Problem: Write an article based on this summary: Work with a reliable financial advisor. Set a budget for monthly expenses. Reduce your monthly expenses. Increase your income as needed.

Answer: A good financial advisor can help you manage your life’s savings to make the most use of your money in retirement. Ideally, you may have begun working with a financial planner long before retiring. If not, it is never too late to start. A good advisor can help you plan investments, set budgets, and use your money wisely. To find a good financial advisor, ask your friends or colleagues for recommendations. You may ask the manager of your own bank for referrals as well. (In many cases, your local bank may offer the services you need.) Meet with prospective advisors and ask some of the following questions:  Do you specialize in retirement planning or management? How do you charge for your services? What is your investment strategy for someone in my position? How much communication can we expect with you? Either on your own or with the help of a financial planner, it is important to know your financial situation from month to month. You need to set a budget that accounts for all your monthly expenses and identifies the sources of income. You may have finished paying the mortgage, but you might still have car payments. You certainly will need to make payments for utilities, food and other ongoing costs. Be thorough and list everything. Compare your monthly expenses with whatever sources of income you can count on. Consider whether you will draw from a pension account, from savings, or from any other sources you may have available. Many people find that retirement means reduced income. In order to handle that and keep up a good credit score, you may find that you need to reduce your monthly expenses. Some of this may be easy, like cooking at home more often and reducing entertainment expenses. Some other reductions may be more challenging to accept but can have very meaningful and positive effects on your spending. For example, consider the following:  Cut back on an extra car. If you and your spouse have been using two cars, you may want to consider cutting back to one. This will reduce monthly insurance bills, gasoline costs, and excise taxes, not to mention car payments if you are still making them. Examine your insurance costs. Many retirees find that they may be carrying more insurance than they still need. For example, if your dependents are no longer relying on your income, you may be able to drop or reduce life insurance or disability insurance. You may also be able to reduce your car insurance by accepting higher deductible payments. Downsize your home. This may be an emotionally difficult decision if you have spent most of your life in one home. But if you no longer need the space because your children have grown and moved out, you can probably reduce property taxes, heating and utility costs, ongoing maintenance and care, and other expenses related to keeping up a big home. Reduce telephone costs. Many retirees find that they are keeping the telephone land line that has been in place forever, even though you may primarily be using a cell phone now. If you can drop the land line, you may save up to $50 each month in fees. If you set your monthly budget, and you find that your retirement income is insufficient to meet your monthly needs, you may want to consider taking on some part-time work. If you look around, there are many jobs that are well-suited to seniors with flexible hours and decent pay. Find something that fits your skill set. For example, AARP recommends the following as great part-time jobs for retirees:  Library assistant Bookkeeper Personal and home care aide Handyman Medical assistant


Problem: Write an article based on this summary: Choose a theme. Wear clothing that shapes your dominatrix identity. Choose clothing for your sub. Add furniture to your dungeon. Choose music for your fantasy.

Answer: Whether you’re imagining the eighteenth-century aristocratic sex dungeons of the Marquis de Sade or a futuristic sex lair, a theme can enliven the fantasy. While you may not want to change your entire bedroom for the theme, you can have props that help create the sense of fantasy you’re envisioning. This can include leather or brocade, a mask, a cloak, or really any thing that adds a sense of power or mystery to your play. You can work your outfit into your theme for the room or fantasy. You can choose an eighteenth-century vampire look or a steampunk goth look. It all depends on your fantasy and your identity as a dom. This can be part of the play, or you can decide together what your sub will wear during play. This can include hoods, straight jackets, and even chastity belts. Just make sure your sub is comfortable with the clothing and accessories before embarking on dominatrix play. Try a blindfold. Keeping your partner in suspense is a tool you can use as a dominatrix. They will not see what is coming next. You can choose a soft silk blindfold or a leather one depending on your style. There are plenty of options available. Sex furniture or particularly BDSM furniture can add an element of intrigue to your power plays as a dominatrix. From sex swings to cages, there all kinds of furniture for you to use in your dungeon or bedroom. You can use the furniture to tweak or enhance your theme. Whether Bach’s creepy Toccata in D Minor or something from Mozart the Rock Opera suits your fancy, you can add a layer of sensuality, power, or creepiness through the use of music. Music can enhance emotions and sensuality as you enact your fantasy. Avoid music that distracts, though.


Problem: Write an article based on this summary: Apologize and admit it if you were wrong. Give them some space. Ask what you can do to make it better.

Answer:
Only after validating your friend's experience and feelings should you move into making amends. Tell them you're sorry and ask for their forgiveness.  Say, “I'm really sorry I embarrassed you. Can you forgive me?” The apology is most likely to be successful if you speak in a soft and sincere tone of voice, and make eye contact the whole time. Only apologize if you feel like you were actually wrong. Otherwise, your apology will be insincere. In some cases, your friends may need a little time before they can completely mend fences with you. Don't jump the gun and expect that things will be back to normal simply because you apologized. Let them have some time to get over the situation so that you can start fresh. If the situation happens to be a misunderstanding in which you didn't do anything wrong, time apart may help both sides to see the situation more clearly. That way, you can move past it more easily. Go to your friends and see how you can resolve the situation so that your relationships don't suffer. Be open-minded about what they may suggest. Also, be willing to put in some effort and meet their demands. For example, if you told a secret, your friend may request that you never do that again. They may also ask that you earn their trust again by showing that you are loyal.