FAQs about Medicare: Filling the gaps
Every day, my in-box is filled with questions from readers about the nuances of Medicare. The following frequently asked questions concerning signing up or changing your coverage will help you navigate the system and deal with tricky issues.Q: Why do I need Medigap insurance?A: Even with Medicare, you still have to pay deductibles and co-payments. Most people buy... READ MORE
How to track down your forgotten cash
If you’ve ever pulled a $20 bill out of the pocket of an old pair of pants or a mothballed winter overcoat, you know the pure joy of finding money you didn’t know you had.But many of us have much larger sums languishing in old bank accounts, forgotten insurance policies, uncashed paychecks, and other relics of our financial lives.When an account is inactive for a certain period... READ MORE
A good problem to have: saving too much
The most fundamental financial advice — to consistently save — is absolutely correct. What’s less obvious, yet equally correct, is that you can also save too much.Your financial plan should not only help you to live better in the long run. It should also help you live better today. The truth is, accumulating more in savings than you will need for retirement can be a... READ MORE
Nervous investors look to dividend stocks
While most investors are publicly celebrating this record-setting bull market, many tell me in private that they’re nervous about the possibility of a downturn.People have different reactions when the market does so well for so long. Some are sure they should get out, but greed won’t let them pull the plug. Others are eager to get in on the action, but fear won’t let them... READ MORE
Widows need an attorney to protect assets
Recently widowed women and their children are vulnerable. After losing a spouse, many women are treated poorly. They need a champion with expertise in estates, contracts, competency, and other legal subjects. As explained below, this area of law is effectively a “wronged widow” practice.For centuries, numerous people have profited from the death of a colleague, friend or... READ MORE
Let’s retire these five myths of retirement
After decades of paychecks, you might be counting the days before you can leave your job for good.However, your idea of what lies ahead in retirement years may be far different from reality. You need to be prepared for the fact that life as a retiree may not follow the script you wrote in your head.Here are five myths about retirement that catch many retirees by surprise:Retire-Myth No.... READ MORE
Praising volunteers of all ages
Janice and George Vanisko were “sort of embarrassed” to be heralded a few months ago by the County Council and the Volunteer Center of Howard County with the Dynamic Duo Award, one of several awards honoring county volunteers. After all, they say, shouldn’t we all spend hours each week helping those in need? Janice, a 76-year-old retired nurse, and her husband George, 82, a retired ... READ MORE
Certified used cars offer peace of mind
A certified pre-owned vehicle costs more than a regular used car, but it can give buyers some peace of mind in an often murky market.Certified pre-owned vehicles are used cars that are backed by an automaker’s guarantee. They’re usually newer cars, coming off two- or three-year leases.Certified pre-owned programs limit the miles the cars can have on them — under 60,000, in ... READ MORE
Biggest estate-planning mistakes to avoid
There are several common mistakes people can make when planning — or not planning — for what will happen with their estates when they die.The legacy you leave can either simplify the process of dealing with your personal and financial property, or it can be a worrisome burden for those you leave behind.So let’s take a look at what you should discuss well ahead of time with ... READ MORE
Startups focus on better aging
Can you imagine a pair of glasses that can brighten and enlarge whatever you happen to be reading or looking at, responding to your voice commands? Or can you imagine a phone app that summons a trained driver in a wheelchair-accessible van to take you to a doctor’s appointment? Or can you visualize the difference it would make to an Alzheimer’s patient if his caregivers had instant... READ MORE
Money 2024
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