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Balancing Your Work, Family and Social Life

Balancing Your Work, Family and Social Life

Many of us have an image of personal balance as a set of scales in perfect balance every day. But that’s an unrealistic goal. You are in for a lot of frustration if you try to allocate within every day a predetermined portion of time for work, family and your social life. An illness may upset all your plans. A business project may demand peaks of intense work, followed by valleys of slow time.
Balance requires continual adjustments, like an acrobat on a high wire who constantly shifts his weight to the right and to the left. By focusing on four main areas of your life – emotional/spiritual needs, relationships, intellectual needs and physical needs – at work and away from work, you can begin to walk the high wire safely.
Here, drawn from my conversations with many high successful Americans, are ten ideas for balancing all aspects of your life:
1. Make an appointment with yourself. Banish from your mind the idea that everyone takes precedence over you. Don’t use your organizer or calendar just for appointments with others. Give yourself some prime time. Regularly do something you enjoy. It will recharge your batteries. Once you’ve put yourself on your calendar, guard those appointments. Kay Koplovitz founder of the USA cable television network, which is on the air 24 hours a day, seven days a week, 52 weeks a year. Koplovitz ran the daily operations of the network for 21 years. For more than two decades, there was always some potential claim on her time. Therefore she vigilantly protected a scheduled tennis match just as she would a business appointment.
2. Care for your body. Having a high energy level is a trait held by many highly successful people. No matter what your present level of energy, you can increase it by following these steps:
Eat. Don’t skip meals. Your physical and mental energy depend upon nourishment. Irregular eating patterns can cause a frayed temper, depression, lack of creativity and a nervous stomach.
Exercise. Over and over again, highly successful people mention the benefit of exercise routines. Johnetta Cole, president of Bennett College for Women and former president of Spelman College, does a four-mile walk each morning. She calls it her mobile meditation. The benefits of exercise are mental, emotional, physical and spiritual. If you are healthier and have more stamina, you can work better and longer.
Rest. A psychologist who has studied creative people reports that they rest often and sleep a lot.
3. Cut some slack. You do not have to do everything. Just the right things. Publisher Steve Forbes taught me a lesson: “Don’t be a slave to your in-box. Just because there’s something there doesn’t mean you have to do it.” As a result, every evening, I extract from my long list to-do list just a few “musts” for the following day. If, but three o’clock the next day, I’ve crossed off all the “musts,” I know that everything else I do that day will be icing on the cake. It is a great psychological plus for me.
There is nothing wrong with pushing yourself hard, disciplining yourself to do what needs to be done when you hold yourself to the highest standards. That builds up stamina and turns you into a pro. At time, though, you must forgive yourself. You will never become 100 percent efficient, nor should you expect to be. After something does not work, ask yourself, “Did I do my best? If you did, accept the outcome. All you can do is all you can do.
4. Blur the boundaries. Some very successful people achieve balance by setting aside times or days for family, recreation, hobbies or the like. They create boundaries around certain activities and protect them. Other individuals who are just as successful do just the opposite. They blur the boundaries. Says consultant Alan Weiss, “I work out of my home. In the afternoon, I might be watching my kids play at the pool or be out with my wife. On Saturday, or at ten o’clock on a weeknight, I might be working. I do things when the spirit moves me, and when they’re appropriate.”
Some jobs don’t lend themselves to this strategy. But blurring the boundaries is possible more often than you may think. One way is to involve people you care about in what you do. For example, many companies encourage employees to bring their spouses to conferences and annual meetings. It’s a good idea. If people who mean a great deal to you understand what you do, they can share more fully in your successes and failures. They also are more likely to be a good sounding board for your ideas.
5. Take a break. Many therapists believe that taking a break from a work routine can have major benefits for mental and physical health. Professional speaker and executive coach Barbara Pagano practices a kind of quick charge, by scheduling a day every few months with no agenda. For her, that means staying in her pajamas, unplugging the phone, watching old movie or reading a novel in bed. For that one day, nothing happens, except what she decides from hour to hour. Adds singer and composer Billy Joel, “There are times when you need to let the field lie fallow.” Joel is describing what farmers often do: let a plot rest so the soil can replenish itself.
6. Take the road less traveled. Occasionally, get off the expressway and take a side road, literally and figuratively. That road may take you to the library or to the golf course. Do something out of the ordinary to avoid the well-worn grooves of your life. Try a new route to work, a different radio station or a different cereal. Break out of your old mold occasionally, with a new way to dress or a different hobby. The road less traveled can be a reward after a demanding event, a carrot that you reward your self with or it can be a good way to loosen up before a big event. Bobby Dodd, the legendary football coach at Georgia Tech, knew the power of this concept. While other coaches were putting their teams through brutal twice-a-day practices, Dodd’s team did their drills and practices, but then took time to relax, play touch football and enjoy the bowl sites. Did the idea work? In six straight championships games!
7. Be still. Susan Taylor, editorial director of Essence, sees to it that she has quiet time every morning. She regards it as a time for centering – for being still and listening. She keeps a paper and pen with her to jot down ideas that come to her. The way you use solitary time should match your values, beliefs and temperament. Some individuals devote a regular time each day to visualize themselves attaining their goals and dreams. Others read, pray, meditate, do yoga or just contemplate a sunrise or sunset. Whatever form it takes, time spent alone can have an enormous payoff. Achievers talk about an inner strength they find and how it helps them put competing demands into perspective. They feel more confident about their choices and more self-reliant. They discover a sense of balance, a centeredness.
8. Be a peacetime patriot. Joe Posner has achieved wealth and recognition selling life insurance. Several years ago, Posner helped form an organization in his hometown of Rochester, NY to prepare underprivileged children for school and life and, he hopes, break the poverty cycle. You may find some equally worthy way to give something back through your church, hospital, civic club, alumni association or by doing some pro bono work. Or you may help individuals privately, even anonymously. There are powerful rewards for balancing personal interests with the needs of the common good. One of the most wonderful is the sheer joy that can come from giving. Another reward is the better world that you help create.
9. Do what you love to do. As a boy, Aaron Copeland spent hours listening to his sister practice the piano because he loved music. By following that love, he became America’s most famous composer of classical must. When I asked him years later if he had even been disappointed by that choice Copeland replied, “My life has been enchanting.” What a word to sum up a life. By itself, loving what you do does not ensure success. You need to be good at what you love. But if you love what you do, the time you spend becoming competent is less likely to be drudgery.
10. Focus on strategy. As important as it is, how to save time for balancing your life is not the ultimate question. That question is, “What am I saving time for?” Strategy has to do with being successful – but successful at what? If others pay your salary, being strategic generally means convincing them that you are spending your time in a way that benefits them. If there is a dispute over how you should use your time, either convince the people who can reward or punish you that your idea about using time is appropriate, or look for another job. The “what for?” question should also be asked about the life you live. It is truly a comprehensive question and gets at the question of wholeness.
So what makes for a successful balance life? I can think of no better definition than the one given by Ralph Waldo Emerson:
To laugh often and much; to win the respect of intelligent people and affection of children; to earn the appreciation of honest critics and to endure the betrayal of false friends; to appreciate beauty, to find the best in others; to leave the world a bit better, whether by a healthy child, a garden patch or a redeemed social condition; to know even one life has breathed easier because I have lived. This is to have succeeded.

