Wednesday, 21 January, 2026
Social Security has been a cornerstone of retirement income for millions of Americans, but recent tax changes could move its insolvency date forward—meaning benefit cuts may arrive sooner than expected. For seniors, retirees, and those planning to retire in the next decade, understanding this shift is essential for protecting financial […]
Purchasing travel/vacation packages through a travel agency versus a warehouse club like Costco, BJ’s, or Sam’s Club has its own set of pros and cons. Here’s a detailed comparison to help you make an informed decision: Travel Agency Pros: Personalized Service: Travel agencies often provide personalized service, tailoring packages to […]
To avoid outliving your retirement savings, you need to take a strategic approach that involves careful planning and disciplined spending. Below are specific tips with dollar amounts based on a person with an average lifetime salary of $75,000 a year. 1. Understand Your Living Expenses Rent/Mortgage: If you’re paying $1,500/month […]
Smart Tips to Prepare for Unexpected Medical Costs After Age 62: Many people assume that once they turn 65 and enroll in traditional Medicare, most of their healthcare costs will be fully covered. The truth is: Medicare covers a lot—but not everything. Retirees are still responsible for premiums, deductibles, copayments, […]
The life cycle of hair consists of three phases: Anagen (Growth Phase): This is the active phase where hair grows, lasting 2 to 7 years. About 85% of hair is in this phase at any given time. Catagen (Transition Phase): A short transitional phase where hair growth stops, lasting 2 […]
Signed into law on July 4, 2025, the One Big Beautiful Bill Act introduces sweeping changes to Medicaid: For the first time, able‑bodied adults aged 19–64 are required to work, volunteer, attend school, or engage in community service for at least 80 hours per month to qualify or maintain eligibility. Exemptions apply […]
When thinking about retirement savings, most people focus on 401(k)s, IRAs, or pensions. But there’s another tool that’s often underestimated—and it offers triple tax advantages. That tool is the Health Savings Account (HSA). Originally created to help people cover out-of-pocket medical costs, the HSA has evolved into one of the […]
Whenever I hear a question like, “How can I talk to my teenage daughter?” the first thought that comes to mind is that these parents probably didn’t know how to talk to their children when they were young. Now, as their kids enter adolescence, they don’t understand the language, attitude, […]
A Fair and Balanced Overview Post-Enactment How It Was Formed & Passed Budget Reconciliation Process Congress used budget reconciliation via H. Con. Res. 14 and S. Con. Res. 7 to avoid the Senate filibuster. The bill—H.R. 1—was introduced in May 2025 and heavily shaped by House Budget and Ways & […]
Eighty years ago, Grand Rapids, Michigan became the first city in the United States—and in the world—to decide to add fluoride to its public drinking water. The date was January 25, 1945. Studies in the 1940s showed that communities whose water naturally contained fluoride had children with far fewer dental […]