How To Recognize Signs of Depression In Your Child

Photo: Iren_Geo (Shutterstock)

It’s the season for seasonal depression. Children can get seasonal affective disorder, too, but they can also suffer from depression. While many children are described as anxious, fewer are described as depressed.

Pre-pandemic, the CDC estimated 2.7 American children had depression, and we know data has shown these numbers have steadily increased since. Here’s what to watch for and what to do if you suspect your child has depression.

What are the signs of depression in children?

Depression in children can present in a number of ways. Here are some things Dr. Georgina Garcia, a psychiatrist in Behavioral Health Services at Franciscan Children’s, says parents should look for:

  • Loss of interest in regular or fun activities
  • A decline in grades
  • Changes in mood, such as increased irritability, tearfulness, or mood swings
  • Changes in behavior regarding sleep, appetite, or energy
  • Increased isolation; less social interaction with peers
  • Somatic complaints like stomach aches or headaches
  • Self-injury (scratching, cutting themselves)
  • Reporting thoughts of wanting to die or kill themselves, even humorously

The signs in children can be different from those in adults. “Children don’t always have the language to describe their emotions—instead of saying they are depressed, kids will often use the term ‘bored,’” Garcia says.

While adults do often have physical symptoms, sometimes children only present with physical symptoms like gastrointestinal discomfort and don’t seem as “sad” or moody as an adult with depression might.

What to do if you think your child has depression

If you suspect your child is in danger of killing or harming themselves, seek help immediately. In the U.S., you can dial “988” to reach the Suicide and Crisis Lifeline and get 24/7 assistance via phone or chat. Or visit their website (previously the National Suicide Prevention Lifeline).

Or, “If there is an immediate concern for the child’s safety, the parent should take the child to the nearest emergency room for an assessment,” Garcia says. If you suspect your child is depressed but not in immediate danger, Garcia says, “Parents should first seek a professional assessment and support from their child’s pediatrician.

The pediatrician will know what questions to ask and signs to look for, and if necessary, the pediatrician can recommend a good pediatric psychiatrist or psychologist for the child.” You can also try to get a mental health care provider directly, though there are often long wait lists. It is still worth pursuing for the sake of your child’s mental well-being, though.

“While it is important to bring your child to a professional, parents need to know that they know their child best,” Garcia says. “If their child has had changes in their mood, interests, and behaviors, the parents are crucial to early identification of these symptoms and can help engage their child in mental health care.”

Sometimes a teacher or other trusted adult notices these changes, but most often, it is a parent who can track these patterns in their own children and get them the help they need as soon as possible.

What to do if you child is diagnosed with depression

In order to pursue official depression treatment, your child will need to be diagnosed by a health professional, such as their doctor or a psychologist. From there, Garcia says, “Talk therapy is usually the first line of intervention.” What that often looks like is the child meeting about once a week with a psychologist or a social worker and talk about how they are feeling and help develop coping skills.

Sometimes therapy is done in conjunction with the school, on campus, or it may be in a private facility. Many insurance plans and Medicaid cover therapy, but you should always check with your plan. If the depression continues even with therapy, “the clinician or pediatrician may recommend medications and/or a referral to a child and adolescent psychiatrist to see if medicine is appropriate for the child,” Garcia says.

Often depression is treated with selective serotonin reuptake inhibitors, or SSRIs, such as Prozac or Zoloft. Some children respond very well to these medications while others have issues with side effects or cannot take them due to other health considerations. You and your child’s medical team will need to discuss the best course of treatment for your child.

Will a child who is diagnosed struggle with depression their whole life?

If you’ve experienced depression, it may have been for a short time, or it may have been something you’ve dealt with your entire life. For your child, Garcia says it is not a lifelong diagnosis. “The good news is depression can improve with treatment, and the child may no longer need therapy or medication,” she says.

“Although it can sometimes reoccur, studies show that treatment of depressive episodes reduces the risk of future episodes of depression.” So by helping your child acknowledge their feelings and treat them now, you are setting them up for more resilient and successful mental health patterns in the future.

By: Laura Wheatman Hill

Source: How to Recognize Signs of Depression in Your Child

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Working In Retirement Often Is More A Dream Than Reality

Many older workers are not proactive about taking steps to help ensure they can work as long as they want or need, one expert said. (Photo: Getty Creative)

Many workers are staying on the job longer or plan to before going into their golden years. More retirees said they retired at ages 66-69, rising from 11% in 2021 to 14% in 2022, according to the latest annual survey by the Employee Benefit Research Institute (EBRI) and Greenwald Research.

