Friday, December 29, 2023

Equal COLA Act Needed as Federal Retirees Continue to Get Different COLA Rates

Title: Equal COLA Act Needed as Federal Retirees Continue to Get Different COLA Rates

Article Snip: "Social Security beneficiaries and Civil Service Retirement System (CSRS) retirees are expected to receive a 3.2% COLA for 2024, while Federal Employees Retirement System (FERS) retirees, those hired in 1984 or later, will only see a diet COLA of 2.2%.

That’s because of the way COLA is calculated for FERS.

Under current law, the COLAs for Social Security, CSRS, and FERS are all calculated based on the rate of inflation as measured by...
"



Reference: www.afge.org
Equal COLA Act Needed,Age-Based Discrimination in COLA application (FERS vs CSRS),FERS vs,CSRS vs FERS,






Bidenflation Archives

Title: Bidenflation Archives

Article Snip: "...From denying inflation and claiming it was “temporary,” to passing the buck with “Putin’s Price Hike,” the White House and congressional Democrats are out of touch with the challenges Americans face. The typical family now has to spend $450 more per month to buy the same goods and services they did a year ago, prompting more Americans to rely on loans and credit cards to make ends meet, even as the Federal Reserve makes borrowing more expensive. ..."

Reference: waysandmeans.house.gov
Bidenflation Archives, Bidenflation,Inflation,






For Three Years Biden Has Forgotten Social Security Retirees While Favoring Illegals

Title: Biden's 2020 Promised Lies for Social Security That Never Happened

Article Snip: "He would expand some benefits while not reducing any, reducing economic hardship. ...Biden would raise benefits for long-term low-wage workers, widow(er)s from dual earner-couples, caregivers, government workers, and long-term beneficiaries. My colleagues and I have long argued for increasing Social Security benefits for people..."

Reference: www.taxpolicycenter.org
Social Security, Biden's Lies,Biden Legacy,Destruction of Retirees,






Wednesday, December 27, 2023

Facing Financial Ruin as Costs Soar for Elder Care

Title: Facing Financial Ruin as Costs Soar for Elder Care

Article Snip: "...daunting life choices — and potential financial ruin — as the escalating costs of in-home care, assisted living facilities, and nursing homes devour the savings and incomes of older Americans and their relatives. “People are exposed to the possibility of depleting almost all their wealth,” said Richard Johnson, director of the program on retirement policy at the Urban Institute. The prospect of dying broke looms as an imminent threat for the boomer generation..."

Reference: nmindepth.com






Thursday, December 21, 2023

‘No greater honor’: Federal retirees proud of public service in survey

Title: ‘No greater honor’: Federal retirees proud of public service in survey

Article Snip: "“My dad [imparted to us] from the time we were little on that this nation educated us. This nation gave us all kinds of privileges. With that came responsibilities of giving back as much as you could,” said the second-generation American. Taska Elin, a veteran and a retired federal firefighter of nearly 30 years with the Navy... About 35% worked in defense-related agencies, and a third said they also received veterans benefits..."

Reference: www.federaltimes.com
Serving America, Patriots, Public Service, Federal retirees,






Tuesday, December 19, 2023

‘Unconscionable’: Baby boomers in America are becoming homeless at a rate ‘not seen since the Great Depression’

Title: ‘Unconscionable’: Baby boomers in America are becoming homeless at a rate ‘not seen since the Great Depression’

Article Snip: "...Many baby boomers across the country are now coming to terms with the hard reality that working for your entire adult life is no longer enough to guarantee you’ll have a roof over your head in your later years. ...the over-50 demographic represents half of the homeless single adults in the U.S. — with no sign of their numbers slowing, leaving baby boomers (those aged 57 to 75) particularly vulnerable. “Elderly homelessness has been rare within the contemporary homeless problem. We’ve always had very few people over 60 who’ve been homeless historically. ...older adults on fixed incomes are struggling to scrounge up what they need to cover basic necessities."

Reference: yahoo.com
Bidenomics,Inflation is destroying Social Security recipients,Destruction of Seniors,Destruction of the Working Class,






Tuesday, December 5, 2023

Learn Origami | Easy Origami: over 30 simple projects

Title: Learn Origami | Easy Origami: over 30 simple projects

Easy Origami: over 30 simple projects
Article Snip: "Created by origami master John Montroll, this easy and fun collection of 32 simple projects with step-by-step instructions is perfect for the beginner origami hobbyist.

Discover the wonderful world of origami with this traditional Japanese collection of 32 simple projects, perfect for novice origami hobbyists. Clearly illustrated, easy-to-follow instructions make even the most challenging projects achievable. Start with basic items like a hat, cup, and pinwheel, and work your way up to projects like a penguin, pelican, and piano. Also included are figures of a swan, lantern, cicada, pigeon, fox, rabbit, and other popular origami subjects. By completing these projects, you'll be on your way to mastering the fascinating ancient art of origami, which has been around since the invention of paper itself. No matter your level of expertise in origami crafting, Easy Origami makes it possible for anyone to create beautiful artwork in an enjoyable and fulfilling way. ...
"



Reference: Amazon
Learning,Education,Hobby, Art, Origami,Things to do in retirement,Gift Ideas, Books,Amazon,






Unable to Travel? Ride along with youtuber 'RVerTV' and travel the country

Article Title: Unable to Travel? Ride along with youtuber 'RVerTV' and travel the country

RVerTV
While searching for articles that might be of interest to retirees, we ran across RVerTV on youtube. This gentleman travels the country and keeps the camera on while doing so. The videos give great insight to places you might want to visit in your retirement travels. Additionally, economically or physically, you may not be able to travel, if that is the case, go to youtube and ride along for beautiful views of America.

Reference Source: RVerTV

Monday, November 27, 2023

Will the Stock Market Dip Once Boomers Take Out Retirement? Here’s What Experts Say

Title: Will the Stock Market Dip Once Boomers Take Out Retirement? Here’s What Experts Say

Article Snip: "...Boomers — individuals born between 1946 and 1964 — represent 21% of the U.S. population, according to Axios. And as The Washington Post reported, from now until 2030, 10,000 baby boomers each day will hit retirement age. In turn, this has had and will continue to have many ramifications for the economy. ..."

Reference: yahoo.com
Baby Boomers






Thursday, November 16, 2023

Meet the postal worker, 90, who has no plans to retire and 'turn into a couch potato'


Meet the postal worker, 90, who has no plans to retire and 'turn into a couch potato'


'Leroy Brown was just about to start his career with the United States Postal Service. His first day: Dec. 31, 1955. ...He's still going strong, working in the Los Angeles International Service Center, a USPS processing center. The 90-year-old is in his 70th year of service to the federal government, including a two-year stint in the U.S. Army...Retirement doesn't seem to be in the nonagenarian's plans. He's healthy, he's active, he loves being around other people and, well, he's not really sure what he'd do anyway. "I don't want to turn into a couch potato," Brown said. "I don't just want to sit around in one place."...'


