If you are leaning towards refinancing your home, look carefully into the closing fees. Will you be paying any closing costs out-of-pocket or will those costs get rolled into the loan? How would that affect monthly payments?Based on your credit profile, what interest rate do you actually qualify for, and how does that compare with what you are currently paying?.When Congress enacted automatic Social Security COLAs in 1972, there was only one CPI and it measured the inflation experienced by urban wage earners and clerical workers. The 1972 amendments used this CPI as the basis for determining your COLA today. But today there are other, more appropriate indexes for calculating the COLA. In 1978 the Bureau of Labor Statistics expanded the CPI known as the CPI-U to cover all urban residents, including most retirees, and in 1983 the BLS launched an experimental index, the Consumer Price Index for the Elderly, which reflects the spending patterns of people age 62 and older..Medical costs are a big expense in retirement that many retirees tend to underestimate. But healthcare isn't always the biggest item. Housing takes the biggest chunk of the household budget in retirement. Here are five of the biggest housing expenses to whittle down in 2014:.IPAB Repeal Bill Approved by House.But the financial impact of immigration reform on Social Security remains in question. As of June 30, 2013, no government estimate of the long-term impact on Social Security has been made public. It is not yet known whether the House bill will contain similar provisions to protect Social Security..If Congress could not reach an agreement to borrow money, Social Security and Medicare benefits would be cut when payroll tax revenues run out as they inevitably would..To learn more about the programs contact your local Medicaid office or call and ask about programs, that help pay for your Medicare premiums..Shop around Learn the going rate for veterinary services in your area. Get estimates from two or three vets, including vets who have been practicing for a long time..With Medicare Part B premiums growing several times faster than COLAs, premiums routinely offset a significant portion of the annual inflation boost. This, in turn, causes retired households to draw down savings more rapidly than planned, and many retired households to carry growing amounts of debt. Lower income households may go without adequate food, medically necessary health services, and to postpone filling prescriptions.

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Here is more from the report: "Pfizer, which played arguably the biggest role in 2020's vaccine race, also had a frenzied year politically. In addition to giving roughly million to members of Congress, Pfizer also wrote checks to 1,048 individual candidates in state legislative races..If that's so why hasn't anybody done it yet? The options Congress has to address the debt are dwindling and the choices that are left are wrenching..If we closed this loophole, we could ensure that Social Security continues paying full benefits to every single American who pays in, just as they were promised. … Continued

Medicaid Slide Most Republicans Approve Of How President Trump Is Handling Medicaid While Most Democrats And Independents Dont

This week, one new cosponsor Rep. John Tierney signed on to the Strengthening Social Security Act, bringing the total up fifty-seven. If signed into law, the bill would reform the Social Security program in three ways: it would adjust the benefit formula, resulting in more generous monthly benefits; it would adopt the Consumer Price Index for Elderly Consumers, resulting in more accurate cost-of-living adjustments, and it would lift the cap on income subject to the payroll tax. H.R. 3118 would extend the solvency of the Social Security Trust Fund responsibly, without cutting benefits for seniors..Earlier this fall, the U.S. Energy Information Administration projected that home-heating fuels would cost about 20 percent more during the upcoming heating season, but the most recent Consumer Price Index data from October 2017 through October 2018, released by the Bureau of Labor Statistics, indicates that heating-fuel costs appear to be climbing even faster and are now 26.2 percent higher than October 2017..A report came out this weekend about the possibility of new major cuts to Medicare. This could result because of Senate rules about how many votes it takes to pass legislation. … Continued

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