Argentina beats Italy 37-16 to finish winless run in fashion

TREVISO, Italy (AP) – Argentina defeated Italy 37-16 and emphatically finished their winless run on Saturday as …

TREVISO, Italy (dpa) – Argentina defeated Italy 37-16 and emphatically ended their winless run on Saturday, while the Azzurri streak continued.

Marcos Kremer, Juan Martin Gonzalez, Matías Moroni, Santiago Cordero and Facundo Bosch have tried to help Argentina end a streak of seven straight defeats, including a winless rugby championship.

Paolo Garbisi kept Italy in the game with solid kicks and Stephen Varney got his first international attempt, but the Azzurri’s miserable streak extended to 16 with a faulty performance.

Both teams longed for an overdue win. Argentina got close last weekend when they scared France in Paris before losing 29:20.

The Pumas scored in the ninth minute, seconds after Emiliano Boffelli sent a penalty off the post. Boffelli atoned for his missed shot by serving Kremer, who raced forward and jumped over the line near the post.

Boffelli had the simplest transformation.

Italy struggled and showed little of the serenity they showed against New Zealand last weekend as the Azzurri managed to keep the score at 21-9 before the All Blacks ran away in the final quarter and won 47-9.

The hosts missed another offside penalty and this time Boffelli did not miss from a central position.

Argentina were better at every area of ​​the pitch and Italy struggled to put every offensive together as they were beaten in every tackle.

Italy gave Argentina their second try in the 28th minute when Gonzalez stepped past the Azzurri defense and ran onto the ball to jump over it. Boffelli converted again and the Pumas led 17-0.

Italy finally scored points on the board eight minutes before half-time thanks to a Garbisi penalty.

Garbisi managed to score another penalty – which went off the post – with the final shot of half-time to help Italy reduce the gap to 11 points.

But Italy’s good job was undone right at the start of the second half when the ball hit an unmarked Moroni who went into the corner after a pathetic defense. Boffelli added the extras.

Italy eventually managed to get close to the Argentine line and got their first attempt at the fall internationals when Varney got the ball practically on the line from the back of a scrum, pretending to cheat before forcing it.

Garbisi converted and added another penalty after Azzurri prop master Marco Riccioni was carried away on a stretcher.

However, there was another attempt at Italy’s best phase of the game as a poorer defense let the ball get to Cordero, who sped to the right and flipped. This time, Boffelli missed.

Nicolas Sanchez also added a penalty for Argentina and his substitute colleague Bosch scored the Pumas’ fifth attempt seconds after losing control of the ball.

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Do warehouse golf equipment like Costco prevent cash in the long term?

This is just one of the stories in our “I’ve Always Wondered” series, in which we address all of your questions about the business world, no matter how big or small. Have you ever wondered if recycling is? It is worth it? Or how to store brands stack against Name brands? Check out more from the series here.

Listener Anne Prianti from Alpharetta, Georgia asked:

Do warehouse clubs (e.g. Costco, Sam’s, BJ’s) cost more than you save? I run a high school kitchen and when my monthly inventory is high (dollar terms) it has a negative impact on my finances. Wouldn’t buying and storing bulk items also have a negative impact on my household finances?

When Sarah Boling raised five children as a single mother, she recalls being unable to buy household goods in bulk because she didn’t have enough cash on hand.

That meant buying a four-pack of toilet paper for a few dollars, for example, compared to a 16-pack, which cost more but would last a lot longer.

“With all of these kids, you know, toilet paper, paper towels – it all goes through pretty quickly,” said Boling, who lives in Inverness, Florida. “So it would have helped if I could have bought large quantities.”

Now that she has a more stable salary and is married, she can shop in bulk at Sam’s Club, purchase household cleaning items and paper products, and long-life groceries such as condiments, in a two-income household at Sam’s Club. She said she saves hundreds every year.

Boling’s previous experience is reflected the “poverty penalty” – a phenomenon where low-income consumers actually pay more than rich people.

