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Government-Backed Discounts for Internet Now Up and Running

Offer Details: Lifeline offers up to a $9.25 discount off monthly phone or internet bills to households that make less than 135 percent of the federal poverty guideline or have at least one family member in some public assistance program such as the Supplemental Nutrition Assistance Program (SNAP), Medicaid or Supplemental Security Income (SSI). For a family

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The Latest Research on Vitamin D and COVID-19 Prevention

Offer Details: En español | In the early days of the pandemic, when health care workers were struggling to treat patients who poured into emergency rooms sick with COVID-19, a 2017 study landed in David Meltzer's inbox that gave him an idea. It found that people who took vitamin D were less likely to have a viral respiratory tract infection. "At that point, we had nothing” to treat COVID-19, says Meltzer

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Great Sex Without Intercourse

Offer Details: Great sex minus intercourse involves the same leisurely, playful, whole-body caressing that sexuality authorities recommend to lovers of all ages. But with intercourse off the menu, it focuses instead on the many other ways couples can make love: hand massage, oral sex and toys — specifically dildos and vibrators for women, and penis sleeves

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Which Credit Card Should You Pay Off First

Offer Details: Strategy 1: If you despise high-interest rates, start by paying off the card with the largest rate, no matter the balance. Strategy 2: If you want to knock out large debts, attack the card with the biggest dollar balance first, regardless of the interest rate. Strategy 3: If you're tired of juggling too many cards, first pay off the card with

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High Blood Pressure Medications And Feeling Tired

Offer Details: 1. Blood pressure medications. Why they’re prescribed: All blood pressure medications — and there are at least eight categories of them — are used to lower the pressure inside blood vessels, so the heart doesn’t have to work as hard to pump blood throughout the body. Top-selling blood-pressure medications include lisinopril (Prinivil, Zestril), an ACE inhibitor; amlodipine (Norvasc), a

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Mortgage Home Loan, to Pay-Off or Not

Offer Details: If you're carrying credit card debt, pay that off first. It saves you much more money than prepaying your mortgage, and interest on consumer debt isn't tax-deductible.. If you're working, add your extra dollars to tax-favored retirement accounts such as IRAs or 401(k)s.Traditional accounts give you a current tax deduction, with earnings tax-deferred.

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How Long Should Your Coronavirus Quarantine Last

Offer Details: The key to coming off isolation is to make sure your symptoms are improving. If they do not improve, touch base with your doctor. Warning signs that require immediate medical attention include trouble breathing, persistent pain or pressure in the chest, new confusion, inability to wake or stay awake, and bluish lips or face.

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Safely Unsubscribe From Email Spam

Offer Details: With email spam, the longtime rule has been not to click the unsubscribe button because that can merely tell unscrupulous spammers that your email account is live, and typically results in getting more. That advice remains true for most spam — especially obviously bogus messages such as unsolicited offers for low-cost drugs and loans, free merchandise or lottery winnings, misspelling-riddled

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Who Is Eligible for the Third Round of Stimulus Checks

Offer Details: The maximum amount for the third round of stimulus checks will be $1,400 for any eligible individual or $2,800 per eligible couple filing taxes jointly. Each eligible dependent — including adult dependents — also will qualify for a payment of $1,400. That means a family of four could receive as much as $5,600 in total.

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How Social Security Benefits Are Calculated

Offer Details: As an example, if your PIA worked out at $1,000, it would be discounted down to $750 if you took benefits at the earliest possible age, 62. If you decided to go for your maximum possible benefit and put off collecting until age 70, your monthly payment would be $1,320. You can learn more from this Social Security pamphlet.

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Collecting Social Security Benefits As A Spouse

Offer Details: En español | Yes. You may be able to do this in the form of spousal benefits, or as survivor benefits if you are a widow or widower.. Depending on your age upon claiming, spousal benefits can range from 32.5 percent to 50 percent of your husband’s or wife’s primary insurance amount (the retirement benefit to which he or she is entitled at full retirement age, or FRA).

