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(NewsUSA) - Making sense of your personal finances can feel overwhelming for anyone, but for LGBTQ+ couples, financial planning can be particularly complex. A patchwork of state and federal policies can make it difficult for couples to understand all the benefits and challenges the law presents for them. Many LGBTQ+ couples also invest considerable time and resources toward  ensuring that their assets are secure, and their families are protected, should the political landscape change.     

Here are five strategies that LGBTQ+ couples can use to help manage their money and reach their financial goals:     

1. Reimagine your retirement plan. LGBTQ+ couples can work together to fund their retirement in ways you might not have considered. For example, for married couples, a spouse with eligible compensation could make an IRA contribution on behalf of their nonworking spouse. Couples should also make sure their spouse, partner or loved one is named as the beneficiary on their retirement plan.     

2. Make your partnership official. The legalization of same-sex marriage means LGBTQ+ couples might gain financial benefits from getting married, such as federal protection for certain asset types. If you decide not to get married, you may want to consider creating a domestic partnership agreement that incorporates financial planning strategies to protect your assets and your loved one.     

3. Plan for your future family. If you’re interested in having children, you may need to save more and budget for adoption agency fees or fertility treatments, as well as increased health coverage for your growing family.       

4. Create an estate plan. This is particularly important if you own significant assets, such as multiple retirement accounts or real estate. You may want to establish an irrevocable trust for some or all these assets to ensure seamless wealth transfer to your loved ones. Your financial planner will walk you through estate planning to ensure your loved ones are protected. In addition to living wills, LGBTQ+ couples should have documents such as health care proxies and medical powers of attorney in place to support end-of-life decision-making.     

5. Meet with a CERTIFIED FINANCIAL PLANNER professional. CFP® professionals have the education and experience to help LGBTQ+ couples navigate their unique and complex financial situations. Working with a CFP® professional can help you focus on your financial goals and priorities, whether you want to create a holistic financial plan or just want some financial guidance on a specific topic.     

For more financial planning resources and to find a CFP® professional near you, visit LetsMakeAPlan.org. Use the LGBTQ+ Individuals/Couples filter to narrow your search to CFP® professionals who are allies or members of the LGBTQ+ community.     

By exploring your financial situation together and mapping out a path to follow, you and your loved one will feel more confident about your financial choices. Read more from OnSachem News.

It's an understatement to say I enjoyed the idyllic Pacific Northwest in Washington State from the Skamania Lodge with the active and outdoorsy-focused 2023 Honda HR-V AWD EX-L. The air was refreshing, the striking Columbia River Gorge was purifying, and the urban, sporty drive experience was oriented toward those who love recreational activities like me and the Fit Fathers movement. The crossover is a gateway into the Honda SUV family and slated for young buyers transitioning into a life of added responsibility, but still covet impressive driving dynamics and new tech features. Read more from OnSachem News.

(NewsUSA) - Most people think of Marine Toys for Tots as the flagship Children’s Christmastime charity, but it is much more. The organization continues to seek more ways to support children in need throughout the year.     

“Toys for Tots distributed three million toys, games and books to COVID-19-impacted families through its DoGoodNow campaign over the past two years. Our support was desperately needed and so well received that we want to continue to do more --  at Christmastime and beyond. For the third year in a row, we’ll be partnering with our friends at Good360 and will expand upon our DoGoodNow initiative by distributing another one million toys, books and games to families with children in need,” says LtGen Jim Laster, President & CEO of the Marine Toys for Tots Foundation.     

He continues, “Our support doesn’t stop there. We want to be able to reach even more underprivileged children through other avenues. This summer, Marine Toys for Tots expands the DoGoodNow campaign with Summer of Smiles. One way Toys for Tots delivers summertime smiles is by providing support to children in the foster care system.”     

On June 3rd, staff members from the Marine Toys for Tots Foundation teamed with Wendy Chadwell, local Coordinator for Middle Georgia, to distribute educational gifts and bring hope to children in Georgia’s foster care system. The Foundation provided educational toys, books, games, and school supplies, and volunteers filled 476 brand-new backpacks to the brim to provide to local foster care children! The gifts were received by the local District Foster Care Coordinators who represented eleven surrounding counties and will be given directly to children in the local foster care program.     

