Most of us dream of being able to retire comfortably after years of working hard. Like most things in life, retirement needs to be planned ahead of time. By taking the time now to get ready for retirement, you will face significantly less stress when the time finally does come!
Create a Game Plan
“If you fail to plan, you plan to fail.” This saying absolutely goes for retirement planning! You need a game plan, and it is never too early to create one. Ask yourself what your retirement goals are. Are you planning on living in the same size home, or a smaller one? Do you see yourself traveling frequently? All of these factors come into play when deciding your retirement game plan.
Have An Emergency Fund
The Motley Fool suggests having emergency fund with about six to 12 months’ worth of living expenses, including any rent or mortgage payments, food, utilities, transportation, taxes, insurance, and any other monthly payment obligations. You simply never know what life will bring, and it is imperative to have an emergency fund in place so that you don’t have to dip into your retirement funds early!
Besides investing in 401K through your workplace, you should be making personal investments. This could be investing in a company that you take a special interest in, or becoming a first time investor! Investment apps like Acorns or Digit make it easy to allow you to make small, automatic deposits into accounts. These accounts can potentially blossom into a full-fledged nest egg if you continue to allow it to accrue.
Address Your Spending Habits
While planning for your retirement, you need to look at where you stand financially now, and why that’s the case. Look through your bank records from the past year. Are you constantly going over your budget at the grocery store? Are you spending money eating out too many times a week? Address these serious issues now! Find ways to buy foods in bulk, and prepare meals so you’re not stuck going out to lunch everyday on your lunch break.
Retirement may be the absolute last thing on your mind. However, that does not mean you can’t still be preparing for it. By creating a game plan, addressing spending habits, investing and having an emergency fund, you are setting yourself up for success when it comes time to retire.
When spring weather thaws the frozen earth, Mother Nature begins to bloom into life once again. The winter season, no doubt, caused a severe case of cabin fever for the entire family, so it’s time to shake off the winter funk with these five spring activities to keep you and your family active and in shape.
It’s hard to find someone who does not enjoy eating delicious food outside. For families that have young children, it can be difficult to combine their love of the outdoors with a healthy meal. Picnics are a great way for you to pack a healthy meal that they can enjoy on-the-go. A healthy meal full of vitamins and minerals is sure to kick their energy up a notch, so be sure to bring games that will burn off that energy.
Spring usually brings weather that’s warm enough to warrant an impromptu adventure in the local swimming pool or water games with the backyard hose. For children that really enjoy playing in the water during warmer weather and don’t have access to a pool, purchasing a specialty water sprinkler designed just for kids to play in would be a perfect way to keep them entertained and introduce a burst of exercise into their day.
Engage in Water Games
If there’s one thing that kids love more than running through water, it’s throwing water at other people to make them join in on the fun. Encourage the children to use safety when getting one another wet by providing them with water balloons. Water balloons are not only a safe alternative to other physical activities but they can also be used in a plethora of different games that can keep the children entertained for hours and provide physical activity to help them stay healthy.
Take the Family Hiking
Spring is the perfect opportunity to pack up a few backpacks full of essential items and drive to a favorite hiking area. Hikes can provide a myriad of health benefits including mood improvement, muscle strengthening, and can reduce the symptoms of common health conditions.
Whichever activity you choose to do, know that the warm weather coupled with a fun activity will be sure to lift everyone’s spirits!
For some people, headaches are a part of everyday life. Others will go through life without ever complaining of a headache. So what exactly are headaches? Although generally described as pain anywhere in the head or neck area, there are specific types of headaches.
Tension headaches are thought of as the least painful of all headaches, although still an annoyance! They’re often caused by stress, but other things such as noise, eyestrain, poor posture, too much caffeine, lack of sleep, or grinding your teeth at night can also cause them. Tension headaches can be avoided by noticing what triggers them and stopping that behavior.
Cluster headaches, which are reported to affect more men than women, are recurring headaches that occur in groups or cycles. Cluster headaches appear suddenly and are characterized by severe, debilitating pain on one side of the head. They are often accompanied by watery eyes and nasal congestion or a runny nose on the same side of the face.
Sinus headaches occur when the sinus passages behind your eyes, nose, cheeks, and/or forehead are congested. Congested with what? Many people think it is snot, but really it is inflamed blood vessels that cause the congestion. A sinus headache can be felt on either or both sides of your head. Pain or pressure is felt not just in your head, but anywhere in the sinus area. Sinus headaches can happen seasonally if you have allergies, or only occasionally when your sinuses become triggered for some other reason.
Migraines headaches are some of the hardest types of headaches to live with. They usually begin with an intense, throbbing pain on one side of the head, which may spread. They are often accompanied by nausea and/ or vomiting. This type of headache can last from a few hours to several days. People suffering from a migraine may be sensitive to light, smells, and sound. Web MD says that for some people, a warning sign, called an aura, comes just before a migraine attack. It can be a set of visual symptoms, like seeing flickering lights, blind spots, or zigzag lines, or other signs like numbness in a limb or a strange smell.
Although headaches are both a literal and figurative pain, the better you understand them, the better equipped you are to deal with them. Whether it be a sinus headache or a migraine headache, take appropriate measures, including consulting your physician, to ease your pain until the headache passes.
About Alexander Gladney
Alexander Gladney is Senior Vice President and Chief Legal Officer at Capital Health, a leader in progressive, quality healthcare services. Specializing in corporate, real estate, contract, and voting rights law, Alexander is licensed to practice law in both Pennsylvania and New Jersey. Alexander has a broad legal background with a unique combination of contractual, information technology, transactional, and litigation legal experience.
In September 2008, Alexander Gladney joined the Capital Health team in the office of General Counsel. In recognition of his outstanding work, he was quickly promoted to associate general counsel, during which time he drafted protocols, policies, and contracts. Alexander was tasked with handling complex real estate transaction and high-profile complex litigation cases. Furthermore, Alexander Gladney served as an advisor to management, human resources, and physicians on all legal issues, including public & private contracts, state and federal compliance, conflicts-of-interest, and financial disclosure concerns.
Several years later, Alexander Gladney assumed his current role as Chief Legal Officer and Vice President of Risk Management. Overseeing several departments, he plays an integral role in both the restructuring and realigning of strategic planning, operations, marketing, finance, and regulatory affairs.
Prior to his employment with Capital Health, Alexander Gladney served as a litigation and policy attorney for the New Jersey Department of Public Advocate in Trenton, New Jersey. During this time, he negotiated an MOU with the NJ Attorney General and Motor Vehicle Commission for NVRA compliance, litigated on eminent domain cases, removing the designation of “economic blight” in New Jersey, and drafted briefs and litigation materials for voting rights, homeland security, and healthcare cases.
A graduate of Georgetown University, Alexander Gladney holds a Bachelor of Arts Degree in Economics and Fine Arts. Following his undergraduate education, Alexander attended Temple University School of Law, earning his Juris Doctorate with a focus on Corporate Law.
Capital Health is committed to providing comprehensive, quality healthcare services which improve and sustain the health status of the residents primarily in Central New Jersey and Lower Bucks County. Capital Health assures accessible, compassionate healthcare services that honor the dignity of every person. Capital Health will be a leader in defining the community’s healthcare needs, in providing appropriate solutions, and developing a comprehensive continuum of care including education, prevention, disease management and restorative programs.