12.05.19 With the snow falling and holiday trips ahead… here are some long distance Winter driving tips

Tips for Long-Distance Winter Trips

• Be Prepared: Have your vehicle checked by a AAA Approved Auto Repair facility before hitting the road.

• Check the Weather: Check the weather along your route and when possible, delay your trip if bad weather is expected.

• Stay Connected: Before hitting the road, notify others and let them know your route, destination and estimated time of arrival.

• If you get stuck in the snow: Stay with your vehicle: Your vehicle provides temporary shelter and makes it easier for rescuers to locate you. Do not try to walk in a severe storm. It is easy to lose sight of your vehicle in blowing snow and become lost.

Don’t over exert yourself: When digging out your vehicle, listen to your body and stop if you become tired.

Be Visible: Tie a brightly colored cloth to the antenna of your vehicle or place a cloth at the top of a rolled up window to signal distress. At night, keep the dome light on if possible. It only uses a small amount of electricity and will make it easier for rescuers to find you.

Clear the Exhaust Pipe: Make sure the exhaust pipe is not clogged with snow, ice or mud. A blocked exhaust pipe can cause deadly carbon monoxide gas to leak into the passenger compartment of the vehicle while the engine is running.

Stay Warm: Use whatever is available to insulate your body from the cold. This could include floor mats, newspapers or paper maps. Pre-pack blankets and heavy clothing to use in case of an emergency.

Conserve Fuel: If possible, only run the engine and heater long enough to remove the chill. This will help to conserve fuel.

19 Ways To Save Big During Retirement

The average Social Security check paid out in 2018 was for just $1,404, according to The Motley Fool.

That works out to just $16,848 per year… hardly enough to get by comfortably on these days.

And that’s before taxes!

It’s no secret that retiring in today’s economy is harder than ever for seniors. The costs of healthcare, housing, utilities and even food has all skyrocketed. And unfortunately the Cost Of Living Adjustment just isn’t cutting it for some seniors.

That’s why we’ve compiled this extensive list of the top ways that seniors can save money and make their retirement last longer. Enjoy!

1. Go Out To Eat For A Discount

Here are some awesome senior discounts at popular restaurants:

Applebees: 10% discount

Burger King: 10% discount and discounts on drink items

Denny’s: senior menu with discounted prices

IHOP: senior menu as well as 10% off

Sonic: 10% discount

Golden Corral: discounted menu prices for 60 and over

Subway: 10% discount

Wendy’s: free drink (or 10% at some locations)

Outback Steakhouse: 10% off for AARP members

White Castle: 10% off for 55 and over

2. Check For Mistakes With Your Social Security

You get a Social Security statement every year. Do not assume it is accurate. Check the numbers and report any errors to the Social Security Administration.

Remember, your benefits are based on the average of your 35 highest-earning years. A miscalculation for even one or two of those years could impact your benefit for the rest of your life.

3. Buy in Bulk

One of the easiest things you can do to instantly start saving money is to buy in bulk! Retailers often give a MUCH better deal on products such as paper towel, toilet paper, detergent, etc if you buy in bulk.

This might seem like an obvious one, but we often forget how much money we waste by not buying in bulk.

4. Save On Your Property Taxes

Did you know that every state has some sort of property-tax benefit for seniors? Several states have programs that freeze property taxes completely for seniors, and 10 limit how much a property’s tax value can increase. Also, the homestead exemption can be larger when a homeowner reaches a certain age. (The larger the exemption, the lower the tax.) In Colorado, seniors 65 and older can exempt up to 50% of their residence’s first $200,000 in value.

Check with your local township to see ensure you’re getting the senior discount!

5. Veterans Get a Massive Discount at Lowes

All active military and veterans are entitled to get a 10% discount on all in-store purchases at Lowe’s.

To make it even better, Lowe’s extends this offer to their spouses! Need new tools? How about new appliances? How about a kitchen remodel? Lowe’s carries a variety of things, so take advantage of this incredible discount!

6. Ace Hardware Offers a Senior Discount!

Ace Hardware is a great store for quick shopping and friendly service. And what makes shopping there even better for seniors is that they now offer a 10% senior discount! This does vary by location, so give your local Ace Hardware a call and see if they offer it.

7. Born Before 1965? Get $3,000/year Taken Off Your Mortgage With The Government’s New “Enhanced Relief” Program

Banks Don’t Want Homeowners Knowing This

Still unknown to many is a brilliant Government Program called the Freddie Mac Enhanced Relief Refinance Program (FMERR) that could benefit millions of Americans and reduce their payments by as much as $3,000 per year! You could bet the banks aren’t too thrilled about losing all that profit and might secretly hope homeowners don’t find out before time runs out.

