Are you still using or anticipating using the four percent retirement rule? Maybe you ought to think twice before doing so. This rule was a great rule of thumb when it was created in the mid-90s up until about 10 years ago. Then interest rates plummeted, and with them, the efficacy of the four percent withdrawal rule.
Excuses. Excuses. Excuses. Do you use them when justifying not purchasing Disability Insurance? If so, here is a compilation of popular excuses, and why these excuses, once looked at a little closer end up to be largely unfounded.
Should I use the term “disabled person” or a “person with a disability.” Our first inclination is to use the former, which is called Person First language. However, there are many people who prefer “disabled person”; this word structure denotes Identity First language. Both sides of the debate have interesting points explained here.
Do you fit the Millennial Generation stereotypes that are proliferated? Probably not. This is not a one-size-fits-all generation any more than any other generation. Take a look at some of the surprising Millennial stats that illustrate this generation’s complexity and diversity.
96 percent of all illnesses are invisible. This includes hidden disabilities. So before you call your co-worker lazy for clocking out early, consider the fact that they may be suffering from a hidden disability such as debilitating pain, a sleep disorder, or hearing and vision impairment.
Time to worry? Recent studies of mental health on college campuses has indicated that there is a growing segment of college students who show signs of mental illness. Oftentimes, there are many resources that troubled students have access to, but they often don’t due to the feeling that they are “weak” or “crazy.”
Thank goodness alternative stress reducers are keeping pace with stressors, even stressors you may be overlooking. Take a couple of minutes to massage your ears and help relieve yourself of those horrible stress hormones. Learn other alternative stress reducers and unexpected stress creators.
Don’t miss out on a great way to ease the financial strain faced by people with disabilities by creating tax-free savings accounts, a 529 ABLES. These savings accounts do not replace benefits provided through private insurance, Medicaid, or supplemental security income.
Even the most well-purposed people may fear accidental insensitivity when interacting or communicating with people with disabilities. For those who doubt themselves, these disability etiquette tips will help you gain confidence and create quality human connections with all people.
Yes, it may be difficult to believe, but there are disadvantages to early retirement. For those with the luxury of a choice, no one would blame you for retiring early, but at least consider these five common disadvantages. This way you could be fully prepared if one occurred during your early retirement.