Reference: www.jsonline.com
Tags: ...a retired postal worker,Postal Retirement, 70 years of Federal Service,Leroy Brown, Retirement,


Tuesday, November 14, 2023

Retired postal worker wins lottery again!

Racetrax Lottery game delivers big win to retired postal worker from Hagerstown

Maryland Lottery
From the article: "...The retired U.S. Postal Service employee and U.S. Army veteran has visited Lottery headquarters several times with winning tickets over the years, but those past wins pale in comparison to the better than $100,000 he just won, according to a news release from the Lottery. ..."


Article Reference: yahoo.com
Lottery Winner,retired postal worker,Maryland Lottery,

Monday, November 13, 2023

Bidenomics Fail | Moody’s Cuts Outlook on U.S. Credit Rating

Title: Moody’s Cuts Outlook on U.S. Credit Rating

Article Snip: "...Investors Service changed its outlook on the U.S.’s credit rating to negative from stable late Friday. The ratings firm cited the federal deficit as a “key driver” behind the action. ..."

Reference:
Bidenomics,U.S. Credit Rating, Federal Deficit (2023), Moody’s,






The Average Retiree Spends $4,345 on Monthly Expenses

Title: The Average Retiree Spends $4,345 on Monthly Expenses

Article Snip: "...Health spending makes up $7,030 in annual spending for retirees. One way to cut costswhen health issues arise is to get easily affordable preventative care. That means staying up to date on screenings and vaccinations. Exercise also appears in study after study as a top measure to lower the risk of many diseases. Even an...average American 65 years of age and up earns an annual pre-tax income of $55,335, and that same group spends $52,141 yearly, or $4,345 a month, according to the Bureau of Labor Statistics (BLS)."

Reference: moneywise.com
Average Retiree Expenses (2023 Article)






How Big Is the Average Social Security Check of a Middle-Class Retiree?

Title: How Big Is the Average Social Security Check of a Middle-Class Retiree?

Article Snip: "...As of 2022, the median household income in the U.S. was $74,580, according to the U.S. Census Bureau. Assuming a middle-class retiree earned this salary and retired at age 65 — specifically 65 and 11 months — their Social Security benefit would be..."

Reference: www.aol.com
Average Social Security Check (Middle-Class Retiree),






AARP Massachusetts Backs Bill That Would Pay Spouses for Caregiving

Title: AARP Massachusetts Backs Bill That Would Pay Spouses for Caregiving

Article Snip: "... AARP Massachusetts is urging state lawmakers to pass a bill that would allow people to hire their spouse as a caregiver and pay them through the state’s Medicaid program. Bay State residents can already be reimbursed for working as a caregiver to a family member through a waiver from the federal government, but spouses are not eligible. AARP Massachusetts submitted written testimony this month in favor of legislation that would broaden the definition of a family member to include a husband or wife...."

Reference: aarp.org
Caregiving






Social Security and VA benefits will Continue in a Government Shutdown (video)

Title: Another government shutdown looms: Would it impact Social Security, VA benefits?

Article Snip: "...We are again just days away from a possible government shutdown, which may leave you worried about how it could impact you. ..."

Reference: yahoo.com
Government Shutdown,social security,VA benefits,






Funeral directors share 7 rules of etiquette and their biggest pet peeves they wish everyone knew

Title: Funeral directors share 7 rules of etiquette and their biggest pet peeves they wish everyone knew

Article Snip: "...If you've never been to a funeral, or been in charge of planning one, it may be confusing to know what to do or what to expect.

Insider asked funeral directors to share their top etiquette rules and common pet peeves that they wish more people knew. ...
"

Reference: www.businessinsider.nl
Funeral Planning,






Potential Breakthrough Study Finds Cancer 'Kill Switch'

Title: Potential Breakthrough Study Finds Cancer 'Kill Switch'

Article Snip: "...Researchers at the UC Davis Comprehensive Cancer Center have located a "kill switch" that can trigger the death of cancer cells. They identified a protein on the CD95 receptor, which is part of a cell's communication system, that can "program" cancer cells to die. This significant discovery was detailed in a study published in the journal "Cell Death & Differentiation." ..."

Reference: www.newsmax.com
Cancer, Health,






Tuesday, November 7, 2023

TV Ears Wireless Headset System

Title: TV Ears Wireless Headset System

TV Ears Wireless Headset System
Article Snip: "...TV Ears Wireless Headset System; Elevate your TV-watching experience with TV Ears Original Wireless Headset System. This analog headset is designed for seniors and those with hearing impairments, it delivers crystal-clear audio for peaceful viewing. ..."

Reference:Amazon
TV Ears,






Here's the Social Security Benefit Check Retirees Can Expect at Different Income Levels

Title: Here's the Social Security Benefit Check Retirees Can Expect at Different Income Levels

Article Snip: "Social Security benefits are meant to replace about 40% of pre-retirement earnings for the average worker,...Low-income worker: $16,623 ($1,385 per month)...High-income worker: $36,283 ($3,024 per month)"

Reference: www.fool.com






CMS.GOV | 2024 Medicare Parts A & B Premiums and Deductibles

Title: 2024 Medicare Parts A & B Premiums and Deductibles

Article Snip: "...On October 12, 2023, the Centers for Medicare & Medicaid Services (CMS) released the 2024 premiums, deductibles, and coinsurance amounts for the Medicare Part A and Part B programs, and the 2024 Medicare Part D income-related monthly adjustment amounts. ...Each year, the Medicare Part B premium, deductible, and coinsurance rates are determined according to provisions of the Social Security Act. The standard monthly premium for Medicare Part B enrollees will be $174.70 for 2024, an increase of $9.80 from $164.90 in 2023. The annual deductible for all Medicare Part B beneficiaries will be $240 in 2024, an increase of $14 from the annual deductible of $226 in 2023. "

Reference: www.cms.gov
2024,Medicare,Reading,Education,






Weekly US Map: Influenza Summary Update

Title: Weekly US Map: Influenza Summary Update

Article Snip: "...A Weekly Influenza Surveillance Report Prepared by the Influenza Division
Outpatient Respiratory Illness Activity Map Determined by Data Reported to ILINet

This system monitors visits for respiratory illness that includes fever plus a cough or sore throat, also referred to as ILI, not laboratory confirmed influenza and may capture patient visits due to other respiratory pathogens that cause similar symptoms. ...
"

Reference: www.cdc.gov
Influenza (Flu) Update, Influenza Division of the CDC






CDC to expand disease surveillance at airports

Title: CDC to expand disease surveillance at airports

Article Snip: "...the seven major airports in the United States participating in its disease surveillance program. The agency will now test for more than 30 pathogens at Boston..."