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States That Won’t Tax Your Retirement Distributions

Offer Details: Taxing retirement plan distributions isn't an all-or-nothing proposition. For example, 20 states don't tax military retirement income, according to Wolters Kluwer, a provider of tax information and services. Alabama, Arkansas, Connecticut, Hawaii, Illinois, Iowa, Kansas, Louisiana, Maine, Massachusetts, Michigan, Minnesota, Missouri, New Jersey, New York, North Dakota, Ohio, …

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Lump-Sum vs Monthly Pension Payments: Which Is Better

Offer Details: En español | In the midst of a COVID-19-induced sales slump, Honda recently offered early retirement to some of its U.S. workers 55 and older. Those who accepted were given a choice: Either stay with the pension they'd earned — meaning they'd receive monthly payments for the rest of their lives — or walk away with a single, large payment calculated to be a fair approximation of such a

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Older Women Saving Money, Avoiding Loneliness With

Offer Details: Decide how common rooms will be used and cleaned, what possessions are shared or off-limits, and how chores will get done. In writing, spell out rules on smoking, overnight/day guests, how and when to pay bills, and what happens if the home share fails. All should sign.

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Pros and Cons of Tablets vs. E-Book Readers

Offer Details: While the company strips off identifying elements when it lumps all users' data together, the information still is being collected and analyzed. All buyers of electronic devices should beware. Editor's note: This column, originally published Feb. 3, 2020, was updated to add the privacy concerns highlighted in The Guardian article.

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Ask Sid: Does idling waste more gas than turning off and

Offer Details: Q. Does letting a car idle waste more gas than shutting off and restarting the engine? If so, at what point, time-wise? A. Just 10 seconds of idling uses as much gas as restarting your car, according to the California Energy Commission Consumer Energy Center, which recommends you shut off your car when you’re parked (at a drive-through business, for instance) for more than 10 seconds.

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Can I Switch From My Social Security Benefit to a

Offer Details: In this case, you can claim your own Social Security beginning at 62 and make the switch to spousal benefits when your husband or wife files. Social Security will not pay the sum of your retirement and spousal benefits; you’ll get a payment equal to the higher of the two benefits. If your spouse is already getting Social Security when you

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USPS Holidays 2021: Is the Post Office Open

Offer Details: While brick-and-mortar facilities are closed, some post office services are available online 24/7, including on holidays. With a USPS.com account, you can order stamps, print shipping labels, order boxes and other mail supplies, and request package pickups.. Stamps are also sold at most major supermarkets, pharmacies and office supply stores, which are open on some federal holidays.

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5 People Share How they Live on Social Security

Offer Details: Both collect Social Security, including his larger check of $1,800. Adams also receives a monthly stipend from the military. The couple has a $1,300 monthly mortgage. He pays $450 a month for a 2017 Lincoln MKZ; her Honda is almost paid off. Car insurance costs a combined $180 per month.

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Federal Bank Holidays 2021: Find Out if Your Branch Is Open

Offer Details: On these days, brick-and-mortar branches will likely be closed. (Two notable exceptions among major national banks are TD Bank and PNC Bank, which will operate normally July 5.) If so, in-person services are not available: Tellers and other staff get the day off, and drive-through service is typically closed, too, unless it's automated.

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Can I Collect Spousal Benefits And My Own Social Security

Offer Details: En español | Technically, yes, you can receive both spousal benefits and your own retirement payment. As a practical matter, however, you'll get the higher of the two amounts, and no more. That's because when you are eligible for two kinds of benefit, Social Security does not combine them but rather compares one to the other.

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How Much Money Do You Need to Retire

Offer Details: The standard monthly premium for Medicare Part B, which covers most doctors’ services, is $148.50 or higher, depending on your income. You also have to pay 20 percent of the Medicare-approved amount for doctor's bills as well as a $203 deductible. All told, the average couple will need $295,000 after taxes to cover medical expenses in

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Why Delaying Social Security Benefits Until 70 May Be

Offer Details: But delaying when you stop working and when you start living off your savings can really shore up your retirement security. If you’re in a job you enjoy, now is the time to think through what skills you might need to add, or polish, to make you a valued employee through your 60s.

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Creating A Will Online Or With A Lawyer

Offer Details: En español | If you've put off making a last will and testament because you don't want to pay a lawyer, you should know that it's not necessary to hire an attorney to draw up a will.. Many people who require a basic will can create one online or simply use store-bought legal forms. Each of these methods of creating a will is far less expensive than retaining a lawyer to do the job.

