European Stars and Stripes (Newspaper) - July 8, 2007, Darmstadt, Hesse                              Page 22 stars and stripes Mideast edition july 2007 your Money Peop h i Tatt heavily inked citizens Are looking to rid workplace of the Tattoo taboo by Harry Wessel the Orlando Sentinel Russell Parrish would like a better he manages his a theri Laws Small but other prospective employers wont even give him let alone by his Hes been turned Down for More than two dozen jobs in the last couple of and Hes pretty sure he knows it comes Down to skin said Par who has dozens of tattoos that cover his Torso and i want a career i want same the shot As everybody who lives with his Victo in Lake feels strongly enough about his plight and that of other heavily tattooed people that he has started an advocacy group to fight for their employment in not doing this for anybody but the people who want careers and Are unable to get he he reports receiving literally hundreds of supportive Calls from the Tattoo comm though he acknowledges having Little Luck in getting legislators or government officials to listen to his complaints of disc rim his complaints have Merit on one employment lawyers there is no doubt people with visible Tat Toos suffer workplace but its Legal said Gary Wil a Winter employment Law among the categories covered under fed eral and state discrimination Laws Are i women and those with certain Dis Wilson but not those who choose to have body Art permanently inked on their the one exception would be a Tattoo placed for religious but that claim Seldom gets very the equal employment Opportunity commission takes claims of religious discrimination and it recognizes that some religions and sects require Tat Toos for their said Leoc spokes Man James but claimants must have a sincerely held religious and what is a sincerely held religious belief conies under he far More Likely to be a form of self expression than an aspect of religious Are More common than Ever in the thirty six percent of those Ages 18 to 25 and 40 percent of those Ages 26 to 40 have at least one according to a fall 2006 Survey by the Pew research but tattoos dont become an employment Issue unless they Are and Many workers with body Art on their torsos or upper arms have no trouble keeping their tattoos to a More detailed sur vey by Northwestern University depart ment of dermatology in 2004 reported that More than half of those with tattoos had at least one that was in an exposed area such As an ankle or but even most exposed tattoos can be covered with Long Long sleeved shirts and other work appropriate and that what usually Walt Disney sea world Orlando and Walmart stores for All have written policies that apply to visible Tat and even those Are not necessarily ruled Disney says employees cant use bandages to cover such but they can use opaque sea world specifies Large or offensive Tat and adds that tattoos will be evaluated on a Caseb Case Walmart says tattoos that Are offensive or distinctive Are to be covered by clothing or other where Russell Parrish once worked As an Alligator will hire qualified employees with visible said the Parks human resource Bonnie Van but any and All tattoos must be covered up when working with the Russell Parrish of Lake pictured with his is a former Tattoo studio owner now looking for a More traditional but he has grown frustrated in his attempts to find a he is organizing an advocacy group to fight for greater tolerance for those with visible Tat George Orlando she we dont want to Ever insult a for who worked at Gator land for three months in that meant Don Ning a heavy gloves and a double uniform top with a shirt underneath so nothing showed when he wrestled for Clint a 33yearold respiratory therapist at Winter Park memorial it simply Means wearing Long sleeves and Long pants at heavily tattooed since his Days in the Womack said his body Art has caused few problems for his he acknowledged being More vigilant about keeping his arms covered when he first started working at the Hospital four years but once you prove your Capa it Doest become an i run into some people at work who Are not necessarily but there in no Posi Tion to do see Tattoo on Page 23 saving 10 for retirement it might not be enough by Eileen Alt Powell the associated press new York it has Long been taken for granted that if you save 10 percent of your income through your working youll have plenty of Money for a comfortable now experts Are beginning to suggest More is needed because inflation continues to nibble away at spending health care costs have soared and today workers Are living much longer than their the need to save More is not a message most americans want to hear especially since the nations savings rate has been Nega Tive since the second Quarter of meaning that people Are spending More than they earn and either digging into their Sav Ings or building up their the most recent government data shows the savings rate at a Nega Tive percent of personal in come in the 10 percent savings goal May still work for a very Small group those who Start putting Money aside for retirement in their Early 20s never said Dallas chief executive officer of the nonprofit employee Benefit research Institute in if somebody starts when they get their first Job and they save give or take 10 percent for 45 years by most any they will have accumulated enough Money so they wont run out of Money before they Nan out of he but the Salisbury is that most people dont make saving for retirement a priority when there that nor Are they that the mantra has always been about starting to save Salisbury people dont naturally flip that and wait a if that Doest it mean that if i Start i have to do a whole lot More to catch up the reason is that someone who starts saving later Doest get full advantage of the compound ing of interest Over so someone who starts saving at 40 probably needs to set aside More than 20 percent of while someone who starts saving at 50 May be looking at 35 per cent of he those figures May seem outrageously but Salisbury Points out that Many people can expect to spend 20 or More years in re retirement calculators at the Ebri sponsored site help families evaluate their individual Situ Bruce vice pres ident for product development with mrs investment manage ment of said another Way a worker can try to determine How much to save is by projecting How much he or she will Likely spend in there Are two schools of thought on projecting these so called replacement he one suggests people Are Likely to spend in retirement the equivalent of about 70 percent to 80 percent of the income they earn in their final five working the calculations take into account not Only social Security checks and pensions but also 401 k retirement plan payouts and personal the other suggests people May need 100 percent or More a goal Harrington believes is More Harrington suggested workers should set up an age appropriate savings workers in their 20s or for might consider opening an individual retirement a workers can put up to a year of pretax Money into these and their Sav Ings grow tax deferred until there withdrawn in those whose employers Spon Sor defined contribution retire ment like 401 k or 403 b can Start by putting in 3 percent to 4 percent of their salary and stepping up the savings Pace every six months or 12 he