Reference: www.kplctv.com
CDC,Retirement Travel,travel,






Monday, November 6, 2023

Social Security recipients struggle to pay back agency after unexpected overpayments

Title: Social Security recipients struggle to pay back agency after unexpected overpayments

Article Snip: "...about a million people getting billed each year over miscalculated payments from the Social Security Administration. Retirees and disabled workers are being told to pay up, and it often doesn't matter whether they're at fault or not. ..."

Reference: www.cbsnews.com
Overpayment by Social Security,






What will the maximum full-age Social Security retirement benefit be in 2024?

Title: What will the maximum full-age Social Security retirement benefit be in 2024?

Article Snip: "...The SSA has published the maximum monthly benefit Social Security recipients can expect to receive if they choose to retire at their ‘full retirement age. ...a 3.2% increase in payments will see the average retiree receive $1,907 in 2024. ...The highest possible monthly payment for an American who retires at this point will be $..."

Reference: as.com
Earned Benefit, Social Security, Maximum full-age Social Security retirement benefit be in 2024,






Thursday, November 2, 2023

Social Security Cuts: 4 Programs and Services for Boomers Struggling in Retirement

Title: Social Security Cuts: 4 Programs and Services for Boomers Struggling in Retirement

Article Snip: "...As baby boomers age into retirement, many find their financial outlook a little more uncertain than they had hoped. For several years, Congress has debated cuts to Social Security programs that could reduce or close certain services and benefits many boomers rely on. In this article, we’ll discuss potential cuts to Social Security and look at some programs and services that can provide much-needed assistance. With so much uncertainty about Social Security’s future, now is arguably an even more critical time than ever to become familiar with these proposed changes — and plan accordingly...."

Reference: www.gobankingrates.com
Social Security, Boomers Struggling in Retirement, Biden Vs. Social Security,






Why Some Retirees Won’t Get the Full 3.2% Social Security COLA Next Year

Title: Why Some Retirees Won’t Get the Full 3.2% Social Security COLA Next Year

Article Snip: "...not all COLAs are created equal. Although it was announced in October that Social Security beneficiaries will receive a 3.2% COLA increase next year, most retired federal workers will receive just a 2.2% raise. ..."

Reference: www.newsobserver.com
Social Security COLA 2024






Tuesday, October 31, 2023

How About Social Security Recipients Joe? Biden Backed UAW Workers 25% Pay Increases While Veterans and Social Security Recipients Struggle to Survive

Article Title: Biden speaks with UAW head after tentative deals struck with Big Three

Article Excerpt: "Biden, who had appeared with striking autoworkers in Michigan in September, called it a “hard-fought agreement” that was reached after weeks of “good faith” negotiations. ...members, would include a 25 percent general pay increase over the course of a four-year contract, increased retirement benefits and more paid leave. ..."

Reference Source: www.valleycentral.com






Monday, October 23, 2023

Here's what 'wealthy' means in 2023 America, in five numbers

Title: Here's what 'wealthy' means in 2023 America, in five numbers

Article Snip: "What does it take to be wealthy in 2023?...Here, then, are five numbers that illustrate what it means to be wealthy in America today. ..."

Reference: www.usatoday.com






Sunday, October 22, 2023

Congratulations on your upcoming federal retirement!

Title: Congratulations on your upcoming federal retirement!

Article Snip: "...The Retirement Quick Guide will walk you through what to expect as your retirement application is processed and your benefits are determined. The printable version of this guide includes estimated timelines. ..."

Reference: www.opm.gov






Tuesday, October 17, 2023

$500m Alzheimer's drug scandal: NY scientist behind NIH-funded therapy busted for allegedly manipulating data in 20 research papers - now there are calls for trials to be cut off

Title: $500m Alzheimer's drug scandal: NY scientist behind NIH-funded therapy busted for allegedly manipulating data in 20 research papers - now there are calls for trials to be cut off

Article Snip: "...Scientists are calling for stage 3 clinical trials of an Alzheimer's drug to be scrapped after a report highlighted serious doubts about the legitimacy of research that helped the medicine reach that stage. A long-awaited report by the City University of New York (CUNY) accused one of its faculty members, neuroscientist Hoau-Yan Wang, of egregious misconduct concerning 20 research papers — defined as workplace behavior so outrageous, dangerous, or illegal that an employer cannot reasonably expect to correct it through progressive discipline. ..."

Reference: www.dailymail.co.uk






Monday, October 16, 2023

Should you get a COVID booster? Here are 7 things to consider.

Title: Should you get a COVID booster? Here are 7 things to consider.

Article Snip: "...An updated COVID-19 vaccine has been available since last month and more than 7 million Americans have gotten boosted since then. But many people are still on the fence about whether and when to get a shot. Experts say when and whether to get a COVID booster should depend on your health status, risk tolerance, timing of last infection and other personal factors..."

Reference: www.usatoday.com






(adsbygoogle = window.adsbygoogle || []).push({});

Friday, October 13, 2023

Many federal retirees to receive 3.2% in 2024 COLA, but not everyone gets the same adjustment

Title: Many federal retirees to receive 3.2% in 2024 COLA, but not everyone gets the same adjustment

Article Snip: "But like every year, not all federal retirees will receive the full 2024 COLA. Depending on the system under which a federal employee retires, the exact 2024 COLA amount varies. ...Based on these calculations, FERS retirees will receive a 2.2% COLA starting in January. ..."

Reference: federalnewsnetwork.com
Age-Based Discrimination in COLA application (FERS vs CSRS),CSRS vs FERS,COLA 2024,






2024 CSRS COLA for federal retirees will be 3.2%, Social...

Title: 2024 COLA for federal retirees will be 3.2%, Social...

Article Snip: "...Retirees to see smaller Social Security COLA boost as inflation...Those under FERS get the full amount if the CPI-W increase is less than 2%. If it increased between 2% and 3%, the COLA is a flat rate of 2%. If it increased more than 3%, the COLA is the value of the CPI-W minus one. "

Reference: www.federaltimes.com
Inflation,2024 COLA for federal retirees,






U.S. Federal Government Employee Lookup

Title: U.S. Federal Government Employee Lookup

Article Snip: "Find the average salaries and salaries of most federal employees across all agencies and occupations in 2022. Search by name, year, title, agency, or state and view the top 100..."

