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Personal Finance Issues After Retirement
Posted by nick_niesen on November 8th Sione Takitaki Kids Jersey , 2010


Age brings about a number of new expenses. Expenses keep on increasing as the years keep growing. Old age merely brings about a rise in a number of expenses. Visits to the doctor have to be made. Medicines need to be bought. And there are so many more bills. However, even as expenses keep on multiplying, the income with which these bills can be paid remains stagnant. Post-retirement, one has to be dependent on one's pension and on the monies that accrue from the various investments that one has secured for oneself. Given these sources of income Greedy Williams Kids Jersey , it does become difficult to pay for the expenses of daily life.


However, with a little bit of research and some application, one can use the mechanisms of personal finance to add quality to life post retirement. For starters, let us take the case of bank accounts. Now David Njoku Kids Jersey , there are various kinds of bank accounts that people can apply for. But which bank account would be a good choice if one has just retired? Ideally, one should be looking at a bank account that offers a high rate of interest. High interest savings accounts are a dime a dozen these days. Joint bank accounts are worth looking at. Elderly couples often pool their monies together and start a joint account, thus, earning higher interest amounts on a regular basis. Just check with the bank that is nearest to you. Moreover Myles Garrett Kids Jersey , senior citizens are eligible for some other offers that cater specifically to their needs. So anyone who falls into this age group need to be on the lookout for deals like this.


Credit cards are often the knight in shining armor for aged people. After retirement, a lot of people find it difficult to carry on with their earlier standards of living. Thus, many end up running up their credit card debt as they pay for various recurring expenses, with medicines being one of the recurring ones. Now Nick Chubb Kids Jersey , credit card debt cannot be run away from. It had to be settled in the near future. However, senior citizens can approach their credit card providers and try to negotiate a reduction in debt. Many a provider is eager to comply with such requests.


Naturally, leaning on the credit card is not the smartest financial advice that you can get. All the same, you can certainly use the credit card judiciously and let it help you when you are in dire need. For that purpose Denzel Ward Kids Jersey , you must make sure that you are not splurging on any goods and services that are not really required. Of course, it can be argued that every thing is "required. But that is not the way a smart consumer thinks.


Of course, sometimes cash advances and credit card payments are not sufficient. Turning to loans can be quite costly for people who do not have a fixed salary. Things are simpler for people who own property for a secured loan is usually cheaper. However, nowadays Baker Mayfield Kids Jersey , cheap unsecured loans are not such a faraway dream either.

According to the World Health Organization, 4 of the 10 leading causes of disability in the United States and other developed countries are mental disorders, including major depression, bipolar disorder Jarvis Landry Kids Jersey , and schizophrenia. Approximately 23% of American adults each year have a diagnosable mental disorder and as many as 5.4% of American adults have a serious mental illness.

Depression has received increased attention recently because of the growing recognition of itsprevalence. Once misunderstood and stigmatized, depression now is regarded as a biological condition. Management of depressed patients increasingly involves healthcare professionals other than psychiatrists. To assist these healthcare professionals, this article provides a basic description of depression and describes currently available pharmacotherapies for treating depression, including selective serotonin reuptake inhibitors (SSRIs)

Neurostimulation is the next frontier in the treatment of chronic depression. The FDA is expected to approve vagus nerve stimulation as a treatment for chronic depression within the next thirty days. You can learn more about this remarkable therapy at

Vagus nerve stimulation is a ninety-minute out-patient procedure performed by a surgeon. A prescription by your psychiatrist is required. The vagus nerve stimulator is pacemaker-like device implanted in the patient's upper left chest. One lead wire is tunneled underneath the skin and coiled around the left vagus nerve in the neck. It is not related to brain surgery or shock therapy and is more effective than ECT.

Charles Donovan was a patient in the FDA investigational trial for vagus nerve stimulation and depression. He testified to the Panel at the Advisory Meeting on June 15th. After 25 years of chronic depression Odell Beckham Jr Kids Jersey , vagus nerve stimulation completely cured his chronic depression. The author is so grateful and humbled by this remarkable device. He is the founder of the web site.


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