Learn how the government shutdown affects Social Security, Medicare, and your benefits. Learn what payments continue, which services may be delayed, and why it matters for seniors and families.
In today’s update, learn what happens to Social Security during a government shutdown and how it impacts seniors, families, and federal benefits. This update explains why Social Security payments continue, what services may be delayed, and how shutdowns affect disability claims, Medicare cards, and appeals. You’ll also understand the broader impact on the economy, small businesses, and federal workers, along with the politics behind the standoff. Find out how shutdowns cost billions, create uncertainty, and raise questions about trust in government, and learn what steps you can take to stay prepared.
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Money Instructor does not provide tax, legal, or investment advice. This material has been prepared for educational and informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or investment advice. You should consult your own tax, legal, and investment advisors regarding your own financial situation. Although the information has been researched and vetted beforehand, it may not be current at the time of viewing. Please note, the context of financial investments can be complex and dynamic, necessitating professional advice tailored to your unique circumstances.
Learn how Amazon Prime’s $2.5 billion lawsuit settlement could put money back in your pocket and what steps you need to take to claim your refund. Learn who qualifies, how the process works, and what changes this case could bring for Prime subscriptions and consumer protection.
Learn about the Amazon $2.5 billion settlement with the FTC, how customers may qualify for refunds, and what steps to take if you are eligible. This covers Amazon Prime subscription practices, refund eligibility dates, automatic refunds, the claims process, and deadlines. It also explains what changes Amazon must make going forward, how consumer protection rules like Click-to-Cancel could affect other companies, and why subscription audits can save you money. You will see how this settlement affects Amazon customers, the wider tech industry, and your own finances if you had Prime in recent years.
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Money Instructor does not provide tax, legal, or investment advice. This material has been prepared for educational and informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or investment advice. You should consult your own tax, legal, and investment advisors regarding your own financial situation. Although the information has been researched and vetted beforehand, it may not be current at the time of viewing. Please note, the context of financial investments can be complex and dynamic, necessitating professional advice tailored to your unique circumstances.
Learn how a government shutdown impacts Social Security checks, Medicare, and Medicaid benefits for seniors. Discover what’s really at risk when Congress can’t agree on funding.
A government shutdown can raise big questions about Social Security checks, Medicare, and Medicaid, and this explains what you need to know. Learn how shutdowns affect federal benefits, what risks exist for Social Security payments, Medicare coverage, and Medicaid support, and why lawmakers in Congress clash over these programs. It breaks down what happens when government services close, how funding fights in Washington impact seniors and families, and what “checks at risk” really means. You’ll also understand the difference between short-term budget battles and long-term debates about Social Security, Medicare, and Medicaid. This gives you the key insights on shutdowns, benefits, and what could happen next.
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Money Instructor does not provide tax, legal, or investment advice. This material has been prepared for educational and informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or investment advice. You should consult your own tax, legal, and investment advisors regarding your own financial situation. Although the information has been researched and vetted beforehand, it may not be current at the time of viewing. Please note, the context of financial investments can be complex and dynamic, necessitating professional advice tailored to your unique circumstances.
If you need help with Medicare, please contact Medicare, your local State Health Insurance Program (SHIP), your current Medicare insurance agent/broker/plan, or feel free to contact my Medicare partner, Chapter, at 615-639-1937. Chapter: Memoir, Inc. d/b/a Chapter is a privately-owned, data and technology-enabled advisory that helps older Americans navigate retirement. Insurance agency services are provided by Chapter Advisory, LLC, a licensed health insurance agency and wholly owned subsidiary of Memoir, Inc. In California, Chapter Advisory, LLC does business as Chapter Insurance Services (Lic. No. 6003691).
Chapter and its affiliates are not connected with or endorsed by any government entity or the federal Medicare program. Chapter Advisory, LLC represents Medicare Advantage HMO, PPO, and PFFS organizations and stand alone prescription drug plans that have a Medicare contract. Enrollment depends on the plan’s contract renewal. While we have a database of every Medicare plan nationwide and can help you to search among all plans, we have contracts with many but not all plans. As a result, we do not offer every plan available in your area. Currently we represent 50 organizations which offer 18,160 products nationwide. We search and recommend all plans, even those we don’t directly offer. You can contact a licensed Chapter agent to find out the number of products available in your specific area. Please contact Medicare.gov, 1-800-Medicare, or your local State Health Insurance Program (SHIP) to get information on all of your options.
Learn how new 401(k) tax changes and crypto rules may affect your retirement savings. Learn what these updates mean for your taxes, investment options, and financial future.
In today’s update, retirement planning is changing fast, and new 401(k) tax rules and crypto options could impact your future savings. Learn about Roth catch-up contribution rules for higher earners, how new taxes could affect retirement income, and what it means when crypto and alternative assets are added to 401(k) plans. Understand the risks of volatile investments, rising taxes, and the choices you must make to protect your retirement. This update explains 401(k) tax changes, Roth mandates, crypto in retirement, and the future of saving so you can stay informed and prepared.
