Retirement

This isn’t the only important point when it comes to Medicare, the flu, and the flu vaccine. getty The flu season is coming. We don’t know exactly when it will arrive or how long it will last but it’s on its way. In the United States, flu season generally begins in October, peaks between December and February,

getty Should the forgotten parts of the market be ignored, or does opportunity knock? Is it a stock market, or a market of stocks? So goes the old Wall Street expression. In our sound-bite lives, even an observant investor could be excused for not realizing how uneven the returns have been among the 11 sectors

getty Will the HEROES Act form the basis of an eventual stimulus-spending deal, if indeed there is one? Current reporting focuses on the amount of spending on such particulars as stimulus checks, unemployment boosts, and the like, while ignoring the endless list of additional provisions, from ballot harvesting to a T-band auction repeal, to yes,

getty Do you want to know an often underutilized strategy to increase the odds you will retire in comfort? It not only has the power to make you more financially secure, but it can give you greater peace of mind. What’s more, you won’t have to leave your kitchen table to use this method. Here

getty Younger workers are concerned that social security will no longer be available for them when they retire. They fear that they have been paying into the system for years, but there will be nothing left when they retire.  Social Security Trustees released their annual report in April 2020, and stated there is a possibility that social

The last time I put a presidential campaign sign in my front yard was 2004. We lived on a small court, and we had just moved in that September. One of our neighbors was another young couple, but the other two families had lived there since the houses were built in 1960. My political convictions

The previous discussion makes clear that the parameters offered by an FIA (floors, participation rates, caps, spreads, and buffers) will depend in large part on the level of interest rates and the cost of financial derivatives for the associated index. Higher interest rates mean that principal can be protected with less assets, which then leaves

Gassman, Crotty & Denicolo, P.A. Yesterday the SBA released the new Form 3508S (you can remember the new Form by the poem shown at the end of this article), together with an interim final rule, which is a very nice surprise for PPP borrowers who received loans of $50,000 or less. This comes on the

Treat Medicare Open Enrollment like you’re buying a car. getty Do you remember how much time you spent shopping for the last car you bought? One study said car buyers spend almost 15 hours.  Now, think about your Medicare Advantage plan. How much time did you spend checking that out? There haven’t been any official studies but,

Getty Images Borrowers need not pay interest at the otherwise applicable six months after loan date. Most PPP borrowers are aware that they will not pay interest on loans that are eventually forgiven by reason of paying expenses that are eligible to cause forgiveness. The promissory notes signed by most PPP borrowers have provided that

WASHINGTON, DC – OCTOBER 08: Speaker of the House Rep. Nancy Pelosi (D-CA) during the Weekly News … [+] Conference on Capitol Hill on October 08, 2020 in Washington, DC. Pelosi spoke on the uncertainty around negotiations of another emergency COVID-19 relief package. (Photo by Tasos Katopodis/Getty Images) Getty Images Will President Trump put together

MARLBOROUGH, MA – AUGUST 19: Sr. Jeanne Fregeau, 93, waits for her morning medication at St. … [+] Chretienne Retirement Residence. Since COVID-19 spread through the facility in April the chapel has been closed, leaving the residents to watch Mass on television. (Photo by Craig F. Walker/The Boston Globe via Getty Images) Boston Globe via

getty Covid ruined everything. It abruptly halted a humming economy. Worse, it cost many their jobs as state governments shuttered entire industries. Congress, in an attempt to stave off immediate cash flow short-falls, passed the CARES Act hoping to help those who lost income as a result of these shut downs. As with all good

The pandemic has changed the world and the world of aging particularly. As elders are at significantly higher risk than others for serious illness and death from Covid-19, more precautions have been in place from the beginning. Where immediate steps for extra preventive measures were not in place, deaths rapidly increased. Even with awareness, the

PARIS, FRANCE – FEBRUARY 12: In this photo illustration, a visual representation of the digital … [+] Cryptocurrency, Bitcoin is displayed in front of the Bitcoin course’s graph on February 12, 2020 in Paris, France. The price of Bitcoin is rising and has once again passed above the very symbolic bar of 10,000 US dollars.

Black, Latinx and Asian Workers Feel The Brunt Of The Recession. getty The country is in a deep recession amid a global pandemic. Millions of people are still out of a job. Many now face financial hardship, as the federal government’s initial additional unemployment benefits ended in July. Yet the pace of job growth has

Not paying close attention to your medicare Plan’s Annual Notice of Changes could cost you. getty If you have a Medicare Advantage or Part D prescription drug plan, you’ll want to read this post.  By now, you should have received an envelope labeled with “Important Plan Information” in bold type. If you’re like most, you

getty We’ve been in a retirement crisis for a long time.  Way back in 1992, an Atlanta Journal-Constitution article warned that “[w]ith savings rates down, the future of Social Security in question and traditional plans going the way of the eight-track tape, experts say there’s a retirement crisis looming in America.”  A non-stop drumbeat of

Abraham Lincoln statue in front of the Illinois State Capital Building in Springfield, Illinois getty Longtime readers with particularly good memories may recall my first actuary-splainer: “Why Public Pension Pre-Funding Matters.” Knowing that many public pensions have had a long legacy of unfunding, and that the elected officials in charge of those plans have been

As a CERTIFIED FINANCIAL PLANNER™ professional with over 30 years in the financial services industry, I am often asked, ‘Is it too early to start planning for retirement?’  And my answer is always the same – it is never too early! The Report on the Economic Well-Being of U.S. Households in 2018 which was released in