Reference: www.federalpay.org
U.S. Federal Government Employee Lookup, Federal Employee Pay Lookup,






Tuesday, October 10, 2023

US households can now order four FREE Covid tests from the government – latest guidelines

Title: US households can now order four free Covid tests from the government – latest guidelines

Article Snip: "...New Covid boosters from Pfizer and Moderna are now available at pharmacies nationwide, and the US has restarted its free Covid test program. Tests can be ordered from COVIDTests.gov; you can order four per household. The Centers for Disease Control and Prevention (CDC) and US Food and Drug Administration (FDA) are recommending one dose of the updated vaccine for everyone six months and older in the US..."

Reference: www.independent.co.uk
FREE Covid tests






Tuesday, October 3, 2023

OPM | Federal Retirement FAQ

Title: OPM | Federal Retirement FAQ

Article Snip: "...Retire FAQ, Court-Ordered Benefits, Former Spouses, New Retirees, Post-Retirement, Services Online, Family Benefits..."

Reference: www.opm.gov
OPM | Federal Retirement FAQ






Thursday, September 28, 2023

Would retired federal workers still be paid during a government shutdown? Yes

https://www.10tv.com/article/news/verify/shutdown-verify/retired-federal-workers-still-paid-pensions-government-shutdown/536-10deb94f-74a0-4267-aca0-b6bf7becf11c

Title: Yes, retired federal workers would still be paid during a government shutdown

Article Snip: "... The U.S. is heading toward a federal government shutdown that could delay paychecks for many federal workers if Congress fails to pass a funding plan by Sept. 30. Many VERIFY readers have questions about the potential shutdown, including whether retired federal workers would still receive their retirement checks. ..."

Reference: www.10tv.com
Would retired federal workers still be paid during a government shutdown? Yes






Monday, September 18, 2023

Biden Backs Huge Wage Increases for UAW Workers, But No Increases for Social Security Recipients With Exception of Watered Down COLA increases

Title: Biden Signals Support for UAW as Strike Begins

Article Snip: "Joe Biden put himself squarely in the camp of organized labor...demands of UAW, which wants a 36% pay increase over four years, a shorter work week, an end to the "tiered employment system" that gives news workers lower pay and less generous benefits and the restoration of a traditional pension. ..."

Reference: www.usnews.com






Wednesday, September 13, 2023

Picking a Your Federal Retirement Date – General Rules

Title: Picking a Your Federal Retirement Date – General Rules

Article Snip: "...some general considerations for picking a date do it. This will be of most immediate interest to those who are thinking of going out around the end of this year but it also is important information even for those farther away from retirement. First, a quick review of eligibility rules. To retire, you first need to meet the ..."

Reference: www.fedweek.com
Picking a Your Federal Retirement Date





Final 2024 Social Security COLA Estimate Before the Real Thing: 3.2%

Title:

Article Snip: "Last forecast increases slightly while the official cost of living adjustment for next year will be announced on Oct. 12. ...It’s not going to approach 2023’s historically high COLA increase of 8.7%, but the 2024 Social Security cost of living adjustment is expected to be 3.2%, which if it comes to fruition would raise an average monthly retiree benefit of $1,790 by $57.30. That’s according to the final COLA forecast of the year, released this morning by The Senior Citizens League’s Mary Johnson, who has a long track record of accurately predicting the following year’s COLA from on her analysis of inflation trends based on monthly Consumer Price Index data. Johnson’s 2024 COLA forecast was at 2.7% as of June but increased to 3% in July and stayed there in August before rising to 3.2% for September. ..."

Reference: 401kspecialistmag.com
2024 Social Security COLA, COLA, 2024 COLA forecast, Average monthly retiree Social Security benefit of $1,790 (2023),






Sunday, September 10, 2023

Retired postal worker chooses missionary life

Title: Retired postal worker chooses missionary life

Article Snip: "...Linda Thomason Mosley spent her 36-year career with the U.S. Postal Service helping people get messages to one another. After she retired, she set out to spread her messages about her faith. "I had wanted to be a missionary for a long time," says Mosley, 74. Mosley retired in October 2009, and the following December, she heard a speaker at Immanuel Baptist Church in Little Rock share stories about his work as a missionary. ..."

Reference: www.nwaonline.com






Friday, September 8, 2023

Send Joe Biden into retirement

Title: Biden is pursuing the most anti-business economic policies since FDR

Article Snip: " The economy was reeling at a 6.5% annual growth rate. That was given to him on a silver platter by Donald Trump. Today, the economy is actually reeling at a 1% growth rate. Boss Biden gets another Bottomless Pinocchio. How about "unleash prosperity"? Now, that would be my kind of slogan or, how about, "a rising tide lifts all boats"? Trouble with Joe Biden is he's a stick-in-the-mud class warrior. Middle, lower, upper… diversity, equity, inclusion, woke… it's all left-wing gibberish. Biden says his "middle-out, bottom-up, whatever-that-means" is "working." Sure it is, Joe... A couple of new polls out today. YouGov just said 29% of voters approve of his inflation policy, while 61% disapprove. Overall, a recent AP/NORC (University of Chicago) poll says 34% of voters approve of Biden's economic policy — 34%. So, we have a disconnect here between rhetoric and the reality. Or, in terms of "middle-out, bottom-up," real hourly earnings, a.k.a. middle class wages, are falling 3% at an annual rate. Or, real average weekly earnings are dropping at a 5% annual rate. Or, for the bottom quartile of income earners, which is $38,000 a year or less, they've declined by 2.3% under Joe Bidenomics. "

Reference: www.foxbusiness.com
Bidenomics, Biden Economy Fail,Destruction of Retirees,






Postal Service Must Immediately Fund Employee Pension Obligations

Title: Postal Service Must Immediately Fund Employee Pension Obligations

Article Snip: "...The U.S. Postal Service (USPS) is legally obligated to provide $5 billion in funding for its employees’ pensions by September 30. If it fails to do so, employees’ benefits are at far greater risk, and a terrible precedent has been set that could seriously erode the value of these plans and even what employees receive. It would also send a clear signal that USPS’s finances are again in major trouble. As such, USPS’s Board of Governors, which meets this Friday, September 8, postal labor unions, and Congress should all demand full funding by September 30 to the U.S. Office of Personnel Management (OPM). This issue goes to the heart of USPS’s credibility and proper financial stewardship...."

