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How to prepare for your retirement in a sluggish stock market

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Tips from the Washington Post's Jonnelle Marte on how to prepare for your retirement in a sluggish stock market.

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RETIREMENT SAVING RETIRE SENIOR SOCIAL SECURITY LOANS ADVISOR FINANCIAL SCAM SCAMMERS FRAUD STUDENT DEBT STUDENT LOAN DALTON BENNETT GET THERE JONNELLE MARTE ticker timer duty patrol picket guard tab eye notice gander vigil hawk sentry tout heed disregard ignorance neglect stare listen look attend scan regard see observe follow wait examine view case spy note inspect mind focus mark pipe gaze peer scope take in eyeball ignore avoid harm miss forget hurt keep oversee tend police look out be wary care for be in the service of do for doctor look after minister to nurse serve take care of wait upon watch work for catch concentrate on devote oneself get a load of hear hearken keep one's eye on lend an ear listen up look on occupy oneself with pay heed pick up see to sit take care consider contemplate descry discern distinguish earmark feast one's eyes flash lay eyes on perceive spot survey witness baby sit foster keep an eye on keep tabs on mind the store minister mother nurture pay 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pomp showing panoply splash sight array fanfare view expo reality hiding truth play movie drama act comedy film flick cinema seeming pretext air sham pose effect front face guise quiet back rear sell offer sport flash wave stage mount bare vaunt hide deny refuse veto cover take close reveal appear prove explain get reach show up project note teach mark come present emerge loom point divulge assert clarify evince arrive unveil get in lay out turn up blow in ostend fail lose miss leave give see lead bit curtain epilogue gag introduction number piece prologue routine scene schtick show sketch spot turn affectation attitude chaser dissimilation fake false front feigning performance phony posture pretense put-on shuck and jive simulation soft soap stall stance stunt sweet talk cite illustrate point out acquaint advance advise announce apprise ballyhoo beat the drum for bill blazon boost build up circularize communicate declare disclose drum endorse exhibit expose flaunt get on soapbox for 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load load up lug iron make ready mobilize pack pack a rod protect rig rod up strengthen tote agree to blueprint chart come to terms compromise concert construct decide design determine devise draft establish frame get ready hammer out a deal iron out lay out line up make a connection manage map out negotiate organize project promote pull a wire pull things together quarterback resolve schedule scheme set stage work out work out a deal activate actualize break ground break the ice bring about bring to pass cause commence create drive effect embark on enter on enter upon eventuate found generate get going give birth to give impulse go ahead go into impel inaugurate induce initiate instigate institute introduce launch lay foundation for lead make active motivate mount occasion open originate plunge into set about set in motion set up trigger undertake outline sketch advise arm begin block out being now since after during pro toward to go to as long as cause considering for for the reason that inasmuch as seeing that whereas as a result of as things go by cause of by reason of by virtue of due to for the sake of in as much as in behalf of in that in the interest of in view of now that on the grounds that over owing to seeing thanks to through backing in agreement on the side of supporting all in all all things considered because everything being equal forasmuch as in consideration of in light of insomuch as pending taking into account accept advocate appreciate approbate approve back be in favor of be on one's side buck for champion choose commend cotton to countenance encourage endorse esteem eulogize fancy flash on go for hold with honor incline lean toward look up to opt for patronize pick praise prize regard highly root for sanction single out support take a liking to take a shine to take to think well of tilt toward value accordingly and so consequently ergo for this reason hence in consequence in that event on account of on the grounds then thence therefrom thereupon thus to that end whence wherefore behind favor therefore FOR your YOUR Your ebb blockade privacy shelter solitude retreat hiding abandoning abandonment abolishing abolition abrogation annulment canceling deletion dissolution dissolving elimination invalidating invalidation nullification overruling quashing recall recalling repeal repudiation retirement retracting retraction reversal reversing revocation revoking undoing withdrawing adieu bow out congé decampment desertion egress egression embarkation emigration escape evacuation exit exodus expatriation farewell flight getaway going going away goodbye hegira migration parting passage powder quitting recession removal sailing separation setting forth setting out stampede start takeoff taking leave taking off vacation vanishing act walkout withdrawal absconding apostasy avoidance backsliding betrayal castoff defecting departing departure derelict dereliction disaffection disavowal disavowing divorce elusion evasion falling away