And 7 in 10 workers expect to work for pay as a source of their retirement income, and 1 in 5 are counting on it as a major source, according to the EBRI poll. A growing percentage of workers say they will never retire – 15% in 2022, up from 10% in 2021, according to the EBRI survey.

Unfortunately, expectations of working in retirement can backfire. For workers who plan to work in some fashion for pay after they retire, that desire still appears to be more of a nice notion than a reality. Only 27% of retirees have employment income, according to the EBRI poll.

‘Sad commentary that health insurance has to be such a big factor’

That desire to remain employed is backed up by other recent surveys. More than half of workers (57%) plan to work in retirement citing a variety of reasons ranging from the income to keeping their brains alert, or the social connection, according to the most recent study by the nonprofit Transamerica Center for Retirement Studies.

The specter of soaring medical costs alone is stomach-churning. The average couple age 65 retiring this year and enrolled in Medicare may need approximately $315,000 saved (after tax) to cover healthcare expenses in retirement, according to the Fidelity Retiree Health Care Cost Estimate.

That’s what motivated Russ Eanes, an author, to get back in the workforce after retiring five years ago from his job as chief executive at MennoMedia, a book publisher. A year ago, he went back to work at GetSetUp, an interactive website that delivers virtual education to older adults.

The impetus: A steady paycheck and access to a health insurance plan.

“It’s a sad commentary that health insurance has to be such a big factor in these decisions,” Eanes told Yahoo Money.. “I’m on Medicare as of February, but my wife is a year behind, so we have to scramble to figure out how to have her covered for another year. While I was making out okay as a freelancer, it can be feast or famine.”

Older workers are not always ‘proactive’

But getting back to work or staying employed is not always easy, and in some cases, it can be the workers themselves who short-change their ability to stay on the job longer.

“Many 50+ workers are not proactive about taking steps to help ensure they can work as long as they want and need,” Catherine Collinson, CEO and president of nonprofit Transamerica Institute and Transamerica Center for Retirement Studies, told Yahoo Money. “Among those employed by for-profit companies, our research showed that only 62 % are focused on staying healthy so they can continue working and just 44% are keeping their job skills up to date.”

Only a small percentage are networking and meeting new people (16%), taking classes to learn new skills (12%), scoping out the employment market and opportunities available (10 %), attending virtual conferences and webinars (9%), or obtaining a new degree, certification, or professional designation (5 %), Collinson said.

Meantime, more than 2 in 5 workers expect a gradual transition to retirement, according to the EBRI survey.

In reality, “only a fraction of companies offer employees the option of a phased retirement,” Collinson said. “Our most recent employer survey finds 27% of employers offer a formal phased retirement program.”

Forced retirements

Even more troubling– nearly half of retirees retired earlier than they planned.

“Back-to-work plans can be upended by unexpected health challenges and caregiving demands,” Nancy Collamer, a retirement coach and author of “Second-Act Careers: 50+ Ways to Profit from Your Passions During Semi-Retirement,” told Yahoo Money.

The median expected retirement age for workers — age 65 — and the reported retirement age of retirees —age 62, according to the EBRI survey. Two-thirds said their early retirement was for a reason out of their control, such as a health problem or disability, company downsizing or reorganizations, or caregiving for a loved one.

Some of those reasons were amplified by the pandemic.

Since March 2020, 1.1 million more Americans between the ages of 55 and 74 retired earlier than what would have been expected during normal times, according to a recent report from The New School’s Schwartz Center for Economic Policy Analysis. The number of those who retired involuntarily a year after losing a job was 10 times higher than pre-pandemic times, the report found.

‘Beginning to feel the impact of inflation’

This trend may be shifting. As of March 2022, 3.2% of workers who were retired just one year ago are now employed again, according to research by Nick Bunker, the director of economic research at Indeed Hiring Lab.

One caveat: while the EBRI Retirement Confidence Survey was conducted as the inflation rate had already begun its rapid rise, and at that time, the majority of workers and retirees reported being confident that they had enough money to keep up with inflation in retirement, the economic picture is grimmer now.

