If an employer does not offer a retirement plan, what might be another way to save for retirement

The paced decision model is a tool that can be used in a variety of situationsit should clarify one's alternative and criteriapaced decision-making processused to solve problems in a rational, systematic way- state the problem- list the alternatives- identify criteria- evaluate alternatives- make a decisionstep 1 - problem: the first step is to state the problem. what car should i buy? step 2 - alternatives: list some likely alternativesstep 3 - criteria: the next step is to establish criteria - what is the most important to you. (these criteria need to be state din positive terms, i.e., stated as you what you want.) ex costs less than $4000; gets at least 25 mpg,; seats at least 4; has ac;   step 4 - evaluate each alternative by comparing it to criterion. if an alternative meets a criterion, pus a + in that box - if not put a -. at the end look to see which alternative meets your most important criteria. (some criteria will be more important than others. those may be given greater weight. and, if an alternative costs more than $4000, it probably won't matter if there is a + in all the other boxes.)step 5 - decide: based on the insights gained, make a choice. be sure to explain that it won't always be the one with the most +'s - since some criteria count more than othersthe strength of this tool lies in the ability of each student to determine their own criteria for evaluation 

answer

the most effective ways of dealing with and reducing stress could be; listening to relaxing music, yoga, aromatherapy and meditation

explanation

when stress is effectively managed, it the effect stress has on a person’s life so they can be productive, happy and healthier. it is vital to identify the source of stress to be able to manage it. some stress management tips are keeping a positive attitude, practicing relaxation techniques, exercising regularly and eating healthier.