falseness forsaking going back on leaving marooning perfidy recreancy rejection relinquishment renunciation resignation running out on secession tergiversation treachery truancy ceasing to exist decline and fall dematerialization disappearing act disintegration dispersal dissipation ebbing eclipse evanescence evaporation fading loss melting passing receding wane wearing away accomplishment achievement adjournment attainment bottom line cease cessation close closing closure conclusion consequence consummation culmination curtain denouement desistance desuetude determination discontinuance execution expiration expiry finale finis finish fulfillment issue last word omega outcome payoff perfection realization resolution result sign-off target termination terminus upshot windup wrap-up death demise leave-taking offgoing cancellation disappearance end Retirement heavy slow slack blah dopey down inert leaden off stiff sullen torpid drippy pokey draggy mooney alert busy fast afraid averse demure diffident disinclined hesitant hesitating humble indisposed late loath modest reluctant reserved retiring shy sluggish tardy timid uneager unwilling wavering backward behind schedule behind time behindhand belated delayed dilatory have to play catch up in arrears laggard overdue anesthetic cold coldhearted dull impassive indolent insensible insensitive languid lazy lifeless listless passionless spiritless unemotional unkind dead dead to the world drowsy drugged hebetudinous inconscious lethargic out out cold out to lunch senseless sleepy slumberous somnolent soporose stupefied stupid stuporous vegged out blockheaded boorish doltish dumb fatheaded ignorant imbecilic numskulled oafish obtuse phlegmatic simple slow-witted stolid thick dallying delaying deliberate lax leisurely lingering loitering moratory neglectful negligent putting off remiss snail-like tarrying time-wasting unhasty unhurried behind bloodless comatose dense Sluggish set dull basic regular common normal routine staple formal banal trite typical usual extra unusual rare goods supply fund store reserve cache assets variety wares choice range produce array hoard backlog debt fact fowl herd swine cattle flock horses sheep beasts hogs pigs cows lineage descent family tribe house breed kindred strain race kin clan line type species folk property share funds paper capital bonds count figure review trust hope truth sell handle carry equip fill amass gather keep have save lay in use take spend give waste accession accretion addition agglomeration aggrandizement aggregation amassment augmentation build-up chunk collecting collection conglomeration enlargement gob growth heap hoarding hunk increase inflation intensification mass multiplication pile quantity stack stock trove upping ancestor antecedent antecessor blood breeding derivation extraction forebear forefather foregoer foremother forerunner genealogy heritage origin parentage pedigree precursor primogenitor progenitor source ancestry forebears forefather/mother appraisement assessment estimate evaluation opinion pricing rating reckoning survey valuation average classic clichéd conventional exemplary hackneyed model most characteristic paradigmatic prime quintessential representative standard stereotypical textbook armory depository depot dump factory magazine ordnance plant repository stockpile storehouse warehouse accumulation antecedent(s) appraisal archetypal arsenal Stock retail display vend barter buy admirers assemblage assembly congregation crowd devotees fans following gallery gathering hearers house listeners market moviegoers onlookers patrons playgoers public showgoers spectators theatergoers turnout viewers witnesses exchange exposition fete marketplace mart Mom and Pop cartel concern corporation establishment factory firm fly-by-night operation institution megacorp mill monopoly organization outfit partnership setup shoestring operation shop store syndicate trust venture affairs bargaining buying and selling capital and labor commercialism contracts deal dealings free enterprise game industrialism industry manufacturing merchandising racket sales selling trading traffic transaction undertaking acquire bargain for barter for contract for get get in exchange go shopping invest in obtain pay for procure purchase redeem score secure shop for sign for take capital city club concourse crossroads focal point focus heart hub mall meeting place metropolis nerve center plaza polestar shopping center social center station town trading center audience bazaar business center ebb blockade privacy shelter solitude retreat hiding abandoning abandonment abolishing abolition abrogation annulment canceling deletion dissolution dissolving elimination invalidating invalidation nullification overruling quashing recall recalling repeal repudiation retirement retracting retraction reversal reversing revocation revoking undoing withdrawing adieu bow out congé decampment desertion egress egression embarkation emigration escape evacuation exit exodus expatriation farewell flight getaway going going away goodbye hegira migration parting passage powder quitting recession removal sailing separation setting forth setting out stampede start takeoff taking leave taking off vacation vanishing act walkout withdrawal absconding apostasy avoidance backsliding betrayal castoff defecting departing departure derelict dereliction disaffection disavowal disavowing