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當多發性硬化症的未來如此不可預測時,談論未來的計劃可能會感到不舒服。但是,前瞻性至關重要,因為根據MS的進展情況,您可能需要提前退休。現在為這種可能性做準備將幫助您增加所需的資源。<br />國家多發性硬化症協會(NMSS)臨床護理宣傳副總裁Rosalind Kalb博士說,有關退休計劃的討論需要早日進行。如果您發現開始對話太困難或導致您或您的伴侶的焦慮,則NMSS可以將您與顧問聯繫起來,後者可以快速啟動計劃過程。<br />優先考慮MS的退休計劃“並非所有患有衰弱性疾病的人都這麼快就退休了,但這就是我所經歷的事情,”每天健康MS博客作者Trevis L. Gleason說,他於2001年被診斷為患有二級進行性MS。從診斷到必須離開專業,我大約有三個月的時間。他回憶說:“我三十多歲,過著幸福的生活,剛剛開始做出有關'正常'退休的重要財務決策。”<br />Gleason承認許多MS患者在事業發展中都從蓬勃發展中生存下來,他提出了以下建議:“如果MS患者能夠繼續工作,那麼確保他們仍然可以使用的任何選擇非常重要。診斷後, [http://sound-directory.com/story.php?title=%EF%BB%BF%E7%8B%97%EF%BC%8C%E5%AD%A9%E5%AD%90%E5%92%8C%E7%99%8C%E7%97%87-%E6%9C%89%E4%BB%80%E9%BA%BC%E8%81%AF%E7%B9%AB- http://sound-directory.com/story.php?title=%EF%BB%BF%E7%8B%97%EF%BC%8C%E5%AD%A9%E5%AD%90%E5%92%8C%E7%99%8C%E7%97%87-%E6%9C%89%E4%BB%80%E9%BA%BC%E8%81%AF%E7%B9%AB-] ,昂貴或無法保證。”<br /><br />CFP,加利福尼亞卡拉巴薩斯州認證金融計劃師,金融服務專業人員協會(FSP)全國前主席,理查德&middot;貝爾(Richard Bell)說,如何利用財務資源維持當前的生活方式,同時為未來儲蓄是很多挑戰。 )。您不僅有可能縮短工作壽命,而且將來有可能花費高昂的醫療費用。一位了解退休後會造成殘疾的理財規劃師可能是一筆巨大的財富。<br />貝爾是金融教育合作夥伴(FEP)的創始人和國家總監,該合作項目由FSP成員通過該項目向NMSS推薦的人員提供免費的財務諮詢。有關更多信息,請與NMSS的MS導航器聯繫。<br />未來費用計劃:賺錢策略退休儲蓄的首要財務目標是立即開始支出少於您的每月收入。您還希望最大限度地利用所有資源並消除任何債務,貝爾說。<br />這是貝爾為退休做準備的提示:<br />積蓄<br /><br /><br /><br /><br />*逐步建立一個三到六個月生活費用的應急基金。<br />*購買可以長期居住的房屋-潛在的交通問題-集中精力在獲得收入的同時還清房屋。除非獲得較低的利率或較短的貸款期限,否則請勿再融資。<br />*最大化退休金。如果這是您的401(k)計劃的一部分,則提供觸發雇主的對等資金所需的金額。<br />*為您的孩子的教育儲蓄比制定一個為您的未來生活開支提供計劃的優先級低。貝爾指出:“您總是可以藉錢來接受教育,但是沒有人會藉錢給您退休。”作為殘障父母,可能會使您的孩子更容易以補助金的形式獲得經濟援助,而不僅僅是貸款。如果您決定節省教育費用,請使用529計劃免稅升值。<br /><br />*將可支配收入用於:<br />*還清任何帶有不可扣除利息的消費者債務。<br />*將您的退休金提高到最高。<br />*支付更多抵押貸款以縮短貸款期限。<br />*將資金投入上門維修和車輛維護/更換基金。<br />*投資共同基金或其他投資選擇。<br />最大限度地利用以下工作收益:<br /><br /><br />*雇主贊助的健康計劃<br />*團體長期傷殘保險<br />*團體或雇主贊助的長期護理保險<br />*團體人壽保險政府福利<br /><br /><br />*如果您正面臨工作即將結束的殘疾,請研究社會保障和殘疾保險福利-如何獲得資格,將獲得多少以及該金額是否受到您所擁有的任何團體和個人殘疾保險的影響。<br />*檢查Medicare以及計劃的費用。<br />*探索您的社會保障退休福利。如果可以將領取福利的時間推遲到70歲,但是您可以在62歲開始領取,您將獲得最大的收益。相關:工作和多發性硬化症的處理方法<br />格里森說:“我告訴人們,多發性硬化症不會竊取您的未來,而是竊取您的預期未來。” “抓住每一個負責任的機會,以便將來可以盡可能地接近您的原始計劃,但是會有所改變。”<br />
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Before providing your vehicle to some shop, understand the charges of fixes. In case you are uncertain about certain things, clarification is needed prior to maintenance are started off. You don't want any uncomfortable shocks once you get your bill.<br /><br />Should you listen to a squealing audio whenever you stage on your own braking system, it is likely that you need new brake pads or rotors. Will not hold out to experience a mechanic check your braking systems. You will have far more injury to fund which is also dangerous to drive your automobile in case your brakes will not be working correctly.<br /><br />In case you are getting job accomplished on your own auto, make sure you get a composed calculate beforehand. The calculate ought to include precisely what is getting restored, the various components that might be needed as well as the predicted charge for labour. It must also say that they may involve your authorization just before undertaking any other work which is higher than the quantity or time specific.<br /><br />Keep a sign that includes information about any routine maintenance that you have possibly accomplished on your auto. To create points easy, place this log in your glove area pack. If you have a concern with the automobile, this info will help the tech determine what is going on far more swiftly.