This initiative is just one of many that allows the Marine Toys for Tots Foundation to provide support to underprivileged children beyond the holiday season.     

“It is Marine Toys for Tots’ mission to bring hope and joy to more children in need every year -- even beyond the holidays,” explains LtGen Laster. “That is why we distributed educational toys, books, games,school supplies and backpacks to the local District Foster Care Coordinators in Middle Georgia. This initiative was our first step in supporting children in foster care,” LtGen Laster adds.     

“These children leave their homes with only a small plastic bag of their belongings. Marine Toys for Tots wants to give foster care children not only something tangible to take with them as they move, but also some tools and hope for a brighter tomorrow.”   

Visit toysfortots.org for more information on how to help Toys for Tots support children year-round. Follow Marine Toys for Tots on Facebook, Instagram, Twitter and LinkedIn to learn about the year-round impact you’re making for our Nation’s children in greatest need. Read more from OnSachem News.

(NewsUSA) - ­­­­

Iris in the Dark“Iris in the Dark”

by Elissa Grossell Dickey       

A single mother faces her worst fear -- the past -- in a provocative novel of suspense by the author of “The Speed of Light.” Iris Jenkins knows that bad things happen. She’s tried to escape these things for years.  So when she is entrusted to house-sit at a lodge on the South Dakota prairie, she thinks she’s prepared for anything.  

But one surprise is Sawyer Jones, the property’s neighbor and caretaker, and a caring, reassuring presence. Then late one night, Iris hears a chilling cry for help coming from a walkie-talkie buried in a box of toys. As the calls get more desperate, personal and menacing, Iris realizes the person on the other end isn’t reaching out for help, but to terrorize her. Purchase at https://amzn.to/37PteOI.

Monkey Business“Monkey Business”

by Carleton Eastlake  

When TV writer William Fox is dragged by his show’s toxic producers to a “gentleman’s club,” he meets Nicole, a mysterious dancer who claims to be an anthropologist searching for signs of rational life on Earth.   Enchanted by her playful and serious ideas, Will falls in love -- and his ever-more troubled, love-struck behavior and the acidly destructive battles during the production of his show begin to illustrate Nicole’s theories.  

Nothing about Nicole seems authentic. After she warns she’ll soon leave and his producers are humbled by an uncanny encounter with the police, Will begins to wonder whether Nicole is staging real world events with him and the producers as her experimental subjects? And if so, can he learn the lessons she’s trying to teach and earn her love? Purchase at https://amzn.to/3ruWDoh.

Crazy to Leave You“Crazy to Leave You”

by Marilyn Simon Rothstein  

From the author of “Husbands and Other Sharp Objects” comes a witty, big-hearted novel about the happy accidents that lead to love and second chances.  

Forty-one years old, the last of her friends to marry, and down to a size 12, Lauren Leo is in her gown and about to tie the knot. There’s just one thing missing: the groom. With one blindsiding text, Lauren is unceremoniously dumped at the altar.  

Picking her heart up off the floor, Lauren turns to her work and plans her next step, finding a second chance in the most unexpected place. “A heartfelt, delicious story,” says Fiona Davis, New York Times bestselling author of The Magnolia Palace. Purchase at https://amzn.to/3Eeeg0S.

A Letter in the Wall“A Letter in the Wall”

by Eileen Brill  

It’s 1971, and Joan Dumann fears her former business partner wants her dead. As she constructs a letter about her predicament, she revisits her past.   Born into a prominent Philadelphia Quaker family in 1915 and raised with privilege, Joan wrestles with her turbulent thoughts and unfulfilled desires. When she attempts to push against the norms for women of her time to forge her own identity, she is met with resistance.  

Inspired by a letter written by the real Joan, found hidden in the wall of a Pennsylvania home more than half a century later, this is a fictionalized imagining of who she was and what motivated her. Moving through several decades, the book examines the factors that influence one woman’s journey toward independence and empowerment.

Purchase at https://amzn.to/3vkCUZN.

NOTE: BookBites is presented by BookTrib.com. Read more from OnSachem News.

EVENT FOLLOW UP: The American Truck Historical Society’s National Convention & Truck Show, held at the Illinois State Fairgrounds on June 9 - 11, 2022, was quite a show as I suspected it was going to be! There were over 700 trucks on display, from as small as a Chevy Corvair wrecker (yes, a tow truck), up to a bright yellow tractor for oversize loads, with an oversize sleeper that I swear was as big as my first apartment. Read more from OnSachem News.

