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SCOTT BURNSTeachers’ pension math is way off - The Dallas Morning News. First in a three-part series he But 5.2% looks pretty grand when you compare it with the state’s second-largest public pension plan.

SCOTT BURNSTeachers’ pension math is way off - The Dallas Morning News

The Employees Retirement System of Texas pension clocked in with a dismal 3%. That superiority wasn’t a one-shot deal, either. The TRS pension fund also beat the ERS pension returns over the trailing three- and 10-year periods. How about the other state and local pension plans in Texas? But measured against the other plans whose fiscal years close Aug. 31, the TRS tromps the competition in all three time periods. So Texas teachers should be happy and proud, right? Best Use for 1040-SR Tax Form for Seniors. Getty Images En español | The Internal Revenue Service's new “U.S.

Best Use for 1040-SR Tax Form for Seniors

Tax Return for Seniors” could make filing season a bit less taxing for some older taxpayers — provided you qualify to use it. If you or your spouse were born before Jan. 2, 1955, you may be able to use Form 1040-SR instead of the more complicated Form 1040. (Note: You don't have to be retired to file the 1040-SR.) Both forms use the same “building block” approach introduced last year that can be supplemented with additional schedules as needed. The senior tax return form generally follows the familiar 1040, albeit with slightly larger type for older eyes. 2021 TRS-Care Medicare Advantage Vendor Transition. General HTML Content 1 The Pulse, February 2020 Beginning Jan. 1, 2021, UnitedHealthcare (UHC) will serve TRS-Care Medicare Advantage participants.

2021 TRS-Care Medicare Advantage Vendor Transition

At its Feb. 21, 2020 meeting, the TRS board awarded a new contract for the medical plan administrator of TRS-Care Medicare Advantage, the plan for retired public-school employees and their families who are over 65 or disabled. TRS strives to maximize the value of every health care dollar and this includes competitively bidding our contracts to ensure you and your family receive the highest value health benefits.

UHC’s financial offer will save the program $314 million over five years. What Factors Contribute to this Decision? UHC will bring a broad network of providers for the Medicare population, giving retirees a wider choice when choosing doctors to manage their care. The Arcane Laws that Cost Retired Educators Millions. More than a dozen NEA-Retired leaders traveled to the U.S.

The Arcane Laws that Cost Retired Educators Millions

Capitol in early May to lobby for repeal of the two laws, GPO and WEP, that unfairly penalize public employees in more than two dozen states. When California teacher Alen Ritchie retired in 2001, after 40 years in the classroom, he walked into his local Social Security Administration office and said, “I’m a teacher. WEP.10.2019 1. 14 Service Providers Most Likely to Lower Your Bill If You Ask. Feeling sticker shock every time a phone, cable or internet bill arrives?

14 Service Providers Most Likely to Lower Your Bill If You Ask

Depending on which company provides the service, lower rates may be just a phone call away. LendEDU recently analyzed data from Truebill, a personal finance tracker, budget planner and bill reminder app that helps people manage their subscriptions, to determine which service providers are most likely to drop their prices if asked. The bad news is that if you use T-Mobile, you’re unlikely to get a price break. T-Mobile customers had a 10% to 19% success rate when trying to negotiate down their bills. LendEDU says that’s “far and away the lowest success rate” of the 17 service providers included in the analysis. The Top 50 Tips on How to Save Money in 2019. When Do You Need to See a Geriatric Specialist? En español | If you’re in your 60s or 70s, you may have wondered if you should start seeing a geriatrician instead of, or in addition to, your primary care provider.

When Do You Need to See a Geriatric Specialist?

These are family doctors or internists with special training in the health needs of older adults. About 30 percent of people over age 65 need one, according to the American Geriatrics Society. 8 Things Retirees Can Get for Next to Nothing. I Never Thought I Wanted To Live In A Granny Pod Until I Saw These Photos – Dusty Old Thing. This story originally appeared at American Web Media.

I Never Thought I Wanted To Live In A Granny Pod Until I Saw These Photos – Dusty Old Thing

5 Major Scams That Can Wreck Your Retirement. When Do You Need to See a Geriatric Specialist? Hearing Aid Advantages: 6 Reasons to Try Them. My wife has been asking me to get my hearing checked for the past 10 years.

