On this seven-night voyage, guests will have the opportunity to attend lectures and interact with several World War II veterans, hearing first-hand about their experiences during the war. These distinguished war heroes will engage in discussions and Q&As, giving guests a very personal glimpse into the human elements of wartime service.
A special new feature on this crossing will include veterans from the Korean, Vietnam, Iraq, and Afghanistan wars.Discover more »
Special guests on board.
Some of the participating veterans scheduled to be on board will include:
Steven Melnikoff, 102, experienced the full horrors of Omaha Beach, when he served in 1st Battalion, 175th Regiment of the 29th Infantry Division and earned three Bronze Stars and two Purple Hearts for his service.
Louis Bourgault, 97, enlisted in the U.S. Marine Corps on June 1, 1942. Patriotism was the reason he signed up to join the military at 17. Bourgault experienced combat operations in Bougainville, Guam, and Iwo Jima during World War II, and spent 15 years in the Coast Guard auxiliary.Irving Locker, 97, U.S. Army was assigned to the 116th A.A.A. Gun Battalion that landed on Utah Beach on June 7, 1944, fought in the Battle of the Bulge with the 1st Army’s 7th Corps, and played a role in liberating the Gardelegen Concentration Camp.
James Blane, 98, Corporal of the 4th Marine Division of the United States Marine Corps and served in the battles of Kwajalein (Roi-Namur), Saipan, Tinian, and Iwo Jima.
Jeremy Hubbard, current co-anchor of FOX31 Denver News will join the voyage and act as a moderator of the panels and lectures. Prior to joining the FOX31 Denver News team, Hubbard, a native of western Colorado, worked as a New York-based correspondent for ABC News where he contributed and reported for all ABC News broadcasts including Good Morning America, World News with Diane Sawyer and Nightline.
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You don’t need to start out rich to retire with seven figures.
In the United States, there are now a record-breaking 157,000 people who have saved $1 million or more in their 401(k) accounts. A 401(k) is a type of employer-sponsored retirement account that many Americans have through their jobs.
The problem is that the majority of U.S. workers don’t have access to such a plan, according to a recent survey from Pew Charitable Trusts.
Here’s something else that might surprise you. Individual Retirement Account (IRA) millionaires are more common than 401(k) millionaires.
About 500,000 people have IRAs with a value between $1 million and $2 million, according to the General Accounting Office, which studied the impact of the tax break given to IRA holders on the federal budget in 2014. GAO used 2011 tax data.
Here’s what’s cool about that number of millionaires. An IRA is a retirement account just about anyone earning an income can set up.
Individual Retirement Account (IRA) millionaires are more common than 401(k) millionaires.
401K vs IRA millionaires
Granted, it’s probably easier to save $1 million or more in a 401(k) than an IRA. A 401(k) lets you put away more money–up to $18,500 if you’re under 50, and an additional $6,000 if you’re over 50. And many employers provide a match on funds their employees put away. All that can really add up over time.
IRAs are available to most people who earn an income, letting you put money away in an investment account on a tax-favorable basis. Since there’s no one matching your contributions (and you aren’t allowed to contribute as much as a 401(k)), you may have to save more aggressively over time to get to your magic number.
Quick lesson: What’s an IRA?
There are two types of IRA. Let’s start with the traditional IRA.
It’s funded with your pre-tax dollars, so the money you contribute to your traditional IRA can lower your annual tax bill.
As we said earlier, there are annual limits to what you can contribute. You can put up to $6,000 away each year. Once you’re age 50 or older, you can contribute up to $7,000 annually.
After age 59 ½, you can take money from the account with no penalties. By age 70 1/2 you’re actually required by the IRS to start taking money out of your account. This is called a required minimum distribution (RMD).
An RMD is the amount you must withdraw from your traditional IRA starting at age 70 ½. The amount is determined by an IRS formula that comprises life expectancy and account value.
Roth IRAs
The other type of IRA is a Roth IRA. You fund a Roth with the money you’ve already paid taxes on (your net income). Once you’ve funded the account, your earnings can grow tax-free.
Roth IRAs also have yearly contribution limits, meaning you can only put in $6,000. However, like a traditional IRA, if you’re 50 or older, you can contribute up to $7,000.
When you’re age 59 ½, you can access this money without paying a penalty. Unlike a traditional IRA where you are required to begin taking money out of your account by age 70 ½, you can keep adding to your Roth IRA for as long as you like.
The power of compounding and your IRA
Even saving small amounts of money can add up over time, thanks in part to something called compounding. Compounding is earning money on your money, it’s any return earned on your principal, plus your past returns.
For example, if you have money in a bank account, it’s the interest on that sum plus the past interest it has earned over time. If you have money in an investment account, it’s the percentage you may earn on top of your original investment, plus its previous earnings.
Here’s an example of what compounding looks like, if you put aside $50 a week, or $200 a month for the next 30 years, earning 5% annually. You’d have $159,669. With interest and compounding, that’s more than double the $72,050 of principal you put away.
Make a plan to become an IRA millionaire
If you have a 401(k) through your employer and haven’t set one up, now’s the time to do it. You could be losing out on matching contributions that can really add up over the years.
You can also set up an IRA in addition to your 401(k). The power of compound interest working in two retirement accounts can increase your chances of getting to your magic number
No 401(k)? Anyone can set up and contribute to an IRA. Check out this retirement calculator and learn more about how much you can put aside to get to your million dollar goal.
And that’s how you can really increase your seven-figure retirement chances.
Not everyone will get to the $1 million mark. That’s okay. The important thing is that you try to work saving into your budget and make it a regular part of your financial life.
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