Are Your Social Security Benefits Enough?

Are Your Social Security Benefits Enough?

Social security benefits cover support for the dependent family (if there is) if ever a person dies or become disabled. It is more than just about retirement. The quality of a person’s and his family’s future security will be determined by how much he saves now, and social security is one way of providing this benefit.
Social security benefits that assure financial assistance in the future are bequeathed in 3-ways. The first form is the social security benefits for retirement. Social security beneficiaries for retirement are given 1-point credit for every 0 they earn anytime within a year. They could receive up to 4-points each year giving them a chance to reach 40-points credit sooner which is required for receiving full social security benefits by the time they reach retirement at the age of 65. (Partial benefits though are given when the retired beneficiary reaches the age of 62.) Hence the amount of future benefits may vary a bit depending on exactly when you decide to apply. Also if a person applies for a social security retirement benefit but doesn’t retire beyond age 65, then he shall receive a greater amount of benefits soon after he retires.
On the other hand, social security benefits for cases of disability involve beneficiaries determined as anyone having physical or mental disability regardless of age. Those having a severe condition considered as life-threatening are also allowed to apply for this kind of security. They are warranted for receiving the social security benefits since their cases prevent them from working at any job paying 0 or more per month at least a year. Applicants though may have to meet the social security’s definition of ‘disability’ and undergo a Benefits Eligibility Screening Tool. These then shall either qualify the disabled for an SSI/Supplementary Security Income based on financial needs or an SDI/Social Security Disability Insurance providing for the disabled including some of his family members considering he has previously worked and paid his social security taxes long enough.
Families of security insured individuals may also receive social security benefits called survivors’ benefits, upon death of their major (or sole) income-provider. Eligible family members to be bequeathed with the financial support are the spouse aged at least 60-years-old or 50+ but disabled or caring for a child under 16-years, disabled children ages 18+, children who are under 18 and unmarried or those who are 19-years and below but are still in school, and also the parents of the deceased but only if he has been their primary income-provider. They will receive a single lump-sum benefit of 5 when their family’s head dies, that is, if he has earned enough social security credits during his lifetime.