With the inflation rate at 8.3% in April of 2022, down slightly from 8.5% in March, which was the highest since December of 1981, and the S&P 500 index off its January peak by 16.6%, that exuberance may be fading.

“Some workers are beginning to feel the impact of inflation, and the number is likely to grow,” Copeland said. “How the economy evolves over the next few months is likely to result in workers reconsidering where they stand regarding retirement. If inflation continues at historic rates and the stock market continues falling, more workers will be reevaluating their retirement plans.”

https://s.yimg.com/uu/api/res/1.2/k0mEoxgrd_Sb3B5ZGXas0w--~B/aD00ODA7dz00ODA7YXBwaWQ9eXRhY2h5b24-/https://o.aolcdn.com/images/dims?image_uri=https%3A%2F%2Fs.yimg.com%2Fos%2Fcreatr-uploaded-images%2F2022-03%2F57a5f580-a3cd-11ec-b1fc-d323fa628773&compress=1&progressive=1&quality=75&client=hawkeye&signature=0a3ee751f5347042b1db35967bc33eb3c2ad9692.cf.webp

By:

Source: Working in retirement often is more a dream than reality

.

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Renters Insurance: What it Covers and How Much You Need

AleksandarNakic / Getty
Whether you’re renting an apartment or a home, chances are you may have wondered what renters insurance is, and what renters insurance covers. It’s your landlord’s job to maintain and insure the property, but it’s up to you to insure the belongings inside it.

That’s where renters insurance comes in. For a monthly premium, you can have peace of mind that your possessions are financially protected if vandalism or disaster strikes. Here is everything you need to know about renters insurance.

What is renters insurance?

A renters insurance policy, also known as an HO-4, covers your losses in case of theft, fire, or other damage. It also offers liability coverage, which means your insurance company will pay legal fees and court awards in case of injury or damage due to negligence. For example, if someone gets injured in your rental home and sues, renters insurance could help cover those legal costs. Standard policies also offer additional living expenses for situations where the rental property gets damaged and becomes uninhabitable, displacing you from your home.

Your policy will come with a deductible. The cost of your deductible depends on the policy you choose. A renters insurance deductible is the amount you will have to pay if you file a claim. The higher the deductible, the lower the monthly premium — but the more you’ll have to pay should the worst-case scenario occur.

Renters insurance is not legally required, but some landlords might require it if you want to rent from them. However, even if it’s not required and the chances of these things happening are slim, it’s still best to prepare for the worst so you can have peace of mind.

What does renters insurance cover?

Policies can differ slightly from state to state, and offerings vary between insurance companies. But overall, renters insurance policies are pretty standard. Here are what many renters insurance policies include.

Personal belongings

The personal belongings part of your policy protects your things against damage from the following listed disasters and incidents, called named perils.

  • Fire or lightning
  • Windstorm or hail
  • Explosion
  • Riot or civil commotion
  • Damage caused by aircrafts
  • Damage caused by vehicles
  • Smoke
  • Vandalism
  • Theft
  • Volcanic eruption
  • Falling objects
  • Weight of ice, snow, or sleet
  • Water damage caused by steam, heating, AC, sprinklers, or an appliance
  • Sudden and accidental tearing apart, cracking, burning, or bulging of a hot water heating system, AC, or sprinkler system
  • Freezing of plumbing, AC, sprinkler system, or appliance
  • Damage caused by short-circuiting

Liability

Most policies offer personal liability protection — meaning the policy would help cover the legal costs and court payouts (up to the policy limit) should someone sue you or your family members for bodily harm or property damage. Liability protection can also pay for damage caused by your pet. Ask your agent about this.

Additional living expenses

Should damage make your home uninhabitable, your policy can help cover the costs of living elsewhere. Policies can cover hotel bills or temporary rental costs, meals, and other expenses while you’re away from your home.

Miscellaneous

Most policies protect from some losses that you may have not given much thought to, but should still ask your agent about.

These other types of coverage can include:

  • Medical payments to others should they get hurt in your home.
  • Credit card and bank forgery in the event that someone breaks into your home and tries to use your stolen credit card or checks.
  • Other peoples’ property should their items get damaged or stolen while in your home.

What doesn’t renters insurance cover?

Renters insurance doesn’t cover all types of damage. Here are a few things renters insurance doesn’t cover.