German cars are too expensive! That’s what I hear from a lot of people. And while this generalization is usually correct it’s not always applicable. Case in point, this week’s tester which is the 2022 Audi A3 which has a starting price of just over $35,000. Sure it’s small and not practical for families, but for a young executive or someone looking to dip their toe into the luxury car market, the A3 fits the bill. Read more from OnSachem News.

(NewsUSA) - The ongoing pandemic has highlighted the importance of keeping your immune system strong and healthy, according to Leonard A. Farber, MD, a healthcare executive and expert in emerging technologies and their impact on public health.     

A weak immune system increases your risk not only for developing illness, but for a more severe case if you do become ill with something such as COVID-19, says Dr. Farber, who also serves as a spokesperson for nutritional supplement manufacturer Quadramune.     

Fortunately, there are many ways the average person can strengthen his or her immune system. In many cases, following the obvious and well-known advice to get enough sleep, eat a healthy diet, and exercise regularly can help boost your immune system. Other factors include avoiding smoking and excessive alcohol consumption, and incorporating ways to relieve stress, such as with yoga, tai chi, or other mindfulness-related activities.     

In addition, the right nutritional supplements can play an important role in reducing inflammation in the body and supporting a healthy immune system, says Dr. Farber. “At early stages, our bodies’ inflammatory response can fight off infection as well as play an integral role in injury repair. When inflammatory cells reach an unhealthy level such as in chronic inflammation, they can trigger your body’s immune system to attack healthy tissues and organs,” Dr. Farber explains.     

Nutritional supplements, such as those developed by Quadramune, are designed to help keep the immune system in balance. Anti-inflammatory foods such as salmon, tofu, walnuts, grapes, and olive oil can have a positive effect on the immune system, and many of the active ingredients in these foods are actually found in Quadramune supplements.     

The Quadramune supplements provide the benefits of infection-fighting power and protection against chronic inflammation, according to the company website. Several key ingredients in Quadramune supplements include:     

  • Pterostilbene. A natural dietary compound that has shown antioxidant activity and inflammatory properties.     
  • Epigallocatechin gallate. This powerful antioxidant plant compound boasts antioxidant properties and potential ability to help protect the lungs and promote healthy T cell activity.     
  • Sulphoraphane. This natural plant compound has been shown to help reduce inflammation, which may help protect your lungs and reduce your vulnerability to respiratory infections.     
  • Thymoquinone: phytochemical compound found in the plant Nigella sativa.  This active ingredient is chemically related to hydroxychloroquine, but with no prescription needed. It has demonstrated to stimulate natural killer (NK) cells which are antiviral, and is a potential antiviral itself based on its mechanistic effects on cells.     

This combination of ingredients “can be immune stimulating or boosting and preventative of an unhealthy immune response,” says Dr. Farber. “This allows the body a better chance not only to fight the onset of an infection or inflammatory reaction but also to lessen the severity of certain illnesses, especially those that are inflammatory-based in nature,” he adds.     

For more information, visit buyquadaramune.comRead more from OnSachem News.

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(NewsUSA) - BookBites is presented by BookTrib.com.

Antithesis­­­­“Antithesis”

by Svet Rouskov       

A collection of vivid and exhilarating science fiction stories, tied together by characters whose moral challenges offer windows into humanity and the human condition. These stories are cautionary tales, flights of fancy, terrifying psychological journeys, humorous romps and even a space opera.   Among them: a speculative tale about humankind becoming obsolete from the perspective of the machines we created. An airline pilot who loses his faith in the physics of flying. A new galaxy where humans are irrelevant, but the conflicts of a class-based society are not. A mission to Mars, the origins of humanity and an atrocity that stretches across time and space.  

Escape into worlds unlike anything you have seen before, but some eerily similar to our own.

Purchase at https://amzn.to/3FcLxtZ.

