When the temperatures are hot and the family's summer vacation is on your mind, the last thing you should be thinking of is winter. More specifically, Christmas is probably very far from your mind during the warm summer months. However, there is something to be said for planning ahead and starting your Christmas shopping now. Few people truly enjoy the bitter cold of the holidays, but rather than thinking about the cold as you Christmas shop in summer, think of it as a time to spread the joyfulness of the season into your summer as well.
Americans approaching retirement in the 21st century face a growing number of fears. Money is one of the biggest fears on that list for most Americans, with the Motley Fool reporting that more Americans fear running out of money during retirement more than they do death itself! Some 57% have reported fearing a lack of funds more than death. It is not an issue facing only older Americans though.