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Social Security, What Consumers Should Know

Social Security, What Consumers Should Know

Lifestyle

Only 2 percent of men and 4 percent of women waited until 70 to claim benefits. Do you know the best age for you to begin claiming Social Security retirement benefits?

People applying for benefits aren’t consistently given key information from the Social Security Administration that they might need to make better-informed decisions about when to begin taking retirement benefits, according to a new government report.

According to the GAO report, whether someone was applying for benefits online or face-to-face with a Social Security claims specialist, “claimants were sometimes provided information that could inadvertently influence them to claim earlier than they might have otherwise.”

For example, some individuals didn’t know that retirement benefits could be taxed or that their benefits could be temporarily reduced if they worked. Some were unaware that a wife or husband — even one who hasn’t worked — could be eligible for benefits based on the record of a working spouse. Some didn’t understand how benefits are calculated.  Read more…

 

New Research: Millennials’ Reputation as a Bunch of Job Hoppers Is Wildly Unfair

New Research: Millennials’ Reputation as a Bunch of Job Hoppers Is Wildly Unfair

Lifestyle

“The new normal: 4 job changes by the time you’re 32,” declared one CNN Money headline earlier this year, while Gallup branded Millennials, “the job hopping generation” just this May. New Research: Millennials’ Reputation as a Bunch of Job Hoppers Is Wildly Unfair

thumbnail courtesy of inc.com

How Italians Live to 100: Parsley, Sage, Rosemary, and Sex

How Italians Live to 100: Parsley, Sage, Rosemary, and Sex

Boomer Consumer

ROME — They are definitely doing something right in Acciaroli, Italy, a small town of 700 in the Cilento region south of Naples, where one in eight citizens is over 100 years old. And these aren’t just your average centenarians. How Italians Live to 100: Parsley, Sage, Rosemary, and Sex

thumbnail courtesy of thedailybeast.com

Yummm! Lemon Sponge Pudding

Yummm! Lemon Sponge Pudding

Lifestyle

Yummm! Lemon Sponge Pudding

http://specialforkblog.com/2013/11/11/lemon-sponge-pudding/Years ago, when I was the food editor of the Honolulu Advertiser, I saved a recipe for Lemon Sponge Pudding from a news wire story. I hadn’t run the story but must have liked the recipe, because I just found it recently in an old recipe binder. So after decades, I thought I’d try it out.

The recipe, probably part of a retro recipes story, was credited to Mrs. Anna Kellogg and printed in 1941 in “Favorite and Original Recipes of the Members of the San Joaquin County Farm Home Department of the Farm Bureau.” In those days, recipes didn’t have to be as detailed since women were more experienced cooks – there were no takeout or ready meal options….read more at specialforkblog.com

 

Live Like an Italian – Fight Major Health Issues

Live Like an Italian – Fight Major Health Issues

Lifestyle

Live Like an Italian – Fight Major Health Issues

http://yourhealthtube.com/live-like-an-italian-fight-health-issues/Live life like an Italian – because in some ways Italians have it all figured out, especially when health is in question. Doctors should prescribe vegetables, olive oil, and nuts instead of beta blockers and statins and encourage people to live like an Italian to fight major health issues, scientists have said. Aseem Malhotra, a British cardiologist, in his new film named “The Big Fat Fix, calls for a great health revolution that eliminates medications and embraces “lifestyle medicine”.

Aseem Malhotra, a British cardiologist, in his new film named “The Big Fat Fix, calls for a great health revolution that eliminates medications and embraces “lifestyle medicine”.

Doctor Malhotra claims that heart disease, diabetes, and obesity can all be reversed by accepting the real meaning of the Mediterranean Diet that couples healthy eating with the sunshine, relaxation, sleep, and exercise….yourhealthtube.com

 

Bust out the Bubbles: 7 Breathtaking Bathtubs

Bust out the Bubbles: 7 Breathtaking Bathtubs

Lifestyle

Bust out the Bubbles: 7 Breathtaking Bathtubs

http://blog.coldwellbanker.com/bust-bubbles-7-breathtaking-bathtubs/From modern to antique and from marble to copper, these bathtubs have something for everyone’s taste. But, let’s be honest, a bubble bath in any of these would be pretty divine.

Thinking of updating your bathroom? Use these different bathtub designs as inspiration.  From modern to antique and from marble to copper, these bathtubs have something for everyone’s taste.  But, let’s be honest, a bubble bath in any of these would be pretty divine….Read more…

 

20 Top New Entries That Will Welcome You Home

20 Top New Entries That Will Welcome You Home

Lifestyle

Entryways are all about first impressions.

What you encounter the moment you cross a threshold into a home sets the tone for how you will feel about the space — and yourself.

