Think you don’t need life insurance? Think again.
The cost of a funeral alone can run $11,000 or more. You might also have family members who depend on your income to live. And if you have debt such as a mortgage or private student loans that you wouldn’t want to pass on to your loved ones, life insurance can protect them from inheriting it.
Make financial decisions about your health care while you are healthy. Don't wait until you have a health emergency, when you won't be able to think things through thoroughly.
Forgo the negative emotions keeping you from true forgiveness. Remind yourself that whatever happened, happened, and that there is no reason to drag the past into your future. Lingering on hurtful memories only perpetuates them. Be mindful that forgiveness is a process, not a result, so perform small, daily acts that are reflective of your intent to pardon
In a previous article I wrote with Jussi Askola, one commenter requested an article on smart strategies for Roth conversions of 401(k) funds. Such an account (401(k)) is one type of traditional individual retirement account ('TIRA'). There are quite a few others, such as 403(b) accounts. Here we refer to them all as TIRAs.
Thanks to greatly improved internet connectivity and workforce applications, employees in an increasing number of professions can work just about anywhere they want—in their home, at a coffee shop, on a plane. And chances are they’re more productive and more engaged than they would be if they were in the office. They may even be planning to stay in their job longer because of their flexible work location. In 2017, Stanford economics professor Nicholas Bloom, in a TED Talk, went so far as to call work-from-home potentially as innovative as the driverless car.
An impending psychotic break can be identified and prevented if it is recognized early and appropriate steps are taken to head it off.
We can train our brains to look for the positive, even in stressful situations. Start by identifying things that fill you with anger, bitterness, envy or judgment. Then find comparative things in your own life that bring you joy or fill you with pride and consider how you have been blessed. It may take a few tries, but even if you fail at first, don’t give up. Say thank you for the small things, and mean it.
Rubber summer fun duck. This duck with a red and white float around its neck and a blue swimming cap on its head. This rubber duck is phthalate-free. Squeaking toy, balanced for floating.