Low-income households typically buy smaller packages from cheaper brands. This undermines their efforts to save money as the unit price is loudly higher than that of items sold in bulk a 2016 working paper by Professor Yesim Orhun at the University of Michigan and Mike Palazzolo, a Ph.D. Student at that time.

Their data showed that low-income households, for example, pay 5.5% more per roll when buying toilet paper than if they had done their shopping like high-income households. These households buy in bulk and use sales more often. Not only do these less affluent households lack upfront cash, but they also don’t have the space to store extra items, so they can’t wait for the products to go on sale.

The study also showed they take advantage of volume discounts and sales when they have more liquidity.

“I was definitely aware that I was basically spending more money than I should have spent,” said Boling. “I’ve been pretty poor for most of my life, and I’ve been a single mother for a long time. So basically you have to get what is cheapest. “

Nicole Dow, Senior Writer at The penny hoarder who focuses on savings and budgeting strategies, said warehouse club shoppers can usually see price breakdowns that help them make smarter decisions.

“If you look in the store, you will find that the store actually gives the price per unit,” said Dow. “And you can use that for comparison. Because there are times when you find that the item you normally buy is better to buy as a stand-alone item rather than a bulk item. “

She also noted that while bulk foods tend to have a lower price per unit, you need to make sure you can consume them before the expiration date.

Borrowing from this point, Kara Grant, assistant professor of economics at Missouri Western State University, pointed out that the size of your family has an impact on how beneficial these businesses are in the long run. For example, buying items like fresh produce in bulk may not be the best option for smaller households.

For non-perishable items, Dow suggested sharing the cost with a roommate or friend.

Shopping at warehouse clubs like Costco, Sam’s, and BJ’s also require a membership fee between $ 55 and $ 120 per year depending on which tier you buy. However, Boling pointed out that warehouse club membership is another thing that low-income consumers typically can’t afford to buy in advance.

One tip from Dow is to find someone who has a membership, such as a neighbor, who can pick up an item for you. You could then refund them for this purchase.

“If you only shop once a month, or if you don’t really take advantage of that purchase, these stores may not be good business for you to shop for,” said Dow. “But you can still buy in bulk from your everyday grocery stores.”

Nancy Wong, a professor of consumer science at the University of Wisconsin-Madison, said she stopped shopping at Costco because she felt like she was losing money.

“I remember buying things like guacamole,” she said with a laugh. “I realized I could only dent the crowd. I threw the rest away in the end. ”

There are easily taken for granted lifestyle features that come with being able to shop in stores like this. For example, you need a car and a house with storage space to house these items, Wong said.

Costco is “clearly targeting a specific market segment,” she explained.

The typical Costco shopper is a 39 year old Asian American who earns more than $ 125,000 a year, according to data from the analysis company Numerator, which were made available to insiders. The big box retail chain draws a richer clientele than stores like Walmart – hence theirs luxurious offers.

Orhun of the University of Michigan said retailers could provide low-interest lines of credit or manufacturers could run promotions to cut the costs associated with the inability to purchase in bulk.

“There are ways to save money when you have money,” noted Boling. “And you can’t do that if you don’t have any money.”

Social Safety will run out of cash in 12 years. Listed below are methods it may be fastened

This is the year social insurance begins to pay off more than it brings in. Which could get very expensive for those of us who hope to one day retire.

The retirement program for retirees, their survivors, and the disabled built a trillion dollar reserve when the economy grew faster and retirees didn’t live as long. But with Employers hire fewer people and more workers retire, Social Security is selling their large stacks of government bonds to keep the checks up for a while.

Last Tuesday is the plan Trustee warned they assume that the money will be used up in 12 years. When this happens, the law requires Social Security to cut payments to retirees by about a quarter – forget about the cost of living increases – and survive on what it still collects from workers and their bosses.

For decades, a dwindling pool of workers has supported a growing number of baby boomer retirees. COVID-19 has exacerbated trends – decreasing the number of working people who pay into the system, while increasing the number of those who have left the workforce and started collecting from it.

