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Test Article From dropbox

Test Article From dropbox

Choosing a retirement plan can be a difficult task. While opting for a retirement plan, one needs to consider various factors such as income, lifestyle, desire to invest further, and so on. No two people are the same; therefore, there exist a variety of plans that one can choose from. Given below are the 10 best retirement plans one can opt for. To further understand the process, one must delve further into details.

There are several aspects that go into formulating the best retirement plans. Broadly the retirement plans are classified based on how the profits are determined. The two categories are defined benefit and defined contribution plans. There are, however, certain retirement plans that imbibe in themselves the characteristics of both types of the plans. Such a mixture is usually termed as cash balance plans.

Some of the 10 best retirement plans include IRA, 401k, SEP IRA, 457b plans, and the modified versions of them. IRAs and its modified forms fall under the Individual Retirement Plans. While 401k and thrift savings plans and their modifications comprise the employer sponsored retirement plans (or defined contribution plans). The SEP IRAs and the SIMPLE IRAs are usually the retirement plans for the self-employed or small business owners.

Given the advanced times, one can no longer rely upon their respective employer or for that matter even Social Security to cover their costs during their retirement. Pension funds are rare and not a sufficient source of income post retirement. Therefore, one has to take it upon themselves to plan accordingly and march steadfast into the future. One should note the flexibilities provided in the tax rates when choosing from the 10 best retirement plans. Based on this and also the myriad of options available, one can choose the plan that one needs.

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9 most common types of depression you should know about

9 most common types of depression you should know about

All of us feel low, upset, and unmotivated at some point in our life, but this isn’t classified as depression. Depression is a mood disorder that overshadows a person’s thoughts, feelings, and actions. Signs and symptoms of this grave disorder can range from feeling hopeless and tired to completely losing the will to live. There are several types of depression and they are listed below so you can understand depression and people suffering from it better. Major Depression (Clinical Depression) The hallmark trait of this type of depression is the constant feeling of sadness or loss of interest in social life or any outside stimuli. It often lasts for two weeks or more in which a person can experience symptoms such as hopelessness, fatigue, and suicidal thoughts. Dysthymia (Persistent Depressive Disorder) Dysthymia lasts for years and can disrupt daily life and interfere with personal and professional relationships. Individuals with dysthymia are often seen as dark, pessimistic, or complainers by others, and they have a hard time being happy in typically pleasant situations. Manic Depression (Bipolar Disorder) People with manic depression experience high degrees of mood swings. Their train of thought can take them from feeling euphoric to feeling suicidal in just a few weeks.
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Simple and practical guide points for expecting parents

Pregnancy is a new experience in every couple’s life, and one should understand a few things to ensure that the nine months are smooth and stress-free. Simply being prepared for pregnancy and looking forward to the joy of parenthood is not all there’s to childbirth. As a couple, you must understand, review, and adjust your lifestyle. Expecting mothers become their child’s nurturers and supporters from day one, but the expecting fathers, close relatives, and friends must also understand the key roles they will play right up to the due date. Here are a few simple family and pregnancy guide points to help you and your folks get started: Staying healthy Physical and mental wellbeing is extremely crucial for the expecting mother to ensure both her and the baby’s health. Diet plays a crucial role in this process, as the mother is now providing nutrition for the developing fetus as well as herself. As a family, you can take turns to ensure that the to-be mother is staying physically active, eating healthy and regularly, and not cultivating any bad habits. More importantly, family and loved ones should be prepared for the changes to come in the upcoming trimesters. Coping with changes – what to expect Morning sickness in the first trimester is quite common and can put a woman’s body under tremendous stress.
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