divorce elusion evasion falling away falseness forsaking going back on leaving marooning perfidy recreancy rejection relinquishment renunciation resignation running out on secession tergiversation treachery truancy ceasing to exist decline and fall dematerialization disappearing act disintegration dispersal dissipation ebbing eclipse evanescence evaporation fading loss melting passing receding wane wearing away accomplishment achievement adjournment attainment bottom line cease cessation close closing closure conclusion consequence consummation culmination curtain denouement desistance desuetude determination discontinuance execution expiration expiry finale finis finish fulfillment issue last word omega outcome payoff perfection realization resolution result sign-off target termination terminus upshot windup wrap-up death demise leave-taking offgoing cancellation disappearance end Retirement retaining rescuing wasting sparing careful frugal contingent provisional chary prudent thrifty attention care cherishing conservancy conserving control custody directing economy governing guardianship guarding keeping maintenance management managing preserval preserving protecting protection safeguarding safekeeping salvation saving stewardship storage supervising supervision sustentation upkeep cutback decrease decrement downsize fall lessening lowering reduction acquittal delivery emancipation extrication freeing redemption release rescue avaricious canny circumspect close closefisted cost-effective curmudgeonly efficient meager mean methodical miserly money-saving niggardly on the rims parsimonious penny-pinching penny-wise penurious practical provident prudential scrimping skimping spare stingy tight time-saving unwasteful watchful work-saving able accomplished active adapted adequate apt businesslike capable clever competent conducive decisive deft dynamic economic economical effectual efficacious energetic equal to experienced expert familiar with fitted good at good for handy masterly organized potent powerful practiced productive proficient profitable qualified ready shrewd skilled skillful systematic talented tough useful valuable virtuous well-organized apart from aside from bar barring besides but excepting excluding exclusive of exempting if not lacking leaving out minus not for omitting outside of rejecting save short of with the exception of without conservation cut deliverance except depart remove retreat revoke ebb recede resign secede part exit yield regress decamp repeal rescind get off turn in go away stay join begin enter abandon abjure abnegate bag it bail out cede demit drop forgo give up leave leave high and dry leave holding the bag leave in the lurch opt out quit quitclaim relinquish renounce retire sell out step down surrender vacate waive withdraw backtrack drive back fall back repel repulse retract reverse turn tail beat it begone hightail kite make oneself scarce remove oneself scram skedaddle split take a hike take off vamoose deactivate demilitarize make inactive shut down shut off abdicate absent blast off cut and run cut out desert disappear emigrate escape evacuate get away git go forth hit the bricks hit the road hit the trail make a break march out migrate move on move out perish pull out sally forth say goodbye set forth shove off slip away start start out take leave tergiversate troop vanish abscond be done for be gone be lost be no more be swallowed up cease to exist clear come to naught dematerialize die die out disperse dissipate dissolve drop out of sight end end gradually evanesce evanish evaporate expire fade fade away flee fly go south leave no trace melt melt away pass pass away sink take flight wane back clear out decommission Retire leading elder major chief higher minor junior behind head ancient oldster doyen doyenne first year student grad student graduate student senior sophomore undergrad undergraduate student President administrator authority dignitary ecclesiastic guide lead legislator pilot principal professor tack earlier first-born more mature older ancestor forebearer golden ager matriarch old fogey oldest patriarch senior citizen superior veteran above better big considerable dominant exceeding extensive extreme greater hefty large large-scale larger main most oversized primary sizable supreme ultra upper uppermost aged along in years broken down debilitated decrepit elderly enfeebled exhausted experienced fossil geriatric getting on gray gray-haired grizzled hoary impaired inactive infirm mature matured not young olden oldish over the hill past one's prime seasoned senile skilled superannuated tired venerable versed wasted college student dean old Senior seniors retirement income IRA allowance annuity gift grant payment premium retirement account reward social security subsidy subvention superannuation support alms benefit program government assistance public welfare relief program social insurance social program welfare program pension entitlement program Social Security civil cordial group general common nice amusing polite popular aloof unusual cool rare private communal gathering harvest party social work party accepted coincident collective communal communistic community commutual congruous conjoint conjunct constant corporate correspondent customary generic in common intermutual joint like mutual prevailing prevalent public reciprocal shared socialistic united universal usual