Eligible for Social Safety Handicap?

Eligible for Social Protection Special Needs?

The Social Safety and security Special needs benefits involve beneficiaries established as any individual having physical or psychological disability no matter of age. Those having an extreme problem considered as life-threatening are additionally permitted to look for this type of protection. They are necessitated for receiving the social safety impairment advantages because their cases avoid them from operating at any type of task paying 0 or even more per month at the very least a year. The social security handicap applicant might either get approved for an SSI or Supplementary Security Revenue based upon economic needs and giving earnings and cash money for fundamental needs, or an SDI or Social Safety And Security Disability Insurance (mainly for those whose jobs involve handicap risks) providing for the impaired including several of his household participants, but offered he has previously functioned as well as paid his social safety tax obligations enough time. In addition, the application process for social security impairment benefits by itself might not be any type of easier than expected.
Applicants for social protection handicap have to fulfill the social security’s meaning of ‘impairment’ and go through a Conveniences Qualification Screening Device. They will likewise be required to offer medical info documenting the disability problem as well as additionally confirmation that the disability prevents the candidate’s job condition too. Several of the documents required for requesting social safety and security disability are the following: files that show recognition, citizenship, and financial standing, the names as well as call information of all the medical professionals that have actually analyzed or dealt with the intended ‘disable’ candidate, the listing of all the health centers admitted right into, total documents of clinical tests undergone via, documents of the entire medical problem, as well as education and learning records, comprehensive job background within the previous 5 years, plus a thorough summary of the applicant’s regular daily tasks. Additionally, an approved impairment situation will need to be examined periodically to determine if the present physical condition remains to be qualified for the handicap advantages.
The application procedure is such thorough and also complex compared to the other sorts of social safety advantages because it starts to be bequeathed as early as 5 months after the initial authorization of the social safety special needs eligibility, unlike retirement advantages which just start to find when the retiree reaches age 62 (after a very long time of put-ins). In addition, specialists have actually found the greater significance of social safety and security special needs because individuals are study-proven to have such a high risk of being handicapped even before reaching the retirement age. However, the advantages gotten from social security handicap could be exchanged retirement benefits when the handicapped reaches the age of 65.

Social Safety Impairment

Social Security Special Needs

Out of the a number of federal programs that give help to individuals with impairments the largest is the Social Safety and Supplemental Safety Revenue of the SSA (Social Security Management). Divided right into two, they are composed of the following:

* Social Protection Disability Insurance Coverage
* Supplemental Protection Income

The two programs are various as well as give different benefits to individuals with specials needs. Nevertheless, both are carried out by the Social Safety And Security Administration. Just people that have impairments that come under the province of the disability law might get approved for the advantages specified under either program.

For functions of this post, the emphasis would certainly be on the Social Protection Disability Insurance policy program, which pays benefits to you and also certain members of your family members if you are “guaranteed.”.

Now, what does it imply being “guaranteed?” Before we respond to that question, allow us first specify what the Social Safety Administration takes into consideration as “impairment.”.

What is Social Security’s Definition of “Disability?”.

Before entering into a list regarding what benefits you might be qualified under the Social Protection Impairment Insurance Coverage, it is necessary that you first recognize what Social Protection indicates by “handicapped.” This is because the Social Security Management defines “disability” differently from various other programs.

Note that Social Security pays just for overall impairment. Consequently, if you are just partly handicapped or your handicap is just temporary, you are qualified to no payable benefits.

Under Social Safety, your handicap is based upon your lack of ability to function. Hence, if you can not function at all nor do work that you did previously as well as that Social Safety has actually chosen that you can not get used to other work due to your medical problem, after that you are handicapped under Social Safety. This is further qualified by the fact that your impairment have to last or be expected to last for at the very least one year or to cause death.

What are the Perks under Social Security Impairment Insurance Policy?

If you get Social Protection Disability Insurance Coverage, the Social Security Administration will provide you monthly special needs benefit, the amount of which will certainly be based upon your life time average incomes covered by Social Security.

Within 3-4 weeks after getting notice that you have certified for Social Safety Impairment Insurance, the Social Security Administration will certainly send you your Social Security Statement. You will certainly obtain this statement, which includes the specific amount you will certainly get, annually after that.

What Family Members Advantages are Consisted Of in Social Safety And Security Handicap Insurance?

When you begin obtaining your social safety disability advantages, certain members of your household might likewise get benefits on your record. These member of the family include:.

* Your spouse.
* Your divorced spouse.
* Your youngsters.
* Your impaired youngster.

The social security impairment advantage of each relative is up to half of your regular monthly special needs price. Note, nonetheless, that there is a restriction to the total amount of cash that can be paid to a relative on your social protection record.