So while the banks happily wait for this program to end, the Government is making a final push and urging homeowners to take advantage. This program could expire at any time. But the good news is that once you’re in, you’re in. If lowering your payments, paying off your mortgage faster, and even taking some cash out would help you, it’s vital you act now and see if you could qualify for FMERR or a better rate in today’s marketplace.

 

  1. Get A Home Warranty

Still unknown to many is a brilliant Home Warranty Program called the Choice Home Warranty that could benefit millions of households and help them never pay for covered appliance failures, furnace breakdowns, electrical issues and so much more! You likely have homeowners insurance, right? A Home Warranty Plan is similar to a homeowners insurance plan, but it actually covers many things that an insurance plan won’t like a broken refrigerator, a broken furnace or an electrical malfunction on a ceiling fan.

Often times, new homeowners are offered a 1 or 2-year home warranty plan when they purchase a home. This is generally a huge plus for the home buyer because it takes away the stress of having to pay for likely issues that might come up during the first year or two of owning the home. Issues such as a broken refrigerator or dishwasher aren’t fun to deal with. Or how about a broken furnace or air conditioner? These would likely cost $1,000s of dollars to fix!

Luckily, homeowners now have the option to get a home warranty plan anytime after they bought their home. Even if you’ve lived there for 20 years, you can still get your own home warranty plan that will cover the cost of many unforeseen home repairs!

Get Your Free Quote Now >>

  1. Slash Your Cellphone Bill

Did you know that many of the large phone companies offers special discounts to senior citizens? These discounts add up quick!

AT&T: AT&T offers a special Senior Nation Plan for account holders 65 or older for $29.99/mo. It has 200 Anytime Minutes, Mobile to Mobile Minutes, and Nights and Weekends, without roaming and long distance charges.

Verizon Wireless: Verizon Wireless offers a special 55 plus nationwide unlimited talk and text service plan to customers who are 55 or older. Check to see if your location offer this with Verizon.

Consumer Cellular: Consumer Cellular offers AARP members who are 50 or older exclusive savings on monthly service charges in addition to discounts on accessories.

  1. Travel For Less

Here are some senior discounts you can use when flying:

Southwest Airlines: Offers various discounts for 65 and over

United Airlines: Offers senior fares to selected travel destinations for customers who are 65 and older. Ask for more details on these great fares when you make your reservation or select the seniors (age 65 and older) category when you make your booking on united.com.

American Airlines: Offers special deals for those who select the 65+ passenger option when booking a flight.

  1. Can’t Sleep? Get a Sample of GNC’s #1 Sleep Probiotic To Try

If you have trouble sleeping and also deal with gut issues, you’ve got to give Peptiva Nighttime Probiotic a try.

Peptiva helped break the stereotype that probiotics are only for people looking to fix their stomach issues. Peptiva’s groundbreaking formula also helps de-stress so you can enjoy a deeper, more satisfying sleep. GNC stores secured the exclusive rights to Peptiva’s US launch, but you won’t find this exclusive sample offer there.

Dr. David Katz, a health and wellness thought leader and the Director and Co-founder of the Yale Prevention Research Center, helped formulate a groundbreaking probiotic supplement.

The key ingredients in Peptiva include a powerful combination of 6 clinically validated probiotic strains, which are also guaranteed to keep their potency up to the expiration date (many probiotics are only guaranteed at the time of manufacturing.)

Benefits include being less bloated, having embarrassing digestive issues vanish, less frequent bathroom trips and amazing sleep through the night. GNC stores secured the exclusive retail rights to Peptiva’s US launch but may soon be available in Vitamin Shoppe, Vitamin World, Walgreens and more. Right now new customers can try Peptiva to see how it works for them.

Claim Your 2-Week Supply of Peptiva >>

  1. Health Discounts for Seniors

Health related expenses can add up quick for seniors. Be sure to use these:

RiteAid: Offers a wellness 65+ program for seniors that includes 20% off of purchases on the first Wednesday of each month. The program also includes a free consultation with a pharmacist.

RxFreeCard:: Includes discounts on prescriptions for seniors.

Atera Spas: Includes special prices on products for seniors.

AARP prescription savings: Members save an average of 61% on FDA-approved prescriptions not covered by insurance.

  1. For The Sake Of Your Family, Get A New Life Insurance Policy

If you don’t have life insurance, you better read this.

It’s not something any of us like to think about or plan for. But when the worst happens, it’s essential to know your family and loved ones are covered financially. That’s why it’s essential to have a life insurance. A good life insurance policy can help cover the cost of a mortgage, childcare costs and safeguard your family from inheriting any debts you might have.

But the sad truth is, a shocking number of Americans do not have a life insurance policy and their family is at financial risk if the worst should happen.

There is a service called National Family that is now allowing users to get free life insurance quotes from some of the top insurance companies out there. People are shocked at how cheap an excellent policy is after requesting their free quotes. But the reality is, life insurance rates are at a 20-year low and thanks to new program policies you could qualify for a great new policy at an extremely affordable price.