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Hip Fracture Survival and Recovery

Offer Details: The statistics put Jackson in a select minority: those who not only survive a hip fracture but thrive after one. Of the 300,000 Americans 65 or older who fracture a hip each year, 20 to 30 percent will die within 12 months, and "many more will experience significant functional loss," according to a 2009 study published in The Journal of the American Medical Association (JAMA).

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States Offer Free or Low-Cost Classes for Older Adults

Offer Details: Indiana requires public colleges to offer retired residents 60 and up a discount of at least 50 percent off in-state tuition on a maximum nine credit hours a semester. Some schools offer an even better deal: For example, Ivy Tech Community College and Vincennes University waive 100 percent of tuition for a credit course. And at Purdue University's Fort Wayne campus, you can audit classes for free.

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Audible Monthly and Annual Subscription Discount for AARP

Offer Details: As an AARP member, you can save $2 off a monthly Audible subscription or $30 off an annual Audible membership. Access the largest audiobook selection now.

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Watch Out for Keto Diet Supplement Scams

Offer Details: Keto is a popular — and controversial — weight-loss craze. Since March, AARP's Fraud Watch Network Helpline has logged more than 25 reports of keto pill scams, an uptick from previous months, says AARP's Amy Nofziger, who oversees the free helpline, 1-877-908-3360. She says the helpline has heard from victims who lost more than $1,000 in

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3 Vitamins You May Need If You're 50 or Over

Offer Details: En español | Taking a dietary supplement or two (or five) every day isn't exactly uncommon. About 70 percent of adults age 60 and older reported taking at least one supplement in the last month — be it a multivitamin or a chocolate-flavored calcium …

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Factors to Consider When Your Car Lease Ends

Offer Details: It's an incentive, but without the fire-sale stigma of shouting, “$5,000 off!” in bold headlines or on TV ads. Most leases are for three years, and a 3-year-old vehicle typically is worth not much more than half its new value. Your 3-year-old car could have depreciated just 42 percent,

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Is It Safe to Finally Get Rid of Your Landline

Offer Details: The whole thing costs $100 up front, a $30 discount from the usual $130 that’s about the same price as two months of landline service. Then the service is $12 a month for an unlimited nationwide calling cellular access plan, $22 for unlimited calls to the U.S., Canada and Mexico.

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Taking Social Security at 63 or 66

Offer Details: If you are under full retirement age for the entire year, SS deducts $1 from your benefit payments for every $2 you earn above the annual limit. For 2015, that limit is $15,720. In the year you reach full retirement age, SS deducts $1 in benefits for every $3 you earn above a different limit. In 2015, the limit on your earnings is $41,880 but

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What You Need to Know About Cryptocurrency Scams

Offer Details: Some cryptocurrency crooks peddle nonexistent opportunities to invest in digital currencies and creating the illusion of big returns by paying off old investors with new investors’ money. One such operation, called BitClub Network, raised more than $700 million before its principals were indicted in December 2019, according to federal

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10 Years to Retirement: How to Get Ready

Offer Details: Take a quick test Assuming your retirement is about 10 years away, you want to have roughly seven times your current salary in savings, according to research from Fidelity. That puts you on the road to having about 10 times your final salary saved by retirement and maintaining your present standard of living. Retire before hitting 67 and you

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Hearing Aid Batteries Last Longer With These Tips

Offer Details: Hearing aid batteries come in sealed packs with plastic tabs on the back of each battery. Don't remove the tab until you are ready to insert the battery. As soon as the back of the battery comes into contact with air, it is activated and begins using energy. Store batteries properly. Keep unused batteries in a cool, dry place.

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Can I Collect Social Security From My Ex-Spouse

Offer Details: You are at least 62 years of age. Your ex-spouse is entitled to collect Social Security retirement or disability benefits . Your former spouse doesn't have to be collecting his or her retirement benefits yet for you to claim ex-spousal benefits. However, if this is …

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Do My Spouse's Earnings Affect My Social Security Benefits

Offer Details: Based on your respective earnings records, your retirement benefit is $1,200 a month and your spouse’s is $2,000. Your spousal benefit would be $1,000 — half of your spouse’s benefit — so Social Security will, in effect, ignore it and pay your higher retirement benefit of $1,200. But suppose your retirement benefit is only $900 a month.