<br /><br />Even though you aren't particularly handy, there are a few Do it yourself repairs that almost anyone are capable of doing. As an example, changing the windscreen wiper rotor blades is very only a matter of snapping off 1 set and snapping on another. Look in your user's manual or utilize a measuring tape to determine what dimensions you want. Don't be dismayed if the shop that you purchase your windshield wiper cutting blades just has one out of the proper dimensions. You should use the one that is undoubtedly an inches shorter about the traveler side of the windscreen without having leading to any troubles.<br /><br />Don't disregard modest irritating appears to be or issues. These small annoyances, like loud brakes, are often low-cost to solve. If ignored, nonetheless, they could typically result in considerably more comprehensive difficulties and dear improvements. Replacing put on brake padding now is much cheaper than the need to substitute the patches, rotors, brake collections, and calipers later.<br /><br />Spin your car tires each and every 6,000 a long way or at each and every other essential oil modify. Spinning your car tires with a set up routine will help guarantee that they dress in uniformly, and so last longer. Your car can also be much easier to drive, as unbalanced wheels can lead to the auto tugging to a single aspect or the other.<br /><br />Don't forget of hunting absurd once you consider your car or truck right into a store. Request a lot of concerns. Be sure to know what is happening. You deserve to determine what is happening with the car, along with a great tech is not going to thoughts your concerns. The skills could come in handy in the future.<br /><br />Keep a basic restoration set inside your automobile trunk area constantly. A simple kit consisting of wrenches, jumper cable connections, screws, along with a jack might be a life saver should your automobile stops working on the road. This will allow you to make modest repairs immediately, helping you save the expense of a high priced pull vehicle.<br /><br />After it is time to bring your automobile in for operate, feel very carefully about whether you would like to proceed to the seller or a nearby repairman. [https://f1chronicle.com/the-1991-formula-1-season-formula-1-history/ 1991 Formula 1 season] is aware the most concerning your distinct type of automobile, nevertheless they typically price the most for that reason. Think about your options and go along with what meets your needs.<br /><br />Trust your gut in choosing a mechanic. The staff in the automobile repair shop will want to look you within the eyes, have you feeling secure, respond to any queries you possess clearly and provide any rates info you require. A store that fails in order to meet these basic requirements almost certainly does not have the best fascination at center.<br /><br />Check out effort costs prior to deciding to permit a mechanic work with your vehicle. You ought to have your technician analyze the problems and examine how much job is going to be needed. Make sure you know the way the auto technician will costs you and also have a administrator present you with an estimate of methods very much labor time is needed as opposed to trusting a professional that is not in charge of providing estimates.<br /><br />Now you are outfitted to produce the decisions correctly when you find yourself faced with vehicle maintenance. While there still is going to be an expense, congratulations, you can seem to be confident that the soccer ball is with you. No more being concerned relating to your following shift alternatively, you are likely to consider charge when it comes to automobile fixes.