Flooding, earthquakes, and sinkholes

These natural disasters aren’t covered by renters insurance. If you live near a fault line or your rental is in a flood zone, think about taking out additional coverage. Ask your agent about common weather events in your area, and plan accordingly.

Maintenance damage

Home insurance companies rule that it’s the policyholder’s responsibility to take precautionary steps to protect the rental from damage. So, policies will not cover incidents due to a lack of maintenance or infestations like mold or termites.

Expensive valuables

Expensive belongings like art, jewelry, and antiques may not be covered due to policy limits. You can take out supplementary policies (called riders) to cover those valuables.

Your renters insurance policy won’t cover any damage to your vehicle either. Make sure you have an updated auto insurance policy in place to cover any damages or vehicle theft.

How much renters insurance coverage do I need?

To answer this question, you’ll need to make a list. Take an inventory of everything you own and every item’s value. Take a picture or video of your rental and your most important belongings. Include any serial numbers for things like electronics and instruments. Also, think through the big-ticket items you’ll need additional coverage for.

Now, tally all of that up. If you can’t get a precise number, at least get an estimate. Your agent will need to know that number. The valuation of your items will also impact whether you should go with an actual cash value policy (ACV) or a replacement cost value policy (RCV).

ACV: Under this type of policy, insurers will pay out the depreciated value of an item. The payout will likely be less than market value and it could cost you more money to replace the item.

RCV: This type of policy pays to replace your lost or damaged belongings with a similar item at the current market value. The payout would be enough to replace your item.

The bottom line

Don’t wait to own a house before you insure your belongings. For a small premium, you can have peace of mind that your belongings are covered, you have liability protection, and you have a safety net if accident or disaster makes your home uninhabitable.

Frequently Asked Questions

Does renters insurance cover moving?

No, your renters insurance policy is designed to protect one property and the belongings inside of it. Most coverage is restricted to a single address, but some companies will allow you to purchase special insurance for your move.

What happens to renters insurance if you move?

When you move, you need to inform your insurance company so they can update your account. Your policy will be updated to reflect your new address, so your premium could be affected, going up or down depending on where you live.

How do I update my renters insurance?

Most insurance companies make it easy to update your renters insurance. Some companies have excellent mobile tools, allowing you to change your address either through the app or on the website. Or you may be required to call a customer service number to change the address on your policy. You can only change your mailing address online.

How can I save on renters insurance?

One reliable way to save would be to bundle your renters insurance with your auto insurance. Contact your auto insurance provider and see if there’s a discount!

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By: MYMOVE

Source: Renters Insurance: What it Covers and How Much You Need | MYMOVE

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Waves Of Tech Layoffs Which Tech Companies Are Cutting Their Workforce And Why?

Getty Images

Thousands of workers in the tech sector suddenly find themselves without a job. The industry continues to cite changing economic conditions as the reason. But each company has slightly different reasons for the layoffs. Plus, many companies are seeing an uneven distribution of layoffs across departments.

Which companies are laying off workers?

According to layoffs.fyi, over 760 tech companies have laid off employees in 2022. Some are letting go a handful of employees. Others, like Meta and Twitter TWTR 0.0%, are laying off thousands of workers.

Let’s take a closer look at which companies are laying off workers and the reasons behind the decision.

Twitter

Since Elon Musk’s deal to purchase the company finally came through, Twitter has been making all kinds of waves in the media. After the deal closed, Musk quickly fired the top brass of the company.

But the layoffs didn’t stop with the former c-suite. Thousands more Twitter employees found out they were let go last week. The estimated cuts accounted for 50% of the company’s workforce, which means around 3,700 employees were laid off.

Musk tweeted that the layoffs were necessary because the company was losing at least $4 million per day. Although everyone was reportedly offered three months of severance pay, the widespread layoffs across the company were done in a confusing way.

Many former employees reportedly found out about their termination when they were locked out of their work email and Slack accounts. Some are reporting that Twitter may want to rehire some of the laid-off employees.

Lyft

Lyft recently announced that it would be laying off around 700 employees, which accounts for approximately 13% of its workforce.

In a memo to the company’s employees, Lyft’s leadership stated, “There are several challenges playing out across the economy. We’re facing a probable recession sometime in the next year and ride share insurance costs are going up.

