The Five W’s of Emergency Savings

Regardless of your stage in life, one of the fundamental building blocks of a solid financial plan is emergency savings.According to a 2014 Bankrate survey of 1,000 U.S. adults, 60 percent of Americans could not afford to pay for most unexpected expenses. Without an...

“Step-Up” Your OPERS Benefits

The 2.5% Step-Up Program allows members to increase their retirement benefits by paying an additional member contribution each pay period. Currently, that additional contribution is 2.91% of your compensation and is subject to change.The additional Step-Up...

Identifying and Managing Stress in Your Life

Stress is a normal psychological and physical reaction to the demands of life. EFFECTS OF STRESS…  …on your body • Headache • Back pain • Chest pain • Heart disease • Heart palpitations • High blood pressure • Decreased immunity • Stomach upset • Sleep problems...

Debt and Its Impact on Retirement Savings

According to the Employee Benefit Research Institute, nearly 82% of baby boomers (ages 55-64) are carrying significant debt loads. What does this mean for your retirement? Quite simply, the dollars going toward debt are not going toward your retirement security.Why...

Protecting Your Personal Information

Every account you maintain – bank, credit card, even Netflix – has a unique account number that identifies you as a member. The same is true at OPERS. Every member has a unique identifier and you can find this number on most pieces of communication received from...

Reviving your New Year’s Resolution

Did you set lofty goals for the New Year only to fall back on old habits? Have your good intentions for a healthy 2017 begun to wane? Your friendly writer finally polished off the last of the holiday sweets, but I’m not waiting for next January to give it another...
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