Saving Enough for Retirement as a Nurse.

How to Make Sure You are Saving Enough for Retirement as a Nurse.

If you are a professional that is earning either from employment or self-employment then you should learn how to make sure you are saving enough for retirement as a nurse. Most n are good at saving and most of them are actively saving for their retirement. Saving starts with just a mental decision. This requires nurses to have an educational session about financial planning, investing, and saving. The more empowered they are the more they can control their finances in the future.

It is recommended for nurses who do not like having financial plans to start by saving little by little and with time it’s possible to handle the small financial issues and clear financial mess and focus on bigger issues such as retirement, major purchases, and even college education plans for your kids.

It is advisable to start by saving 15% of the nurses’ salary every year for their retirement.

For nurses in their mid-30’s or later who have not started any financial planning, they need to know it’s not only about saving but also setting specific financial and retirement goals. It is in this particular age range that issues such as college planning, housing expenses, retirement, and child care start to come about.

Guide on How to Make Sure You are Saving Enough for Retirement as a Nurse

1.Create time to plan

Research shows that some nurses lack confidence in their financial decisions hence making them fail to create time to focus on them. It is not a difficult activity because it requires one to have yearly financial figures.

2.Write down your financial goals

It is recommended to note them down because it helps one to visualize and identify their accountability. It’s also good to check the timeline you have set to achieve your goals.

3.Check retirement readiness

It is required for one to check their retirement scores to be able to track their savings goals. After getting feedback on various concerns you can tell whether the progress is good or needs improvement.

4.Get guidance at work

Research from your employer about the financial resources they offer then create time and schedule a session to discuss financial goals and retirement readiness with a financial professional.

5. Know when to retire

Nurses have always worked beyond the traditional age of retirement. It is believed that when preparing for retirement, age is an important aspect to consider when making some decisions. It is important to understand what you are eligible for and at what age.

There are many factors that nurses need to consider as they prepare for retirement. They need to look carefully at their job situation, health, family obligations, lifestyle needs among others. The majority of the employers offer financial guidance as a free employee benefit but most nurses who are eligible for free workplace guidance don’t take advantage of that. However, it’s important to be guided since it can lead to one having a plan.

Avoiding Mistakes

There are several mistakes that nurses can make when planning retirement like taking a loan from a retirement which is a huge mess. Nurses should borrow from their workplace retirement savings only as a last option because these loans have to be paid.

Professional development for nurses

Professional development for nurses

Nursing Professional Development is a specialized nursing activity that facilitates the professional roles, development, and growth of nurses and other healthcare personnel. Continuing Professional Development(CPD) is a term used to describe the learning activities professionals engage in to develop and enhance their abilities. CPD enables learning to become conscious and proactive rather than passive and reactive. CPD is an important foundation of long-life learning and assists nurses maintain their competence to practice their skills. Research on CPD states that engaging nurses in CPD planning results in positive learning.

Nursing personnel constitute the largest group in healthcare today. Healthcare organizations understand the importance of retaining competent and confident nurses, who can adapt and meet the rising demands of providing safe and effective care for complicated patients.

The nursing workforce experiences an inflow of millennials and a large exit of retiring baby caregivers, leading to loss of invaluable expertise and staff shortage.

Importance of Professional Development for Nurses

Well-performing organizations recognize the importance of professional development strategies for new nurses.

It promotes improvement for nurses such as patient care and population health.

It recognizes the impact of nurse competency and patient satisfaction and results.

Professional development supports nurses during pandemics by providing chances to learn about managing new diseases and patients in critical condition.

It is therefore important for organizations to prioritize professional development across every nurse’s different career stages. It is wise to consult professional development organizations as a way to accurately have the results of the development plan.

Components of nursing professional development.

1) Dedicated professional development resources for nurses- to have an organized ongoing professional development to be able to allocate proper resources for long-life learning. This is done by meeting the professional development requirements of nursing staff. An individual serving as a Professional Development Practitioner impacts an organization’s goals by ensuring staff is providing safe and effective care to patients. The role of the professional development practitioner is engaging nursing leaders across the organizations to embrace clinical results.

2) Customized professional development plan for nurses throughout the career lifespan- Nursing professional goals differ during the career lifespan.

Nursing professional development leaders have a difficult task to meet the major requirements of the organization by preparing new nurses to get ready for safe and independent practice while enhancing competency for all staff nurses. All nursing career stages matter a lot and if the experience of a newly hired nurse feels unsupported a turnover can be considered.

