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As a young adult, you may find yourself working your first job

(NewsUSA) – As a young adult, you may find yourself working your first job, and enjoying your first apartment and first car.And while retirement planning may be the farthest thing from your mind, it shouldn’t be. 


Take some smart steps now, and you can reap the benefits later, with more money and resources than you might think possible."Saving and investing for your future is one of the most important things you can do," says Charles Sachs, CFP®, a CERTIFIED FINANCIAL PLANNER™ professional .These tips from a CERTIFIED FINANCIAL PLANNER™ professional can help:Pay it forward. One of the easiest ways young adults can save for retirement is to invest in a 401(K) plan offered by an employer.When you sign up for an automatic contribution, the money comes out of your paycheck before you see it, so you won’t miss it now, but you will appreciate it later after it has grown over time.


Two other reasons to take advantage of a 401(k)? The extra funds earned if your employer matches your contributions (though not all employers do this) and funds saved because the money you put in a 401(k) is tax-deferred, which means it reduces your taxable income until you withdraw it in retirement.- Pay it back. Another way to get a head start on a secure financial future is to set financial goals and prioritize early, according to CERTIFIED FINANCIAL PLANNER™ professional Douglas Boneparth, CFP®."Know who you owe money to (government or private loans), how much you owe and the interest rates associated with each loan. Educate yourself and don’t be in denial," he says."Take a look at your pay stub and start to understand all the different things that are withheld from your paycheck such as taxes, health insurance premiums and 401(k) contributions. 


What you end up with — your ‘net’ — is the money you actually have to build your budget," Mr. Boneparth explains.Decide how to spend what’s left. For many young adults, that includes paying off student loans, but also could involve saving for a house or for further education.A CFP® professional can provide guidance and advice as you consider these points in retirement planning: What do you want? When do you want it? How much will it cost?Visit LetsMakeAPlan.org for more advice and tips to get in on the ground floor of smart money management and building wealth for retirement. 

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Although COVID-19 continues to grab the health headlines

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( NewsUSA )  – Although COVID-19 continues to grab the health headlines, women in particular should not lose sight of a chronic problem — heart disease.Heart disease is the number one killer of women, but many women, whether they are wives, mothers, CEOs, or all of the above, tend to put others’ health and well-being ahead of their own, and may ignore symptoms.  Symptoms
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FEEDS!

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" He’ll Be Waiting" by Liz AltermanWhen Tess Porter agrees to pick up her boyfriend’s college pal at the airport on a snowy December night, she has no idea she’s about to embark on the most dangerous ride of her life. Two days later, the 17-year-old wakes up in a hospital with broken bones, unable to remember how she got there.Her parents are acting strangely, and neither James, her boyfriend, nor her best friend Izzy has visited. As she struggles to physically recover, Tess wrestles with haunting questions: What happened? Will her memory ever return? And what if she’s better off not recalling any of it? Purchase at  https://amzn.to/2PtOUHi .
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After a year like no other, we are beginning to see glimpses...........

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( NewsUSA )  – After a year like no other, we are beginning to see glimpses of a return to our pre-pandemic lives. Public health guidance and scientific advances mean we are trickling back into our favorite restaurants, joining together to share meals, and toasting to a year of missing family and friends.But these celebrations come with their fair share of greasy foods and bubbly beverages. And unfortunately, our favorite indulgences often bring an all-too-familiar side effect: heartburn.Also known as acid reflux, heartburn can be a miserable experience:  the burning sensation in your chest or throat may start after finishing a meal and last for hours afterwards.  Other symptoms can include a hot, sour, or acidic fluid feeling in the back of your throat, as well as a lingering cough, sore throat, or hoarse voice. May is Digestive Disease Awareness Month so it’s a great time to learn about self-care for heartburn.If you experience heartburn, you’re not alone: more than one...
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