Are you getting tired of the same old vacations?  Vacation time is often limited and you no doubt want to use it wisely. If you return to the same beach year after year and are enjoying your time there – good for you! If you’re ready to ramp up your vacation experience, try these recommendations from the travel experts.

The first step is to determine your travel dates and set your budget. One great option to consider is combining a beach trip with a trip to an urban area. Atlantic City fits this bill. With easy access from the New York metro area, Philadelphia metro area and Washington DC, Atlantic City and the neighboring beaches are a premier attraction on the East Coast. Experience the glamorous cabaret shows, performances by famous artists and world-renown cuisine in the many casinos that line the boardwalk. Take advantage of the awesome deals offered by Groupon coupons and consider booking a room at the Ballys Atlantic City Resort & Casino. Beyond great restaurants and shows, Atlantic City boasts the second largest casino operation in the country.

Atlantic City, and the beach towns of Margate, Ventnor and Longport are located on the island of Absecon. If you’re a surfer, you’ll love the wave action in Margate. The town has designated a portion of the beach exclusively to surfers. How fun is that?  Margate and Long Port both boast a vast array of restaurants from casual to formal.  Nestled between the Lakes Bay and the Atlantic Ocean, these beach towns have stunning marshes and wildlife. From paddle boarding, to fishing to fishing, there are activities for every member of the family. For long days on the beach, Long Port has roaming ice cream vendors that manage to appear at just the right time. There’s nothing better than savoring an ice cream sandwich on the beach!

Take the time to leisurely explore these beach towns during the day and ramp up the action at night with visits to Atlantic City. Have a grand time ramping up your vacation experience. You’ll be sure to return next year!

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We all get old eventually, so although it is tempting to ignore retirement in favor of living in the moment, sensible people start thinking about things like pensions from an early age. The problem is that many people don’t have adequate provisions in place to protect them when they retire. There are different retirement plans in place for U.S. citizens, including IRAs and 401Ks, but unless you use them, your retirement is going to be miserable. So how can you make your retirement more comfortable?

Invest in Your Career

Investing in a career is always a good option because it allows you to earn more money and, ideally, take advantage of an employer-boosted 401(k) pension fund. One way to maximize your earnings is to study for higher qualifications. Statistics show that people with degrees and higher degrees such as MBAs earn more and enjoy better employability. For example, if you study for an MBA in healthcare management, you can move into the public health sector and rise to a senior position within a hospital. It’s a smart move and since you can now study for a healthcare management degree online, not even that expensive.

Start Saving for Retirement

The best way to enjoy a decent standard of living when you reach retirement is to save up. Whilst there are safety nets for seniors with no assets or savings, it is always better to have a nest egg put aside to help pay for your retirement. The younger you are, the more effective this approach is, since any money you save in a government accredited retirement savings plan will enjoy tax benefits and compound interest.

401(k) plans where an employer matches whatever you pay in is always the best option, but new IRAs are well worth considering, since you can save as much as you can afford to put by, and your cash is safe. There are other options, but talk to a qualified financial advisor before you make a decision.

Invest in Property

Property is rarely a bad investment, so if you have a decent amount of money sitting in a savings account, it is worth investing in property. You will benefit from this investment in two ways. Firstly, your original investment will rise in value as the property market rises, and secondly, you can charge rent to anyone living in the property. It’s not a foolproof means of saving for retirement, but as long as the property is managed correctly and you invest at the right time, property makes a good retirement investment fund you can generate a steady income from and cash in when you need the money.

Live a Frugal Lifestyle

If you spend like there is no tomorrow, you will never be able to put money aside for your retirement. This is a great policy if you don’t expect to grow old gracefully, but since most of us are living longer than ever these days, it is wise to start as you mean to go on.

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Is putting money in HSA a good IRA investment?

Americans are living longer. That should be good news. However, Americans are also terrible at managing their money, being a bit of a cheapskate wouldn’t hurt most, which is why an individual retirement account (IRA) is such a blessing. However, with medical costs and everything else rising, it is usually a good idea to live frugally. […]

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