Reference: www.fedweek.com
USPS Pension Obligations






Wednesday, August 30, 2023

Senior Citizens Can Go to College for Free or Cheap in All 50 States

Title: Senior Citizens Can Go to College for Free or Cheap in All 50 States

Article Snip: "The Alabama Commission on Higher Education states that Alabama seniors can attend any two-year institution within the state tuition-free. Adults 60 and older should contact the financial aid office at any community college for admission and eligibility details. Some Alabama schools, like... Senior Citizen Visitor Program at the University of Hawaii and state community colleges allows senior residents age 60 and up to attend up to two courses per semester free of charge. Seniors who have been residents of Hawaii for at least one year may enroll in in-person, hybrid or online courses for no cost. ...There’s no statewide benefit in Mississippi, but some schools have programs for seniors. "

Reference: www.thepennyhoarder.com






One Day, You're Going to Die. Here's How to Prepare for It

Title: One Day, You're Going to Die. Here's How to Prepare for It

Article Snip: "...It's a fact of life that we're all going to die at some point. While it's not something you probably want to think about, you can make things a lot easier on yourself (and your family) if you get everything in order now. Here's what you need to do. ...Note: You can do a lot of this stuff on your own, but it's a good idea to speak with a lawyer about your will, assets, and general estate planning. This guide is meant more to get you acquainted with terms, provide DIY options when applicable, and help you collect together what you need."

Reference: lifehacker.com





Does Beneficiary Designation Overrule a Will?

Title: Does Beneficiary Designation Overrule a Will?

Article Snip: "A beneficiary designation assigns a person or party to receive benefits from a financial product, such as a retirement account or life insurance policy. ...A will is a legal estate planning document stating your intentions for possessions after you die. Typically, a will defines an executor to carry out your desires. Then, it ..."

Reference: yahoo.com






Two Social Security Provisions that Can Impact CSRS Retirees

Title: Two Social Security Provisions that Can Impact CSRS Retirees

Article Snip: "...While they won’t affect your CSRS annuity, they may cut into – or even eliminate – any Social Security benefit you may otherwise be entitled to. They are the Windfall Elimination Provision and the Government Pension Offset. ..."

Reference: www.fedweek.com
Government Pension Offset (GPO),Windfall Elimination Provision (WEP),





Tuesday, August 29, 2023

Retirement Gifts | Cards for Retirement | Gifts for the Office

Title: Retirement Gifts | Cards for Retirement

Retirement Gifts | Cards for Retirement | Gifts for the Office
Article Snip: "You've Worked Your Whole Life for This Card, Happy Retirement Card, Hilarious Retirement Card for Colleague Coworker ..."

Reference: AMAZON
Retirement Gifts






Monday, August 28, 2023

YouTube | Watch and Follow Retiree 'Sarasota Tim' and the Beautiful 'Ms. Tammy' CRUSH Retirement Life

Title: YouTube | Watch and Follow Retiree 'Sarasota Tim' and the Beautiful 'Ms. Tammy' CRUSH Retirement Life

Article Snip: "Hello my name is Tim and my channel is about living life. I moved to Boynton Bch, Florida from Sarasota in May of 2022. You’ll find content about Social Security, Medicare retired life, side hustles, health, Toyota 4Runner, South Florida living, cruises, and chatting about life‘s events too. Please consider subscribing and following along. 😎"

Reference: www.youtube.com/@SarasotaTim
Feel Good Videos, Great People, Living Life in Retirement, Ms. Tammy, Positive Growth in Retirement, Retirees to Follow, Sarasota Tim, www.youtube.com/@SarasotaTim


The following is a sample from the many videos:






Saturday, August 26, 2023

Buffett Says Build Passive Income, 2 Dividends For Your Retirement

Title: Buffett Says Build Passive Income, 2 Dividends For Your Retirement

Article Snip: "...Here are two proven dividend stewards with much juice left to keep producing those paychecks...."

Reference: seekingalpha.com
Passive Income,Warren Buffett investment tips,






Friday, August 25, 2023

The Social Security cost-of-living adjustment for 2024 will be a paltry 3%, analysts estimate — a dramatic drop from 8.7%. But here's one unexpected factor that could bump it higher

Title: The Social Security cost-of-living adjustment for 2024 will be a paltry 3%, analysts estimate — a dramatic drop from 8.7%. But here's one unexpected factor that could bump it higher

Article Snip: "“A major storm impacting the Gulf Coast and nearby refineries will likely lead to a spike in gas prices for a few weeks,” AAA spokesperson Andrew Gross told CNBC. Such circumstances could affect the 2024 COLA. “The COLA estimate will go up if the price of gasoline jumps considerably,” Mary Johnson, Social Security and Medicare policy analyst at The Senior Citizens League (TSCL), told the news outlet. “The COLA estimate might go down if gas and oil prices drop.”..."

Reference: yahoo.com
WTI vs. CPI vs. COLA, Bidenomics,Inflation 2023,Destruction of Retirees,






Thursday, August 24, 2023

USPS retirees can now submit leads

Title: USPS retirees can now submit leads

Article Snip: "...The website for Postal Service retirees now includes access to LEADing Together, the organization’s employee sales lead program. LEADing Together combines the Business Connect, Clerks Care, Customer Connect, Mail Handlers, Rural Reach and Submit a Lead programs into one, using a common portal for employees — and now retirees — to enter customer information. ...Employees who do not have an ACE ID can access the lead entry site through LiteBlue by selecting “Submit a Lead” under the “Resource Index” tab."

Reference: usps.com






Wednesday, August 23, 2023

‘I was very scared': OPM backlog has some federal retirees, survivors waiting months for benefits

Title: ‘I was very scared': OPM backlog has some federal retirees, survivors waiting months for benefits

Article Snip: "After her husband passed away last October, Diana Kimberlin says she knew it would take some time for her to receive the survivor benefits he signed up for while working for the federal government. But Kimberlin said she never imagined the process through the Office of Personnel Management (OPM) would take longer than four months, forcing her to delay paying many bills and wrecking her credit score. “I always paid my bills on time. I couldn't even pay anything,” she said, adding, “I didn't know how far I was going to have to wait. It didn't take me too long to figure out it was going to be awhile.“...“They have to put in place new systems,” Van Hollen said. “We’ve been after them to do that. They’re not doing it fast enough, in my mind." In a congressional hearing earlier this year, the head of OPM blamed the backlog on historic underfunding of the agency, staffing and technology, noting OPM is still transitioning from a paper-based system to the digital era. ..."

Reference: www.nbcwashington.com
OPM retirement backlog,






Monday, August 21, 2023

8 Things Boomers Should Never Buy in Retirement

Title: 8 Things Boomers Should Never Buy in Retirement

Article Snip: "...Once they retire, many seniors change their spending patterns quite a bit. There’s nothing inherently wrong with this, as long as they remain within their retirement budget. However, there are some things that boomers tend to splurge on in retirement that can wreak havoc on their long-term financial plans. Whether it’s because they feel like “they’ve earned the right” or they simply don’t understand how problematic it can be, overspending is a sure way to put their long-term retirement lifestyle at risk. ..."

