Here are 3 of the week’s top pieces of financial recommendation, accumulated from across the internet:

Tips for empty nesters


What IS assertive communication?


Assertive communication is the ability to express positive and negative ideas and feelings in an open, honest and direct way. It recognises our rights whilst still respecting the rights of others. It allows us to take responsibility for ourselves and our actions without judging or blaming other people. And it allows us to constructively confront and find a mutually satisfying solution where conflict exists.

So why use assertive communication?

All of us use assertive behaviour at times… quite often when we feel vulnerable or unsure of ourselves we may resort to submissive, manipulative or aggressive behaviour.

Yet being trained in assertive communication actually increases the appropriate use of this sort of behaviour. It enables us to swap old behaviour patterns for a more positive approach to life. I’ve found that changing my response to others (be they work colleagues, clients or even my own family) can be exciting and stimulating.

The advantages of assertive communication baby boomers definition

There are many advantages of assertive communication, most notably these:

  • It helps us feel good about ourselves and others
  • It leads to the development of mutual respect with others
  • It increases our self-esteem
  • It helps us achieve our goals
  • It minimises hurting and alienating other people
  • It reduces anxiety
  • It protects us from being taken advantage of by others
  • It enables us to make decisions and free choices in life
  • It enables us to express, both verbally and non-verbally, a wide range of feelings and thoughts, both positive and negative

There are, of course, disadvantages… empty nesters meaning nester relationship

Disadvantages of assertive communication

Others may not approve of this style of communication, or may not approve of the views you express. Also, having a healthy regard for another person’s rights means that you won’t always get what YOU want. You may also find out that you were wrong about a viewpoint that you held. But most importantly, as mentioned earlier, it involves the risk that others may not understand and therefore not accept this style of communication.

What assertive communication is not… family life cycle marketing definition

Assertive communication is definitely NOT a lifestyle! It’s NOT a guarantee that you will get what you want. It’s definitely NOT an acceptable style of communication with everyone, but at least it’s NOT being aggressive.

But it IS about choice

Four behavioural choices

There are, as I see it, four choices you can make about which style of communication you can employ. These types are:

There are six main characteristics of assertive communication. These are:

  • eye contact: demonstrates interest, shows sincerity
  • body posture: congruent body language will improve the significance of the message
  • gestures: appropriate gestures help to add emphasis
  • voice: a level, the well-modulated tone is more convincing and acceptable and is not intimidating
  • timing: use your judgement to maximise receptivity and impact
  • content: how, where and when you choose to comment is probably more important than WHAT you say

The importance Tips  of “I” statements nesters empty

Part of being assertive involves the ability to appropriately express your needs and feelings. You can accomplish this by using “I” statements. These indicate ownership, do not attribute blame, focuses on behaviour, identifies the effect of behaviour, is direct and honest, and contributes to the growth of your relationship with each other.

Strong “I” statements have three specific elements:



  • Behaviour
  • Feeling
  • Tangible effect (consequence to you)


3. Fogging: this technique allows you to receive criticism comfortably, without getting anxious or defensive, and without rewarding manipulative criticism. To do this you need to acknowledge the criticism, agree that there may be some truth to what they say, but remain the judge of your choice of action. An example of this could be, “I agree that there are probably times when I don’t give you answers to your questions.

4. Negative enquiry: this technique seeks out criticism about yourself in close relationships by promoting the expression of honest, negative feelings to improve communication. To use it effectively you need to listen to critical comments, clarify your understanding of those criticisms, use the information if it will be helpful or ignore the information if it is manipulative. An example of this technique would be, “So you think/believe that I am not interested?”

5. Negative assertion: this technique lets you look more comfortably at negatives in your own behaviour or personality without feeling defensive or anxious, this also reduces your critics’ hostility. You should accept your errors or faults, but not apologise. Instead, tentatively and sympathetically agree with the hostile criticism of your negative qualities. An example would be, “Yes, you’re right. I don’t always listen closely to what you have to say.”

With your children out of the house, “now could be the time to surely



ramp up your retirement financial savings,” stated Trent Hamm at US News. One of the first economic actions new empty nesters ought to make is to sit down with a retirement calculator. Figure out how a whole lot you want to boom your financial savings to hit your goals, “remembering your capability to save is higher than it has been in decades.” If it really is now not the case because you are nonetheless assisting you’re grown up children, it’s time to start weaning them off any “monetary outpatient care” they have been receiving. “Start lowering the handouts now and set a cut-off date for a clean break.” Your youngsters need to master proper independence, and you need to make certain you may manage to pay for to transport on for your next stage of life as nicely.


IRA to HSA rollovers
Transferring money from an IRA to a healthy financial savings account may be a good manner to accumulate your emergency medical savings “in case you do not have other cash to make contributions,” said Kimberly Lankford at Kiplinger. People who qualify to make HSA contributions — that is, they presently have an HSA-eligible medical health insurance coverage — could make a one-time rollover from an IRA, with that money counting towards their annual contribution restriction. “By doing a rollover, you are changing tax-deferred bucks into tax-unfastened money in case you use the withdrawals from the HSA for clinical fees.

” However, when you have the method, it is better to make a contribution new cash for your HSA. “That manner, you could preserve extra cash growing tax-deferred within the IRA and get a tax deduction for the brand new HSA contribution.”

Claiming a university tax credit
The American Opportunity Tax Credit is a massive help to families paying college tuition, “but the regulations for claiming it are complex,” stated Ann Carrns at The New York Times. Families can lessen their annual tax payments by using as a lot as $2,500 per scholar at some point of the first 4 years of college if they meet certain profits requirements and the student is enrolled as a minimum 1/2-time.

To receive the full credit, a student should have at the least $four,000 of eligible charges, which includes lessons, costs, and books. Families who’ve also stored money for university in a 529 account “need to plan cautiously,” due to the fact the identical charges cannot be used to justify claiming a credit score and withdrawals from their tax-advantaged account. Taxpayers need to additionally save receipts and different information “in case the IRS asks for documentation.”