Updates from Organizations - Government agencies - Advertise Various Artists

 

 4 Ways To Plan For Rising

Healthcare Costs In Retirement

 

What keeps you up at night? For millions of Americans, it’s the question of how they will fund their healthcare expenses in retirement.

 

A survey from Franklin Templeton Investments about retirement costs found that Americans are most concerned about how they’ll cover medical and pharmaceuticals bills. Those fears are well-founded, given the high costs of nursing homes, assisted living, hospitalization and prescription drugs.

 

Even a healthy retirement could have a hefty price tag; an analysis from Fidelity Investments estimated that a healthy 65-year-old couple retiring this year will need $280,000 to cover their health costs in retirement.

 

“Knowing your options and planning financially for them well ahead of retirement is  crucial,” says Eric Kearney  (www.erickearneyadvisor.com), an investment advisor for Retirement Wealth.

 

“With proper planning, healthcare costs in retirement are within the means of average and wealthy Americans, provided they are able to afford a Medicare supplement policy.

 

“But you have to understand how the Medicare system works and what you can expect to pay in out-of-pocket costs throughout your retirement. You must budget for them. For retirees who have enjoyed strong employer health benefits and are unprepared for retirement, the out-of-pocket cost difference can cause an uptick in blood pressure.”

 

Kearney explains the costs and coverages of different parts of Medicare:

• Medicare Part A. Part A was the original Medicare, covering hospitalization. There are no monthly premiums, although a $1,340 deductible applies as of this year. “After 60 days of hospitalization, the patient becomes responsible for a $335/day coinsurance,” Kearney says. “After 90 days, the coinsurance goes to $670/day. After 60 more days, the patient’s coverage runs out.”
• Medicare Part B. The optional Part B covers doctor and treatment costs. “Premiums average $134 per month and patients are responsible for 20 percent coinsurance,” Kearney says. “And with a 20-percent Part B coinsurance, many seniors can expect to pay several thousand dollars or more out of pocket each year. If you have long-term conditions requiring extensive care, it is easy to see how Part A and Part B out-of-pocket costs can eat away even a large nest egg.”
• Medicare Parts C and D. Part C, also called the Medicare Advantage plan, is run by private companies and requires a larger premium. “It provides more coverage options such as vision, dental, pharmaceutical, and wellness programs,” Kearney says. “Part D covers prescription drugs, and the older we get, the more likely we are to need them.”

• Medicare Supplement Policy. “Without this, the assets you worked all your life to accumulate could disappear,” Kearney says. “Since a long-term hospital stay or chronic illness could send your medical bills into the five or even six figures, you stand to lose some or all of your assets if you do not protect them with a Medicare supplemental policy.” Also known as Medigap policies, these are offered by private insurance companies to supplement expenses that Medicare Parts A and B do not typically cover.

“If a stress-free, comfortable retirement is your goal,” Kearney says, “you need to prepare for healthcare expenses, and it’s never too early to start.”

About Eric Kearney

Eric Kearney (www.erickearneyadvisor.com) of Retirement Wealth, with Florida offices in Cape Coral, Punta Gorda and Bonita Springs, has been helping clients reach and maintain their financial goals for more than 16 years. Eric co-authored a book with Forbes Media Chairman/Editor-in-Chief Steve Forbes, Successonomics. His professional licenses include a Series 65, Series 7 Securities License and a Life and Health Insurance License. He teaches successful pre- and post-retirees a wealth management course titled “Rejuvenate Your Retirement” at Florida SouthWestern State College and Florida Gulf Coast University.

 =========================

Crossfaith

Announce New Album

EX_MACHINA

Out August 3rd, 2018 via UNFD

 

Pre-Order Now at: unfd.lnk.to/ex_machina

 

Recently Featured on Metal Injection

June 14, 2018 - Osaka, JAPAN - Japanese metal juggernauts Crossfaith are thrilled to announce their forthcoming album, EX_MACHINA. The album, which features lead single "The Perfect Nightmare" as well as cameos from Enter Shikari frontman Rou Reynolds and industrial hip hoppers Ho99o9, will be released on August 3rd, 2018 via UNFD, and is available for pre-order at: unfd.lnk.to/ex_machina.