Reference: www.gobankingrates.com






Friday, August 18, 2023

Best CD Rates for August 2023—Up to 5.75%

Title: Best CD Rates for August 2023—Up to 5.75%

Article Snip: "Guide to the Highest CD Rates Available to Anyone in the U.S. ...When you have cash you want to save for a while and you want to earn more than you would with a standard savings account, certificates of deposit (CDs) can be a good option. CDs offer fixed interest rates that guarantee you earnings, which can help you reach your financial goals. To help you earn as much as possible, here are the top CD rates available from our partners, followed by our rankings on the best-paying CDs that are available to U.S. customers everywhere. Right now, the best CD rates are over 5.00% APY, with the best CD rate across all terms sitting at 5.75% APY for a 12-month CD from MapleMark Bank. ..."

Reference: www.investopedia.com






Bidenomics | U.S. Mortgage Rates Jump to Highest Level Since 2002

Title: Bidenomics | U.S. Mortgage Rates Jump to Highest Level Since 2002

Article Snip: "The average 30-year fixed-rate mortgage has climbed above 7 percent, making it harder for buyers to afford homes, which are already in short supply. ...mortgage rates began abruptly rising last year, when the Federal Reserve started lifting interest rates to rein in rapid inflation, the housing market has stagnated, as owners with low mortgage rates have been unwilling to put their homes up for sale. In June, sales of existing homes fell nearly 19 percent from the year before, according to the National Association of Realtors. ..."

Reference: www.nytimes.com






Thursday, August 17, 2023

The Fed Is Losing the Battle Against Inflation

Title: The Fed Is Losing the Battle Against Inflation

Article Snip: "...uptick in the U.S. inflation rate in July, as measured by the Consumer Price Index for All Urban Consumers (CPI-U), a 3.2% rate of inflation is far and away a major improvement from the 9.1% inflation rate reported in June 2022. ...However, a report issued in June from technology-driven real estate company Redfin found that 91.8% of all homeowners have a mortgage rate that's below 6%. Approximately 62% are locked in at a rate below 4%. There's absolutely no financial incentive for these homeowners to give up their historically low mortgage rate for a new home with a 7% 30-year fixed-rate loan. This is why there's a major shortage of new listings for existing homes. "

Reference: www.fool.com
Inflation Destroying FERS Retirees,Biden/Harris Inflation,Inflation is destroying Social Security recipients,






Monday, August 14, 2023

OPM’s retirement backlog back up in July after months of it shrinking

Title: OPM’s retirement backlog back up in July after months of it shrinking

Article Snip: "...For the first time since January, the Office of Personnel Management’s backlog of retirement claims increased in July. At 17,047 claims, the backlog is over 4,000 claims higher than its steady state goal of 13,000. ..."

Reference: federalnewsnetwork.com
OPM retirement backlog






On this day in history, August 14, 1935, Social Security is signed into law by FDR

Title: On this day in history, August 14, 1935, Social Security is signed into law by FDR

Article Snip: "President Franklin D. Roosevelt signed the Social Security bill into law on this day in history, Aug. 14, 1935, creating a federal safety net for older, ..."

Reference: www.foxnews.com






Friday, August 11, 2023

Huntsville Alabama | A City Council That Is Attempting to Increase Water Rates by 35%

Title: Huntsville Utilities proposes 35% water rate increase

Article Snip: "Huntsville city council members held a first reading for a proposal allowing Huntsville Utilities to raise water rates by 35%..."

Reference:WAFF
Huntsville Alabama,Cities With High Utility Costs,Destruction of the Working Class,Huntsville City Council, Water Rates in Huntsville Alabama, High Cost Cities,Inflation 2023,Bidenomics,





Thursday, August 10, 2023

Is It Smarter For Me to Use Retirement Savings to Pay Off Debt?

Title: Is It Smarter For Me to Use Retirement Savings to Pay Off Debt?

Article Snip: "Generally, it’s best to leave your retirement savings untouched because you want as much uninhibited growth as possible. That said, paying off debt with your retirement savings in specific situations can make sense. ...Weigh Debts Against Investments Not every debt demands immediate repayment. For instance, mortgages are generally low-interest loans you pay gradually. As your equity grows, your home becomes an asset instead of a liability. On the other hand, credit card debt usually has astronomical interest rates that can ruin your finances quickly. Therefore, repaying a credit card debt of $5,000 is immensely beneficial, whereas allocating an extra $5,000 toward your mortgage may not be as advantageous."

Reference: finance.yahoo.com






Wednesday, August 9, 2023

What is the average pension of a retired postal worker in 2023?

Title: What is the average pension of a retired postal worker in 2023?

Article Snip: "The amount of money a postal worker makes in retirement depends on their age and how long they worked as a postal worker or government employee. A postal worker who retired in 2023 with 25 years of service would make a monthly basic annuity between $1,..."

Reference: Postal NewsGroup






Tuesday, July 18, 2023

Why a federal retiree might consider a reverse mortgage ...or might not

Title: Why a federal retiree might consider a reverse mortgage

Article Snip: "...However, there are also potential drawbacks to consider that most reverse mortgage professionals immediately recognize as applicable to all potential borrowers. These include “the possibility of losing the house to foreclosure if the homeowner cannot afford to pay the property taxes; the homeowner will likely leave less inheritance to his or her heirs; at least one individual has to be living in the home (such as the co-borrower or spouse) if the funds from a HECM mortgage are used to pay for the homeowner’s move to an assisted living or nursing home facility.” Potential borrowers also need to understand that there are a lot of potential expenses the reverse mortgage customer is and could be subject to, including a loan origination fee, mortgage insurance premiums, counseling and other fees. ..."

Reference: reversemortgagedaily.com
Reverse Mortgage, HECM mortgage,






Sunday, July 16, 2023

What retirees should do right now to prepare for a recession

Title: What retirees should do right now to prepare for a recession

Article Snip: "Retirees often underestimate the potential impact of recessions on their financial well-being ...There are several essential strategies and preparations that retirees should employ to prepare for and navigate recessions successfully. ..."

Reference: www.marketwatch.com
Recession 2023,Biden Economy 2023,






Monday, July 10, 2023

The FERSGUIDE 2023 Upated on Amazon

Title: The FERSGUIDE 2023 Upated on Amazon

The FERSGUIDE 2023 Upated on Amazon
Article Snip: "This book is designed for both employees and annuitants, with 40 pages dedicated just to Social Security and Medicare. Those 40 pages alone are one of the best Social Security and Medicare guides out there. ..."

