You may have dreamed of being financially secure and winning the lottery. To be financially secure, however, you don’t have to win the lottery. This security may be as simple as the benefits provided by your job.

Other than your salary and insurance, your employer might offer benefits that can help you with your financial needs. One of these benefits is a retirement plan. You could have an IRA, a 401k or another plan that allows you save and grow your money. Savings are exempt from taxes until you take them out in retirement. Some employers will match your retirement plan contributions up to a specific amount. You will have more money when you retire if you save earlier.

Life insuranceThis is an important employee benefit. This is a safety net that will protect your family in case of an emergency. Financial security comes from the knowledge that your loved ones are taken care of in case you die. You may be offered coverage by your employer, which typically pays beneficiaries one to two times your salary if your policy ends. Some cases allow you to buy more protection by a special arrangement between your company and a life insurer.

An employer might also offer disability income insurance as a workplace benefit. These policies are often referred to as “paycheck protection” and replace your income if it is lost or disabled. Disability is more common than people realize. According to the Social Security Administration, 1 in 4 20-year olds will experience a disability by the time they retire. The disability income insurance benefits cover rent, mortgage, groceries, and other expenses while you are not working.

An insurer may also work with your employer to provide long-term insurance. This insurance helps cover the rising cost of long term care services. Today, the median cost for a 1-year stay at a nursing facility is more than $90,000. The median cost for a year in an assisted living facility is over $40,000. The majority of people are unable to pay these costs on their own. These costs are generally not covered by Medicare or health insurance.

Ask your employer about benefits that are offered at work. You can find more information about employee benefits on the American Council of Life Insurers’ website.

It can be thrilling to become pregnant. There are so many things to do and so many appointments. Expectant mothers worry so much for their unborn baby that they forget to take good care of themselves.

Experts say that prenatal vitamins are vital for both mom and baby.

“During pregnancy, a woman’s body undergoes many physical and hormonal changes. She can experience things like fatigue, loss of appetite and an upset stomach, which can make it difficult to maintain the proper levels of essential nutrients needed for a healthy pregnancy,”Jay M. Goldberg MD, FACOG, is an obstetrician based in Los Angeles.

Prenatal vitamins, such as DHA, an Omega-3-fatty acid, or Folic Acid, are essential ingredients. These vitamins not only help soon-to-be moms maintain a healthy lifestyle, but also can help the baby’s brain and eyes develop.

It is important to know that vitamins do not work in the same way. There are alternatives. Vertical Pharmaceuticals LLC is responsible for the creation of the only prenatal vitamin with egg based DHA. OB Complete Gold. OB Complete gold contains OmEGGa DHA. This DHA is bio-efficient and can be found in the brain, eyes, and other body parts. OmEGGa DHA can be easily absorbed and absorbed into the body. It is distributed in easier, more efficient steps.

OB Complete Gold is available in a small softgel. It can be taken only once daily. This complete formula includes highly soluble forms of vitamins and minerals. It contains no sugar, lactose or gluten.

The supplement vitamin can be stored in a small, convenient container. This supplement vitamin is convenient for busy moms. It provides useful information, helps to keep track of daily dosages and discounts on refills. OB Complete gold is a prescription-prenatal vitamin. Ask your healthcare provider to give it a try.

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