Social Security Disability Insurance Policy

Social Safety Special Needs Insurance

Impairment is a topic that is not brand-new to everyone. You may have listened to or checked out regarding it in publications and papers. Nevertheless, although significantly usual, special needs is an issue typically ignored by several. This is probably as a result of the truth that no one loves to consider impairment as something that might really happen to you. But this does not complimentary us from the possibility of ending up being disabled. Only time can tell.

With disability being so usual, individuals started assuming about insuring themselves if they become impaired. Fortunately, the Social Protection Special needs Insurance coverage is now offered for them to think about.

But, just what about Social Safety Handicap Insurance? What is covered and also not covered by this program? Just what are its benefits?

Well, the Social Security Disability Insurance Coverage is in the top place a government cash money benefit given for impaired persons. It was developed by the Social Safety itself as a means of giving impaired individuals the support they require in life. And also because it was created for those who have a disability trouble, the Social Safety Disability Insurance policy is just provided for those who are experiencing the condition and also fulfill the standards established by the Social Safety and security system.

Talking of standards, the Social Security Handicap Insurance policy requires candidates to work initially in jobs covered by the Social Security. Additionally, they have to have a clinical problem that fulfills the definition of disability as preserved by the Social Protection. If these basic demands are met, the Social Safety with the use of the program will certainly pay you monthly cash money advantages, which will have the tendency to continue till the disabled person has the ability to function once more often.

An additional intriguing thing to keep in mind regarding the Social Security Handicap Insurance is that it offers a number of unique guidelines recognized by the controling body as “work incentives”. These incentives are given to offer the disabled individual the opportunity to avail a continued support, consisting of a healthcare protection that will be required for them to return to function as early as feasible. As well as, if for circumstances, you are getting the advantages provided by the Social Safety and security Impairment Insurance policy program when you reach your complete retired life age, the advantages you are delighting in can instantly be converted to retirement benefits. Nevertheless, the amount provided to you the moment before your reach your complete retirement age stays the very same.

The Social Security Disability Insurance policy can be made an application for either online or offline. If you think about on-line application, you simply have to most likely to SSA.gov as well as complete the application offered online. You could also call the Social Security office through this toll-free number: 1-800-772-1213. As preserved by the Social Security itself, it would be best if you’ll apply for the benefits as quickly as you end up being handicapped. But anytime you are all set to look for the Social Security Impairment Insurance coverage advantages, do so.

Social Security Disability Details

Social Safety Special Needs Info

The largest of several Government programs that offer assistance to individuals with handicaps is the Social Security and Supplemental Safety and security Revenue impairment programs. Although these 2 programs are different in a great deal of means, they both are provided by the Social Safety Management and the only individuals who could get approved for benefits under these programs are those who have disability as well as satisfy the medical standards.

Individuals that request either of the program will certainly submit medical and various other details to be chosen whether they fulfill the definition of impairment. Social Security disability details on the meaning of handicap is based on inability to function.

The Social Safety Rules on special needs defines, individuals that could refrain from doing function that they did before and could not change to other work since of the clinical condition(s). The handicap needs to additionally last, be expected to last for a minimum of a year, or to lead to fatality. This is a rigorous meaning of special needs complied with by the Social Protection program.

The Social Safety and security Program Policy presuppose that working family members have access to various other resources to offer assistance throughout times of temporary disabilities, including insurance policy, cost savings, worker’s payment, and also investments. The Social Protection special needs information on interpretation of handicap is really different compared to various other programs; Social Security only pays for overall special needs as well as no benefits are payable for temporary impairment or partial special needs.

The Social Security Disability Insurance coverage pays advantages to the person or particular participants of the family members if the individual have actually been “insured”, which suggests that they have functioned long sufficient as well as paid their Social Protection tax obligations. Social Security disability details on this program specifies that to receive benefits, the individual should have worked in tasks covered by Social Safety, as well as should have a handicap or medical problem that satisfies the Social Safety’s interpretation of impairment. Usually, the Social Safety pays regular monthly money benefits to individuals that are not able to function for a year or more because of special needs. The advantages will usually proceed until the individual has the ability to work again on a routine basis. A number of special guidelines called “work motivations” additionally provide continued healthcare coverage and advantages that assists in the persons shift back to work. For person obtaining Social Protection disability benefits when they get to the full old age, the special needs advantages automatically is modification to retirement benefits but the quantity stays the very same.

Social Protection special needs details on special needs program, various other programs, and also advantages can also be found in their web site SocialSecurityOnline. The website provides detailed info on typical inquiries and also details such as ways to request programs, benefits planner, direct down payment, Medicare/Medicaid, kids insurance, Social Security Manual, Electronic Handicap Overview, as well as a lot more.