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A large majority of respondents (89% of savers/79% of non savers) are relying on themselves or their spouses for retirement income. Just over half of respondents expect to receive any Social Security benefits at all. Even so, it clear from the study that even savers are having difficulties establishing a sound retirement plan and one quarter of non savers don have any savings or retirement plans at all.How do you switch from being a non saver to a saver, with 401(k) programs or otherwise? You have to decide that saving for retirement will be a priority from now on.

Polystyrene Backing Polystyrene is available from craft shops in a range of shapes and sizes, from circular discs to large and small squares. In the same way as you did with the cardboard cut out, insert the polystyrene inside the shirt and centralize the design. Pull the fabric taut at the back of the polystyrene and cut away the excess material, leaving enough to secure the fabric in place.

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