Essential Estate Planning for American Expats: – Resident in Singapore Paperback

Title: Essential Estate Planning for American Expats: – Resident in Singapore Paperback

Article Snip: "There are millions of U.S. citizens and Permanent Residents (commonly known as "Green Card" holders) residing outside of the U.S. It is notoriously difficult for US exposed international entrepreneurs and American Expats to easily access credible help in Estate Planning. Our Singapore-based practice has seen an upswing in the number of Asia based clients who have issues related to US Estate Taxes. This book is therefore a key resource. Not only do we explore key elements of the estate planning process but we also touch on the international tax implications. While writing this book in summer 2020, Jui Seck lost his mother. Weeks later, I lost my father - Hayden T Joseph CPA. My dad, who is responsible for me becoming an international tax professional, passed away at our family home in Miami after a long illness. So, for both Jui Seck and myself, this book is not only born of professional observations but also, our very personal experiences. What makes this book different is that we are not trying to sell you any prepackaged products. We simply wish to emphasize just how important estate planning is, and to equip you with the tools needed to protect your legacy. No book can be a substitute for sound legal advice. As an international entrepreneur or expat, it is essential to find the right team to help guide you through this process. I deliberately use the word "team" because it is impossible to find a single person that knows everything when it comes to international estate ..."

Reference: Amazon
Essential Estate Planning for American Expats: – Resident in Singapore Paperback

---

---

Super Bowl LVIII has lowest attendance for any non-pandemic edition of the game

Title: Super Bowl LVIII has lowest attendance for any non-pandemic edition of the game

Article Snip: "...Ben Fischer of Sports Business Journal, Super Bowl LVIII in Las Vegas has resulted in the lowest announced attendance for any non-pandemic Super Bowl. Officially, 61,629 are here for the game. ..."

Reference: www.nbcsports.com

---

---

If You’re Retired, Do You Still Need Life Insurance?

Title: If You’re Retired, Do You Still Need Life Insurance?

Article Snip: "...It depends, but in general people tend to be underinsured early in life and overinsured later in life. Before making any decisions, get a needs analysis. ..."

Reference: www.kiplinger.com
Do You Still Need Life Insurance in retirement?

---

---

Nalcrest - A Florida Retirement Community for Letter Carriers

Nalcrest - A Florida Retirement Community for Letter Carriers

From the article: "...One of the most unique retirement communities in all of Florida is located about an hour outside of Orlando in Polk County. The community’s name is Nalcrest, and the unique thing is that with very few exceptions, all of its residents are retired US Postal workers. ..."

Article Reference: www.floridaforboomers.com
Nalcrest, Florida, National Association of Letter Carriers (NALC), Retirement Community for Letter Carriers,

---

---

Here is the average income for retirees in the US — how do you compare?

Title: Here is the average income for retirees in the US — how do you compare?

Article Snip: "...Americans hoping to retire soon aren’t likely to feel that the timing’s ideal. Even those with decades worth of savings are taking huge hits, no thanks to the triple whammy of inflation, high interest rates and a volatile stock market. ...Social Security retirement benefits averaged... "

Reference: moneywise.com
Average income for retirees (Feb. 2024),

---

---

2024 Elections | Biden WILLFULLY retained classified information, including top secret documents and shared them

Key things we learned from the special counsel's report into Biden's handling of classified documents

Snippet of Article: "...on his staff, saying he took responsibility for “not having seen exactly” what they were doing. “I take responsibility for not having seen exactly what my staff was doing,” Biden said, when asked by a reporter ...The special counsel report found that Biden willfully retained classified information, including top secret documents, and knew he was in possession of some documents as far back as 2017, and shared some of that information with the ghostwriter of his 2017 memoir. ..."

Source: www.cnn.com

---

---

Secure Act 2.0 | This bill creates even more changes to the way you need to plan for retirement.

Title: Secure Act 2.0 | This bill creates even more changes to the way you need to plan for retirement.

