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Month: June 2021

Understanding the different parts of Medicare

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Three Key Medicare Decisions “While not an overly complicated benefit, initially signing up for Medicare can be an overwhelming and anxiety-inducing process” according to John S. Traynor | Jun 16, 2021 quoting from his article: https://www.wealthmanagement.com/retirement-planning/three-key-medicare-decisions Part A (hospital coverage) covers things like inpatient hospital stays, some home health care, skilled nursing facility care and hospice; requires…

Free Legal Forms Online

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 While geared toward college students, the following online forms can be helpful at all stages of adult life. Free high-quality legal templates and information are provided online by FormsPal.com Last Will Template Bill of Sale Vehicle Bill of Sale Living Will Power of Attorney Forms Fillable PDF Forms Internal Revenue Service (IRS)    U.S. Citizenship…

Just say no to Extended Warranties for Cars

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Extended Warranties for Cars Are ‘Fraught With Peril for Consumers’ “While reputable options exist, the robocalls are almost certainly scams, an industry group warns. And for consumers who feel they have been ripped off, there is no guarantee anyone will help” writes Christopher Jensen for The New York Times. “vehicle service contracts — are “fraught…

What’s the Deal with Social Security for Women?

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 What’s the Deal with Social Security for Women? is a new book by Marcia Mantell.   The following is quoted from: https://www.barnesandnoble.com/w/whats-the-deal-with-social-security-for-women-marcia-mantell/1133342938 “As a woman nearing retirement, you may be delightfully surprised to get your own Social Security check. But you probably have questions. Questions such as: How much money will I actually get from…

How much to invest to have $1 million by retirement

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Start early to attain your goal. Starting at age 20: Assuming a 6% return, compounded monthly, you should aim to invest $364 a month toward retirement to reach $1 million in savings by age 65. Starting at age 30: Assuming a 6% return, compounded monthly, you should aim to invest $704 a month toward retirement…

How much are you spending on bottled water?

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The Story of Bottled Water For those of us who remember life without bottled water, it is sad, pathetic, and frustrating when consumers spend money on water packed in a throw away plastic bottle. The bottle is made from petroleum and shipped across the country (wasting more petroleum), and then 80% of the bottles end…

How much energy are you using at home? Tips to reduce your utility bills

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As we enter the heat of summer and face high electric bills for air conditioning, now is a good time to assess your energy use with the Energy Usage Calculator https://www.saveonenergy.com/energy-resources/energy-consumption/ Calculate your household energy usage The amount of electricity your household consumes each month is important. The fastest way to reduce your monthly electric…

Retirement Planning Checklist

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Whether the day you stop working is a decade away or around the corner, these to-do items will help you retire on your own terms. by: Sandra Block, Kiplingers, May 26, 2021 “Ideally, you should start planning for retirement the day you receive your first paycheck. But in reality, most of us don’t focus on…

Median CEO Pay Sets Fifth Straight Record

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 “Median pay reached 413.4 million for chief executives of the biggest. U.S. companies in 2020, setting a fifth straight annual record in a year when businesses and their leaders battled a global pandemic” (Theo Francis & Inti Pacheco, The Wall Street Journal, 6/2/21).  Seven CEOs were awarded compensation of more than $50 million in one…