3) An effective measurement system process in place to identify areas of improvement for nurses-

Healthcare organizations can promote a high level of clinical personnel by providing learning opportunities to enforce knowledge and skills for professional growth. Engaging nurses in their personal and professional growth is a unique plan that matches the needs of a professional development organization and positively impacts the patient as well. Most organizations offer learning opportunities to their clinical personnel. It is therefore important to ensure nurses including newly hired nurses are aware of these opportunities.

There are several ways that organizations can meet the continuum learning needs of their clinical personnel:

  • Tuition reimbursement.
  • Encourage participation in local, national, and international nurse associations.
  • Providing indoor continuing education opportunities.
  • Offer access and review for targeted literature.

Job satisfaction for mid to today career nurses will be influenced by nursing professional development plans that include:

  1. Opportunities to be recognized for their experience and achievements.
  2. Leadership training and managerial courses.
  3. Ability to choose their continuing education opportunities.
  4. Retirement planning.

Sample Paper

0.over the years, even after the Emancipation, have become even more daunting. Houston Hartsfield framed it even grotesquely, that “The colored people did not know how to be free, and the white people did not know how to have a free colored person about them.” Even in the aftermath of Emancipation, distrust, violence, and horrid conditions remained the common plight of the freedmen. A lot of reconstruction work went into bridging the gaps and making race relations normal for many years with no avail. The Civil Rights Movement led by Rev. Martin Luther King in the 1960s at least made considerable progress, but among poor African American populations, discrimination and racial prejudice remain the hallmark of their American experience. In underscoring the plight of the freedmen, it is important to highlight the bleak institutional systems and the legal frameworks as well as the economic circumstances of the freedmen.

The Role of the Freedmen’s Bureau

The U.S. Bureau of Refugees, Freedmen, and Abandoned Lands was created by the U.S. Senate as the first major form of social welfare plan to resettle and give oversight for the incorporation of about 4 Million African American freed slaves. Popularly known simply as the Freedman’s Bureau, the institution did much to offer support, build schools, establish Black Churches, and advance resources to the African American freed slaves during the reconstruction era. The transition from slavery to freedom was characterized by unprecedented suffering and destitution among the slaves because they were unwelcome in the predominantly white neighborhoods they called home. The most recognizable contribution was the setting up of about 1,000 schools for the black community. The organization also funded the education of teacher training institutions to the tune of about $400,000. These institutions trained teachers for the African American communities.

Freedman’s Bureau employed agents who worked as legal representatives of the freedmen in the southern states where most of them remained confined. The institution also assisted the freedmen to reconnect with family members and community, which were largely hampered by the war. The Bureau only controlled a limited section of land, which could have been sufficient to the sentiment and economic welfare of all the 4 million freedmen. However, its operations were restricted because Sothern states still wanted a duplication of conditions similar to what existed as slavery and did everything within their powers to reduce the freedoms and privileges. While mediating between the former masters who rebuilt their farms with the freedmen, the Bureau enabled a great many to return to work for the planters for a wage contract. The organization also advocated for new relations based on worker and employer free-market prototype on behalf of the freedmen. Intensely criticized for promoting laziness among the freedmen, and faced with budget cuts, the Bureau was in a precarious position to advance its campaign and soon ended its support.

The Subordinate State of Freedman’s Plight under the Black Codes

The Black Codes were specific laws passed in the United States, specifically to regulate and govern the conduct of the African American freedmen. Between 1865 and 1866, these laws were adopted by the Southern States to compel African Americans to take unrewarding jobs of poor wages. In the northern states, these laws had existed prior because escaping Black slaves fled to the states of the north, where slavery was not institutionalized. The essential contribution of these laws is that they entrenched inequality and disadvantage in terms of economic and political privileges conferred on the African American people. Most of these laws scuttled the right to education, the right to vote and these laws in their diverse forms targeted many personal freedoms among the Black Community.

Although slavery had been abolished, these new laws restricted the movement of African American freedmen, which predominantly kept them in the Southern States. Most of the northern states enacted laws to restrict the settlement of the Black Community. The consequence was that the same horrid conditions and environments that had enslaved the Black Community became the trap after freedom. In those Southern States, a predominantly agricultural economy still existed nothing much of the industrialization in the Northern States, which could provide meaningful opportunity. Back Codes stipulated vagrancy laws, which allowed local leaders to arrest freedmen found with any minor infractions and put them back into forced labor. The convicted freedmen also faced even far humiliating conditions if they were leased to established aristocrats for labor by the authorities. Subordination occurred naturally because of the confluence of legislative forces, restricted movement and unprivileged social and political conditions among harsh and exploitative masters.