Article Snip: "Whenever there are sweeping laws like this, there is usually a period of time during which law makers have to clarify the legislation. ...The first big change comes to RMDs. The original Secure Act...Changes to Roth accounts... Spousal Inheritance Options... TSP Factors"

Reference: www.fedweek.com

---

---

Traveling Abroad? | Credit card, etc. usage and the currency exchange

Title: Money in Italy: Banks, ATMs, cards & currency exchange

Article Snip: "...Always choose to be charged in EUR, the local currency

One thing you should be aware of if you use a credit or debit card abroad, is something called Dynamic Currency Conversion (DCC). How it works is that when you pay, you might be asked if you want to be charged in your home currency. While that sounds nice and easier to understand, it means that the exchange rate applied is chosen by the retailer's bank. As a general rule, this won't be as good as the rate your own bank would give you (after all, it's in your bank’s interest to keep you happy).

Instead, always opt to pay in the local currency to make sure you get the best deal. ..."

Reference: wise.com

---

---

Hopefully You Are Not Missing This Rare Opportunity for 5.25%+ Certificate of Deposit Rates (CD) Instead of Meager Bank/CU Savings Rate

We are NOT offering investment advice. We offer you the 'referenced' facts for you to make your own decisions.

Title: Hopefully You Are Not Missing This Rare Opportunity for 5.25%+ Certificate of Deposit Rates (CD) Instead of Meager Bank/CU Savings Rate

"The Fed has maintained a higher interest rate for a period in an effort to reduce inflation. That means banks and credit unions should be offering you a good rate on CD's ...a rate that is likely to drop several times in 2024 as the Fed is pressured to do so. If you want to capture this rate or better, now looks like the time. We have noticed many offerings that are appealing as opposed to the average savings account rate of less than .50% return. One example offered by a reader states that he or she has captured a 5.25% CD (simple interest, not compounded) for seven months with a $5,000 minimum. This is a considerable difference in the savings rate. Don't let your money sit idle and leave money on the table that you do not have to lock up for years. "

Reference: Federal Retirement News
Certificate of Deposit Rates (CD),Investing,CD's vs. Savings,

---

---

Postal Service Health Benefits (PSHB) Program FAQs

Title: Postal Service Health Benefits (PSHB) Program FAQs

Article Snip: "The Postal Service Health Benefits (PSHB) Program is a new, separate program within the Federal Employees Health Benefits (FEHB) Program, administered by the Office of Personnel Management (OPM) which will provide health insurance to eligible Postal Service employees, Postal Service annuitants, and their eligible family members starting in 2025. The PSHB Program coverage will replace Federal Employees Health Benefit (FEHB) Program coverage for these groups. "

Reference: www.opm.gov
Postal Service Health Benefits (PSHB),Medicare,

---

---

This California retiree collects — and returns — old postcards

Title: This California retiree collects — and returns — old postcards

Article Snip: "Lowell Joerg says he ‘likes to send history’ through the mail...The 95-year-old Stockton, CA, retiree mails his finds to the places they depict — a longtime hobby he calls his “redistribution of happiness” project. ..."

Reference: news.usps.com

---

---

OPM Application for Court-Ordered Benefits for Former Spouse (PDF)

Title: OPM Application for Court-Ordered Benefits for Former Spouse

Article Snip: "...Use this application if you are the former spouse of a Federal employee/annuitant covered by the Civil Service Retirement System (CSRS) or the Federal Employees Retirement System (FERS), you wish to apply for a court-ordered retirement benefit, and you have obtained a court-order acceptable for processing. You can also find this form on our website at www.opm.gov/retirement-services/my-annuity-and-benefits/life-events?#url=Court-Order. Supporting documentation must be submitted with this application. This includes ..."

Reference: www.opm.gov
Forms, Application for Court-Ordered Benefits for Former Spouse (PDF), RI 84-1, SF 3119

---

---

Surprise! If You're a Medicare Enrollee, You May Have to Pay for These Expenses on Your Own.

Title: Surprise! If You're a Medicare Enrollee, You May Have to Pay for These Expenses on Your Own.

Article Snip: "...Medicare provides health coverage to millions of seniors today. But even with that coverage, retirees commonly have to reach into their wallets to cover expenses that Medicare won't pay for. Here are a few items that fall into that category. ..."