Preposterous: An Elizabeth Cromwell Mystery"Preposterous: An Elizabeth Cromwell Mystery"

by Jennifer Mason  

A San Francisco dominatrix, Elizabeth Cromwell, is drawn into the sudden disappearance of Edith Barlow, an heir to the estate of an old friend of Elizabeth’s, a woman who herself had vanished seven years earlier. A struggling poetry zine, a 400-meter hurdler who just missed the Olympics, a women’s track coach with a yen for bullwhips, a billionaire with a state-of-the-art S&M dungeon, a man serving a life sentence in Alabama, and an erotic art dealer, are a few of the many mysterious parts in a highly convoluted string of strange disappearances.  

Says Kirkus, “The murkiness of the tale and its California setting will call to mind the works of Thomas Pynchon, but Mason creates an atmosphere that is very much all her own.”

Purchase at https://amzn.to/3uwabk0.

Storm Surge“Storm Surge”

by John F. Banas  

Brenda Meyers is having a bad day. Her daughter is trapped somewhere in New Orleans right before Hurricane Katrina strikes. Her increasingly estranged husband may be on the verge of losing another job. And her cheating former fiancé claims to have evidence that his wife and Brenda’s husband are having an affair.  

But nothing matters more than finding and rescuing her daughter. Brenda feels a rescue mission can be made before the storm hits. So, when her former fiancé offers his boat and his help, Brenda reluctantly accepts, knowing her husband and ex cannot get along.  

Her worries prove correct. While racing the raging storm, she uncovers a fiendish plot to murder her well-insured husband, who happens to harbor secrets of his own.

Purchase at https://amzn.to/3uTBsgu.

Disorderly Conduct on a Flyer“Disorderly Conduct on a Flyer”

by Tiera Newhouse  

A single mother is falsely incarcerated and accused of disorderly conduct over punching a flyer, which ends in another twist of events. The author believes a life is far more valuable than a piece of paper. Read it and weep as the story describes how easy it is to get a false charge against you if you fail to comply with what the police ask you to do -- whether you break the law or not.  

Tiera shares her story on behalf of those who did not get to share theirs. It’s a story so serious that you’ll laugh when it’s over. Tiera illustrates the value of never giving up when things still look bad. Keep fighting to progress in the right direction, and you will succeed.

Purchase at https://bit.ly/3LqTptK.

NOTE: BookBites is presented by BookTrib.com. Read more from OnSachem News.

(NewsUSA) - Many older adults would prefer to remain in their own homes as they age, but a lack of affordable options makes this plan a challenge for individuals and their families, according to results of a new survey of more than 1,700 caregivers and other respondents in two rural California counties.     

Older individuals may find themselves burning through savings to stay at home, or forced to move to a nursing home or long-term-care facility if they can’t afford to hire home-care help, according to the survey. The survey was sponsored by Legacy Health Endowment, a California-based nonprofit healthcare grant-making foundation.   

Often, adult children become caregivers, and they face financial and emotional hardships of their own. Nearly 80% of the survey respondents says that their caregiving responsibilities have affected their ability to pay their household expenses. Adult children may sacrifice saving for their own retirements, funding their children’s college education, or making down payments on a home to financially support and care for aging parents.     

In these situations, “caregivers shoulder the burden of rearranging their schedules, juggling doctors’ visits and prescriptions, squeezing in regular shopping trips and performing essential housekeeping chores, all while caring for a spouse or aging parent,” explains Jeffrey Lewis, President and CEO of Legacy Health Endowment.   

The burden is even heavier for women, says Lewis. “Women who leave the labor force early because of care-giving responsibilities cost themselves an average of $324,044 in lost salary and Social Security and pension contributions over their lifetimes,” he adds.     

Other key survey results related to women caregivers include the following:     

  • Approximately 90% think services that allow seniors and those who are disabled to live where they prefer are important.     
  • Approximately 72% say that caregiving responsibilities have impacted their physical, mental, and emotional health.     
  • Approximately 60% report decreasing their work time because of caregiving responsibilities.

The survey also found overwhelming support from respondents for respite care for primary caregivers, who often face fatigue and burnout. More than 91% say they support programs that provide resources for their own mental health as well as resources to help with caregiving.  

The survey was sponsored by Legacy Health Endowment and conducted by J. Wallin Opinion Research, and conducted in English and Spanish between March 25 and April 19, 2022, in Stanislaus and Merced counties. The data were collected by professional interviewers by calling cell phones and landline phones, as well as online interviews via text, e-mail and social media.     

