track for retirement. It will also help you consider your overall goals and priorities. Ensure you’re taking advantage of any after-tax opportunities, too.
Emergency savings
For those fortunate enough to have a large amount of retirement savings, the next best steps are dependent on where you are in life, said David Peterson, SVP head of wealth planning, Fidelity Investments.
He added that one of these steps is making sure you have emergency savings. According to the Federal Reserve, 35% of Americans would not be able to pay for an unexpected $400 expense, which means many people may have to turn to expensive credit card debt, he said.
“While the amount will be different for each household, we suggest always having three to six months of essential expenses on hand to cover,” he added.
Healthcare
An average retired couple aged 65+ in 2022 may need approximately $315,000 saved after-tax to cover health care costs in retirement, according to Fidelity’s Retiree Health Care Cost Estimate.
In turn, he suggests ensuring your HSA is fully funded, as these accounts are triple tax-free.
“Additionally, this estimate does not cover long-term care, and someone turning 65 today has almost a 70% chance of needing some type of long-term care,” said Peterson.
“Anyone over the age of 50 should consider long-term care insurance to protect retirement savings. Similarly, if you’re still in your earning years, consider life insurance to protect family earnings from an unexpected early death.”
Consider Gifting
Peterson said that provided that you have taken care of debt and established protection for your savings, you may consider giving your children or grandchildren a leg up on savings.
“With 529 plans, it may make sense to front load several years’ worth of college education costs -up to five-,” he said. “Or, if they are early in their careers, there may be gifting opportunities that would allow them to fund their own 401(k)s, Roth IRAs and the like based on their own earned income.”
In 2023, everyone can give up to $17,000 to as many recipients as they’d like without gift or estate tax implications, said Peterson, adding that you may also consider Qualified Charitable Distributions (QCDs) to causes that are important to you.”