Reference: www.fool.com
Medicare, Original Medicare vs Medicare Advantage,

---

---

93-year-old athlete’s workouts reveal 4 secrets to maintaining longevity

Title: 93-year-old athlete’s workouts reveal 4 secrets to maintaining longevity

Article Snip: "...At 93, Richard Morgan is as fit as someone half his age. The Irishman was the subject of a new analysis, published last month in the Journal of Applied Physiology, of his training regimen, diet and overall health. ...Physiological characteristics of a 92-yr-old four-time world champion indoor rower"

Reference: nypost.com
Health,super-agers,Exercise,Rowing,Diet,Physiology, world champion indoor rower,Aging,Concept2 RowErg,

---

---

What Are Your Options if You Haven't Saved Enough When You Retire?

Title: What Are Your Options if You Haven't Saved Enough When You Retire?

Article Snip: "...It's not an uncommon situation at all: Retirement is getting closer, and you're starting to worry that you haven't saved enough. Retiring without enough income or resources is a frightening prospect, and you're scared. Indeed, according to the 2023 Retirement Confidence Survey, 33% of respondents have less than $25,000 in savings and investments (excluding the value of a primary home). ..."

Reference:www.fool.com

---

---

America is hitting "peak 65" in 2024 as record number of boomers reach retirement age. Here's what to know.

Title: America is hitting "peak 65" in 2024 as record number of boomers reach retirement age. Here's what to know.

Article Snip: "...2024 will be a record-breaking year for retirement in the U.S., with an average of 11,000 Americans a day expected to celebrate their 65th birthday from now until December. Approximately 4.1 million Americans are poised to turn 65 this year and every year through 2027, according to a report from the Alliance for Lifetime Income. Dubbed by experts as "peak 65" or the "silver tsunami," the figure represents the largest surge of retirement-age Americans in history...."

Reference: www.cbsnews.com
Silver Tsunami,Baby Boomers,2024,

---

---

The Biden Years | The US may have tiptoed around a recession last year, but it won't be so lucky in 2024

Title:

Article Snip: "...careful look at the labor market now will suggest that hiring has just ground to a halt...The problem is that the Fed badly misread how long high inflation would linger...In December, the core inflation print notched an annual 3.2% increase. "They've never missed in that direction by that magnitude ..."

Reference: www.businessinsider.com
2024, The Biden Years,Inflation,Recession 2024,Biden Legacy,Destruction of Seniors,Destruction of Retirees,

---

---

Trump urges unity, Dems stoke racism and divide

Title: Trump easily wins Iowa caucus in historic landslide, urges unity to ‘straighten out death and destruction

Article Snip: "The 77-year-old Trump recorded the biggest margin of victory in the modern history of the Iowa GOP caucus ...“I want to congratulate Ron and Nikki...“I think they both actually did very well. I really do. I think they both did very well.” ...“I really think this is time now for everybody in our country to come together. We want to come together — "

Reference: nypost.com
Iowa Caucus, Trump Wins,2024,

---

---

I’m 80 and my single daughter is bullying me into childcare

Title: I’m 80 and my single daughter is bullying me into childcare

Article Snip: "Now is the time to say ‘No!’ It will feel frightening, but you must do it anyway and, with time, you will feel more confident...Last year I had to stay at her house for three weeks while she did a course. As time went on it became clear that her course would mean she would be away on far more occasions. We sold our house in Spain so that we could be on hand even more. I found this sale stressful and my health deteriorated during that time. The completion date was to be on a day when she wanted me to be with our grandson. I told her I would have to be in Spain and she was extremely nasty, bullying me into changing the day to suit her. We had to change the documents and rush everything. We then had to dash up by car to look after my grandson. ...we've created now is a generation of kids where adolescence is the new childhood, where they're coddled and they're over parented and they're over protected." ...psychologist says hyper-vigilant parents are projecting their worries onto their children, leading to new generations with serious mental health issues. "Children are not fragile," said Dr. Simon Sherry."

Reference: www.theguardian.com
The Problem isn't your child - It's you! Coddling your children helps no one.

More Reading: Coddled kids end-up incapable, anxious, and depressed: Halifax psychologist

---

---

Trump to take the stage in Iowa for Fox News town hall

Title: Trump to take the stage in Iowa for Fox News town hall

Article Snip: "...town hall will air at 9 p.m. ET...Former President Trump is expected to take the stage Wednesday for a live town hall from Iowa, where he will take questions on the leading issues facing voters in the Hawkeye State and across the nation. ..."

Reference: www.foxnews.com

---

---