Kent McDill
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Articles by Kent McDill
A guide to knowing your full retirement age for Social Security
Kent McDill A Guide to Knowing Your ‘Full Retirement Age' for Social Security : The age 65 has always carried big significance. For baby boomers and those from earlier generations, age 65 was a target. It was the unofficial age for retirement. But we need to adjust our thinking when it comes to that number. Today, many people who turn 65 are still working and, thanks to improved life expectancy statistics, can look forward to 20 more years of good life and relatively good health.
How to collect Social Security while working (and jobs to consider)
As simple words go, retirement carries a lot of weight and a lot of baggage. Now that retirement is bouncing around in your mind, and you entertain the thought of giving up your day job, you ask yourself: Are my retirement income and Social Security going to be enough for my preferred lifestyle? What am I going to do with myself every day? One answer responds to both questions. You can retire, collect Social Security, still work and be productive.
53 companies that offer lifetime warranties on products
Were always looking for ways to save money, and one surefire way to do that is to buy products from companies with lifetime warranties. So they will repair or replace something if it breaks. You may spend a bit more upfront, but quality items and ones with awesome lifetime warranties can end up saving you money in the long run. From backpacks to knives, heres a list of brands that offer lifetime warranties with no strings attached plus those that cover manufacturer defects forever.
Kent McDill, Contributor - The Penny Hoarder
Latest Articles
What the Social Security Fairness Act Could Mean for You
Here’s something you may not know about Social Security: Some people who worked in both public and private jobs in their lifetimes have their Social Security benefits reduced because of the pensions they receive from their public job. That means teachers, police and fire workers, and other civil servants don’t receive their full Social Security benefits — even if they also worked private-sector jobs. But a piece of legislation called the Social Security Fairness Act recently changed that.
8 Ways to Watch Live NFL Games After You’ve Ditched Cable
Get up to speed on the major changes for catching NFL games this season. Read 8 Ways to Watch Live NFL Games After You’ve Ditched Cable from Money Talks News.
Capital One Aims to Buy Discover: What Does that Mean?
Capital One credit cards are shown in Mount Prospect, Ill., Tuesday, Feb. 20, 2024. Capital One Financial is buying Discover Financial Services for $35 billion, in a deal that would bring together two of the nation’s biggest lenders and credit card issuers. Nam Y / AP Photo Capital One is attempting to buy Discover — does that matter for you? It matters for consumers who depend on credit to live their lives and who pay high interest rates for the privilege.
If You Went to University of Phoenix, You May Be Eligible for Loan Forgiveness Original
see more from Debt A University of Phoenix billboard is shown in Chandler, Ariz. Matt York/AP Photo Some of the links in this post are from our sponsors. We provide you with accurate, reliable information. Learn more about how we make money and select our advertising partners. If you used federal student loans to pay for your education at the University of Phoenix a few years ago, you may be eligible for full loan forgiveness. On Sept.
A Guide to Knowing Your ‘Full Retirement Age’ for Social Security
A Guide to Knowing Your ‘Full Retirement Age’ for Social Security Editor's Note: This story originally appeared on The Penny Hoarder. The age 65 has always carried big significance. For baby boomers and those from earlier generations, age 65 was a target. It was the unofficial age for retirement. But we need to adjust our thinking when it comes to that number.
A Guide to Knowing Your ‘Full Retirement Age’ for Social Security
A Guide to Knowing Your ‘Full Retirement Age’ for Social Security Editor's Note: This story originally appeared on The Penny Hoarder. The age 65 has always carried big significance. For baby boomers and those from earlier generations, age 65 was a target. It was the unofficial age for retirement. But we need to adjust our thinking when it comes to that number.
Make up to $300 a Day With Seasonal Election Jobs
1 of 10 Photos in Gallery©Krakenimages.com / Shutterstock.com Make up to $300 a Day With Seasonal Election Jobs You want to make a few extra dollars, and the American election process makes that possible. And those extra dollars could stretch into the hundreds for just a couple days’ work. With a day of training — that you can get paid for too — you can be a poll worker, one of those people who checks IDs and make sure people are voting in the right place.
Make up to $300 a Day With Seasonal Election Jobs
Welcome to Robertson Quay, the vibrant neighbourhood in River Valley that offers a delightful mix of delectable dining options, exciting activities, and fantastic accommodations. Whether you’re a food lover, an adventure seeker, or a culture enthusiast, Robertson Quay has something for everyone. Robertson Quay Restaurants Kubô: Experience Contemporary Filipino Cuisine in a Stunning Setting Located in Robertson Quay, Kubô is a new addition to the vibrant dining scene.
Treasure Hunting: Some Rolls of Coins Are Worth More Than You Think Original
Some of the links in this post are from our sponsors. We provide you with accurate, reliable information. Learn more about how we make money and select our advertising partners. Coin collecting was once a very popular hobby in America. From pennies to half dollars, people would look for (and sometimes find) coins of worth beyond their face value, and sell them to serious collectors.
