Q: My spouse and I are debating whether we have enough life insurance and also what type we should consider getting if we need more. Can you please help us better understand our options?
I remember the first time I thought something was very different about me. I was 9 years old, practicing my violin for an upcoming competition and the pressure to perform perfectly loomed. I spent hours alone alternating between crying (at how beautiful the music was) and screaming out loud at myself how horrible I sounded whilst hitting my bow against the music stand (luckily I didn’t break my bow). Somehow, I was aware this wasn’t quite how “regular” people dealt with stress, and though I knew it was odd that I often went from zero to a hundred in a matter of seconds, I didn’t know how not to. Growing up, I was continually told I was “highly sensitive” and needed to “develop a tougher skin.” My erratic behavior was seen as an eccentric artistic temperament — and as a child, much was forgiven. In my teens, it was teenaged angst, and occasionally, when I went too far, I was grounded or got detention. I learned how to cope, but the raging storm inside my brain never quite subsided.
The past few weeks have been a whirlwind of dirty diapers, spit-up and endless screaming (mostly from the baby, sometimes, maybe, us too, a little). Perhaps our vomit-soaked shirts and glassy eyes have labeled us as in need of advice, but Ashlee and I have been bombarded with tips from just about every side, some of which we’ve heeded and others we’ve politely gritted our teeth and smiled through. Perhaps the best piece of advice we’ve gotten came recently from one of my coworkers, who lamented just how frustrating parental advice can be: “Just do what works best for you three. Everyone else can go f*** off.” For a bewildered first-time parent, that was just the shot in the arm I needed.
In April 2015, a year before the U.S. Departments of Justice and Education under then-President Barack Obama issued guidance to public schools clarifying that Title IX protected transgender students, a school district in Virginia faced a dilemma: A fourth-grade student transitioned.
Q: I understand that the mutual funds in my 401(k) plan charge me fees. But it’s not clear to me how much or what those fees are for. Can you please help me better understand this?
A: As part of your retirement plan, you should receive regular disclosures about the fees you are charged, including those charged by the fund companies in which you invest. Here’s a bit more information specifically about fund fees that may be helpful:
LGBTQ parents, as a whole, are pretty awesome. We raise our children as successfully as anyone else (as decades of research has proven), often in the face of marginalization and discrimination. LGBTQ parents are having an impact in the wider world too, some in very visible ways. Let’s meet a few of them.
Recent reports say that 0.7 percent of teens identify as transgender. At the same time, a recent study from the American Academy of Pediatrics (AAP) reports that 50.8 percent of trans-masculine people attempt suicide, with gender-nonconforming people doing the same 41.8 percent of the time, and 29.9 percent of trans-masculine people also attempting to kill themselves.