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Money Instructor does not provide tax, legal, or investment advice. This material has been prepared for educational and informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or investment advice. You should consult your own tax, legal, and investment advisors regarding your own financial situation. Although the information has been researched and vetted beforehand, it may not be current at the time of viewing. Please note, the context of financial investments can be complex and dynamic, necessitating professional advice tailored to your unique circumstances.
Learn why so many Americans are being forced into RVs as housing prices and rents continue to rise. Learn about the challenges, hidden costs, and resilience of families turning RVs into their only affordable option.
In today’s update, rising housing costs are pushing Americans into RV living as an alternative to traditional homes. You will learn about the housing crisis, skyrocketing rents, and why families, retirees, veterans, and workers are being forced onto wheels. This covers the challenges of RV life, including hidden costs, repairs, fuel, and park fees, along with how RVs lose value compared to homes. It also explains government responses, affordability issues, and the resilience of families adapting to survive. The themes include housing market struggles, cost of living, affordable housing shortages, and the realities of turning RVs into permanent homes.
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Money Instructor does not provide tax, legal, or investment advice. This material has been prepared for educational and informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or investment advice. You should consult your own tax, legal, and investment advisors regarding your own financial situation. Although the information has been researched and vetted beforehand, it may not be current at the time of viewing. Please note, the context of financial investments can be complex and dynamic, necessitating professional advice tailored to your unique circumstances.
Learn what’s changing with SNAP in October 2025, including benefit amounts, income and asset limits, and work requirements. Learn how new rules and state restrictions could impact food stamps and what you can do to prepare.
Millions of Americans on SNAP, also known as food stamps, face new rules starting in October 2025. In this update, you will learn what’s changing with SNAP benefit amounts, income limits, and asset limits, and why these adjustments happen every year. We’ll cover what “countable assets” really mean, how deductions can help increase benefits, and why stricter work requirements for able-bodied adults without dependents (ABAWDs) may cause some people to lose food assistance. You’ll also find out how states are adding restrictions on what can be purchased with SNAP, including limits on junk food, and what steps you can take to prepare. This guide helps seniors, families, and individuals understand the latest food stamps changes and what they mean for eligibility, payments, and coverage.
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Money Instructor does not provide tax, legal, or investment advice. This material has been prepared for educational and informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or investment advice. You should consult your own tax, legal, and investment advisors regarding your own financial situation. Although the information has been researched and vetted beforehand, it may not be current at the time of viewing. Please note, the context of financial investments can be complex and dynamic, necessitating professional advice tailored to your unique circumstances.
Learn the October 2025 Social Security payment dates, the new changes to benefit delivery, and what’s ahead for retirees, SSI, and SSDI recipients. Learn about overpayment rules, tax deductions, COLA projections, and the future of Social Security under current policy debates.
In today’s update, learn the full Social Security payment schedule for October 2025 including exact SSI and retirement deposit dates, plus new rules as paper checks end and payments move to direct deposit or Direct Express. Understand how overpayments are collected, what changes the Trump administration is proposing, and what the trustees report says about future trust fund solvency. See how the repeal of WEP and GPO affects public workers, how seniors can use the new $6,000 tax deduction, and what to expect from the 2026 COLA adjustment. This impacts retirees including SSI (Supplemental Security Income), SSDI (Social Security Disability Insurance), survivors, VA, and spousal benefits. Get updates on the retirement age debate, SSI double payment in October, and why staying informed about Social Security changes is so important for retirees, SSI recipients, SSDI beneficiaries, survivors, and spousal benefits.
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Money Instructor does not provide tax, legal, or investment advice. This material has been prepared for educational and informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or investment advice. You should consult your own tax, legal, and investment advisors regarding your own financial situation. Although the information has been researched and vetted beforehand, it may not be current at the time of viewing. Please note, the context of financial investments can be complex and dynamic, necessitating professional advice tailored to your unique circumstances.
Learn how the October 1 paper checks deadline impacts Social Security, IRS refunds, veterans’ benefits, and more. Learn what the switch to electronic payments means for you, who is most affected, and what steps to take now to avoid delays.
In today’s update learn about the October 1 2025 paper checks deadline and what it means for Social Security benefits, IRS tax refunds, veterans’ payments, military retirement pay, and government contractors. This guide explains why paper checks are ending, what the new electronic payment systems are, how exceptions and waivers work, and who is most affected by the transition. This impacts retirees including SSI (Supplemental Security Income), SSDI (Social Security Disability Insurance), survivors, VA, and spousal benefits. Understand the risks of fraud, the impact on older adults and rural residents, and the reasons behind this government modernization.