The 15 Best Online Tutoring Jobs of 2023
1 of 32 Photos in Gallery©Juliya Shangarey / Shutterstock.com The 15 Best Online Tutoring Jobs of 2023 If you have a knack for teaching, a proliferation of online tutoring platforms have created numerous opportunities to make extra money helping students learn various subject material — from math and physics to English and political science.
23 Great Part-Time Jobs for Retirees Who Aren’t Ready To Call It Quits
Sucker punch It’s a fact: the more air you can get into an engine, the more fuel you can add, the bigger the bang. And that generally means… faster. So, for years, car companies have worked out various ways of allowing an engine to suck in air more easily because it provides, in effect, free performance. And if they managed to make the cars look cool while doing so, and therefore add a little kudos, then all the better.
23 Great Part-Time Jobs for Retirees Who Aren’t Ready To Call It Quits
Editor's Note: This story originally appeared on The Penny Hoarder. Who even knows what “retired” means anymore? You might have left the career you had in the 40-hour-a-week workforce. But now you don’t exactly want to be glued to your couch watching puppy videos. You want to be active, you want to work and you want to make a little money to support your fun retirement plans.
The 15 Best Online Tutoring Jobs of 2023
Editor's Note: This story originally appeared on The Penny Hoarder. If you have a knack for teaching, a proliferation of online tutoring platforms have created numerous opportunities to make extra money helping students learn various subject material — from math and physics to English and political science. Tutoring online can be a nice side gig for current or former teachers and even college students who have great subject matter mastery and some teaching skills.
The 15 Best Online Tutoring Jobs of 2023
Editor's Note: This story originally appeared on The Penny Hoarder. If you have a knack for teaching, a proliferation of online tutoring platforms have created numerous opportunities to make extra money helping students learn various subject material — from math and physics to English and political science. Tutoring online can be a nice side gig for current or former teachers and even college students who have great subject matter mastery and some teaching skills.
14 Steps to Becoming a Top Amazon Reviewer Original
Editor's Note: This story originally appeared on The Penny Hoarder. When you consider making a purchase through Amazon, you expect to see an honest review from someone who has purchased the item. We look for quality reviews typified by honesty. In some cases, the reviewer has received free and discounted products for the purposes of writing a quality review that can be helpful to others.
The 6 Best Travel Tours for Your Next European Vacation
Planning a European vacation can be time-consuming and frustrating. But with COVID concerns subsiding for some and travel restrictions lifted, plenty of Americans have dealt with the planning challenges. Travel from the U.S. to Europe was up a whopping 862% in March 2022 over the same month in 2021, according to the National Travel and Tourism Office. That could be why your Instagram feed is filled with photos of the Eiffel Tower and Big Ben.
Vote Yes on Seasonal Election Side Gigs and Make Up to $300 a Day
You want to make a few extra dollars and the American election process makes that possible. And those extra dollars could stretch into the hundreds for just a couple days’ work. With a day of training — that you can get paid for too — you can be one of those people who checks IDs and make sure people are voting in the right place. That’s a poll worker and is just one of several positions to be filled during the election season. Even high school students can get in on the action.
Why Is My Card Being Declined? We’ve Got The Answers
You are relatively flush, financially speaking. Your debit accounts all have funds in them, and your credit card payments are up to date. There are no notices on your credit report that would cause any transaction to be dinged by your credit card company or your bank. But, your debit card got declined last night when you tried to buy pizza. Or, worse, you were hosting a party of notable size and your credit card got declined, even though you knew you had enough available credit to pay the bill.
Ticked Off About the Cost of an EpiPen? Claim Your Share of $264M Antitrust Settlement Original
If an EpiPen has been a part of your family’s medical history for the past decade, you are entitled to some money. This is welcome news since the cost of a pair of allergy-reaction fighting EpiPens has jumped from about $100 in 2009 to nearly $700 today. Generic versions are a couple of hundred dollars less. And while most insurance plans cover the EpiPen, not everyone has insurance.
Real Estate When you include a down payment with your mortgage loan to pay for a new home, those funds you included are your investment in your home. In order to reduce your mortgage payment as much as possible, your down payment is perhaps as large as you could afford. For most home buyers, the down payment is a great deal of money. Every monthly mortgage payment you make includes principal, which is the amount that goes directly to the purchase price of the home.
It Costs More to Move to Another State Than You Might Think
Remote working has advantages beyond being able to attend Zoom meetings in your sweatpants. You can move closer to family or friends, head to a nicer climate, or live in a cheaper state. As long as you have no in-office requirements, you can live wherever you want providing you are willing to deal with attending meetings in a different time zone. Moving to your dream location does require money. Whether you hire a mover or load your own truck, there are moving costs.
