Silver Harbour Daily Money Management

Medicare enrollment and changes ends 12-7-2020.

Many seniors skip yearly review of plan options - The Press Democrat This is the time of year when seniors face a barrage of messages about their Medicare coverage — everything from insurance companies’ direct mail blitzes and television ads to the federal government’s emails and mailings. All of it focuses on the fall open enrollment season, the annual opportu...

Eggs seem to be cornerstone of a Keto diet. Is it time for chickens in the backyard?

How To Do Keto On A Budget | HerMoney Maintaining a keto lifestyle doesn’t have to be super expensive. We've got low-cost ideas that will help you successfully keto on a budget.

Folks 55 or better can save an additional $1000 per year in their Health Savings Account for future health needs.

Why health savings accounts are worth it - The Press Democrat HSAs can help you pay for medical treatment and medicine that insurance doesn’t cover. Typically, money is deposited into an HSA before taxes, grows tax free and is tax free when you withdraw it as long as you spend it on eligible expenses. (A few states tax contributions to HSAs, or earnings from...

Your daily money manager can help organize important documents!

Control Your Financial Clutter In 4 Simple Steps | HerMoney Organizing your finances doesn’t have to be a beast. Here's a methodical way to tackle those piles of accumulated paperwork.

Ladies! On average we live longer then men, so delay delay delay if possible!

How to Crush Social Security’s Lousy 1.3% Raise | HerMoney Starting in January, the government will adjust Social Security benefits for 2021 based on the cost of living. You can do better.

Daily Money Management is another example of a service that allows our Elders to age in place.

As they aged, they started businesses for others like them - The Press Democrat Mary Anne Hardy was at a crossroads in her nursing career. A health program she had been working for ended, and, not ready to retire, she was trying to figure out her next move.

College is just months away for my family. These are great tips for speaking to our Son about his upcoming financial independence...

5 Financial Moves You Need to Make Now to Get Your High School Senior Ready for College Next Year | HerMoney You want your child to get off on the best possible financial footing when they hit college — experts weigh in on how to make it happen.

How much money do you have saved in your emergency fund? Three to six months?

https://www.hermoney.com/save/emergency-fund/emergency-funds-best-accounts/

HerMoney thoughts on retiring during a down or "Bear" market.

https://www.hermoney.com/invest/retirement/retiring-into-a-bear-market-this-one-move-will-help-you-survive-it/?utm_source=ActiveCampaign&utm_medium=email&utm_content=This+is+the+only+mutual+fund+you+may+ever+need&utm_campaign=HM_newsletter_September172020&vgo_ee=XjA4RqED8ZSCRn%2Fo4xnjFSp8ZzHOkKfHcHqGo%2FSQPvw%3D

Retiring Into a Bear Market? This One Move Will Help You Survive It | HerMoney A new Vanguard study shows how the unlucky cohort of people who retire during bear markets fare when they stick to their original plans. Oof.

Need help managing day - to -day finances?

https://www.aarp.org/money/budgeting-saving/info-2016/money-management-on-a-budget.html

Daily Money Manager Helps Control Finances Money managers to help with financial planning, taxes, retirement, and important financial documents don't have to cost a fortune.

Ladies! Join Susanne Lake's "All Girls Hour" Thursday Sept 24 at 6:30pm to learn more about the importance of SLEEP!
https://www.pressdemocrat.com/article/news/stress-induced-insomnia-could-imperil-public-health-sleep-researchers-say/

American Assocition of Daily Money Managers:
Financial Tip of the Month
August: Living in the Moment and Looking Ahead
Aug 1, 2020

One television commercial that has been around awhile has an actor ask the question “What’s in your wallet?” referring to a specific credit card.

For this month’s Financial Tip, the question is “What’s in your credit report?”
August is usually a time when people enjoy well-deserved vacations and time away from school and work. Many look forward to this month as a time to relax and recharge before heading back to their usual schedules in September.

However, the Covid19 pandemic has had a devastating impact on our country and our world. For many, the return to work and school will look very different this year. It will be crucial to take the necessary precautions such as wearing masks, safe distancing when possible, frequent hand washing, and following CDC guidelines to protect ourselves and our loved ones.

Your credit health is important as well.
Knowing where you stand with regard to your finances and credit is one important safety measure that you can take during this time.

In order to help you monitor your information during Covid-19, the credit reporting agencies (Equifax, TransUnion and Experian) are offering all Americans free credit reports through an online service. Learn more at https://www.consumer.ftc.gov/articles/0155-free-credit-reports. Additionally, the three national credit reporting agencies are giving people weekly access to monitor their credit report — for free.

You can obtain free credit freezes at all 3 reporting agencies. Credit freezes prevent new accounts from being opened without your permission. You may also want to add a fraud alert (for free) to your credit account to ensure lenders verify your identity and help prevent identity theft. Knowing that you have taken the necessary precautions to protect your credit can go a long way to having peace of mine with your finances during challenging times.

Once you’ve checked your credit and made sure that everything is in order, sit back and relax! You’ve still got a month of summer left to enjoy and you can do so knowing that you have taken the necessary precautions to protect your credit health.

Free Credit Reports How, why, and when to order copies of your free annual credit report.

Thank you Linda Cade for hosting Silver Harbour DMM on KOWS 92.5FM 'Ask Linda' show yesterday! Linda is remarkable at making her guests feel at ease, choosing amazing music to fit the occasion and made it very easy to talk for an hour (!) about what I love, Seniors and Daily Money Managing. Listen to Linda on 92.5FM or online at http://kows92-5.org/listen/ every 2nd and 4th Sunday from 4 to 5pm. , .5fm

KOWS Radio

California Unclaimed Property: I have several CA DMM clients with unclaimed property. The California State Controller Office website makes finding and claiming this property easy.
https://ucpi.sco.ca.gov/UCP/Default.aspx

UCP Inquiry System California's Unclaimed Property Law requires corporations, businesses, associations, financial institutions, and insurance companies (referred to as "Holders") to annually report and deliver property to the California State Controller's Office after there has been no activity on the account or conta...