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VIEWPOINT: Revolutionizing Long-Term Care at Home Pharmacy Services
An aging patient, living alone and confused by the complex regimen of medications she must take, gets help from a pharmacist. Another patient, unhappy with the results he is getting from his prescriptions, has a visit with an in-home pharmacist for help with medication-therapy management. Both patients (and many more like them) are benefitting from […]
VIEWPOINT: Navigating the 2025 Tax Cut and Jobs Act Expiration
What you need to know from a financial advisor Each year, a new legislative cycle brings potential changes to the tax landscape that every individual, family, and business owner should be aware of. One major factor to look out for in 2025 is the expiration of key provisions included in the Tax Cuts and Jobs
Ask Rusty: Did We Make a Mistake Starting My Wife’s SS now?
Dear Rusty: I hope we haven’t made a mistake. My wife just applied for her Social Security (SS) benefit. She was born in May 1962, and the estimated amount of her benefit is $1,280 per month. Her work income last year was $5,616; however, mine was about $65,000. I do not plan on taking my
Ask Rusty: Should I Wait until Age 70 to Claim Social Security?
Dear Rusty: I am a married woman, at my full retirement age (FRA), and the primary earner in my marriage. How do I know if I should take my Social Security (SS) now or wait until age 70? I will lose quite a bit if I take it now. How will it affect my taxes
VIEWPOINT: How to Stay Safe from Fraudsters During Tax Season
Tax season is here and with it comes increased security risks for payers. For most of us, tax season is already enough of a hassle without having to worry about falling victim to fraud. Unfortunately, fraudsters are always on the prowl and tax season provides the perfect opportunity to exploit taxpayers, especially when it comes
Ask Rusty: Can I Get Extra SS for my Military Service?
Dear Rusty: Please help. I served from 1964-1966 in the US Army. I have been trying to contact the Social Security Administration (SSA) to request extra benefits for veterans. The telephone is a recording, and you never get to speak to anyone. The web site (www.ssa.gov) is useless to me. I went to the Social
VIEWPOINT: Trump Signs Executive Order, “Keeping Men Out of Women’s Sports”
On Feb. 5, President Donald J. Trump signed an executive order, “Keeping Men Out of Women’s Sports.” The executive order states that “[i]n recent years, many educational institutions and athletic associations have allowed men to compete in women’s sports,” a situation that the order states has denied women and girls equal athletic opportunity. The executive
Ask Rusty: About Claiming Social Security when I have an HSA
Dear Rusty: I have reached my full retirement age (FRA) (66 years, plus 8 months) and plan to apply for Social Security (SS) this month. However, I’ve seen articles which say that when I apply, I must also take Medicare Part A. This, even though I am continuing to work and am covered by my
VIEWPOINT: The Frequency of Pay Split Among Courts May Be Remedied by a Legislative Fix
Under New York Labor Law Section 191, individuals who fall under the broad definition of “manual worker” must receive their wages weekly. There is currently a split among the courts as to whether manual workers have a private right of action to recover liquidated damages for untimely payments. In Vega v. CM & Associates Construction
Ask Rusty: Clarification of Medicare IRMAA and MAGI
Dear Rusty: I am confused by an article in my local newspaper which said that MAGI (modified adjusted gross income), on which my Medicare Part B premium is based, is my adjusted gross income (AGI), plus any non-taxable interest, plus 50 percent of the Social Security I received. The part that is confusing is the
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