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If you miss your initial enrollment period for Medicare Part B there is a 10% increase in premiums for each full 12-month period that you could have been on Part B. This penalty continues every year you have Part B coverage.
Being your own boss can offer tremendous emotional and financial rewards along with greater control and freedom. However, starting a business is risky and requires long hours and a lot of hard work.
Improving your ability to increase earnings can have a dramatic impact on your financial security and deserves as much focus as managing your portfolio.
Even if you’ve been unable to save much in the past, with about 15 years to retirement this is your opportunity to make up for lost time.
To start understanding what is needed for retirement, develop a budget based on your current expenses. Adjust your budget for expenses that will change in retirement.
To qualify for an HSA you must have a high deductible health insurance plan (HDHP) and you cannot have other health coverage.