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9 Tips to Help You Plan Your Retirement

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Making financial decisions can be confusing and overwhelming, to the point that you do nothing to prepare for your financial future. But this Financial Literacy Month, we’re helping you understand finance basics so you can make money decisions with confidence.

Step one was understanding your credit.

Step two is planning and preparing for your retirement. Starting early will help you establish a sound financial future down the road. These tools and tips will help you get started.

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From the Department of Interior:

Cherry Blossoms are almost in full bloom on the National Mall and Memorial Parks in Washington, DC. This weekend will be the perfect time to check them out!Photo: Andrew S. Geraci

Image description:

From the Department of Interior:

Cherry Blossoms are almost in full bloom on the National Mall and Memorial Parks in Washington, DC. This weekend will be the perfect time to check them out!

Photo: Andrew S. Geraci

Image Description: An original Google “corkboard” server. In 1998, Stanford University graduate students Larry Page and Sergey Brin launched Google, a web-search company, in a garage in Menlo Park, California. 

To maximize searching at the lowest cost, Page and Brin built thirty racks of servers, including this one, from cheap parts. Each server row used corkboard insulating pads — hence the name — and had eight 22-gigabyte hard drives and four personal computers. 

Because components frequently failed, the system required effective fault-tolerant software. From this modest but highly innovative beginning, Page and Brin built one of the largest and most influential information companies in the world.
Browse and search the collections of computers and business machines at the National Museum of American History.

Image Description: An original Google “corkboard” server. In 1998, Stanford University graduate students Larry Page and Sergey Brin launched Google, a web-search company, in a garage in Menlo Park, California.

To maximize searching at the lowest cost, Page and Brin built thirty racks of servers, including this one, from cheap parts. Each server row used corkboard insulating pads — hence the name — and had eight 22-gigabyte hard drives and four personal computers.

Because components frequently failed, the system required effective fault-tolerant software. From this modest but highly innovative beginning, Page and Brin built one of the largest and most influential information companies in the world.

Browse and search the collections of computers and business machines at the National Museum of American History.

One in Three: Sexual Assault Affects Too Many Women

By Dr. Nancy C. Lee, Director, Office on Women’s Health

Sexual violence is a serious public health issue that affects millions of Americans, especially women.

According to the Centers for Disease Control and Prevention, one in five women have been raped in their lifetime, and more than one in three have experienced other forms of sexual violence. As a nation, we need to address this threat.

Sexual assault is any type of unwanted sexual contact or experience. Most often, women know the person who assaults them. It might be a partner, friend, coworker, neighbor, or family member. No matter who it is — even if it’s someone you’re in a romantic relationship with — no one has the right to force you into unwanted sexual activity or attention.

If you have been sexually assaulted, it is not your fault — no matter where or how it happened.

It might feel scary to ask for help or support, but help is available. Whether you were assaulted recently or many years ago, you can call the National Sexual Assault Hotline at 800-656-HOPE (4673) or use the Online Hotline. Both are free, confidential, and open 24/7. Trained staff are there to listen, give you support, and help you find any resources you might need.

Even with these free resources, many women who experience sexual assault don’t get the help they need. Many women do not report it because they’re afraid, worried their stories won’t be believed, or feel embarrassed or ashamed. They may also keep it to themselves because they’ve been threatened with further trouble if they tell anyone.

At the U.S Department of Health and Human Services’ Office on Women’s Health, we believe health care providers may be a resource for women to get the help they need. Thanks to the Affordable Care Act, providers are now able to take on a bigger role in addressing sexual assault and abuse. The health care law requires most health insurance plans to cover screening and counseling for interpersonal and domestic violence with no cost-sharing.

Doctors or nurses can screen you for interpersonal violence during your annual well-woman visit or at any other health care visit, making it part of routine care. Your provider may ask you about violence directly or she may be more subtle. For example, if you have asthma, your provider may ask you if anyone at home prevents you from using your asthma medication. If you were to answer “yes,” it would be a sign that you may be in an unhealthy relationship. Your provider could then help you find appropriate services and resources.

The next time you visit your doctor or nurse for a routine checkup, don’t be surprised if she asks you about abuse, however she works it into the conversation. You may be in a healthy, happy relationship today — but for those who are not, those questions could be the first step to getting help.

April is Sexual Assault Awareness Month. Please share this post with the women in your life.

It’s never too late to start saving for retirement. These strategies for late starters can help.