If one of the gay retirement communities above isn’t accessible to you, look for an LGBT-friendly facility with a SAGECare certification.

It may be that you need or will eventually need more customized care. Then, it may be appropriate to consider assisted living.

LGBT assisted living typically offers 24/7 concierge service and may use outside vendors to deliver medical care and other needs.

The best time to start saving and investing for retirement is always now. Too often, especially for LGBT people, we’re emotionally or physically ready to retire before we’re financially ready to retire.

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If you’re in your 20s, 30s, 40s or even early 50s, you have time on your side. If you’re older, it’s time to get serious.

1. Calculate your net worth (assets minus liabilities)

The first step in preparing for retirement, your goal, is knowing where you are today. To do that, you must know exactly how much money minus debt you have today.

First, total all your assets, including money saved for emergencies, money in individual retirement accounts (likely a Traditional or Roth IRA), company-sponsored retirement accounts (likely a 401(k) or 403(b)) and Health Savings Account or HSA and any other money and investments you have anywhere else.

Second, total all your liabilities and other debts, including money you owe friends and family, car loans, mortgage, home equity lines of credit on which you’ve drawn and own, student loans and any other money you owe anyone, including Uncle Sam.

Then, subtract your total debts and liabilities from your total assets. If this number’s negative or very low, meaning less than 25 times your projected annual expenses in retirement, you have some savings and investing to do before you can reasonably and comfortably retire by age 65. Lees verder →

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Another great alternative chat platform is Cyph. Again, it is well-encrypted, so no unwanted eyes peering in your messages. You need not register or log in. All you need to do is to send a Cyph link to the person.s) you would like to chat with. Once they respond, you can begin to chat away. The service is well-streamlined and your data is kept anonymous. The strong encryption ensures the security of every file that is shared and every chat. It is very user friendly and easy to navigate. You can sync all your chat logs and files through their encrypted cloud storage. It works well and is compatible on all your devices. You can choose to download the app, or simply use the site on your browser.

4. Zobe

If you love meeting new people and making new friends every day, Zobe is the free app for you. It was made just for that. They have a lot of chat rooms. From the teen chat, to Kids Chat net, Adult Chat, JungleSpot , you have a number to choose from. Each chat room has its description written beside it, with a direct link to the group. So you are guided on the right choice for you. It also has a Student center. Over there you will find forums, journals and test for students. You do have to log in to use the website and type in your username. But that is all that is required . Again if all you want to do is to make friends and chat, or find study partners, this site is for you.

5. ZChat

This site allows you to reach many people from all over the world to chat and make friends with. You have a clean, decent experience when chatting on the platform. Its interface is very pretty and user-friendly. You can easily navigate around without a hassle. Plus, they guide you on how to use the site right on their website!! And if you have any questions, you can always ask the customer support. They will be there to guide you. You need to create an account to use the service. Lees verder →

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Indeed, 31 is much out-of terminology readily available, but do not score overwhelmed. You probably know anyone pretty much, thus just be sure to enter into their own viewpoint. Or you could straight question them exactly what terms they believe out-of if they contemplate your.

Possible possibly find “scarcely,” “sometimes,” or “typically” because of this matter. Most likely, of many era you will notice were terms eg “delighted,” “pleased,” and you may “misunderstood.”

10. Exactly how Skilled are you presently contained in this Following Thingsa?¦?

Similar to the most other inquiries, you should have three options: not skilled, somewhat competent, otherwise really skilled. New encourages could include “starting matchmaking for the a love,” “remaining physically fit,” and you will “looking and taking problematic employment.”

11. What’s your Desire Ina?¦?

You can easily start to find a routine which have eHarmony’s inquiries, but that is not a bad material. Lees verder →