Q: Many employers offer the opportunity to automatically put aside some of your income in a 401(K) plan and match your contributions.  Take advantage of this option to reduce the inconvenience of having to manually make deposits each month.  The method by which you set up automatic contributions will vary depending on your employer.  Talk to your employer’s accounting department to learn more about automatic payments at your workplace. The amount of money you decide to contribute automatically with each pay period is up to you.  The more you  put away each month, the more you’ll have to work with when you retire. In addition to employer-provided plans, put some of your income into other investment or savings accounts like an IRA.  Other retirement plans you might want to invest in include Roth IRAs, rollover IRAs, and Spousal IRAs.  Each type of account has different maximum contribution limits and different levels of taxation for withdrawals and earnings.  Since these contribution limits and taxation levels change frequently and depend on your age, consult a financial advisor for the most current information about the specific individual retirement account you’re interested in. You should be able to make automatic contributions to these individual retirement plans, too.  Talk to your employer’s accounting department for more information. Investing in stocks is a great way to make money.  Talk to a certified broker or financial adviser to get started.  Contact the stockbroker in your area who charges the lowest service fees.  Alternately, use a stock investment app to invest on your own.  Stock brokers usually require an initial investment that ranges from $1,000 to $5,000 USD (or more). You can start investing in stocks through some apps with as little as $5 USD.  Other apps will require larger initial investments.  Some of the most trustworthy stock market investment apps are Stash, Acorns, Betterment, and Wealthfront. Steadily add money to your stock portfolio to grow it over time. Robo-advisors (online services that use algorithms to manage your stocks, mutual funds, or ETF investments) tend to charge less than actively managed funds.  Even if you choose to go with an actively managed fund, choose one that charges the lowest possible investment fees. All stock investment entails some risk, but some investments are riskier than others.  For instance, if you invest in emerging foreign markets or initial public offerings (which are untested and possibly prone to volatility), you could lose your money.  On the other hand, riskier investments tend to have bigger payoffs if they succeed and their price rises.  For a safer investment approach, diversify your investments by choosing a mix of different industries (like tech, automobiles, and construction) and put most of your money in long-term mutual funds and ETFs. There’s no right or wrong way to balance your investment risk levels if you want to retire by 40.  Either a high-risk investment approach or a low-risk investment approach could work. Ethical investing means putting your money into companies whose beliefs align with yours.  For instance, if you’re a vegetarian, you might not want to invest in a fund that includes meat or fish companies. Ask your broker or financial advisor for a full list of the companies you’re invested in.  If you’ve invested through a robo-advisors, the list of companies you’re invested in should be available online.
A: Set up automatic contributions to your retirement savings. Don't rely just on employer plans. Invest in stocks. Avoid high investment fees. Consider your risk level. Invest ethically.

Q: When you look at your monitor, you are essentially staring into a lamp. If you do this for extended periods, you can understand how this would fatigue your eyes. The default windows setting has an incredible amount of bright white areas. Keep in mind that white on a computer monitor is not like white on paper. A computer monitor is white because it's a lamp - a light source.
A: Note that monitors have a backlight.

Q: Before you give away your physical collection it is a good idea to create a digital backup. This will limit the time and money spent rejuvenating your collection via digital downloads. Put each CD in individually and rip the files to your computer drive or a cloud folder. If you're giving away or selling a collection, it's a good idea to peruse through what you have, setting aside the items that are worthy to keep. Although CDs don't yield a high value in the digital age, certain limited run items may be worth hundreds or even thousands of dollars.  This applies to DVDs as well, albeit to a lesser extent. Bootlegged items are seldom seen as valuable, unless the bootleg itself has acquired a certain level of notoriety of its own. Exceptions would include Mayhem's Dawn of the Black Hearts live bootleg. If you have blank or rewritable CDs, you can effectively reuse them by replacing the material that's on the discs. If there are albums you haven't heard much of before, having a physical copy at hand can make it easier to listen to them in certain cases. Burning CDs is also helpful if you want to show someone new music. Notice that copying material and giving or selling without permission from the creator is illegal. Whether via social media like Facebook or message board sites like Craigslist, it's a common thing for people to sell their collections to interested buyers. This way, you'll be able to get some money back from your original investment in the collection.  Sites like eBay are perfect for selling large collections. You can either sell items individually or the entire collection. Selling items individually will give more profit since there are more buyers and much more competition, but the process of organizing and selling the items is more complex.  Don't get your hopes up when it comes to making money off your collection. Because CDs aren't in such high demand anymore, you probably won't get more than a few dollars for each item, with exceptions made for rare discs. If you don't want to go through the trouble of handling money, you might transform your existing collection into an open gift for your circle of friends. Post up a list of what you have, and ask people what they might want from the pile. Set aside items that people are interested in and have already contacted you about them. Not only will this make sure that people are still getting enjoyment out of your old collection, it will boost your overall feeling of happiness and your reputation. Keep in mind that the less desirable items in your collection might not get someone interested, even for free. If this is the case, you can even have it recycled, or ask someone to take them off your hands in exchange for giving them the better discs. Even if it seems like a lot of people are trying to get rid of their collections, there's still a large market for the purchase of CDs and DVDs. Companies like 'Declutter' specialize in buying unwanted items and selling them at a markup cost. You can get rid of some or all of your collection this way. For most of these outlets, the money you make on each item will depend on their rarity and desirability. Because there are so many people looking to get rid of their collections, and because discs aren't biodegradable, there are lots of recycling centers that specialize in processing unwanted CDs and DVDs. If you don't want to sell or donate your CDs, check to see if a recycling center near you processes discs. If one does, you can take your collection over and have them take it off your hands.
A:
Digitize your library. Set aside rare collectible items. Burn material to your CDs. Sell off your collection. Gift your collection to friends. Get in touch with a media resale broker. Dispose of your CDs at a recycling center.