For full survey results,visit legacyhealthendowment.org. Read more from OnSachem News.

(NewsUSA) - Sometimes an egregious wrong gets righted.     

Such appears to be the case for military members and their families who’ve been seeking justice in the courts for exposure to contaminated water that sickened generations at the Camp Lejeune Marine base in North Carolina.     

Public outrage over their treatment heated up after victims’ lawsuits were dismissed in 2016 because of a state statute prohibiting plaintiffs from launching cases if more than 10 years have passed since the contaminating event. But last March the U.S. House of Representatives passed the bipartisan Camp Lejeune Justice Act of 2022 that essentially overrode that legal hurdle  -- “Thirty-four years of people were exposed to toxins in the drinking water,” one congressman raged -- and the Senate seems poised to follow suit.     

Now one of the nation’s most experienced tort law firms, Weitz & Luxenberg, has announced that it’s preparing to file lawsuits against the government in U.S. federal court on their behalf.     

“We believe they deserve compensation, especially because they and their families became sick while serving our country,” said Robin Greenwald, a partner at the firm and co-chair of its Environmental and Consumer Protection Unit. “They drank the water, they bathed in it, and they used it to cook their food.  And that water was contaminated with toxins at concentrations anywhere from 240 to 3,400 times the levels permitted by safety standards.”     

The 156,000-acre Camp Lejeune, with 11 miles of beach capable of supporting amphibious operations, is used for military training purposes primarily by the Marine Corps but also other branches of the armed forces.  Some of the most damning evidence comes from the U.S. Department of Health and Human Service’s own Agency for Toxic Substances and Disease Registry (ATSDR): “It is ATSDR’s position that exposure from the 1950s through February 1985 to trichloroethylene, tetrachloroethylene, vinyl chloride and other contaminants likely increased the risk of cancers, adverse birth outcomes, and other adverse health effects” for those on the base.   

The Marine Corps first discovered volatile organic compounds in Camp Lejeune’s drinking water in 1982. However, it was already too late for people like now-retired Marine Corps Master Sgt. Jerry Ensminger, whose 9-year-old daughter Janey died in 1985 after having been diagnosed with leukemia two years earlier.         

“The entire first trimester of (her mother’s) pregnancy was there on the base,” Ensminger told theHill.com on the eve of the bill’s passage. “We’ve got more documented evidence of what happened at Camp Lejeune than they have for Agent Orange.”   

Assuming the Camp Lejeune Justice Act is ultimately signed into law by the president, who would be eligible to file lawsuits?     

Those who lived, worked, or were exposed to drinking water at the base for at least 30 days from August 1, 1953, to December 31, 1987, and subsequently suffered water toxicity-related diseases.  Among the conditions associated with exposure to the chemicals found in the drinking water:       

• Breast, lung, liver, kidney and esophageal cancers     

• Leukemia     

• Cardiac defect     

• Female infertility     

• Miscarriage     

• Parkinson’s disease     

• Non-Hodgkins lymphoma     

• Fatty liver disease   

 • Myelodysplastic syndromes     

• Multiple myeloma     

• Renal toxicity     

• Neurobehavioral effects     

• Scleroderma     

Weitz & Luxenberg encourages those who believe they fit the criteria and have been diagnosed with one or more of those conditions to schedule a free consultation.     

The firm has a stellar track record in handling toxic contamination lawsuits. It won a landmark $423-million settlement against some of nation’s biggest oil companies, for example, in a suit involving the contamination of 153 public water systems with the gasoline additive methyl tertiary butyl ether. And Greenwald was co-lead counsel for an $11 billion settlement in 2020 against Monsanto Company on behalf of nearly 100,000 Americans suffering from Non-Hodgkins lymphoma from their exposure to the weed killer Roundup.       

As for Camp Lejeune, the ATSDR has said as many as 1 million military and civilian staff and their families might have been exposed to the contaminated drinking water. The victims who initially stepped forward only to have their cases dismissed in 2016 because of the North Carolina statute -- and they were only a tiny fraction of that number -- had reportedly filed claims totaling nearly $4 billion. Read more from OnSachem News.

(NewsUSA) - Today, many adults have elderly parents who live independently. As the number of digital scammers preying on the elderly increases, however, your aging parents are at higher risk of financial fraud.     