All of this means that Congress and the President may have to do something painful – raise social security taxes or cut payments, raise the retirement age, or do all of these at once. What they have done in the past: particularly in 1983 when President Ronald Reagan joined the Democrats to raise contributions a bit and slowly raise the age for “normal” retirement to the current 67, making the system more solvent, at least until this generation of Washington politicians was certain to be dead.

Unfortunately, Reagan and Congress were overly optimistic about the future of the system. As social security historian Sylvester Schieber points out, the increase in income inequality has thrown an unexpected curve ball into the system as it exempts the ultra-rich from payments after their income exceeds the tax ceiling (currently $ 142,800). Removing the cap would produce a lot of money, but it hits the notion that Social Security checks should have a relationship with deposited money.

What should I do?

The trustees made many suggestions:

  • Reduction of the annual increases in social security. There are many suggestions for doing this that would affect different retirees in different ways.

  • Raising the normal retirement age from currently 67 to 69. Raising the early retirement age from 62 to 65 and increasing the number of years you need to be eligible. That would greatly relieve the system. But as the trustees report does not add, doing so would leave millions of people of the current retirement age in employment or reduce their income, which would lead to much more stress.

  • Increase wage taxes. Social Security already charges 12.4% of the gross wage of Americans, split between workers and bosses. At a more realistic 16%, the system would pay for itself by the next century, the trustees estimate.

And yes, that would be extremely expensive. Social Security would end up consuming about $ 1 for every $ 6 of gross employee wages. Up from currently 1 USD for 8 USD each.

Of course, smaller or later social security checks would also be terribly unpopular. Because of this, changes are made in silence over time.

Sens. Mitt Romney (R., Utah) and Joe Manchin (D., W.Va.) headed a bipartisan list of colleagues who in April called for a National Fix-it Expert Commission on Social Security, like the one who did the 1983, instead of debating what to do in Congress under the heat of the cameras and the threat of toxic party politics, changes what to do.

Isn’t 12 years a long way to go? Why the rush?

The longer we wait, the less money is left in the program. Wait until it goes broke and the cuts have to be much bigger, or the bailout much more expensive, or we have to repeat it very often. Another reason for the current situation, according to Schieber, a former chairman of the system’s advisory board, is that Congress used to often tinker with social security, only to lose its nerve after the fixes in the early 1980s.

Can’t we just borrow the money? That could be a way out. But the system is currently excluded from deficit financing. Changing this would destroy another of the leading and popular principles of the system – that it is a pay-as-you-go system, not welfare, but one in which people earn their payments.

Some senators – for example, the lame duck Pat Toomey (R., Pennsylvania) – are still warning that credit has a fiscal price. Sooner or later, you’ll pump so much money into the economy that prices skyrocket, slowing down new hires, making incomes less worthwhile, and putting pressure on more government aid. Indeed, in recent talks, for example with the York Rotarians last month, Toomey accused the Democrats of using borrowed money to fund increasing numbers of ways to make the middle class more dependent on government aid.

Of course, Social Security saw itself, Toomey in the same speech alongside other early 20th reforms, Sun Oil Co. head Joseph Pew even tried to convince professors at his family-funded Grove City College in Pennsylvania not to Participate in social security as it eased the natural moral pressures that forced people to work and save. (He was disappointed that only two economists agreed and rejected wage deductions.)

Some people would even benefit if social security contributions were cut. Winners in particular include large investment firms that could count on attracting more savings from the minority of workers who believe they can afford to provide substantial income for retirement.

But not all Conservatives opposed social security. Friedrich Hayek, a godfather of libertarianism, praised worker-funded pension and insurance plans in The Road to Serfdom – although he cautioned that attempts to socialize the costs beyond participants would arouse fierce opposition.

That, of course, is the problem Washington is facing today: Who pays our most expensive benefits – not just Social Security, but Medicare and highway spending, both of which also run out of long-term funding? Just the users, of whom so many have fewer left? Or all Americans, even the most successful? How can financing and expenditure be balanced and made fair?

