Retirement can last 30 years or longer today given longer lifespans. This requires accumulating more assets than many realize, especially considering the impact of inflation and possible changes to future needs, living expenses and your health.
A few years ago, the Tax Cuts and Jobs Act of 2017 cut income taxes for most Americans. Few remember that these lower rates were temporary and are scheduled to spring back to their old, higher rates on January 1, 2026. That’s a little over two years from now.
What is VO2 max, you ask? Well, it's not as complicated as it might sound. In simple terms, VO2 max is a measure of your body's ability to use oxygen during exercise. It's a key indicator of your cardiovascular fitness and endurance. The higher your VO2 max, the more oxygen your body can deliver to your muscles, allowing you to perform better and go farther in your physical pursuits.
Have you ever been tempted to purchase a vacation time share? You may be offered a free multi-day hotel stay, meals or tickets to an event – just for attending a short introductory meeting to learn more. Chances are the meeting will be much longer than you anticipate with pressure to purchase.
This has been a tough year to buy a used car. My daughter needed new wheels this spring and when I went car shopping, I found out that things have really changed. The last time I bought a car was during COVID. You remember, when you were the only person on the dealer’s lot and the salesman seemed like he had not talked to anybody all day. Well, things are different now.
Rick’s tip! Microsoft or Apple (or any other company) will never call you to tell you that you have been hacked. Once a wire transfer is initiated, it is nearly impossible to get your money back. NEVER wire transfer money to anyone you do not personally know.