well-known widespread affable amicable buddy buddy clubby complacent congenial conversable convivial cozy cozy with familiar genial good-natured gregarious intimate mellow neighborly outgoing pally palsy sociable tight tight with adapted agreeable amical companionable compatible complaisant consistent consonant cooperative delightful favorable fit good-humored gracious happy harmonious jovial kindly kindred like-minded pleasant pleasing regular fellow right neighborly suitable sympathetic well-suited affectionate buddy-buddy cheerful earnest glowing heart-to-heart heartfelt hearty invigorating palsy-walsy red-carpet responsive sincere tender warm warmhearted welcoming wholehearted ball brawl disco formal hoedown hop jump masquerade mingle prom promenade shindig sock hop bee dance Social socials freedom bond care pledge pawn guard defense promise asylum surety custody shield compact armor bail refuge warrant shelter earnest ward retreat pact cover token aegis harm hurt injury danger peril worry break calm ease doubt trouble accomplishment achievement allowance annuity award benefit bonus commission dividend donation earnings fortune gain gift grant income increment inheritance net premium prize proceeds profit remuneration return reward riches salary security wages wealth winnings ballast bower comfort fastener foothold grapnel grappling iron grip hold hook kedge mainstay mooring mud hook pillar protection safeguard staff stay support ammunition arms gun hardware heat material materiel munitions ordnance weaponry bulletproof vest mail plate sheath affirmation assertion declaration guarantee insurance lock lock on oath profession rain or shine shoo-in sure thing vow warranty word word of honor aggressiveness aplomb arrogance assuredness audacity boldness bravery certainty certitude conviction coolness courage effrontery faith firmness impudence nerve poise positiveness presumption self-confidence self-reliance sureness temerity trust acquisition anchor armament(s) assurance Security credit advance trust floater lend stake score allow touch mend stop accommodation allowance bite deposit down payment front money hike increase loan prepayment retainer rise take furnish pay provide balance bond capital outlay continuance debenture extension installment buying installment plan lien mortgage on account on the arm on the cuff plastic respite securities stock surplus cash tab wealth amount assessment bottom line budget charge consumption debit debt decrement deprivation disbursement duty expenditure forfeit forfeiture insurance investment liability loss obligation out of pocket outdo outlay output overhead payroll price price tag rate responsibility risk sacrifice spending sum surcharge tariff toll upkeep use value worth costs funding matching funds outgo payment back bankroll buy into buy stock devote endow endue entrust get into go in for imbue infuse lay out pick up the tab plow back into plunge put in put up dough salt away sink spend supply expense financing invest Loan asparagus tumblr blog awesome random slowness slow loann loannn mugged robbed snatched taken stolen adviser expert doctor aide director tutor mentor lawyer coach attorney referee monitor helper counsel teacher kibitzer priest tout judge partner guide friend tipster foe Dutch uncle authority backseat driver buttinski clubhouse lawyer confidant consultant counselor instructor quarterback righthand person second-guesser advisor freelancer master maven pro specialist veteran guru maharishi mystic spiritual guide spiritual leader swami advisors advisory board authorities cabinet council experts high-level advisers inner circle spiritual teacher brain trust fiscal banking numeric pocket numbers across the counter bartering commissary economic exchange financial for sale in demand in the market market marketable mercantile merchandising monetary pecuniary popular profit-making profitable retail retailing saleable sales supplying trade trading wholesale wholesaling budgetary commercial money capital cash fraud hoax deceit racket sham sting con hustle hosing honesty truth contrivance device dodge expedient gambit gimmick machination maneuver play ploy ruse savvy scam stratagem subterfuge tactic wile betray bluff burn cheat chisel deceive delude double-cross dupe entice exploit finesse flimflam gyp have hoodwink impose on jockey juggle lure manipulate mislead play for a sucker rook rope in seduce shave snow stick string along suck in take take in trick artifice baloney bamboozlement bill of goods bunco chicanery con game cover up cozening deception dirty pool dirty trick double-dealing fake fast one fast shuffle fix frame hanky-panky hoaxing humbug imposture jazz jive plant put-on rip-off run around sell shady deal shell game snow job spoof stunt swindle trickery whitewash wrong bamboozle beat beguile bilk bleed caboodle cozen crib cross defraud diddle do a number on double-deal fast talk finagle fleece fudge give bum steer gouge hose jerk around milk pull one's leg ream rip off sandbag screw shaft short shuck skin stiff sucker take for a ride take out trim two-time victimize bait and switch cahoots complicity connivance conspiracy craft diddling flam fradulent artifice graft guilt guiltiness intrigue plot scheme skunk beat out of buffalo circumvent clip cross up disappoint ensnare entrap falsify fool gull hook impose upon lead on outwit play joke on pull fast one put on rob take