This is the stuff we should expect from our candidates for the Federal Office and propose realistic solutions, many of which we will not like.

Mollie Tibbetts Memorial Run to help in elevating cash for Xavior Harrelson

Mollie Tibbetts Memorial Run to raise money for Xavior Harrelson

Updated: 9:40 p.m. CDT August 22, 2021

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Yes mm. Yes not shy and an extremely sociable laugh and just a lover of life. Very curious. Um. Yes sir. Yes, people told me that she was a wonderful mother figure to their friends, um, and I know that one day she was looking forward to it. Mmm. Yes, everyone thinks their daughter is extraordinary, and so am I, I think Molly is extraordinary. Uh huh Mali is one of the most caring people you will ever meet. He’s a great hardworking worker, it doesn’t matter, the situation is supposed to put itself in second place but not have to support anywhere else. Before that, Molly was a very happy person. She was always very educative and very supportive of everyone, she always wanted to make sure they were happy and smiling. Everyone has their own dancing talent, that’s one of the best things to be good at. Um. Mmm. Yes.

Mollie Tibbetts Memorial Run to raise money for Xavior Harrelson

Updated: 9:40 p.m. CDT August 22, 2021

An annual event honoring the life of Mollie Tibbetts will aid in yet another high-profile search in Poweshiek County. The fourth annual Mollie Tibbetts Memorial Run begins on September 26th at 8:30 a.m. in the parking lot of the BGM school. The 5-mile race raises funds in Tibbetts’ memory. This year, half of the funds will go to the University of Iowa’s Stead Children’s Hospital. The other half will help find 11-year-old Xavior Harrelson. Xavior disappeared from his Montezuma home in May. The money raised during the race will be donated to the Find Xavior Harrelson Fund, which has already raised $ 36,000.

An annual event in honor of the life of Mollie Tibbetts will help with another high profile search in Poweshiek County.

The fourth year Mollie Tibbetts Memorial Run The starting shot will be given on September 26th at 8:30 a.m. in the parking lot of the BGM school.

The 5-mile race raises funds in memory of Tibbetts. This year, half of the funds will go to the University of Iowa’s Stead Children’s Hospital.

The other half is used to find 11 year olds Xavior Harrelson.

Xavior disappeared from his Montezuma home in May.

The money raised during the race will be donated to the Find Xavior Harrelson Fund, which has already raised $ 36,000.

Native veteran will run 150 miles to boost cash, consciousness for suicide prevention

COLORADO SPRINGS – According to the Department of Veteran Affairs, 20 current or former service members die of suicide every day. Those with Mt. Carmel said the Department of Veteran Affairs had a higher rate of veteran suicide in Colorado than the national average.

Retired Army First Sergeant Timothy Gore lives in Colorado Springs and retired in 2005 after 20 years of service. During his service he helped counsel soldiers on mental health problems. “Actually, I had a person I thought I could help with, who I probably didn’t work well enough with, and he actually committed suicide. Life, that could still be here … It never goes away, you live everyone Day with that, you always question yourself, especially in a management position where I was, so to speak, responsible for advising this person a little more, if I had paid a little more attention, had listened a little more, had been a little more active, life would have been still been here. So, there is a void in this life and you feel that person with you, ”said Gore.

To raise awareness and raise funds for veteran suicide prevention, Gore will run 250 miles through the North Dakota Badlands as part of the Maah Daah Hey Buck-Fifty MTB Race on September 18. “Representative of the challenge veterans face when dealing with thoughts of suicide or wanting to go to counseling, PTSD whatever it is, right. Because it’s unsupported. There’s nobody out there to tell which path they’re going you have to find out. ” off, “said Gore.

Gore intends to raise $ 50,000 through the run, which will be donated to the Mt. Carmel Advisory Services. Gore used Mt. Carmel for his own mental health. “When you step into Mt. Carmel, you don’t get ignored … you really got it to the point, so we covered the sexual abuse and my time as a drill sergeant and my … time in battle … You know the truth is in there, that you are worthy of being of use to other people. They pull that out, “Gore said of the advisors on Mt. Carmel.

