Cruise Control Hazard

Never drive with cruise control on when driving on wet or icy pavement. If the drive wheels lose traction the car will suddenly accelerate before you can control it.

New Government Plan

Don’t count on this being a help to you anytime soon. The government can’t even run their own offices properly. If the plan was so good would they exempt themselves from it?

Retire and Die

Why do people die soon after retiring? They fail to plan. You plan your vacation, you plan your work; retirement deserves planning also.

Habits

During your working life you establish some pretty compelling habits; planning your day, your week, your life, included. When you retire, you can’t just do nothing. If you haven’t planned what to do and for how long you may do like many people and just die.

Medicare Season

Between November 15th and December 31st any person on Medicare can make any change they like. If you have older people in your family or acquaintance who are not computer literate you should help them find a local Medicare specialist to guide them.

Buying a car

How can you get the very best deal buying a car without the 5 hours of negotiation? Go to your bank first! Do you think that the bank that loans money on cars all the time might have a good idea how much you should pay?

CommonSenseRetirement.com

This may actually be a book by December. I first thought it would be published by November but that turns out to be only a dream.

Heritage vs Inheritance

Do you keep a daily journal? Do wish your grandparents and parents had? Will your children wish you had?

Cheated

Have you ever felt cheated? Was it a good feeling or a bad feeling. Do you believe insurance companies have your best interest in mind or are they focused on profits? There are some obvious ploys used to increase profits and leave you at risk.

Hello Health Insurance buyers!

In my (Joe Clark) book “Common Sense Retirement” I have reduced the complications of health insurance to 3 choices. My hope is that I can make it understandable so that you don’t make a serious mistake like buying health insurance that does not provide full prescription protection and unlimited ambulance service. Either of these, if limited, could bankrupt you.

Medicare choices are another area where people really get mislead and taken advantage of. Once again I break it into 3 choices to make it more understandable.

The best choice (in my opinion) is Medicare Supplement Plan F or Plan J if you can afford the premium. The coverage is mandated by law and so is the same company to company but the premiums vary a lot. You also need a Plan D (Rx) to go with this.

If you are healthy and/or do not travel a lot a Medicare Advantage Plan with zero premium and an annual maximum out-of-pocket limit is a great choice.

There are a lot of ways to really screw up your Medicare choice so either get my book or go to www.medicare.gov and do your due diligence. My book makes researching their site a lot easier.

My book is available on www.turning65soon.com