advantage of take for take for ride take to cleaners collusion Scam hypocrite trickster impostor rascal crook swindler rogue charlatan quack decoy jockey bluff sharper shyster deceiver chiseler defrauder fake pretender cozener enticer inveigler shark scammer dodger conniver mouthpiece cheater forger thief clip cheat operator sharp grifter rook fraud mechanic gouger slicker philanthropist hustler con man bilker bunco fleecer hoser sharpie bilk dynamo con artist confidence operator double-crosser double-dealer masquerader ambulance chaser crooked lawyer pettifogger unethical lawyer absconder confidence artist counterfeiter falsifier four-flusher mountebank scoundrel barricuda clip artist flimflammer scam artist smoothie confidence man Scammer scam hoax deceit graft cheat fake sting racket sell string song skunk craft line hustle swindle guile smoke sham con dupery chicane duping honesty reality fairness openness truth justice forger crook bastard phony quack shark hoaxer bluffer apish artificial assumed awkward campy chichi conceited contrived counterfeit counterfeited faked false feigned fraud gone Hollywood ham hammy high falutin' hollow imitated insincere melodramatic ostentatious overdone pedantic playacting pompous precious pretended pretentious put-on schmaltzy self-conscious shallow simulated spurious stiff stilted studied superficial theatrical unnatural bluster braggadocio bragging bravado deception delusion facade false colors false front feint front humbug jiving lie pretense pretext ruse show snow stall subterfuge trick con artist imposter mountebank pretender rip-off artist artifice baloney bamboozlement bill of goods bunco chicanery con game cover up cozening dirty pool dirty trick dodge double-dealing fast one fast shuffle fix flimflam frame gyp hanky-panky hoaxing imposture jazz jive plant rip-off run around shady deal shell game snow job spoof stunt trickery whitewash wrong cheating deviousness dishonesty double-crossing duplicity fourberie furtiveness gambit intrigue machination maneuver plot ploy sharp practice skullduggery sophistry stratagem surreptitiousness underhandedness wiles bluff crime double-cross dupe gold brick mockery take in affected charlatan Fraud Student debt scholar pupil junior graduate observer learner novice skill docent disciple grad teacher academician lecturer professor scholastic student tutor amateur beginner flunky greenhorn heel neophyte new kid on block newcomer novitiate probationer rook rookie starter tenderfoot tyro abecedarian apprentice buckwheater catechumen colt fish fledgling greenie initiate new kid on the block new person recruit trainee adherent apostle attendant booster buff bug cohort convert devotee enthusiast fan fanatic fiend freak groupie hound junkie nut partisan proselyte rooter satellite sectary sectator supporter votary witness zealot bookworm cub first of May gremlin know from nothing mark plebe postulant prentice punk academic Student students bill receipt damage due credit deficit capital arrears duty claim invoice chit voucher tab check bite note score debit cuff IOU tally baggage dues in hock red ink asset cash profit excess bad news debt itemized account knock reckoning request for payment statement statement of indebtedness budget deficit compensatory spending debt explosion deficit financing in the red megadebt negative cash flow no assets overspending pump priming ante arrearage assessment charge charges collection contribution custom fee kickback levy liability obligation pay protection rates tax toll albatross ball and chain cross guilt handicap hindrance impediment load millstone monkey on one's back obstruction responsibility saddle thorn in one's side weight worry amount bottom line budget consumption decrement deprivation disbursement expenditure forfeit forfeiture insurance investment loan loss mortgage out of pocket outdo outlay output overhead payroll price price tag rate risk sacrifice spending sum surcharge tariff upkeep use value worth accountability accountableness amenability amenableness blame burden compulsion culpability indebtedness onus owing subjection susceptibility deficit spending encumbrance expense Debt Student Loan student loan credit advance trust floater lend stake score allow touch mend stop accommodation allowance bite deposit down payment front money hike increase loan prepayment retainer rise take furnish pay provide balance bond capital outlay continuance debenture extension installment buying installment plan lien mortgage on account on the arm on the cuff plastic respite securities stock surplus cash tab wealth amount assessment bottom line budget charge consumption debit debt decrement deprivation disbursement duty expenditure forfeit forfeiture insurance investment liability loss obligation out of pocket outdo outlay output overhead payroll price price tag rate responsibility risk sacrifice spending sum surcharge tariff toll upkeep use value worth costs funding matching funds outgo payment back bankroll buy into buy stock devote endow endue entrust get into go in for imbue infuse lay out pick up the tab plow back into plunge put in put up dough salt away sink spend supply expense financing invest Loan asparagus tumblr blog awesome random slowness slow loann loannn mugged robbed snatched taken stolen Dalton Bennett bennett finish score win manage reach attain hit e
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