Those with Mt. Carmel said they see about 150 veterans a week for their counseling services but still have a waiting list. Gore hopes this fundraiser will provide the resources everyone needs to have access to care.

Gore said that not many people do this run because it is extremely difficult. “None of this is supposed to be easy, except that it should be easy to get advice,” said Gore.

If you would like to donate to the run, write 150 to 44321 or CLICK HERE.

‘Caregiver compensation’ for Utahns with disabilities, however the cash might run out

SALT LAKE CITY – An idea born out of the COVID-19 pandemic has helped hundreds of families with a loved one with a disability, but now funding threatens to run out.

The “care allowance”, which gives a family member a small amount of money to stay at home and care for someone, was funded by the state until the end of August. But it depends on the federal government granting a Medicaid waiver and approving the use of funds from the American Rescue Plan Act to maintain it beyond that.

It’s a blessing for families who use the money.

Lisa Thornton, whose daughter Kate Prader-Willi has syndrome, used the caregiver compensation to stay at home and take care of her. In the COVID-19 pandemic, Kate was unable to bring health workers home or go to any type of group home due to concerns about the spread of the virus. Kate needs 24-hour care, her mother said.

“Just having the continuity of care that I can be home and take care of her makes her happier, it made her calmer. Nobody knows her better than I do and so it was a great opportunity,” Lisa said in one Interview with FOX 13.

The Utah State Legislature created a “care allowance” when it passed law that allows spouses to receive money to care for their loved ones. The state gets a Medicaid exemption from the federal government.

But the Utah Department of Human Services has now expanded caregiver compensation to help fund siblings, parents, and other family caregivers.

“The origins really are in the pandemic. Parents had concerns about sending their families in groups or even having caregivers come in,” said Angie Pinna, executive director of the Utah Division of Services for People with Disabilities.

It’s not exactly what lawmakers intended, but Senator Wayne Harper, R-Taylorsville, said he was okay with his bill being expanded to cover this. After using it successfully in this way, he wants to expand it permanently.

“It has been used very, very well and appropriately,” he said.

In order to expand it permanently, the state would have to raise up to 60 million dollars. You can get a Medicaid exemption in exchange for dollars equivalent, Senator Harper said, but they are waiting.

At the moment, caregiver compensation has cost the state approximately $ 22 million. There are 442 families in the program, each receiving approximately $ 2,372 per month in compensation for approximately 26 hours per week.

Senator Harper said that without the Medicaid waiver and permanent enlargement legislation, some Utah families could be cut off. He plans laws to expand the program but may have to start small and not cover all of them right away.

“Overall, the feedback we have received from the families we use has been very positive,” Pinna told FOX 13.

Lisa Thornton said she urged people to turn to their lawmakers to support the program.

“These kids are so tough. We can’t do it alone,” she said. “We need help and we don’t want to put her in an institution. It would cost the state hundreds of thousands more to have Kate in an institution than to keep her at home.”

Anytime Health to host 5k run to boost cash for autistic weightlifter

Corey Shelton is obsessed with lifting weights.

Shelton is the unofficial world record holder for disabled men 2 in the 220-pound weight class of the World Bencher and Deadlift Association (WABDL) and has spent most of his life lifting heavy things.

In 2016, he benched 337 pounds during a competition in Jonesboro. A full pound over the world record.

Although the feat was captured on film, the weightlifting organization, which had not prepared for world record attempts, could not officially attribute the record to Shelton.

Today the 5’8 ” weightlifter tips the scales at 385 pounds with ease. He plans to put £ 400 in the bank by the end of the year.

“The world record in the Special Olympics is, I think, 390 or 395,” Shelton said. “My goal is to get 400 by next month. I gained 385 pounds again last week. “

The 26-year-old stands in Anytime Fitness in Mountain Home, his new gym, after taking time off to recover from thyroid problems and injuries sustained in a 2017 truck accident that tore his biceps and his ribs were broken.