To get your free quote today, click below and complete a few questions (about 60 seconds). Once you’re done, you will be presented with choices and rates you never thought possible (no login required). Enjoy your savings!

Get Your Free Quote Now >>

  1. Auto Service Discounts

Is your car due for service? Be sure to use these:

Pep Boys: 10% off for 55 and over

Jiffy Lube: 10% off for 55 and over

  1. Save On Your Groceries

Did you know that many grocery stores offer senior discounts? Here are the best senior discounts at your local grocery stores!

American Discount Stores: 10% off every Monday (62+)

Fred Meyer: Senior Discount: 10% – 15%, depending on dept., first Tuesday of each month (55+)

New Seasons: 10% off every Wednesday most items (65+), 10% off every Tuesday for military

Publix: Publix grocery stores have discontinued their weekly discount for senior shoppers. “Effective Dec. 27th, Publix will no longer offer the 5 percent senior discounts to customers.”

  1. No Tickets In 1 Year? Save Big On Auto Insurance

Here’s what auto insurance companies don’t want you to know…and what thousands of consumers are quickly learning about their current auto insurance plan:

If you’re paying more than $63 per month for auto insurance, this auto insurance comparison tool can help you check to see if you’re overpaying in a few minutes. This is something every driver should be doing every 6 months or so to ensure that they are getting the best deal.

Insurance companies are always competing to win your business, but if you turn a blind eye and keep the same policy in place for a long period of time, your rates might have increased. By checking rates, drivers saved an average of $531 per year with a new policy.

So do yourself a favor and do a quick comparison by filling out a short form (about 4 minutes). This is a fast way you can start saving on your auto bills.

Compare Auto Insurance Rates >>

  1. Use This Debt Payoff Plan

Here’s what credit card companies don’t want you to know…and what thousands of consumers are quickly learning about paying off their debt:

If you owe more than $15,000 in credit card debt, this proven debt relief program may reduce the amount you owe. Consumers could resolve their debts with absolutely no loan required and pay it off at a rapid pace. If you’ve struggled to pay your credit card debt, act now before your debt balloons further.

Learn The Secret To Resolving Debt >>

  1. Health and Beauty Discounts

Here are some various discounts that could certainly be useful:

Great Clips: Great Clips offers various discounts for seniors

YMCA: YMCA offers discounted membership fees for 65 and over

  1. Seniors With Bad Knees Get A Sample Of GNC’s #1 Joint Compound Instaflex Advanced To Try in November

If you deal with joint discomfort, you need to see how you can claim a 2-week sample of GNC’s #1 Joint Compound to try.

Formulated by renowned Doctor, David Katz, Instaflex Advanced has become the best selling joint solution product at GNC and Walgreens. Thousands of seniors across the US and Canada are enjoying joint relief everyday with it.

The best part? You only have to take 1 small capsule a day and many start to feel a difference very quickly!

The company behind Instaflex Advanced has agreed to allow new customers to try a sample throughout 2019. You can go to their website by clicking the button below to claim your sample to try. Samples ship within 24-48 hours, so you’ll have it quickly too!

 

12.03.19 The first good snow fall of the season has come.. here are some important tips

Tips for Driving in the Snow
• Stay home. Only go out if necessary. Even if you can drive well in bad weather, it’s better to avoid taking unnecessary risks by venturing out.
• Drive slowly. Always adjust your speed down to account for lower traction when driving on snow or ice.
• Accelerate and decelerate slowly. Apply the gas slowly to regain traction and avoid skids. Don’t try to get moving in a hurry and take time to slow down for a stoplight. Remember: It takes longer to slow down on icy roads.
• Increase your following distance to five to six seconds. This increased margin of safety will provide the longer distance needed if you have to stop.
• Know your brakes. Whether you have antilock brakes or not, keep the heel of your foot on the floor and use the ball of your foot to apply firm, steady pressure on the brake pedal.
• Don’t stop if you can avoid it. There’s a big difference in the amount of inertia it takes to start moving from a full stop versus how much it takes to get moving while still rolling. If you can slow down enough to keep rolling until a traffic light changes, do it.
• Don’t power up hills. Applying extra gas on snow-covered roads will just make your wheels spin. Try to get a little inertia going before you reach the hill and let that inertia carry you to the top. As you reach the crest of the hill, reduce your speed and proceed downhill slowly.
• Don’t stop going up a hill. There’s nothing worse than trying to get moving up a hill on an icy road. Get some inertia going on a flat roadway before you take on the hill

12.01.19 Winter is here.. snow is falling… time for some Handling Change driving tips…

• Keep a bundle of cold-weather gear in your car, such as extra food and water, warm clothing, a flashlight, a glass scraper, blankets, medications, and more.
• Make certain your tires are properly inflated and have plenty of tread. Keep at least half a tank of fuel in your vehicle at all times… never warm up a vehicle in an enclosed area, such as garage. Do not use cruise control when driving on any slippery surface, such as on ice and snow.