We worked hard to bring down costs this summer: we slowed, then froze hiring; cut spending; and paused less-critical initiatives. Still, Lyft has to become leaner, which requires us to part with incredible team members.”

Based on the memo, it seems that the layoffs will be spread across all, or at least multiple, departments.

Stripe

Stripe, a payments company, announced plans to cut its workforce by 14% this week. The layoffs will impact more than 1,000 employees at the company.

Stripe’s CEO, Patrick Collison, said in the announcement that the layoffs were necessary due to leadership mistakes. Specifically, Collision said leadership was “much too optimistic about the internet economy’s near-term growth in 2022 and 2023 and underestimated both the likelihood and impact of a broader slowdown.”

He continued that, “We grew operating costs too quickly. Buoyed by the success we’re seeing in some of our new product areas, we allowed coordination costs to grow and operational inefficiencies to seep in.”

In contrast to some of the other companies facing a layoff, former employees of Stripe found clear information about how the change will impact their income. For example, affected Stripe employees can find the details of severance pay, healthcare, vesting and more easily available online.

But former employees of other companies are left with vague information about their employment situation. Most notably, some Twitter employees reportedly found out about being let go when they lost access to their company Slack channel and email account.

Chime

Chime, a fintech company, announced that it would be laying off around 160 workers, or 12% of its workforce. Although the company remains reportedly well capitalized, it seems that the cuts are being made in preparation for changing market dynamics.

Netflix

In June, Netflix let go of some 300 employees. That’s after letting go of around 150 employees in May. The decision to make a series of layoffs comes after the company saw its U.S. subscribers plummet by 200,000.

Coinbase

For those that follow the crypto markets, it might not come as a surprise that Coinbase is moving forward with layoffs in the face of depressed crypto prices. Due to the changing economic conditions, CEO Brian Armstrong, announced that the company would lay off 18% of the workforce.

In a memo, Armstrong pointed to several reasons for the changes to the workforce. Specifically, he said, “We appear to be entering a recession after a 10+ year economic boom. A recession could lead to another crypto winter and could last for an extended period.

In past crypto winters, trading revenue (our largest revenue source) has declined significantly. While it’s hard to predict the economy or the markets, we always plan for the worst so we can operate the business through any environment.” He also mentioned growing too quickly and down markets as a reason for cutting workers.

Zillow

With the housing market slowdown, Zillow announced layoffs of approximately 5% of its workforce, or 300 employees.

One of the major areas impacted is the company’s relatively new house flipping department. However, the company is still reportedly hiring in technology-related roles.

Meta

Meta, the parent company of Facebook, is reportedly planning a large number of layoffs later this week. Although the number of employees to be laid off is uncertain, the company’s CEO Mark Zuckerberg recently said in a conference call that he expects Meta to end 2023 “as either roughly the same size, or even a slightly smaller organization than we are today.”

As of November 10th, 13% of the workforce was laid off. With that, over 11,000 Meta employees now find themselves without a job.

The bottom line

With these tech layoffs coming in waves, investors must vigilantly protect their portfolios. As more companies announce layoffs, the stock of those companies respond to the changes. With so many companies announcing layoffs, it can be difficult for investors to stay on top of it all.

Luckily, you don’t have to keep track on your own. Instead, you can harness the power of artificial intelligence with the help of an investment kit through Q.ai.

With the Tech Rally Investment Kit, you can delegate the hassle of tracking your tech investments to a kit that auto-adjusts to your portfolio based on the market conditions and your personalized investment goals and risk tolerance.

Download Q.ai today for access to AI-powered investment strategies.

Q.ai helps you invest like the pros with advanced investment strategies that combine human ingenuity with AI technology.

Source: Waves Of Tech Layoffs — Which Tech Companies Are Cutting Their Workforce And Why?

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5 Mistakes You Don’t Want To Make During Employee Open Enrollment

Worried man reading bad news in paper letter document feels disappointed, stressed ..getty

Fall is a time of leaves changing colors, children going back to school, families enjoying Thanksgiving dinners, and… open enrollment. Yes, it’s the opportunity for most employees to select which benefits they will choose for the following year. Here are some of the most common mistakes we see people make:

Not fully understanding the value of an HSA-eligible health insurance plan.