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Divorce and Social Security Spousal Benefits

Offer Details: A: Go online to Social Security or call 1-800-772-1213 (TTY 1-800-325-0778). Be prepared to provide documents that establish your right to the benefit. You'll likely be asked for your birth certificate, marriage license and divorce decree. Plus you'll need your ex-spouse's Social Security number.

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When You Take Your Daily Medications May Be Key

Offer Details: When to take medicine: Take at least one blood pressure-lowering medication at bedtime. Drugs called ACE inhibitors and ARBs are the most effective when taken at this time. Here's why: Non-dipping is a major risk factor for stroke, heart attack and kidney disease. Taking one or more of the prescribed medications just before bedtime normalizes

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How to Assess What You Need in a Cane or Walker

Offer Details: The handle. With any handle, you'll want the right height. “With your elbow bent at a 10- to 30-degree angle, the top of the cane would come to your wrist. If it's taller than that or a lot lower, it can throw off the mechanics of how you're walking,” Yourman explains. Two more considerations when deciding on your type of grip: comfort and

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Medicare Coverage Under Spouse’s Employer

Offer Details: A. No, as long as you follow Medicare’s rules. Almost anybody who is retired but has group health coverage from the employer of a spouse who is still working does not need to sign up for Medicare Part B on reaching 65. When your spouse retires — or gets laid off or otherwise stops working for this employer — you will then be entitled to a

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New Tax Law May Make Paying Down Mortgage Popular

Offer Details: This consumer would have been better off by $1,085 a year by paying down the mortgage, because saving $2,800 is better than earning $1,715. Under the new tax law, this person is less likely to benefit from the mortgage tax deduction. Mike Piper, author of Taxes Made Simple, says that many people who used to itemize are less likely to do so now

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Laid Off or Displaced

Offer Details: The term "laid off" is most often used to describe workers who lose jobs because their work is no longer needed. “Displaced” is sometimes used to describe workers who have been permanently laid off, or laid off due to a big closure. “Dislocations” are layoffs due to competition from imported products.

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What to Do When You Lose Your Job

Offer Details: 4. File for unemployment. If you're fired or laid off, most states have a set time you must have worked in order to qualify for unemployment. If you are eligible for benefits, take them. Apply by contacting your state's unemployment insurance agency as soon as you are fired or laid off.

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25 Money Saving Ways to Reuse worn-out Pantyhose – Savings

Offer Details: Or, just cut off the waistband and use it as a giant rubber band to keep garbage bags from sliding down into the can. Lint removal: Use old pantyhose like a mitten to remove lint and pet hair from clothing and upholstery rather than using a lint brush. The mitt will also remove deodorant residue from clothing.

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10 Best Hairstyles for Women Over 50

Offer Details: Mary Steenburgen, Viola Davis and Bo Derek. 2. The blunt LOB. If you can't stand to let go of long hair completely (but should), compromise with a long bob — or LOB as it's known. This collarbone-grazing blunt cut happens to be the most universally flattering longish length for …

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Ativan Addiction and Withdrawal

Offer Details: If your wife has moved into taking five or six half-milligram tablets of Ativan a day, the tapering-off process could well take four to six months — plus a lot of willpower on her part. The doctor may recommend that your wife step the Ativan down in stages of just 0.25mg and stick with each stage for 15 to 30 days to minimize withdrawal symptoms.

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Can You Catch the Coronavirus After Getting Vaccinated

Offer Details: A Centers for Disease Control and Prevention (CDC) report published on April 2 found that the two-dose COVID-19 vaccine regimen (by Pfizer-BioNTech and Moderna) prevented 90 percent of coronavirus infections two weeks after the second dose, which is when you are considered fully vaccinated. Of the 2,479 vaccinated people in the CDC study, just three had confirmed coronavirus …

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More Side Effects for Second Doses of COVID-19 Vaccine

Offer Details: En español | A few hours after getting the second dose of her COVID-19 vaccine one morning in mid-February, Wendy Reiter's arm was a bit sore, just as it was after her first shot. But by evening, she felt flu-like, with body aches, a headache and serious fatigue. “I felt like I was hit by a truck. I was essentially laid up for a day and a half, sleeping on an off all day and feeling out of

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