Reference: Amazon
Reading,Federal Employees Retirement System (FERS),






Federal Employee Benefits Training For Retirement Planning Announced By Public Sector Retirement Educators (PSRE)

Title: Federal Employee Benefits Training For Retirement Planning Announced By PSRE

Article Snip: "... PSRE's courses include a range of training modules covering FEGLI, FERS, CSRS, and TSP benefits. With the online retirement training program, employees can learn using any device, and a complimentary demo is available to provide access to one training module for a full 60 days. ..."

Reference: www.benzinga.com
Public Sector Retirement Educators (PSRE),retirement planning,Federal Employee Benefits Training,






Sunday, July 9, 2023

Veterans have less than 6 months to make this change to their pension | Survivor Benefit Plan (SBP)

Article Title: Veterans have less than 6 months to make this change to their pension

Article Excerpt: "Qualifying service members are offered a chance to enroll in the Survivor Benefit Plan, which offers spouses (and sometimes their children) a pension of up to 55% of the veterans’ retirement pay. The inflation-adjusted payment is provided through the surviving spouse’s lifetime, or until the child reaches a maximum age. Prior to 2023, veterans’ decisions were permanent, but this year, they will have an opportunity to opt in or opt out. “The Survivor Benefit Plan is a good benefit..."

Reference Source: www.marketwatch.com

Friday, July 7, 2023

FDA fully approves 'novel' Alzheimer’s disease drug Leqembi, will be covered by Medicare

Title: FDA fully approves 'novel' Alzheimer’s disease drug Leqembi, will be covered by Medicare

Article Snip: "Leqembi has shown clinical benefit in fighting Alzheimer's disease. ...The Food and Drug Administration (FDA) has fully approved a "novel" drug used to treat adult patients with Alzheimer’s, the agency announced. Leqembi, which is produced by Japanese drugmaker Eisai and American-based drugmaker Biogen..."

Reference: www.foxnews.com
Leqembi,Medicare,Alzheimer's, Health,Alzheimer’s Drugs,Food and Drug Administration (FDA),amyloid beta-directed antibody, Biogen, Eisai, Lecanemab,





Thursday, July 6, 2023

Retired Long Island postal worker collects big lottery prize a year after drawing

Title: Retired Long Island postal worker collects big lottery prize a year after drawing

Article Snip: "...Retired postal worker Genine Plummer took nearly a year to claim a $1,000 A Week For Life prize she won playing New York Lottery’s CASH4LIFE. The Islip woman purchased her winning ticket back in May 2022. But she didn’t realize she had..."

Reference: greaterlongisland.com
Lottery in Retirement





Wednesday, July 5, 2023

Tom Brady sticks to strict diet regimen even after retirement

Title: Tom Brady sticks to strict diet regimen even after retirement

Article Snip: "The legendary quarterback, who doesn’t include white sugar, white flour, iodized salt, caffeine, nightshade vegetable and even strawberries in his diet, is continuing the TB12 method. ..."

Reference: www.foxnews.com






IRS quietly changes rule on how your children's inheritance is taxed - here's what you need to know to avoid a shock bill

Title: IRS quietly changes rule on how your children's inheritance is taxed - here's what you need to know to avoid a shock bill

Article Snip: "Americans have turned to irrevocable trusts to protect their assets from spend-down in order to qualify for Medicaid...In the last decade, more families have begun utilizing 'irrevocable' trusts and the ruling will impact estate planning...Most families will not find themselves subject to estate tax when the value of their home is included because the current federal estate tax is only applicable to estates valued at $12.92 million or more. ... "

Reference: www.dailymail.co.uk





Tuesday, June 20, 2023

Remain wary of mail following white powder reports

Title: Remain wary of mail following white powder reports

Article Snip: "On Monday, June 19, Kansas Republican leaders say that while there has been a small amount of good news to come out of the investigation into more than 100 letters that contained white powder mailed to elected officials in the Sunflower State, the week has certainly been stressful. “At this point, it appears over 100 elected state and legislative officials have received threatening letters filled with a suspicious powdery substance,” said the legislators. “Thankfully, the KDHE is saying the substance is presumptively negative for any biologicals.” Kansans have been urged to remain vigilant and cautious as they open their mail..."

Reference: www.msn.com
Attacks on Republicans,






Monday, June 19, 2023

Your Roth 401(k) Is About to Become a Much Better Retirement Plan

Title: Your Roth 401(k) Is About to Become a Much Better Retirement Plan

Article Snip: "...Before this change, Roth IRAs were the only retirement-focused accounts that both allowed for tax-free withdrawals in retirement and let you keep your entire balance in the account throughout your life. For higher earners, getting money into a Roth IRA is a bit more complicated than getting it into a Roth 401(k), due to income limits on direct Roth IRA contributions. That can make it more challenging for many people to build a nest egg inside a Roth IRA. Now that Roth 401(k) plans will soon be exempt from those RMDs, it becomes possible to build that lifelong source of tax-free retirement cash without going through an IRA...."

Reference: www.fool.com
Retirement Financial Planning,ROTH,401(k),






Sunday, June 18, 2023

Federal Employee Pay Lookup

Title: Federal Employee Pay Lookup

Article Snip: "...Information available through this dataset may include name, job title, duty station, and salary for most Federal civilian employees. Some individual's names have been withheld by the OPM or specific agencies for security reasons. While FederalPay attempts to provide this dataset as a public service, exactly as provided by the OPM, we cannot guarantee the accuracy or completeness of the results provided. ..."

Reference: www.federalpay.org
Federal Employee Pay Lookup






Monday, June 12, 2023

Traditional Medicare vs Medicare Advantage

Title: Traditional Medicare vs Medicare Advantage

Article Snip: "......the federal government reported that 13% of denials in Medicare Advantage would not have been refused under traditional Medicare. Medicare Advantage plans are also increasingly ending nursing home and rehabilitation care before providers consider patients ready to go home...."

Reference: Federal Retirement
Traditional Medicare vs Medicare Advantage






Thursday, June 8, 2023

Why are Postal retirees being forced out of FEHB?

Title: Big Medicare Changes Coming For Postal Service Retirees

Article Snip: "...money is likely the driving force. ...this change could save the Postal Service $5.6 billion through 2031 while adding $5.5 billion in costs to Medicare during that span...For those who retire before April 2024, they can either enroll in Part B right away or pay attention and watch for more information about the SEP. My former client’s wife decided to continue with her current FEHB plan and enroll in Medicare Part A, hospital insurance. (This is premium-free and those who want to receive Social Security retirement benefits must be enrolled. It is a condition of receiving benefits.)"