HSA-eligible high deductible health plans tend to come with lower premiums (what you pay per month or paycheck for your coverage) but higher deductibles (what you pay out-of-pocket before most of the insurance benefits kick in) than more standard health insurance plans. In addition, they make you eligible to contribute pre-tax dollars (for 2023, up to $3,850 for individual coverage or $7,750 for family coverage plus $1,000 if you’re turning 55+) to an HSA (health savings account) that can be used tax-free for qualified medical expenses at any time.

While it’s easy to compare the difference in premiums and deductibles, don’t forget to factor in the value of the HSA. First, many employers will actually make contributions to your HSA for you. That’s free money! If you contribute on top of that, you also get a break on your taxes (including FICA if you contribute from your paycheck).

For example, I spoke with an employee who would save almost $1,900 a year in premiums by choosing the high deductible health plan. In addition, he would receive $1,000 in his HSA from his employer and would save almost another $2,000 in taxes by contributing another $6,000 to the HSA. The $4,900 in total savings dwarfed the difference in deductibles.

Under or over funding an FSA.

FSAs (flexible spending accounts) let you put money away pre-tax that can be used tax-free for health (up to $3,050 per person next year) or dependent care (up to $5,000 per family next year) expenses. If you’re in the 24% tax bracket, that’s like getting a 24% discount on those eligible expenses! Not taking full advantage of these accounts could cost you hundreds or even thousands of dollars in lost tax breaks.

However, there is a catch. Unlike HSAs, FSAs are mostly “use it or lose it” so you don’t want to contribute more than what you’re pretty sure you can spend. (Having a general health care FSA also precludes you from contributing to the more valuable HSA in the same year.) If you do end up with extra money in the account at the end of the year, try to use it by stocking up on qualified supplies like contact lenses and prescription drugs. You can find FSA-eligible items here.

Not taking advantage of a prepaid legal plan.

Do you have updated estate planning documents like a will, durable power of attorney, advance health care directive, and living trust? If not, you can save a lot of money by using your employer’s prepaid legal service to have these documents drafted or updated. You pay a fee per paycheck, but the legal services are free or heavily discounted. You can then choose not to renew it the following year after you’ve gotten your documents in place.

Ignoring disability insurance.

Disability insurance is often overlooked even though about 25% of 20-yr olds are likely to be out of work for at least a year due to a disability before they reach normal retirement age. If your employer doesn’t provide it, you may want to purchase it. The good news is that employee-paid disability benefits are tax-free.

Not having enough life insurance.

Your employer may offer you life insurance coverage equal to one or more times your salary, but you may want to purchase supplemental life insurance if you have dependents. You can use this calculator to estimate how much you need. Then compare the cost of purchasing it through your employer with the cost of a term policy in the individual market. (See if your coverage at work can be converted to an individual policy once you leave the job.)

Your benefits can be a significant part of your total compensation and open enrollment can be your only chance to take full advantage of many of them. When in doubt about your selection of benefits, find out if your employer offers a financial wellness program with free guidance and coaching from unbiased financial planners who are trained on your particular benefits. Then go and enjoy the holidays knowing that your family is protected.

I’m a Senior Resident Financial Planner at Financial Finesse, primarily responsible for providing financial education and guidance to employees of our corporate clients. I also

Source: 5 Mistakes You Don’t Want To Make During Employee Open Enrollment

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WebCop  https://jvz4.com/c/202927/378683/
Webinarkit   https://jvz3.com/c/202927/383937/
Webprimo   https://jvz1.com/c/202927/379455/
WordPress Mastery   https://jvz1.com/c/202927/386249/
WowBackgraounds   https://jvz2.com/c/202927/381556/
WP GDPR    https://jvz8.com/c/202927/299907
WP Simulator    https://jvz3.com/c/202927/46987/
Writer Arc   https://jvz1.com/c/202927/386602/
writing job   https://jvz8.com/c/202927/213027
XBrain Forex   https://jvz3.com/c/202927/372305/
XFUNNELS   https://jvz2.com/c/202927/310335
Xinemax  https://jvz1.com/c/202927/381749/
YoDrive   https://jvz2.com/c/202927/384700/
YoSeller   https://jvz4.com/c/202927/387544/
Your 3DPal   https://jvz2.com/c/202927/381685/
YTSuite   https://jvzoo.com/c/202927/381179
Zappable   https://jvz3.com/c/202927/367328/
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