“You must be ready to safeguard your parents against the growing threat of digital scammers and become their trusted advocate,” says Laura J. LaTourette, CFP.® Not long ago, LaTourette had to come to the aid of her own mother, who had been targeted by scammers pretending to help upgrade her computer.     

Here are several tips LaTourette offers for protecting your parents’ finances as they age:     

• Talk it over. Sometimes talking about money is tricky, even with close family members. Older adults need to understand that they are at risk for fraud if they don’t have someone to help manage their money as they age. Ask about spending, saving and philanthropic habits, and know who has access to your parents’ account information.     

• Form a team. Enlist other family members if needed, and identify other trusted contacts with whom your parents feel comfortable discussing money matters. If your parents work with a CERTIFIED FINANCIAL PLANNER™ professional, set up a meeting to talk about fraud protection and create an elder care plan for your parents.     

• Make safety simple. Set up online account information, and show your parents how they and you can monitor account activity. Set up automatic withdrawals for monthly bills. If your parents still like to review and balance their checking accounts each month, use that as an opportunity to identify anything that looks out of the ordinary.     

• Establish power of attorney. As parents age, they may need someone else to communicate with financial institutions or health care providers. Make sure your parents have an updated power of attorney that lists you and/or any other trusted contacts. The same goes for a medical power of attorney.     

• Shred what you can. Many older adults have financial documents that don’t need to be kept, but because of sensitive information cannot simply be thrown out or recycled. Once you identify old financial documents, either shred them yourself at home or gather boxes of material to take to a community shredding event, which occur periodically in most communities.     

• Check their credit. Be sure to monitor your parents’ credit reports at least once a year; this helps ensure that no one is opening any false accounts using their identities.     

Visit LetsMakeAPlan.org for more information on how to assist your parents in safeguarding their finances as they age. Read more from OnSachem News.

(NewsUSA) - In a landmark Memorandum of Understanding (MOU) signed on May 17, 2022, by Mitch Carmichael, the Secretary of State for Economic Development of West Virginia, and Yong Soo Jun, Chairman of UNDBIO, Inc. the State of West Virginia agreed to provide fiscal, tax, and other incentives to promote UNDBIO’s production of insulin in West Virginia.  Secretary Carmichael also pledged to work with state, county, and local officials to promote UNDBIO’s insulin production.     

The purpose of the MOU is to meet the need for reasonably priced insulin in the United States and North America, as currently over 50 million persons are suffering from diabetes in the United States. In West Virginia alone 16 percent of the adult population suffers from diabetes.  The most commonly used forms of analogue insulin cost 10 times more in the United States than in any other developed country.     

UNDBIO estimates that its manufacture of insulin will create 1,200 new jobs in West Virginia and result in the transfer of its innovative technology platforms including human insulin, insulin analogues, and delivery innovation such as insulin sustained release injection.     

UNDBIO will commence its research and construction of its West Virginia manufacturing plant in the second half of 2022, complete its pilot facility in 2023, and manufacture clinical drugs for human clinical trials in 2024.     

“I am happy to establish our relationship with the State of West Virginia to manufacture affordable insulin and insulin analogues for the diabetic population around the globe,” said UNDBIO’s Chairman Jun. “We would welcome other partners and investors into our global insulin project,” he said.     

UNDBIO officials recently met with U.S. Senator Joe Manchin (D-W.Va.), who said, “UNDBIO has showcased their commitment to bringing long-term, good-paying jobs to West Virginia and as UNDBIO, WVU and state officials continue discussions, my staff and I are prepared to support these efforts to bring manufacturing opportunities to the Mountain State.”     

Support is echoed by U.S. Senator Shelley Moore Capito (R-W.Va.), who said “The news of this agreement between UNDBIO and the State of West Virginia is a positive step forward in UNDBIO’s quest to manufacture insulin right here in West Virginia. While there is still more work to do to finalize this new facility, I stand ready to help to make sure this becomes a reality. I congratulate UNDBIO on this advancement and look forward to supporting them in their investment that could lead to creating more than 1,000 jobs in West Virginia.”     

