Home » Archives for The Admiral Staff » Page 32
August 14, 2025
By
The Admiral Staff
The article discusses the growing trend of “phased retirement,” where individuals gradually transition from full-time work to retirement. Driven by factors like longer lifespans and changes to Social Security, this arrangement allows employees to reduce their hours, switch roles, or work remotely while still contributing and earning income. While 68% of workers over 50 desire this gradual approach, only 36% of employers currently offer it. The article highlights Emory University’s phased retirement program as an example
August 13, 2025
By
The Admiral Staff
This article details a strategy for maximizing savings at CVS by leveraging their ExtraCare Rewards program and sales. Key tactics include avoiding shopping when desperate, being flexible with brands, strategically using ExtraCare Bucks (ECBs), scanning your card before and after purchases to receive coupons and 2% back, registering for additional ECB offers (like the Beauty Club and Pharmacy Rewards), adding your email for extra coupons, and sticking to a pre-planned shopping list to avoid impulse buys. The author achieved a 97
August 13, 2025
By
The Admiral Staff
The article warns of the rise of charity scams, capitalizing on people’s desire to help those in need, especially during the holiday season and after disasters. It provides advice on how to identify these scams, including utilizing resources like the Better Business Bureau (Give.org) and Charity Watch to vet organizations. Be wary of unsolicited texts or calls, crowdfunding campaigns lacking detail or using suspicious images, and counterfeit charities mimicking well-known names. The key takeaway is to be cautious and verify the legitimacy of any
August 13, 2025
By
The Admiral Staff
Medicaid programs in all 50 states and D.C. allow individuals to pay family members, friends, or other loved ones to provide care at home, often as a more cost-effective alternative to nursing home placement. These programs vary in name and specifics, including options like Home and Community Based Services Waivers, Self-Directed Personal Assistance Services, and Community First Choice. Payments to caregivers depend on the level of care needed, state averages for home health aides, and program guidelines.
August 12, 2025
By
The Admiral Staff
A reader with $25,000 in debt, including medical bills, collection accounts, and a repossessed car, seeks advice on improving their credit score. The expert advises that paying off collection debts won’t negatively impact credit scores under current scoring models (FICO and VantageScore) and may even improve them. If updates aren’t reflected in credit reports, disputing the information with credit bureaus is recommended. Additionally, sending a “goodwill letter” to collectors requesting deletion is
