But since you can currently earn $14,640 a year without losing any Social Security benefits if you’re a beneficiary under full retirement age—and $38,880 a year without any loss of benefits when you reach full retirement age

If you can’t afford to pay for it now, you simply can’t afford it.

Letter of instructions This is an informal document you write yourself and can freely change at any time; no attorney or pay-as-you-go website is necessary. It isn’t meant to replace a will. In fact, your will supersedes this letter. You can make multiple copies of this document, but just make sure that your loved ones know where to find a copy

the importance of consistently living below your means throughout your life cannot be overstated.

by “selfish employment” I mean creating a part-time employment opportunity simply for one person, yourself. And the good news is, if you do, you’re a shoe-in for “Employee of the Month” twelve times a year! You and your skills and services are the primary product you’re marketing. Ideally it will be a venture that requires little if any investment

Here are some other popular websites that can help you find rewarding volunteer opportunities in your community: www.volunteermatch.org www.serve.gov www.dosomething.org www.volunteer.gov www.1-800-volunteer.org www.networkforgood.org www.smartvolunteer.org and www.createthegood.org (a nationwide clearinghouse of volunteer opportunities cosponsored

Time to Capture Missed Savings Opportunities

House sitter

You can search for volunteer opportunities at nearly four hundred national parks and find application materials and other information at www.​nps.​gov (click on “Get Involved”). Check with state parks directly concerning volunteer programs they may offer.