Hearing Aid Advantages: 6 Reasons to Try Them

I understand her frustration; I fail to respond to her voice a few times each day — and no, I’m not talking about the selective hearing of a long-married husband. I have tinnitus, a perpetual ringing in the ears that, in my case, sounds like cicadas and crickets during an August twilight. It's not soothing, but irritating and constant, diminishing my hearing and distracting my thinking. In recent years, the problem grew worse; it became almost impossible to grasp conversations in a crowded room or noisy situation, no matter how close I stood to the speaker. Aging at Home is Easier Thanks to Technology. Just a few years ago, older Americans who could no longer drive and needed some assistance with meals and everyday living had to move to an assisted living facility or live with a family member.

Aging at Home is Easier Thanks to Technology

Now, thanks to smartphones, apps and other technologies, being an involved and connected long-distance caregiver for an older parent is easier than ever. Aging at Home is Easier Thanks to Technology. Ask Stacy: How Can I Fight My Property Taxes? Social Isolation: Symptoms, Prevention, Treatments. To evaluate whether someone is socially isolated and, if so, provide resources to combat it, AARP Foundation joined with the Gerontological Society of America, Give an Hour, the National Association of Area Agencies on Aging, and UnitedHealth Group to create connect2affect.

Social Isolation: Symptoms, Prevention, Treatments

This online tool provides 12 "yes" or "no" questions to determine if a person is at high, medium or low risk for isolation. Questions deal with issues such as how much contact the person has with others each week; whether they have access to transportation; and how much companionship they have. New No Talking Phone Scams to Beware Of. Most telephone scammers rely on talk, getting you to pick up the phone so they can give their impersonations of IRS agents, noble fundraisers, tech-support saviors or grandkids in need. But with a new breed of telephone fraudsters, sometimes you don’t even need to say "Hello" to get ripped off.

Here’s how some of these crooks may target you. Call Center Fraud There are scam artists who spend hours calling the customer service centers of banks, insurance companies and other institutions, posing as people like you, to try to access accounts. 22 Health Care Services You Get Free With Medicare. 5 Ways to Avoid Paying Taxes on Your Social Security Benefits.

5 Ways to Avoid Paying Taxes on Your Social Security Benefits. Do It Now: 8 Essential Documents for Estate Planning. 19 Discounts Seniors Didn’t Know They Could Get – Life'd. There are many special discounts that are available to seniors. Retirees are offered discounts at most retailers, restaurants, parks, on public transport and at hotels. But you won’t get these discounts unless YOU ASK for them. Simply ask the question, “Do you offer a senior discount?” Social Security Mailbox: The IRS and Social Security. Q. That's kind of complicated. Can you give an example? A. Here's an example for how combined income worked out for a married couple named Tom and Carole. For 2015, their joint tax return listed $20,000 in adjusted gross income and $100 in nontaxable interest. Getting Public Workers the Retirement Income They Need. There are nearly 20 million public-sector workers across America, and providing for their future retirement security grows more complex with each budget cycle.

States and municipalities want to do right by employees who have devoted their careers to public service, yet they also must contend with rising health-care costs, other public investment needs and the concerns of taxpayers. The right approach to public-sector pensions should give workers the sustainable retirement income they've come to expect while giving governments and taxpayers greater cost certainty. Watch This — The Risks of Social Security Cards Explained. Fast Facts & Figures About Social Security, 2015 - Contents. TEEN: OLD PEOPLE DESTROYED THIS COUNTRY! LADY’S RESPONSE IS EPIC. Three States that Abandoned Their Pensions- And Suffered the Consequences - National Public Pension Coalition. We all know that pensions provide a safe and secure retirement for public employees in a cost-effective way. In many states, though, anti-pension ideologues and politicians try to sell pension “reform” as a way to save money for the state.

However, the example of states that have actually switched from a defined benefit pension plan to a defined contribution (401k-style) system shows that these “reforms” are simply snake oil sold by hucksters. Alaska, Michigan, and West Virginia demonstrate the failure of switching to a defined contribution system to provide retirement security for public employees. Recently, the National Institute on Retirement Security released a report in which they examined the consequences for these three states. McELHANEY, DOROTHY - Richmond Times-Dispatch: Obituaries & In Memoriam. McELHANEY. 65+ Senior Discounts for Older (and Wiser) Folks.