Reference: www.forbes.com
Medicare Special Enrollment Periods (SEP),






Saturday, June 3, 2023

The great unretirement! How droves of employees are now being forced BACK to the workplace as inflation hammers their savings - here's what to know before you quit work

Title: The great unretirement! How droves of employees are now being forced BACK to the workplace as inflation hammers their savings - here's what to know before you quit work

Article Snip: "An estimated 1.5 million retirees re-entered the labor market in the year up to May 2022, according to an analysis of Labor Department data by Indeed economist Nick Bunker for The Washington Post. This is a reversal of the trend which saw millions of people fleeing the workforce during and following the Covid-19 pandemic. And according to a study by payroll services company Paychex this year, one in six retired Americans are now considering going back to work. ..."

Reference: www.dailymail.co.uk
Retirement under Democrats,Inflation 2023,Biden Legacy,Biden Economy 2023,






Friday, June 2, 2023

Medicare will continue to restrict coverage of a new class of Alzheimer’s drugs, even when fully approved by the Food and Drug Administration (FDA)

Title: Medicare won’t change coverage policy for pricey Alzheimer’s drugs

Article Snip: "Currently, Medicare coverage is even stricter, as the agency will only pay for the drugs if a patient receives them through a clinical trial. The treatments in question are monoclonal antibody infusions that target brain plaque known as amyloid that’s a signature characteristic of Alzheimer’s disease. The drugs are intended for early stage Alzheimer’s patients and are meant to slow the progression of memory loss, but are not a cure. They are costly, and there are only two: Eisai’s Leqembi and Biogen’s Aduhelm. Both were granted accelerated approval by FDA..."

Reference: www.yahoo.com
Centers for Medicare and Medicaid Services (CMS)





Thursday, May 18, 2023

How your ex will know if you've been stalking their Facebook: Embarrassing glitch exposes snoopers - how to see if you've been busted

Title: How your ex will know if you've been stalking their Facebook: Embarrassing glitch exposes snoopers - how to see if you've been busted

Article Snip: "The bug sent automatic friend requests to any profiles people had viewed, leaving users scrambling to cancel them as quickly as possible. ...if you're still worried you've been affected by the technical defect, head to facebook.com/friends. From here, click 'Friend Requests' in the left-hand tab followed by 'View send requests' to review the pending requests. "

Reference: www.dailymail.co.uk
Facebook Busted You!






Wednesday, May 17, 2023

NOVOS Face Age Test | How Old Do I Look?

Title: Utilizing Artificial Intelligence To Visually Measure Your Facial Age

Article Snip: "NOVOS’ algorithms are based on Deep Learning and mimic human perception of aging. The algorithm has been trained on 12 million images and validated by human dermatological experts. This service is free as part of NOVOS being a Public Benefit Corporation, and does not require an app download.

Although accurate in most cases, it’s not perfect. Lighting conditions, camera quality, camera angle, lack of sleep, dehydration and other variables can impact your scores.

Your face should be centered similarly to how the model in the example below is shown. Make sure it is well lit from the front. Move hair back as applicable, remove any glasses, extensive make-up or mask. ...TAKE THE TEST NOW

"

Reference: novoslabs.com
NOVOS Face Age Test





Monday, March 27, 2023

15 Cheapest States to Live In

Title: 15 Cheapest States to Live In

Article Snip: "...The rise in inflation over the last year has led many Americans to consider shifting to states with a lower cost of living. The annual inflation rate rose to 9.1% in June 2022 to its highest level since the 1980s. To combat the raging inflation, the US Federal Reserve has already raised the benchmark interest rates...a significant number of Americans migrated out of states such as New York, California, Illinois, Pennsylvania, and Massachusetts. Meanwhile..."

Reference: yahoo.com
Inflation 2023,Less Expensive States to Live ,




Senior living industry tells federal lawmakers of ‘unprecedented’ financial issues

Title: Senior living industry tells federal lawmakers of ‘unprecedented’ financial issues

Article Snip: "...Collectively, senior living providers incurred more than $30 billion in expenses, including gowns, gloves, masks and other infection prevention and control supplies; wage pressures; higher recruiting and retention costs; and regulatory, licensing and employee certification costs, Elehwany said. “Because of supply chain disruptions and exponential demand for personal protective equipment, costs became exorbitant..."

Reference: www.mcknightsseniorliving.com
Senior living industry




Tuesday, March 21, 2023

New York tops list of least affordable states to retire in

Title: New York tops list of least affordable states to retire in

Article Snip: "The Empire State ranked at the very bottom in terms of affordability, and 46th overall when factoring in quality of life and healthcare, according to a report by WalletHub comparing all 50 states. ...The report noted that even with $1 million in retirement savings, the average person would only be able to cover about 14 years of expenses. “Retirees must evaluate the burden of state and local taxes when making their residential decisions..."

Reference: nypost.com
Worst states to retire in,New York,Least affordable states to retire in,






Sunday, March 19, 2023

Riots erupt in France over retirement age increase

Title: Riots erupt in France over retirement age increase

Article Snip: "Prime Minister Elisabeth Borne of France invoked a special constitutional power to avoid having the lower assembly vote on the pension reform bill Thursday. ...The protests stemmed from Macron’s attempt to raise the age to receive a full pension following retirement in the country from 62 to 64 years old by invoking special constitutional powers that allow him to skirt the national assembly..."

Reference: www.foxbusiness.com
France, Destruction of Seniors, Working Until You Die, Retirement is for the Wealthy Not You,






How to Build a CD Ladder for Retirement

Title: How to Build a CD Ladder for Retirement

Article Snip: "...Retirees often give certificates of deposit short shrift, and that’s unfortunate. Leveraged properly, CDs can give people living on a fixed income the one financial necessity they need in retirement: a reliable income stream with low relative risk. That’s especially true with CD laddering – Wall Street’s way of building a reliable interest rate-return staircase in their golden years...."

Reference: usnews.com
Finances, CD's,

Saturday, March 18, 2023

The Pros and Cons of a Credit Union Versus a Bank

Title: The Pros and Cons of a Credit Union Versus a Bank

Article Snip: "Credit unions can offer higher savings rates compared with traditional banks. ...The main difference between a bank and a credit union is that a bank is a for-profit financial institution, while a credit union is a nonprofit. ...Credit unions are insured by the federal National Credit Union Administration, which provides the same protections that the Federal Deposit Insurance Corporation applies to banks – insurance coverage on deposits up to $250,000. NCUA's website allows credit union members to check on their insurance coverage; the agency also recommends checking for a prominently displayed sign at the credit union that says it is NCUA-insured."

Reference: usnews.com
National Credit Union Administration (NCUA),