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Don’t Move to Another State Just to Reduce Your Taxes

 “We know lots of friends who are considering moving from a high-tax state, such as New York, to a state with low or no state income taxes. They think they will end up with more money, although they are torn because they may also be moving away from family and friends just to escape state…

College Planning Guide for Students With Learning Disabilities

 “Learning disabilities present unique challenges when you’re planning to attend college. The National Center for Learning Disabilities conducted a survey in 2016 of 800 parents, and 72% said it was hard finding information about college disability services. For these students, getting the right information and support to excel in college requires a persistent strategy.” “In…

Affordable Care Act Update

 This post is quoted directly from Boston College historian Heather Cox Richardson from Letters from an American <heathercoxrichardson@substack.com>Date: April 5, 2022  Obama signed the ACA into law in 2010. Today, 31 million Americans have healthcare coverage thanks to it. They can’t be denied coverage because of preexisting conditions. The ACA has lowered prescription drug costs…

Medical Bills and Debt Collection

 $88 billion of outstanding medical bills are currently in collections – affecting one in five Americans.  My own academic research at Utah State University and that of University of Utah Economics Ph.D. Levi Pace revealed that medical bills were a major cause of personal bankruptcy filings in Utah. Similar research in other states confirm our…

Medicare Eligibility for People With Disabilities

 Many people think of Medicare as a program for people who are 65 and older. While this is true, some may not know that a younger person with a disability can also qualify for Medicare coverage. Not every disability is a qualifying one, so it’s important to understand if you meet the requirements before you…

Longevity Risk: World’s Oldest Person Dies at 119

 How long are you likely to live? Outliving your retirement resources is a potential risk for many Americans. Most retirement planning scenarios project a 30 year retirement span but what if you live past 100?  According to The Wall Street Journal (4/26/22), the world’s oldest verified individual, Kane Tanaka of Japan, born January 2, 1903,…

Understanding Your Finances: The Guide for College Students

Understanding Your Finances: The Guide for College Students https://upgradedpoints.com/credit-cards/students-guide-to-credit/ Here’s what we cover: How to pay and save for college Getting college scholarships and grants Managing your credit score as a student Best financial advice for college students And some of the insight we explore: Private student loan debt volume hit an estimated $12 billion…

Help Ukraine but don’t get scammed

 Michelle Singletary, Washington Post financial journalist, warns: Fraudsters will use Russia’s invasion, declining stock values and spiking oil prices to come after your money “You see images from Ukraine and feel compassion and the need to give what you can to help civilians fleeing to safety. Con artists see the Russian invasion as a way…