The Labor Opportunities Designated the Freedmen

Restricted in the Southern states with an agricultural economy, most of the freedmen went back to work in the farms for a small wage to set up autonomous homes within the farms. Although a few started small businesses from these menial jobs earnings, they primarily supported a hand-to-mouth way of life. Moreover, the highly restrictive annual labor contracts ensured the freedmen were still trapped to compliance and supervision by their employers on the farms. What also came about the new conditions is that they were more restrictive, pitting freedom as a mere mirage. Farm work involved the cultivation of crops and tending to animals. They still worked in the stores and processed farm produce for a small wage. The comprehensive Black Code made every specification as to what social or political rewards the African Americans could obtain from the Emancipation Proclamation, and during the Reconstruction, their plight was always bleak.

Freedmen worked as household servants, and these tasks were mainly for women. A great number worked predominantly in farm-related jobs with a small wage to construct autonomous livelihoods. However, the little earnings were insufficient, and their plight always remained precarious and vulnerable. Only a few African Americans who obtained education at an early stage could work secretarial work, and office assistance within the farms and their wages were still limited, and the conditions of work harsh as a result of the still legislations and unfavorable contractual agreements.

The Contract Arrangement forged for the Freedmen under the New System

The federal government provided a suitable plan and procedures for the establishment of a self-sustaining and thriving community among the freedmen. Nonetheless, contrarian forced, particularly in the South, rivaled the provisions and tended to defeat the intended purposes of the settlement. The freedmen were forced to sign an agreement for shared support from master-like white neighbors. Due to the ever-present violence and hostility, the freedmen were compelled to sign annual labor contracts to be able to fend for themselves and to have the legality of their existence as free or they would face the still force of the law on the basis of vagrancy laws. Moreover, very stiff penalties against theft kept most of the freedmen in the legal system. Labor was still the single most important resource the freedmen could expend to sustain their existence on the farms. Although the proclamation of Emancipation granted freedom, it changed the situation, which had committed the African American to the domestic economy of the farm for survival. After Emancipation, extracting any benefits from the very farms they worked would be dabbed a theft and serious consequences resulted.

The Essence of Sharecropping among Freedmen

Freedmen preferred sharecropping because they largely did not find security and a supportive social and economic structure to settle and progressively develop their communities. The perpetually precarious existence in America forced a great number of them to rely on the white neighbors through signed arrangements of protection and care to avoid the sudden adversity of a precarious existence. The elusive promise of freedom only afforded some form of medical aid, settlement, and some direct transfers. In these kinds of conditions, freedmen considered being tenant farmers because they did not have any land to cultivate and make a meaningful income. The lack of land and equipment or farm tools to do their own work compelled the freedmen to volunteer to work on farms of their masters in exchange for a disproportionate share of the harvest as compensation.

Labor Conditions during the Reconstruction and the Current State for African Americans

During the Reconstruction, the government provided certain kinds of welfare safeguards, which have been hailed as the first American welfare program dabbed the Freedman’s Bureau. Under the program, many initiatives to build schools for the Blacks was achieved and a good number of teacher training institutes opened for them to train them to become civilized, and employable. However, the target professions out of these educational programs were not highly rewarding professional jobs like doctors or engineers. They were to fit in the positions at the west end in the labor market designated to the less politically and economically represented in the hierarchical social structure. Even more appalling was the sudden insecurity and occasional violence because of vagrancy laws, which made the White pupations terror-stricken. As contrasted to today’s scenario, African Americans enjoy favorable fruits of progress and developments attained in the Civil Rights Movement, which has considerably changed the conditions of many.

The African Americans after Emancipation settled into unskilled menial labor that predominantly did not yield much better welfare compared to the dominant white population who held most of the landed property and businesses. The composition of the labor system has changed very minimally as most of the African Americans over the years lived in seclusion within inner city ghettos where their rate of access to schooling has been disproportionately poor compared to the other ethnicities. Although American economy has grown significantly and the society is largely transformed, the hierarchal process defined in terms of race and ethnicities largely characterize most American cities and communities with the African Americans occupying the lowest position. While incomes have generally improved over the years, the incomes of the African American population show a stark disparity within recent surveys, which attest to low privileged position as a community.


