T-Shirts – The New Art Canvas

Nothing can be more gratifying than designing your own T-shirt. Why? because once the design is done you can put your newly created craft on display for all to see and admire. T-shirt art or as I like to call it, wearable art is a great conversation piece and a way to celebrate the times of your life one shirt at a time.Choosing The Art
To start consider what you would like to display on your shirt. Are you an artists, crafts-person or like to dabble and doodle. Just take a digital picture of your work, upload it to your computer and edit. Your work is now ready to print on a transfer.Art Alternatives
If you’re like me you may choose to go online to find some inspiration. Two ways to do this is by Googling t-shirt art and getting hundreds of great ideas that way. Another way to get inspiration is frequenting sites that specialize in t-shirt clipart for download.What You Say?
T-shirts can say a lot about you. How you feel about family, the earth, food, economics, social issues, and friends. When considering the kind of t-shirt art that best expresses who you are consider where you’ll be when wearing your art. While the art, slogan and text can compliment or enhance the event you attend it can also detract from it. Always choose art, slogans and text that’s in good taste.Transfer Paper
Once you’ve found the art you want to transfer to your shirt your next task is to find good transfer paper. If you are transferring art onto a white shirt all that is needed is a transparent transfer sheet. If your transferring onto a colored shirt use colored shirt transfer sheets only.Transferring Your Art
Follow the instructions on the transfer package for perfect results. It is best to practice transferring art on material or an old shirt before actually transferring it on your shirt. It also won’t hurt to experiment with two or three shirts in case the first transfer fails. After some practice you’ll being transferring art to shirts with greatest of ease.Print On Demand Option
While you can find clipart anywhere, much of it is not high resolution art and so may not work well for t-shirt transfer work. Consider using your own digital photos or use art from the professionals. That said, make it a point to download art from sites that specialize in t-shirt art like Zazzle or Cafepress.

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Why Retirement Financial Planning Is Critical

Despite the desire to stop working one day, many Americans do not begin retirement financial planning until they have been working for a number of years. With the high cost of living, it is important for people to begin setting aside money as soon as possible for their lives after they are finished working. A recent study shows that about four out of five full-time employees have access to a company-sponsored 401k or similar investment strategy. On the other hand, more than four out of ten Americans have no pension or long-term savings. No matter your method of saving, there are numerous reasons why you should start today.You Are Going To Live LongerIn 1950, around when many of the baby-boomer generation was born, the average life expectancy for an American was just over 68 years. As of 2010, that number has increased to 78.7 years. So what does life expectancy have to do with retirement financial planning? The longer you live, the more money you will need to survive. In 1950, if you retired at 50, on average you would need enough savings to live for about 20 more years. Today you need enough savings for approximately three more decades.Social Security Is Not EnoughThe average American receiving social security gets about $16,000 per year or around $1,250 a month. For the vast majority of Americans, this is nowhere near enough money to comfortably live on. Furthermore, you cannot begin to receive social security benefits until you are at least 62 years of age. That means if you retire earlier than that, you will have to rely entirely upon your own personal savings, 401k, or pension.Retirees Face Higher Health Care CostsAlong with regular expenses such as a mortgage payment, groceries, insurance, and entertainment, retirees are also faced with the ever increasing cost of health care. On top of health insurance premiums, an American couple of retiring age, say 65, can expect to pay nearly $600 per month on average for routine medical procedures, check-ups, and medications. At age 75 that cost will be over $700 per month.Retiring Should Be EnjoyableSo far we have discussed all of the negatives associated with not having proper retirement financial planning. Now let’s look at what you can do with a secure plan. As mentioned above, people are living longer lives than ever before. This, coupled with no work, means enormous amounts of time for leisure activities. If you are financially secure, this can mean visiting out of town relatives on a regular basis, taking vacations across the country and globe, and even indulging in high-end restaurants on a regular basis.In short, retirement financial planning is a necessity for a healthy, stress-free, and timely retirement. The earlier and more you save, the less you will have to worry in your later years.

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