Real Estate When you are shopping for a mortgage that fits your limited budget and tight timeline, you’re probably facing two choices: a consumer bank or a mortgage broker. A consumer bank is where you likely have your checking account. Also known as a retail bank, a consumer bank handles basic banking needs such as checking and savings accounts, automobile or mortgage loans, and certificates of deposit. A consumer bank also offers mortgages, but it is not the main thrust of its business model.
The 13 Best Personal Loans For Borrowers With Bad Credit for 2022
see more from Debt Advertiser Disclosure Lots of lenders offer options for customers with bad credit. Check them out before resorting to a payday loan or a credit card with a high interest rate.
Earning Money Passive income is one of the three most recognized types of personal income–joining active income and portfolio income. The word “passive” in this case refers to the relationship between the income and the person receiving it: it is a passive relationship, or one might say that there is very little relationship at all.
Save Big Bucks By Being A One-Car Household Original
Have you ever considered being a one-car family? If you are single, have you ever thought about living without a car of your own? Certainly, there was a time when neither of those scenarios would have been considered feasible, reasonable or popular. Owning a car was our birthright and what so many of us worked toward after getting a driver’s license as a teenager. A car is often the first big-ticket item we own — or go into debt for. But owning a car is expensive, and getting more so.
When you purchase your first home, you become aware that you are required to pay for the privilege of owning a home. That payment comes in the form of property taxes. Property taxes are a revenue source for most local governments. Whether you live in a city, a town, a village, or a parish, you are likely charged a property tax.
Step-by-Step Guide on How To Become a Top Amazon Reviewer Original
When you consider making a purchase via Amazon and scour the reviews that accompany the product, you expect to see an honest review from someone who has purchased the item. That is sometimes true. But in some cases, the reviewer has received free and discounted products for the purposes of writing a quality review that can be helpful to others. In this case, we still expect the product tester to give an honest assessment even if they’ve received free or discounted products.
Here’s How to Pick the Right Homeowners Insurance Company for Your Needs Original
Some of the links in this post are from our sponsors. We provide you with accurate, reliable information. Learn more about how we make money and select our advertising partners. When you decide to purchase a home and you use a mortgage to pay for the home over time, you are almost certainly going to be required to carry homeowners insurance. This type of insurance protects the lender in case anything happens to the home, such as if it’s damaged or otherwise loses its value.
Why You Need Social Security Credits & 5 Job Ideas to Build Your Credits Original
For whatever reason, you do not yet qualify to receive Social Security benefits, but you are old enough to begin thinking about your retirement. What can you do about that? The most common reason people can’t qualify for Social Security is because they haven’t paid enough into the system to qualify. Maybe you stayed home to raise children. That’s a big job for sure, but an unpaid one. Now that the children are grown, you might want to get back into the workplace to earn Social Security benefits.
How the Fed Interest Rate Increase Will Affect You Original
see more from Debt The Federal Reserve has hiked interest rates for the first time since 2018, partially due to consumer angst and anger about rising inflation. Have you seen the price of gas? In general, a rate increase is good for savers and we may see some drops in prices of consumer goods. But the hike is not so fabulous for borrowers who will see mortgage and credit card rates jump. Millennials and younger Generation Z have seen historically low mortgage rates all of their adult lives.
Amazon Increases Tuition Reimbursement
In a move that could affect hundreds of thousands of people, Amazon is offering to pay even more for college tuition, classes, books and fees for its front-line employees. Amazon employees more than 1 million people in the U.S. The e-commerce giant has been offering a $3,000 annual tuition stipend and has now raised that to $5,250. It’s a generous offer and one that might be best for employees looking to study part-time while working.
Did TokTok Steal Your "Faceprint?" File a Claim to Get a Share of $92M
The deadline to file your claim as part of the $92 million class action settlement against TikTok is March 1, 2022. Kiichiro Sato/AP Photo You didn’t think anything of posting that video on TikTok of you cooking up the famed feta pasta dish or showing off your best moves for the Sun Goes Down Challenge. Just having fun, right? Well, lawsuits against TikTok claim that the video-sharing social app collected “faceprints” from users without their consent.
‘What Kind of Lawyer Do I Need to Hire” is a Question We Can Answer Original
There are more than 1 million lawyers in the United States practicing dozens of specialties. Those specialties range from criminal law to family law, medical malpractice to personal injury law. Add intellectual property and estate planning lawyers into the mix and you have even more people focused on legal matters.
Here Are 9 Ways You Can Score a Great Apartment in a Hot Market
Creativa Images / Shutterstock.com Editor's Note: This story originally appeared on The Penny Hoarder. The blistering 2022 real estate market has extended to apartment shopping, and how to rent an apartment has now become a test of research and will. Oh, and also your credit score and employment history. Renting an apartment with all of the comforts and amenities you want, at a price you can afford, has become challenging, especially in the nation’s most popular urban areas.