The African Americans did not know how to adjust to freedom because whatever they thought was freedom was even more sinister. One commentator termed the Emancipation Proclamation by President Lincoln as “worse than failure and tantamount to serfdom.” In many circumstances, the freedmen had to work as more under very unpredictable circumstances and under very restrictive laws to survive. The plight of the African American slave did not change significantly despite the many years of freedom after the Emancipation Proclamation of 1863. Part of the reason was that Emancipation did not confer landed property to the freedmen to enable them attain full freedom like equal citizens. Moreover, Black Code laws ensured they were predominantly restricted to live in the southern states with only a predominantly agricultural economy. The freedmen had to sign annual labor contracts as a way of keeping their freedom and to evade stiff vagrancy penalties.

Works Cited

Barber, Stephen P. “In His Own Words: Houston H. Holloway’s Slavery, Emancipation, and        Ministry in Georgia by Houston Hartsfield Holloway.” Journal of Southern History 83.2            (2017): 420-422.

Litwack, Leon F. Been in the storm so long: The aftermath of slavery. Vintage, 1980.

Lynch, John Roy. The facts of Reconstruction. Neale Publishing Company, 1913.

McPherson, James M., James M. McPherson, and George Henry Davis. The struggle for equality: Abolitionists and the Negro in the Civil War and Reconstruction. Vol. 72. Princeton University Press, 1964.

Rable, George C. But there was no peace: The role of violence in the politics of Reconstruction. University of Georgia Press, 2007.

Robinson, Cedric. “A Critique of WEB Du Bois’ Black Reconstruction.” The Black Scholar 8.7   (1977): 44-50.

Wilson, Theodore Brantner. The black codes of the South. No. 6. University of Alabama Press,    1965.

[1]. Barber, Stephen P. “In His Own Words: Houston H. Holloway’s Slavery, Emancipation, and Ministry in Georgia by Houston Hartsfield Holloway.” Journal of Southern History 83.2 (2017): 420-422.

[2]. Robinson, Cedric. “A Critique of WEB Du Bois’ Black Reconstruction.” The Black Scholar 8.7 (1977): 44-50.

[3]. Wilson, Theodore Brantner. The black codes of the South. No. 6. University of Alabama Press, 1965.

[4]. McPherson, James M., James M. McPherson, and George Henry Davis. The struggle for equality: Abolitionists and the Negro in the Civil War and Reconstruction. Vol. 72. Princeton University Press, 1964.

[5]. Litwack, Leon F. Been in the storm so long: The aftermath of slavery. Vintage, 1980.

[6]. Rable, George C. But there was no peace: The role of violence in the politics of Reconstruction. University of Georgia Press, 2007.

[7]. Lynch, John Roy. The facts of Reconstruction. Neale Publishing Company, 1913.

Education Resources for New Nurses.

Education Resources for New Nurses.

Thanks to technology, education resources for nurses has gotten better and more efficient. To begin with there are several tools set aside for nurse educators to use as they train nurses. These include:

  1.     Classroom Tools: this entails videos and presentations to show to students.
  2.     Instructor Modules: guidelines for educators to use to inspire learning nurses.
  3. Course Adoption Program: this program credits nursing schools that have completed their coursework.
  4.     Desk Copies: these are available for instructors who need to introduce course titles.

Different Education Resources for New Nurses

1) Learning Nurse Resources Network

This is an online professional development centre for nurses at all levels and educational backgrounds. For the nurses pursuing a nursing degree online, this is a great website that provides independent and free resources. To maintain and continue education for nurses, the website is divided into three main sections which are the assessment section, an e-learning section, and a library section.

The assessment part of the website contains apps, quizzes, and nursing games for students. The e-learning section complements the assessments by providing an online space to learn new skills through courses and modules. Finally, the library entails professional development advice, nursing articles, and helpful links to other resources.

2) American Nurses Association

The Educational Resource Center of the American Nurses Association (ANA) is an online portal meant to provide learning resources for continuing nurses. This organization provides a good number of sheets and tips covering topics that relate to the nursing profession. ANA publishes three nursing periodicals namely: The American Nurse, American Nurse Today, and The Online Journal of Issues in Nursing(OJIN). These medical journals cover a wide range of topics about the nursing industry.

3) Health Resources and Services Administration (HRSA)

This organization works to ensure that all nurses have access to the wide spectrum of public health services. They have several bureaus that are working to provide medical education to professionals in various fields. Within the HRSA, the Bureau of Health Workforce works to address shortages of basic care physicians, dentists, nurses, and other healthcare professionals in The United States.

