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Refinancing can be a good way to reduce your monthly mortgage payments but doing so generally means you extend the pay-off period of your loan and spend more money on interest up front. Choosing a 15 - or even 10 - year loan can save you money on interest, but the monthly payments will be higher and potentially harder to sustain over time..The Senior Citizens League supports legislation that protects Medicare benefits and lowers out-of-pocket costs for beneficiaries. To learn how to get involved, visit..Rep. Allyson Schwartz introduced H.R. 574 on February 6, 201It has since been referred to the Committee on Energy and Commerce and to the Committee on Ways and Means where it awaits further action..Attention deficit disorder is not just a condition affecting kids - it's often triggered by aging. When I was younger, my mother used to discover her eyeglasses in the fridge, but not too long ago I found mine there. Recently I attended a "Science of Willpower" workshop offered by our local Osher School of Lifelong Learning in Charlottesville, Virginia. There, I learned about the new epidemic of "age activated attention disorder" and received some good advice for helping us "hold that thought." Here's how the condition is described:.also say that if you're healthy, the best time to shop for a policy is your.Ask whether you are an inpatient or outpatient: If admitted to a hospital, it's highly important that you, or your designated caregiver find out immediately whether you are being admitted to the hospital as an inpatient or an outpatient. Even if you are admitted as an inpatient, the hospital can switch you to observation status, but the hospital is required to notify you..We normally try to stay away from items that are covered in the news during the week. There would be no point in sending this out of all we did was repeat what you already know. But this time we have decided we need to talk, at least a little, about the subject that has captured the attention of the major and local news media, and the government this week..The blueprint also lays out some modifications to the Social Security program. It would close the Disability Insurance trust fund's shortfall by transferring funds from the Old Age and Survivor's Insurance trust fund over a period of five years. TSCL's members and supporters overwhelmingly oppose the transfer of funds from one trust fund to another since it would put the OASI trust fund on worse financial footing. However, we were pleased to see that President Obama did not include the adoption of the "chained" CPI in his budget blueprint as he did two years ago..Your answers to these surveys will help TSCL educate Members of Congress, the media and the public about the views, experiences, and challenges facing seniors as they relate to Medicare and Social Security.

Samantha Artiga
The big difference between the CPI-W used to calculate your COLA, and the CPI-E, is the weight or portion of income that the Bureau of Labor Statistics gives to each category. While seniors occasionally benefit from the heavier weighting of transportation costs and food costs under the CPI-W when food and gasoline prices spike, in the majority of years they fall behind due to the lower weighting of medical care..The CBO option would change the taxation of Social Security to be more like distributions from defined benefit pension plans. Those distributions are fully taxable except for the portion that represents the recovery of "basis," or what an employee paid in - that is, his or her after-tax contributions to the plan. Once the recipient has recovered his or her entire "basis" all subsequent pension distributions are fully taxed..Types of Flu Shots for People 65 and Older … Continued

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The Social Security Administration adjusts the amount of your benefits based on what you estimate that you will earn. If you go back to work, let the Social Security Administration know right away. If other family members get benefits based on your work, your earnings may reduce their benefits too..The fact that there are actually two Social Security trust funds is important when you break down the numbers behind the trust funds' cash deficits. According to the Social Security Trustees' "intermediate" projections, the OASI trust fund would run a cash deficit of billion in 2010, and the DI trust fund a billion cash deficit..Medicare Part B premiums jumped .10 per month in 2020 - one of the biggest increases in recent years. While the Social Security cost-of-living adjustment increased benefits by 1.6 percent in 2020, Medicare Part B premiums climbed 6.7 percent, more than four times faster. A jump of this size can put older household budgets into a bind, forcing retirees to go without essentials when they run short before their next Social Security check. … Continued

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