He tore a chest muscle while lifting in 2018.

Shelton has been training in the gym twice a week with the help of Bryan Shriver, club manager for Anytime Fitness, and Malina Calloway, member experience manager for the gym. Ricky Rodeo, a professional wrestler from Tennessee, helps Shelton keep his diet going.

Corey Shelton Bench Press 375 pounds.  Shelton is currently trying to compete in the United State Powerlifting Association.

“I love to eat. Of course, as you can see,” Shelton said. “I wouldn’t have got a weigh-in without him. I literally lost 10 pounds in less than 24 hours.”

Shelton is from Cherokee Village and was diagnosed with autism as a child.

Shelton grew up on a farm at a young age and began lifting when she was nine. At 14, Shelton said he started taking weightlifting seriously.

“It’s kind of an addiction. It’s hard to explain, ”Shelton said.

Shelton and his fiancée Jamie Woods currently live with their family at home. The couple are trying to save money in order to get their own apartment.

Shelton works part-time at Truckees Canoe and Cabin Rental while also working on his YouTube channel with his fiancée, who is editing his videos.

Shelton said his personal life had been difficult – his family insisted that he give up weightlifting, calling it a “waste of time”.

“They told us to stop now,” Shelton said. “That it was a waste of time. I have not lost any events. I broke several state records. I mean, I’ve even qualified for the World Cup several times. “

In addition to problems at home, Shelton was diagnosed with hypothyroidism in 2016.

Hypothyroidism is a condition in which the thyroid gland does not make enough thyroxine, a hormone made by the thyroid gland. The condition can lead to joint pain, muscle weakness, and difficulty thinking, which makes lifting weights difficult for Shelton.

Worse still, the drug Shelton uses to treat his symptoms, Synthroid, is banned by the WABDL, forcing Shelton to switch to the United States Powerlifting Association (USPA) to continue his weightlifting career.

“Once you take the medication, you can’t stop taking it,” Shelton said. “If a person gets off this, it can get them pretty confused.”

Fortunately, Shriver, a former chef that Calloway recruited to work at the gym, is there to help Shelton with any problems his condition could be causing.

Like Shelton, Shriver is a powerlifter who also has hypothyroidism.

“I got into it pretty hard because I was around a lot with Corey,” said Shriver.

Calloway and Shriver are currently raising funds for an upcoming USPA World Cup in Russia at the end of next year.

The gym that helps Shelton with his diet is hosting the Anytime Fitness Autism Awareness Color Run Summer Bash at Mountain Home High School’s Bomber Stadium this Saturday from 10 a.m. to 4 p.m.

“There’s a three-mile run and then just a community event,” said Calloway. “We will have free food for everyone. Tips are of course welcome. We’ll be collecting tips for Corey from anyone who wants to do this. “

The gym will also be handing out t-shirts and running a silent auction to raise money for Shelton.

Calloway said Bomb Nutrition will sell iced tea at the 5K run. Game Portal and Nature’s Way would also be participating in the event as sponsors.

Malinda Calloway (far left), Jamie Woods (left), Corey Shelton (center) and Bryan Shriver (right) pose for a picture at Anytime Fitness.  The gym will host a 3-mile run and community even at Mountain Home High School's Bomber Stadium on Saturday at 10:00 a.m.

“We shoot baseball for about $ 3,500,” said Calloway. “So far, we’re probably around $ 1,000, minus all costs and everything.”

While the money was originally intended for another World Association of Benchers and Deadlifters event, the money will now be used for entry, plane ticket and hotel room for Shelton during the United States Powerlifting Association championship in Russia.

Whatever money is left over is used to find new shelter and food for Shelton and his fiancée that he needs to keep up his diet.