Revision as of 10:17, 25 January 2021

Before providing your vehicle to some shop, understand the charges of fixes. In case you are uncertain about certain things, clarification is needed prior to maintenance are started off. You don't want any uncomfortable shocks once you get your bill.

Should you listen to a squealing audio whenever you stage on your own braking system, it is likely that you need new brake pads or rotors. Will not hold out to experience a mechanic check your braking systems. You will have far more injury to fund which is also dangerous to drive your automobile in case your brakes will not be working correctly.

In case you are getting job accomplished on your own auto, make sure you get a composed calculate beforehand. The calculate ought to include precisely what is getting restored, the various components that might be needed as well as the predicted charge for labour. It must also say that they may involve your authorization just before undertaking any other work which is higher than the quantity or time specific.

Keep a sign that includes information about any routine maintenance that you have possibly accomplished on your auto. To create points easy, place this log in your glove area pack. If you have a concern with the automobile, this info will help the tech determine what is going on far more swiftly.

Even though you aren't particularly handy, there are a few Do it yourself repairs that almost anyone are capable of doing. As an example, changing the windscreen wiper rotor blades is very only a matter of snapping off 1 set and snapping on another. Look in your user's manual or utilize a measuring tape to determine what dimensions you want. Don't be dismayed if the shop that you purchase your windshield wiper cutting blades just has one out of the proper dimensions. You should use the one that is undoubtedly an inches shorter about the traveler side of the windscreen without having leading to any troubles.

Don't disregard modest irritating appears to be or issues. These small annoyances, like loud brakes, are often low-cost to solve. If ignored, nonetheless, they could typically result in considerably more comprehensive difficulties and dear improvements. Replacing put on brake padding now is much cheaper than the need to substitute the patches, rotors, brake collections, and calipers later.

Spin your car tires each and every 6,000 a long way or at each and every other essential oil modify. Spinning your car tires with a set up routine will help guarantee that they dress in uniformly, and so last longer. Your car can also be much easier to drive, as unbalanced wheels can lead to the auto tugging to a single aspect or the other.

Don't forget of hunting absurd once you consider your car or truck right into a store. Request a lot of concerns. Be sure to know what is happening. You deserve to determine what is happening with the car, along with a great tech is not going to thoughts your concerns. The skills could come in handy in the future.

Keep a basic restoration set inside your automobile trunk area constantly. A simple kit consisting of wrenches, jumper cable connections, screws, along with a jack might be a life saver should your automobile stops working on the road. This will allow you to make modest repairs immediately, helping you save the expense of a high priced pull vehicle.

After it is time to bring your automobile in for operate, feel very carefully about whether you would like to proceed to the seller or a nearby repairman. 1991 Formula 1 season is aware the most concerning your distinct type of automobile, nevertheless they typically price the most for that reason. Think about your options and go along with what meets your needs.

Trust your gut in choosing a mechanic. The staff in the automobile repair shop will want to look you within the eyes, have you feeling secure, respond to any queries you possess clearly and provide any rates info you require. A store that fails in order to meet these basic requirements almost certainly does not have the best fascination at center.

Check out effort costs prior to deciding to permit a mechanic work with your vehicle. You ought to have your technician analyze the problems and examine how much job is going to be needed. Make sure you know the way the auto technician will costs you and also have a administrator present you with an estimate of methods very much labor time is needed as opposed to trusting a professional that is not in charge of providing estimates.

Now you are outfitted to produce the decisions correctly when you find yourself faced with vehicle maintenance. While there still is going to be an expense, congratulations, you can seem to be confident that the soccer ball is with you. No more being concerned relating to your following shift alternatively, you are likely to consider charge when it comes to automobile fixes.