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It is important to diversify your types of investments. If you are consistent and careful with your investments, you will reach a point when your investments generate more income than you do.

That is the ultimate goal! As you draw closer to retiring, you will want to change the way you invest.

It is important to have safer investments that will not be as affected by the market swings. Target funds, such as the Thrift Savings Plan Target Funds , are a great choice for this because they automatically adjust your holdings for less risk.

It may be easier to start small, rather than immediately jumping into the deep end. For example, instead of saving half your paycheck at once, start saving in small increments.

Same with investing. Start small with automatic contributions and build from there. But stick to the steps outlined in your plan and you will reach those milestones in no time.

This could be starting a new job or having a medical emergency. Also, your goals might change. Be flexible and adjust accordingly. Or, you might have a very unique situation and want professional help.

Financial Planners are Financial Advisors who have expertise in financial planning. They provide an accurate gauge of your overall financial situation plus advice on achieving your financial goals.

They help you create the most tax-friendly plan that benefits you. These certifications ensure that the advisor has received the proper education and experience in the financial planning field.

There are many designations but all require registration with their respective State to provide financial advice.

Advisors have an overall understanding of financial planning, but a majority specialize in specific financial fields. For example, an advisor may work only with those close to retirement, while others might work with X or Y generation clients.

You want to make sure that your advisor understands your future aspirations and knows how to work toward them.

It helps you manage your finances and plan for the future. Though making a plan may take some time and dedication, it will pay off in the long run.

I got to thinking how finances and Legos were related — both require a plan and foundation. Learn how to build your finances with Legos — the fun way!

With coronavirus tearing apart our economy, only one thing comes to mind — bears, beets, Battlestar Galactica.

Read on. Your email address will not be published. Save my name, email, and website in this browser for the next time I comment. Notify me of follow-up comments by email.

Notify me of new posts by email. October 2, Share on facebook. Share on twitter. Share on tumblr. Share on linkedin. Share on pinterest.

Share on reddit. Share on email. Create a Financial Plan Create a financial plan. Set your Goals The first thing any financial planner will ask about is your goals.

Build an Emergency Fund One of the central tenets to good financial planning is preparing for the future, whatever it may bring. Net Worth Next, we need to determine your net worth.

Assets Your assets are what you own. Liabilities Your liabilities include your debts. Create an Investing Plan When you create a financial plan, an investing plan is an essential component.

Employer-sponsored retirement plans. Always maximize employee match tax advantage accounts first. Traditional or Roth IRA.

These state-sponsored plans provide tax-free investment growth and withdrawals for qualified education expenses. Conclusion Create a financial plan.

And remember when you create a financial plan, make it your own. Share on whatsapp. Subscribe and have your financial mind blown. Get Educated. June 7, No Comments.

The two doses are identical — both contain 0. Emerging research suggests that taking the two pills at the same time may be just as effective as taking them separately.

Plan B can work for up to hours after unprotected sex, though prescribing guidelines generally recommend starting the dosage within 72 hours of unprotected sex.

The earlier a person takes the drug, the better it may work. Also, while no research has specifically studied women who became pregnant after using Plan B, there is no evidence that taking any progestin-based birth control method increases the risk of abnormalities in fetal development.

Most research on Plan B is somewhat dated. Whether Plan B can successfully prevent pregnancy depends, in part, on how soon a person takes it and the stage of their menstrual cycle.

Plan B may be less effective in people who weigh more than pounds. However, very little research supports this idea.

Also, the drug poses no additional risks to people who weigh more than this, so it is likely still worth considering. Most people who take Plan B do not experience bleeding, but it does happen.

A study involving participants found that However, a person should not expect to experience very heavy bleeding after using Plan B — even days or weeks later.

Some people believe that heavy bleeding is a common side effect of Plan B. This is not true. The belief may stem from the misconception that Plan B causes an abortion.

In fact, Plan B does not cause pregnancy loss or the bleeding that can accompany it. People who frequently use Plan B may find that their periods become irregular.

This is because the progestin can disrupt the natural menstrual cycle, and it can take about 1 month for the body to readjust. If a person relies on emergency contraception regularly, they may benefit from switching to a form of birth control that does not involve taking daily pills, such as an intrauterine device, or IUD.

Side effects of Plan B are similar to those of other birth control pills. The FDA have reported that, according to results of trials, the most common side effects include:.

Hormonal contraceptives are not safe for everyone. However, the effects of single-use emergency contraceptives, such as Plan B, are not the same as the effects of long-term use.

Still, people for whom taking hormonal birth control is unsafe should consult a doctor or pharmacist before taking Plan B. No research has linked any deaths to the use of Plan B.

In the weeks after taking Plan B, light spotting between periods or a heavier flow are not typically a cause for concern. However, if these issues do not go away within a month or so, something other than Plan B may be responsible.

Heavy bleeding and intense pain can signal a serious underlying condition, such as endometriosis. Also, heavy bleeding can indicate an early miscarriage.

A healthcare provider should assess all heavy bleeding. If the bleeding results from pregnancy loss, the doctor may recommend surgery to remove remaining tissue.

If Plan B is ineffective, pregnancy can occur. A healthcare provider can describe further options, and it is best to consult them as soon as possible.

If a woman decides to remain pregnant, seeking advice early can ensure that she receives the best prenatal care.

If a woman decides to have an abortion, it can involve taking a different kind of pill. Doctors refer to this as a medical abortion.

Laws within the United States vary , and a woman may need to take the pill in the presence of a healthcare provider. Another option is a surgical abortion.

These tend to take place within the first trimester — within the first 12 weeks of pregnancy. If a woman has a surgical abortion during the second trimester, the procedure may be more complicated and expensive.

If a woman in the U. To receive Medicaid, a woman must apply and receive approval. Plan B is a method of emergency contraception — a person usually takes it after having unprotected sex.

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