UNDBIO has signed a Memorandum of Understanding indicating its intention to manufacture insulin at the Research Park owned by West Virginia University (WVU) in Morgantown, West Virginia. The support of federal and state officials of West Virginia was echoed by Gordon Gee, President of West Virginia University, who said, “We look forward to building a strong relationship with UNDBIO that can further an important part of our land-grant mission to provide opportunities for better access to health care.”     

For further information, contact: Dr. Haiching Zhao/UNDBIO, haichingz@yahoo.com; Tel: 240-234-4717. Read more from OnSachem News.

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Now that Memorial Day is behind us it’s officially summer vacation time. Road trips with the family are a long-standing tradition for so many including my family. But yikes, the cost of fuel makes that more prohibitive right now. Nevertheless, I loaded my family into one of the largest and most gas-guzzling vehicles on the road today. Fuel prices be damned, we were Florida bound. Read more from OnSachem News.

Inflation has hit many sectors of the economy hard over the last year, but few categories can compare to the automotive industry. Low interest rates, federal stimulus payments, and better-than-expected economic conditions throughout the pandemic gave households more money to spend on big purchases like cars, and the unpredictable spread of COVID-19 has made it more difficult for carmakers to meet demand. With fewer new cars available, consumers have been competing for used models, which has sent used car prices increasing even faster. Researchers calculated the difference between the current market price and the original price forecast for 100 of the most popular model year 2020 used vehicles on the market and ranked models accordingly. Read more from OnSachem News.

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(NewsUSA) - 100.

That’s the age that 69 percent of Americans say they want to live till, according to a just-released “Longevity and the New Journey of Retirement” study conducted by financial services firm Edward Jones in partnership with Age Wave and The Harris Poll.  

If that seems surprising, it may be because most of us envision what used to be called our “golden years” unfolding far differently than they did for our parents and grandparents.  “Today’s retirees have a growing array of opportunities to stay engaged, possibly reinvent themselves, and enjoy the freedoms that stage of life affords,” said Edward Jones’ Ken Cella.

Ah, but, just how enjoyable your later years wind up being depends on which “path,” as Edward Jones calls it, you follow.

Purposeful Pathfinders

1.Purposeful Pathfinders

You’ve seen the photos of older couples hiking or happily sightseeing outside the Eiffel Tower, right?  Unless they inherited their wealth or hit the lottery – two things you don’t want to depend on – it’s likely because they began saving for retirement earlier (age 34, on average) than most of the more than 4,000 retirees surveyed and invested their money wisely along the way.  Ergo, with 78 percent of this group reporting that they’re in “great shape financially,” four words describe their retirement:  happy, engaged, productive and contributory.  

Relaxed Traditionalists

2.Relaxed Traditionalists

Rest, relaxation and generally enjoying life free from past responsibilities typify them.  They, too, have mainly heeded Edward Jones’ most important warning: “The value of financial foresight cannot be underestimated since the conventional three-legged stool for funding retirement – pensions, Social Security and personal savings – has become even more wobbly, and unexpected expenses like healthcare can arise.”  

The most open to relocating – including to an adult living community –moving was made easier for them since they’d been saving since age 37 and may even have used the sale of their house to finance it.    

Challenged Yet Hopefuls

3.Challenged Yet Hopefuls

Okay, here’s where things start to get a bit dicey.

Most of those surveyed said they should have started saving at age 29; this group, ruefully as they now admit, actually started at 45, which was seven years later than the average of those polled.  

Consequently, while they lead active lives and are doing the best with what they have, their retirement years are what you would call “constrained.”  

How constrained?  Half admitted to often worrying about outliving their money and 54 percent with retirement accounts have resorted to early withdrawals.

Regretful Strugglers

4.Regretful Strugglers

The name says it all.

The least prepared for retirement, they’re also unfortunately the largest group of retirees (31 percent) and have little if any savings.

They’re also the most unhappy, the most regretful about the choices they’ve made, and the most down on life in general.

Sounds bleak?  Wait, it gets worse.

A whopping two-thirds of them seriously worry about outliving their savings.  A fate you wouldn’t wish on your worst enemy and one you can potentially avoid by consulting a financial advisor, like a trusted local one at Edward Jones, who can help bring you closer to the future you see for yourself.  Plus, one of the firm’s free online tools even lets you calculate whether you’re on track to save enough to retire when you want.    

Whether you live to be 100 or not is an entirely different story. Read more from OnSachem News.