“Training is only 20% of the work,” Shelton said. “Yes, 80% is your diet. A body is like a car. If you put in bad fuel or if you don’t put enough fuel in, you will get poor performance. “

What to Do if You Usually Run Out of Cash Earlier than Your Paycheck Comes

Did you run out of money before your next paycheck? If you do, you are not alone. Millions of Americans struggle to keep their money safe between paydays.

Unfortunately, this can lead to a variety of problems. Not only is it stressful to know that you have no money in your home Bank account when you need it, but you could also find yourself forced to take out credit if urgent expenses arise before your paycheck is cleared.

The good news is that there are a few steps that can help you escape this difficult situation so that you don’t have to wait for your next deposit with an empty bank account. Well, these won’t necessarily work for everyone because there are people whose wages are really too low to even come close to making a living on. But these tips could help in many situations.

Here is what they are.

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1. Make and live on a budget

If you run out of money between paychecks, it’s a good idea to budget every dollar to see where your money is going. Start by tracking your spending to identify potential cuts – then try building a budget with reasonable spending cuts to make sure your spending stays within your income.

If you find that your income does not cover all of your essentials, a budget alone will not solve your problem. But at least it helps you realize how big your deficit is so that you can make other changes.

However, if you are lucky you will find that it is possible to cut your expenses in a few key areas and end up with enough cash to cover your bills. If that’s the case, stick with yours budget makes sure that your money lasts. You can work with an Accountability Buddy to help you with this, or try techniques like putting the money you budgeted into an envelope for each spending category and not spending on that category once the money in the envelope is used up.

2. Reduce your fixed costs

It is really hard for a lot of people to cut enough of their budget to stay within their income – and this can mean taking all of the fun out of your budget.

The reality is, if you budget $ 0 for entertainment, dining, or clothing, you are just getting ready to not hit your budget. You have to be reasonable about what you can live with for the long term, including some fun.

However, there is an easier way to slash your budget than cutting down on all of your discretionary spending. You can do this by reducing your fixed costs. Chances are your rent or mortgage, car payment, and some other fixed expenses are your biggest monthly bills. If you can find a way to bring any of these down, all you have to do is make one big change instead of giving up all of your habits.

This could mean buying a cheaper car, moving to a cheaper place, or getting a roommate. Yes, all of these things would take a great deal of adjustment. But once you’ve moved or swapped your vehicle, you just have to stick with the status quo and you would probably get used to it quickly (especially if you’re enjoying the extra money you’ve freed up).

3. Look at government benefits

If your income is the problem and not your expenses, there are some government benefits available to you, such as:

  • SNAP benefits
  • Temporary help for families in need
  • Medicaid
  • State, county or local programs in your area

If you qualify for these or other government programs, they can make a world of difference as you make your money by payday.

4. Take up a sideline

Increasing your income will also make it easier for you to make sure you don’t run out of money too quickly – especially if you are not eligible for government benefits.

There are a large number of Part-time jobs available, many of which can be done on your schedule in your spare time. Even a few hours of overtime a month can give you the freedom you need.

5. Avoid borrowing borrowings

Finally, if you are already struggling to make your money, do all you can to avoid borrowing money for anything. And if you have already taken out credit, do whatever you can to repay your current debt as quickly as possible, even if it means great sacrifices.

When money is already tight, the last thing you need to do is to get a good chunk of your hard-earned cash. send Credit card company or other lenders. The interest you accumulate on these accounts only makes the purchases more expensive. And when you schedule your future paychecks for monthly payments, it becomes even harder to get the money off.

Hopefully, by living on a limited budget, getting government benefits, cutting expenses, and looking for side jobs, you can find a way to get things going without resorting to credit – and you’ll be much better off financially Efforts.

13-year-old ATV rider provides professionals a run for his or her cash

FLEMING, Ohio. (WTAP) –

Jaden Cox describes himself as confident and funny. She started driving at the age of four to five after her father bought her a 90cc ATV.

If you go to one of Jaden’s races, you will likely see her right up front. While she’s not in high school, she’s been racing adults and professionals in her forties.

When you ask her what she’s thinking on the line, it’s one of the first things that pops into her mind.