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Money Instructor does not provide tax, legal, or investment advice. This material has been prepared for educational and informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or investment advice. You should consult your own tax, legal, and investment advisors regarding your own financial situation. Although the information has been researched and vetted beforehand, it may not be current at the time of viewing. Please note, the context of financial investments can be complex and dynamic, necessitating professional advice tailored to your unique circumstances.
Learn how the Fed’s recent rate cut affects your money, from mortgages and credit cards to savings and emergency funds. Understand the hidden impact on your finances and how to stay prepared in a changing economy.
Today’s update covers the Federal Reserve rate cut, how lower interest rates affect your money, and what it means for mortgages, credit cards, savings accounts, and refinancing. Learn how the Fed’s decision impacts borrowing, debt, and everyday finances, why savings yields are dropping, and why building an emergency fund is more important than ever. It also explores political pressure on the Fed, inflation, unemployment, and investment strategies in a lower-rate world, including dividend stocks and financial funds. You’ll discover why rate cuts are more of a signal than a solution, and how to prepare your wallet for changes in the economy and future financial challenges.
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Money Instructor does not provide tax, legal, or investment advice. This material has been prepared for educational and informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or investment advice. You should consult your own tax, legal, and investment advisors regarding your own financial situation. Although the information has been researched and vetted beforehand, it may not be current at the time of viewing. Please note, the context of financial investments can be complex and dynamic, necessitating professional advice tailored to your unique circumstances.
Learn what the 2026 Medicare ANOC letter means, why it’s critical to open by September 30, and what steps you should take before open enrollment. Get key tips on saving money, checking coverage, and avoiding costly surprises.
This covers the 2026 Medicare Annual Notice of Change (ANOC) letter, deadlines, and what seniors must know before September 30. Learn how Medicare Advantage and Part D plans may change for 2026, including higher premiums, deductibles, drug coverage changes, and network reductions. Understand why insurers are cutting benefits, how new federal rules impact drug prices, and what steps you must take before open enrollment. Key points include opening the letter, checking providers, prescriptions, and priorities, plus tips for saving money on deductibles, pharmacies, and supplemental benefits. This also explains special rights if your plan ends.
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Money Instructor does not provide tax, legal, or investment advice. This material has been prepared for educational and informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or investment advice. You should consult your own tax, legal, and investment advisors regarding your own financial situation. Although the information has been researched and vetted beforehand, it may not be current at the time of viewing. Please note, the context of financial investments can be complex and dynamic, necessitating professional advice tailored to your unique circumstances.
Learn what Social Security changes are coming October 15, 2025 and how they impact your benefits, Medicare premiums, retirement age, work credits, and earnings tests. Learn how these updates affect your retirement planning and why staying informed is key to protecting your financial future.
Today’s update covers Social Security new changes on October 15, including the 2026 COLA projection, Medicare premium increases, the full retirement age shift to 67, rising wage caps, work credit requirements, and the earnings test rules. Learn how Medicare costs can cut into Social Security raises, why the COLA formula doesn’t match real retiree expenses, and what trust fund insolvency projections mean for future benefits. This impacts retirees including SSI (Supplemental Security Income), SSDI (Social Security Disability Insurance), survivors, VA, and spousal benefits. Get clear explanations of how early claiming penalties and delayed retirement credits work, plus what changes in wage limits and work credits mean for workers. This also looks at long-term solvency, retirement planning, and what the administration is doing to modernize Social Security.
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Money Instructor does not provide tax, legal, or investment advice. This material has been prepared for educational and informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or investment advice. You should consult your own tax, legal, and investment advisors regarding your own financial situation. Although the information has been researched and vetted beforehand, it may not be current at the time of viewing. Please note, the context of financial investments can be complex and dynamic, necessitating professional advice tailored to your unique circumstances.
Learn why health insurance costs are climbing and what letters from insurers are revealing about rising premiums across the country. Learn how employer plans, ACA subsidies, Medicare, drug prices, and political fights could affect your coverage and your wallet.
In today’s update, health insurance costs are going up, and this guide explains the key reasons behind the rise. Learn about employer health plan premium hikes, Affordable Care Act subsidies set to expire, inflation’s role in driving medical costs, and the impact of new prescription drugs like weight loss and diabetes treatments. Understand how proposed tariffs, political battles in Washington, and higher out-of-pocket costs are affecting families, workers, and rural hospitals. This breakdown covers what you should know about the real causes of premium increases, what employers and policymakers are doing, and what options you may have to better manage rising insurance costs.
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Money Instructor does not provide tax, legal, or investment advice. This material has been prepared for educational and informational purposes only, and is not intended to provide, and should not be relied on for, tax, legal or investment advice. You should consult your own tax, legal, and investment advisors regarding your own financial situation. Although the information has been researched and vetted beforehand, it may not be current at the time of viewing. Please note, the context of financial investments can be complex and dynamic, necessitating professional advice tailored to your unique circumstances.