The bureau also provides scholarships and loans to encourage nurses to work in disadvantaged communities. If you’re pursuing a nursing degree online or in a traditional setting, you can find loans and scholarships to help you continue your education and find the right first job after you graduate.

4) The Nursing and Allied Health Resources Section

This website shares links to a multitude of resources for nurses including lists of e-books, nursing websites, dissertations, anatomy resources, and much more. The site itself is a great platform for nurses looking to build up online nursing resources. This platform has links to style and plagiarism guides, powerful tools for those who don’t have the hard copies. For those currently undertaking an online nursing education, this resource is very important in helping you research and write papers.


This website also includes educational and professional advice, together with career resources. is a consistent and innovative space for nurses to develop professionally, learn relevant skills and read upcoming news.

In addition, provides several financial aid links and resources for continuing your education. If you are attending a university currently or plan to in the future, this resource is crucial to help you learn about nursing education and nursing leadership opportunities.

The Best Stethoscope that Every Nurse Needs

The Best Stethoscope that Every Nurse Needs

In the vast ocean of medical equipment, you’ll find the best stethoscope that every nurse needs. As a nurse, there are several pieces of equipment that you need to have at work. The major one that you need is a stethoscope so we have different types of stethoscopes and factors to be considered when purchasing a stethoscope. Besides, there are major anatomies of a stethoscope. These are the common differences in a stethoscope.

 Stethoscope Anatomy Types

1.Dual-head -A dual head stethoscope has two listening parts i.e the diaphragm for listening to high-pitched sounds and the bell to hear lower-pitched sounds.

2.Single head /acoustic– these stethoscopes allow diagnostic procedures of high and low pitched sounds based on the amount of pressure applied to the head. Low-pitched sounds can be heard with the stethoscope diaphragm and are easily converted to high-pitched sounds when pressure is applied to the stethoscope head.

3.Digital /electronic-these stethoscopes allow the atmosphere noise filtration and heart and lung sound recordings. These stethoscopes are quite expensive and are not superior to dual or single head stethoscopes.

 Types of Stethoscopes

a)3M Littmann 6152 Cardiology IV Diagnostic Stethoscope. Its features are:

Adjustable diaphragm has 9 different colors, has no natural rubber latex material, has a double-sided chest piece, tubes retain their shape after folding, Snap-tight and soft-sealing ear tips.

The patient feels comfortable with a non-chill rim. This stethoscope has a 7 years warranty.

  1. b) MDF Acoustica Deluxe Lightweight Dual Head Stethoscope. Its features are a lifetime warranty, light in weight, 3 pairs of comfort seal ear tips, dual-headed aluminium chest piece, and efficient sound performance.

c)3M Littmann Classic III Monitoring Stethoscope 27 inch 5803. Its features are: effective for both pediatric and adult patients, the headset is easily adjustable, can be used in all critical and non-critical environments, has no rubber latex material, has a 27 inches long tubing, the diaphragm is easy to clean, variety of colors, can monitor the heartbeat and detect all the normal or abnormal sounds.

d)3M Littmann Lightweight II S.E. Stethoscope 2450. This stethoscope is soft, flexible, and quite smooth. It’s nice on the skin around your neck and doesn’t get sticky like other stethoscopes can be at times.

  1. e) ADC – 618SF Adscope Animals 618 Pediatric Clinician Stethoscope. Its features are: AFD technology, chest piece made of Resin material, has additional soft dual-ear tips, has 7 animal face snap-on, has a storage pouch, is 30 inches long, and has a lifetime warranty.

f)White Coat Dual Head Stethoscope. Its features are: it is a dual head, has improved acoustic performance, has a durable quality, has a storage pouch, a LED pen, and a lifetime warranty.

Factors to Consider When Buying a Stethoscope.

1.Tubing- A large-sized stethoscope tube is good in monitoring adults whereas a small size is used to monitor children.

2.Diaphragm-AFD technology makes the diaphragm adjustable. That means that if pressure is applied to it, the sound is heard clearly and if no pressure the sound is usually low.

3.Chestpiece type-Non chill rim containing chest pieces are the best because they will not affect the sensitivity of your skin.

4.Material used- ensure the stethoscope you are about to buy is not made of natural rubber or latex because most people are allergic to it.

5.Warranty card- Nursing requires full-time attention hence tools the students use should have at least 5 years of warranty.

6.Eartips- Silicone ear tips are the best since they seal the unnecessary sounds from disturbing the process of the diagnostic procedure.