“Take off all the men and go ahead,” said Cox.

According to Jaden’s father, George Cox, Jaden has a part-time job making money to share the cost of tournament fees, equipment, and ATV parts with her father. She also pays to fill the gas tank.

“It helps me learn how to use money and how to finance myself,” she said.

Cox says she wants her race to give younger girls someone to look up to, and hopes that one day she can be. She says racing gives her a lot of confidence and it has become a huge part of her life. Jaden hopes to continue racing in the future.

Copyright 2021 WTAP. All rights reserved.

Will COVID Trigger Social Safety To Run Out Of Cash Quicker?

Does COVID threaten your social security benefits?

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Social security is a program that you can pay into your entire working life. The prospect that this valuable source of income for retirement will no longer exist after leaving the job market is alarming to many Americans. As it stands now, it is not a question of “whether social security will run out of money”, but when. As the end of the COVID economy begins, you might be wondering if the coronavirus will accelerate the decline of social security?

According to the most recent eighth annual consumer survey on social security From Nationwide, 71% of Americans fear Social Security will run out of money in their lifetime. At the same time, 19% of respondents said the coronavirus pandemic would likely change if they chose to get social security benefits. I’m going to get on my nerves and guess that some of the 29% of people (apparently) who don’t worry about Social Security running out of money fall into one or more of the following categories:

1) Have a different state pension (think congressmen and senators)

2) Are so rich it doesn’t matter (think of multimillionaires and billionaires)

3) You have already started social benefits.

While the boom in real estate transactions and soaring stock markets have been reasons for optimism, the coronavirus has led to a more pessimistic outlook on things like social security. According to the survey, 59% of Americans are more concerned about their Social Security running out of money today than they were before the pandemic.

Interestingly, more people plan to apply for social security later (11%) than before (9%). Waiting for the social security application will increase your monthly benefits. This delay can also help increase your financial security later in life.

Annually, the social security trustees prepare a report on the expected long-term solvency of the social security program. The report has not yet been released in 2021, after the darkest days of the Covid pandemic. (I am optimistic that the worst days of the pandemic are behind us, at least in the vaccinated parts of America). So you know that the 2020 Social Security Report estimates that the combined reserves of the various social security programs (Pension, Survivor and Disability) would be depleted in 2035 if no changes were made to tax benefits.

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The pandemic was a wake-up call for many Americans to reassess their finances and retirement plans, including how social security fits into those plans. More than two thirds of those questioned in the nationwide survey stated that it is more important than ever today optimize their social security benefits.

It appears that the financial advisory community is not adequately advising its clients on the best strategies for making social security claims. As a fiduciary financial planner, I believe the Social Security Guide should be a part of any retirement plan. The majority of Nationwide respondents said they did not get advice from their financial experts. (Shame on you). In addition, two-thirds of respondents said they would likely switch from their current financial advisor to another financial professional who could help them make the right decisions about social security claims.

The Golden Girls may have gotten by on a steady income, but you will likely have a hard time keeping it … [+] Your standard of living in retirement from social security alone

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Can you live on social security alone?

Social security does not replace anything near your early retirement income. Most Americans will find it difficult to make a living on just social security. If you are amazingly thrifty and have paid off your mortgage, then you may be able to do so. The average social security check is only $ 1,543 per month in 2021. To be fair, a couple each receiving this amount could be fine in many parts of the country if they are both alive and receiving social security benefits as a result.

Maximum social security

The The maximum Social Security check in 2021 is $ 3,895provided you are receiving benefits at the age of 70. While this corresponds to a reasonable retirement income, it is far from a substitute for the income required to receive the maximum social security benefit. They would have needed around $ 140,000 (or more) in current salary to get the maximum benefit from Social Security.

Do your finances a favor and develop a plan for when to apply for welfare. Work with your financial advisor to determine the best time to get services. If they can’t provide you with the advice you need, it may be time to step up to become a financial planner who can help you maximize your social security benefits.

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