Anda tentu terkejut saat membacanya, bukan? Anda pasti sedang bertanya-tanya apa hubungan antara seks dan pekerjaan?
Studi yang dilakukan di Inggris ini menggunakan data dari 7.500 pekerja asal Yunani. Pemimpin studi, Dr Nick Drydakis, mengatakan kepada Metro.co.uk (20/4): Teori Hirarki Kebutuhan Maslow mengklaim bahwa individu yang lebih bahagia dan puas pada hidupnya, menjadi lebih produktif dan sukses dalam pekerjaan, yang diterjemahkan dengan upah yang lebih tinggi.”
Studi ini menyimpulkan seseorang perlu untuk dicintai dan mencintai, baik secara seksual atau non-seksual oleh orang lain. Dr Nick menambahkan bahwa bila tidak adanya unsur-unsur itu, seseorang mungkin jadi lebih rentan terhadap kesepian, kecemasan sosial dan depresi – semua faktor yang dapat mempengaruhi karir seseorang.
Current debts typically would include a mortgage, auto loan, credit card balance and other personal loans. Depending on how your finances are organized, you may not need to include all of these loans when calculating your life insurance needs. For example, an outstanding mortgage should usually be accounted for in your life insurance death benefit, as you don’t want your family to have to move following your death. On the other hand, if you don’t live with a partner, your children have their own homes and your house’s current value is greater than your outstanding mortgage balance, you may not need to include it.
It can be challenging to determine how much life insurance you would need as income replacement, as an accurate figure would require you to evaluate your family’s ongoing expenses, future expenses and savings plan. You can do a simple approximation by adding the following figures together:
Children: Estimate the amount of money you spend on children (the average is around $13,000 per child per year, though this figure varies by age). Multiply this figure by the number of years until your children move out.
Spouse: Subtract the cost of your children and mortgage from your annual household budget. Multiple this figure by the number of years you would expect your spouse to live. For reference, a woman that is currently 35 would be expected to live to 86, according to the Social Security Administration, while a 35-year old man would be expected to live to 82.
Since this is an approximation, the figure you come up with is likely higher than your family’s actual needs. However, you still need to account for your family’s upcoming expenses. These may include the cost of sending your children to college, your spouse purchasing a new car, paying for an elderly parent’s long term care or even helping fund a child’s wedding.
Typically, education costs are one of the largest expenses that needs to be accounted for when purchasing life insurance. According to The College Board, the annual all-in cost (including tuition, fees, room and board) of sending a child to college this year is:
$20,090 for a public in-state college
$35,370 for a public out-of-state college
$45,370 for a private nonprofit college
By adding together your current debts, income replacement needs and future financial obligations, you have a figure that represents the maximum amount of life insurance you might need.
How to Calculate Your Assets
The next step is to add together your assets and other sources of income. This figure will be subtracted from your total financial obligations in order to determine your actual life insurance needs.
When adding together your current assets, you should include brokerage accounts, savings accounts and any existing life insurance policies. However, you should exclude retirement accounts, such as a 401(k) or IRA.