A look at 20 popular entryway photos recently uploaded to Houzz reveals that there’s no right formula, but a strong emphasis on feel-good materials and colors will surely be a welcoming beacon in your home.

Blue Me Away Eye-popping wallpaper and a geometric mirror and console table create a showstopping entry in this New York City home.

Wallpaper: Rosey Posey Trellis in Ginger Jar Blue, by Anna Spiro for Porter’s Paints, via Black & Spiro; Safina rug in Blush: Lulu & Georgia; console: West Elm (discontinued); Romano wall mirror in sapphire blue: Bungalow 5; Travis aged brass pendant: Hudson Valley Lighting; floral blue-and-white porcelain umbrella stand: Oriental FurnitureRead more about this and other entryways with stylish wall treatments M. Barnes & Co 2…..Via houzz.com

 

Sustainability and Urban design

Sustainability and Urban design

Lifestyle

Colombian company Conceptos Plásticos saw two pressing issues in the world and decided to tackle both with recycled building materials. One issue is the housing crisis, prevalent in Latin America where 80 percent of the population now resides in urban areas. The second is the overwhelming amount of plastic crowding landfills. To combat these issues, Conceptos Plásticos recycles plastic into LEGO-like building blocks that families can use to easily construct their own homes.

Conceptos Plásticos works with local communities to source plastic and rubber and train locals on the building process. With the building blocks, locals can build their own houses, emergency shelters, community halls, and classrooms. A home for one family will take four people five days to construct with the recycled building blocks – and there’s no construction experience necessary. The blocks fit together like LEGOs….Read more…

 

What To Do About Aging Parents: 15 Pt Check-List

What To Do About Aging Parents: 15 Pt Check-List

Aging Lifestyle Tool Box

A hundred years ago people in the US were extremely old in the US if they lived past 65. What a difference living in 2016 makes! Reaching age 65 now represents just the 2/3 mark for many people expected to live to 95 and beyond. Health, exercise and medical advances all make this possible in a way unimaginable through most of human history.

That’s wonderful news, but what happens if your aging parents weren’t expecting to live into their 80s and 90s? It could mean that your parents inadvertently become an emotional and/or financial burden to their adult children. This puts some adult children into a stressful “sandwich syndrome” supporting both children and parents. It also sometimes ends up pitting siblings against each other.

If you’re an adult child of an aging parent, it’s vital you address various issues now since at least 40% of adults over 65 will require some sort of extended care to get through their last decades. Here’s a handy 15-point checklist to consider:

  1.  Do you have a good understanding of how long your parents’ investment assets will carry them into the future?  Have they budgeted for the spiraling cost of health care for areas not covered by insurance or Medicare?
  2. Do you have open discussions with your parents about their financial means? Or do you duck the issue or hear them telling you “I’m just fine” until you find out you need to bail them out financially?
  3. Do they have long-term care insurance – including a home health care provision if they can be cared for at home?Have you (or another relative or friend) been given power of attorney in the event your parent(s) become sick?
  4. Do your parent(s) have medical health directives and living wills so you can make informed medical decisions on your behalf?
  5. Are you aware there is a 5-year look-back in the event your parents gift most of their assets away and want to tap state and federal resources? If they gift away assets in 2016, they can’t fully tap funded state/federal care resources for 5 years.
  6. Do your parents have the means and inclination to move to an assisted living facility if it’s no longer viable for them to live at home?
  7. Have you and your siblings discussed who will pay for what services – if needed – and who will spend more or less time being an advocate for an aging parent?
  8. If you have a spouse, is he/she on-board with your plans? Or does this create friction and discord?
  9. Have you considered “adult day care” for an elderly parent if he/she needs to be attended to during the day but is well enough to still live at home?
  10. Have you or your siblings considered having your parent(s) move in with you to avoid sending them to a nursing home?
  11. Are you aware that your parents can be listed as dependents if you provide over 50% of their living expenses?
  12. If you and your siblings together provide over 50%, you can rotate the privilege to deduct your parents as dependents.
  13. If you’re self-employed, did you know you could deduct the eligible portion of a long-term care insurance premium – even if you don’t itemize deductions?
  14. Are you up-to-date re: what Medicare covers? (and what it doesn’t cover)? Medicare covers the first 20 days of skilled nursing or home care and some coverage for the subsequent 80 days. After that, coverage ends unless your parent qualifies for Medicaid.
  15. Eligibility for Medicaid (which helps individuals with low incomes and smaller resources) varies state by state but qualifying for long-term care generally means a person has to spend down his or her assets to a very modest level.Have you considered seeing a financial planner WITH your parents so you have a neutral partner to facilitate difficult discussions about the present and future?

 

read more at tapinto.net

 

 

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