Help! I’m Self-Employed and My Taxes Are a Mess!
In the not-so-distant past, the word “gig” was used only to describe the work environment for musicians and comedians who would travel from city to city for performances for one or two nights or perhaps a week at a time. But, thanks to the Internet and the changing work environment in the United States, an entirely new “gig economy’’ has been created. People who can work remotely are hired as independent contractors to perform specific duties.
Tinder Swipes Left on “Older” Users and Has to Pay For It. Claim Your Money Now.
As if the online dating game doesn’t make you feel bad enough. Imagine being 29+ (gasp!) and have America’s largest dating app treat you like you’re over the hill. So opposite of the “senior” discount, Tinder had been charging users in California who were 29 and older twice as much for certain subscriptions as younger users. An age discrimination suit was filed and Tinder agreed to a settlement in 2019. If you’re one of those Tinder old folks done wrong, you have until Feb.
Here Are 9 Ways You Can Score a Great Apartment in a Hot Market
Some of the links in this post are from our sponsors. We provide you with accurate, reliable information. Learn more about how we make money and select our advertising partners. The blistering 2022 real estate market has extended to apartment shopping and how to rent an apartment has now become a test of research and will. Oh, and also your credit score and employment history.
Ditch Your Old TV for These 14 Deals in Time for Football’s Biggest Game
There is one time of the year that TV retailers know you are going to be watching your television and are in the market for the best TV deals. Super Bowl Sunday — this year Feb. 13 — is the most official unofficial holiday on the calendar, and 100 million people watch that game annually. So it’s the perfect time to be looking for TV deals unless you’re one of the lucky people who’ve snagged a ticket to watch it in person.
Bank of America and Wells Fargo Dump Some — Not All — Overdraft Penalties
Bank of America is reducing overdraft fees from $35 to $10, joining other banks that have reduced or eliminated penalties since 2021. Steven Senne/AP Photo Bank of America and Wells Fargo have jumped on the bandwagon to eliminate overdraft penalties, though they aren’t riding all of the way yet.
Do I Really Need a Financial Advisor?
What is a financial advisor for? The answer is different for every person who needs to make key financial decisions and has the money to pay for an expert to help them with that task. According to Spectrem Group, 75 percent of millionaires with a net worth up to $25 million use a financial advisor, which means 25 percent do not. They likely have accountants, which is not the same thing. Otherwise, they make financial decisions on their own, including investment decisions.
In the Real Estate Game, ’22 Is Going to Look a Lot Like ’21
There have always been long-standing rules about real estate ownership, including the three most important ones: location, location, location. But the one constant about real estate investing is that nothing ever stays the same. Even the location rule, because preferred locations change from year to year, and certainly from generation to generation.
Hiring a Financial Advisor: What Is a Fiduciary, and Why Should You Care?
“Fiduciary” is a funny word. You may have never heard of it until now, but you may actually have had a fiduciary in your life. More importantly, you may wish you had a fiduciary in your life. Fiduciary is a term that applies to financial advisors. The definition states that a fiduciary always acts in the best interests of his or her clients — and ahead of their own interests.
Does Your Kid Even Need to Go to College?
Sending a child to college is an expensive proposition. Sending a second child to college while still paying for the first child’s tuition and fees and room and board is just piling on. In the time of Covid-19, quarantines and remote learning, paying to “send’’ a child to college when they actually don’t go anywhere seems foolish. Much of the appeal of going away to college is the “going away” part, the social growth that occurs by being on your own.
When Should You Take Social Security?
You don’t think look old enough yet but, in reality, the day is right around the corner when you can actually begin to take Social Security benefits. That day is when you turn 62. But that day is very likely that is not the day you want to alert Social Security that you are ready to receive funds designed as a continuing paycheck for retired Americans. You may not yet be ready to retire.
4 Ways to Get Health Coverage If You Retire Before 65
Lordn / Shutterstock.com Editor's Note: This story originally appeared on The Penny Hoarder. The old standby that people retire when they turn 65 years of age no longer holds true. For one reason or another, people are hanging up their work boots well before they reach the age when Medicare kicks in. What is the problem then? The problem is that you are too young to qualify for Medicare and you need insurance to cover your medical costs until you hit 65.
In Just Weeks You Could Be Bringing in $55K Without a College Degree
The U.S. government has pledged to spend $1 trillion to upgrade the infrastructure of the country, which will translate to 1 million jobs. The Infrastructure Investment and Jobs Act aims to repair or replace roads and bridges, expand broadband coverage and improve transportation and water safety. That is the promise of a lot of work. The reality is that trucking, construction, warehousing, energy and transportation jobs are available NOW, and contractors are having trouble fill them.
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