8.24.19 Brian Carpenter of 1 Worcester Homes give us a Market Update… how is the summer Market going?

On this week’s Handling Change, Brian Carpenter of 1 Worcester Homes joins Joe to update us on the market.

Brian tells us how the summer has gone and what we can expect.

Some great tips and information here… tune in every Saturday at 7:30 am on WCRN 830 AM and WACE 730 AM as well as TuneIn app

You can hear Brian on the fourth Saturday of each month and you can hear Handling Change every Saturday at 7:30 am on WCRN 830 AM and WACE 730 AM and live streaming on the TuneIn app.

Follow the show on Twitter at @Talkingchange4u 

We rotate our Experts weekly.  Each week one of these Leaders in their own industries joins Joe to give you the very best in advice, tips and guidence thier years of experience and expertise can offer.

Eldercare Law: Chris Murray of the Daniel Murray Law Office

Insurance: Paul Cantiani Jr of The Cantiani Insurance Group

Real Estate: Brian Carpenter of 1 Worcester Homes

Handling Change

  

  Lighthouse Capital LLC – Blog

Paul Hundley of Lighthouse Capital LLC and Joe Mangiacotti Financial/Real Estate Talk Host bring you the best in Personal Financial information weekly.

Join Paul and Joe Saturdays at 7:30 am on WCRN am 830 and WACE am 730 and live streaming on TuneIn

Call Paul Hundley direct at 781-965-8843

Handling Change – Saturday Mornings at 7:30 am on WCRN 830 AM and WACE 730 AM           

            Listen Here – Live Streaming   

WCRN Weekly Vignettes    

Call in line: 508-871-7000 

Host: Paul Hundley and Joe Mangiacotti

On the Web at HandlingChange.info

Email: Handlechange@gmail.com

Follow us on Twitter: @TalkingChange4u

Show Number: 508-296-5445

EVER THOUGHT ABOUT YOUR FIRST STEPS TOWARD THE WEALTH STRATEGY YOU WANT?

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A REGISTERED INVESTMENT ADVISORY FIRM RIGHT HERE IN YOUR OWN BACKYARD.

WITH OVER THIRTY YEARS OF COMPREHENSIVE FINANCIAL PLANNING STRATEGIES THAT HAVE THE TOOLS YOU NEED TO REACH YOUR GOALS.

IN PARTNERSHIP WITH TD AMERITRADE THEY BRING OLD SCHOOL KNOWLEDGE AND NEW AGE TECHNOLOGY TO YOUR PORTFOLIO DESIGN.

AS AN INVESTMENT ADVISORY FIRM THEY BRING A FIDUCIARY REQUIREMENT TO YOU THE CLIENT.

MAKING YOU THE MOST IMPORTANT PART OF THE RELATIONSHIP.

A LOCAL WEALTH MANAGEMENT TEAM THAT TREATS YOU THE WAY YOU WANT TO BE TREATED.

Call Paul Hundley direct at 781-956-8843

Follow the show on Twitter at @Talkingchange4u

 

UNDERSTANDING ECONOMIC PHASES

When assessing investment portfolios, we often discuss the economy and its impact on your investments. Questions typically arise about the stages or phases of the economy and how to assess where the economy is sitting. The stock market has been on a record run since the great recession of 2008 with the S&P 500 bottoming out on March 7th, 2009. The economy itself works in 4 stages, often called phases.

  1. Early recession: this is when things go bad for the economy. Generally, this is when consumer expectations are poor, industrial production is falling, and yield curves flat line and sometimes even go inverted.
  2. Full recession: this is when GDP has retracted in two successive quarters. This is a particularly hard time for the unemployed, corporations, and 401k balances. By this point, consumer expectations have bottomed out and the Fed typically tinkers with the yield curve with the hopes of injecting life into the economy.
  3. Early Recovery: Industrial production is picking up, the yield curve is steep and interest rates are beginning to rise. Consumer expectations are rebounding at this point.
  4. Late recovery: Consumer expectations are beginning to decline, along with flattening industrial output. Interest rates typically rise quickly during this phase.

How can we tell where we are at besides just eyeballing it? Economists use economic indicators  to help determine phases and where the economy is currently resting. While investors may pay attention to both leading and lagging economic indicators. Insight to the difference of both leading and lagging economic indicators can be found here https://www.moneycrashers.com/leading-lagging-economic-indicators/.

Timing these phases of the economic cycle are almost impossible. In fact, even the most well-respected investors find it almost near impossible to time these cycles. That’s why I stress to my clients that these phases should never impact their investment decision making. Your investments should be built in a manner to help accomplish your short, intermediate, and long-term goals in all kinds of market environments.