 

On EX_MACHINA, singer Kenta 'Ken' Koie explains: "After we released our last album XENO, we were thinking about what the next theme is for us. We decided on "Awake the individuality," because we're always trying to make new things and that's a big part of the band's attitude.

 

This album is a grave warning for our future, I hope you guys listen to this and think about what the meaning of this album is for you and feel how you feel through this album and start something for your future."

 

EX_MACHINA, the forthcoming album from Crossfaith, is a concept album set in an alternative near future in which the ruling class, known as Angels, maintain their world through artificial intelligence and other technology, which dehumanises people and effectively turns them into drones - as explained in the opening title track, "Deus Ex Machina."

 

The other 12 songs featured on the album represent the voice of the resistance - in the form of underdogs known as Demons. Kenta was inspired to include these figures by Devilman Crybaby, particularly on the Slipknot-esque "Catastrophe," the frantic, bloodcurdling "The Perfect Nightmare," and the epic assault of "Daybreak," rather than because they wanted to provide a comment on religion.

 

"There's no particular religious message," clarifies Ken. "In order to explore the dualism of humans, we decided to include Angels and Demons, which are opposing elements just like fire and water."

 

"Angels aren't necessarily good and demons aren't necessarily bad," he explains. "The most important theme is that we should never stop questioning the world around us."

 

EX_MACHINA is a relentless album that strives for the listener's attention, and is unquestionably the heaviest that Crossfaith have put their name to since forming in their native Osaka in 2006.
 

Since their inception, Crossfaith have been on the edge of a fusion of rock, metal, electronica and big ideas on their albums; and the edge of euphoria with their live shows. EX_MACHINA is the album on which they walk that fine, fiery line more skillfully and seismically than ever.

 

Crossfaith return on August 3rd with EX_MACHINA, now available for pre-order here: unfd.lnk.to/ex_machina.

 

 

 

For more information, please visit:

Website: www.crossfaith.jp

Facebook: www.facebook.com/crossfaithofficial

Twitter: www.twitter.com/CrossfaithJapan

Instagram: www.instagram.com/crossfaithjapan

 

EX_MACHINA Track Listing:

1. Deus Ex Machina

2. Catastrophe

3. The Perfect Nightmare

4. Destroy (ft. Ho99o9)

5. Freedom (ft. Rou Reynolds from Enter Shikari)

6. Make A Move

7. Lost In You

8. Wipeout

9. Milestone

10. Eden In The Rain

11. Twin Shadows

12. Daybreak

13. Faint (ft. Masato from Coldrain) 

 

Upcoming Tour Dates:

6/15 - Wiesbaden @ Schlachthof

6/16 - Paris @ Download France

6/17 - Aarau @ Kiff w/ Modern Life Is War

6/19 - Bologna @ Zona Roveri w/ Underoath

6/20 - Milan @ Magazzini Generali w/ Underoath

6/22 - Copenhagen @ Copenhell

6/23 - Dessel @ Graspop Metal Meeting

6/24 - Stuttgart @ clubCANN w/ Bury Tomorrow

6/26 - Budapest @ Durer Kert w/ Underoath

6/28 - Prague @ Aerodrome

6/29 - Munster @ Skaters Palace, Vainstream warm-up

6/30 - Madrid @ Download Spain

7/28 - Yamaguchi @ Wild Bunch Fest

8/25 - Fukuoka @ Triangle '18

8/26 - Osaka @ RUSH BALL 2018

8/27 - Osaka @ Big Cat

8/29 - Nagoya @ NITROPOLIS vol. 1

8/30 - Tokyo @ NITROPOLIS vol. 1

8/31 - Tokyo @ NITROPOLIS vol. 1

9/8 - Gamagori @ TREASURE05X 2018

9/26 - St. Petersburg @ Clubzal

9/27 - Moscow @ RED Club

9/28 - Kiev @ BelEtage

9/30 - Zurich @ Dynamo

10/1 - Vienna @ Arena

10/2 - Leipzig @ Naumann's

10/3 - Hamburgh @ Logo

10/5 - Copenhagen@ Pumpehuset

10/6 - Berlin @ Bi Nuu

10/8 - Cologne @ Gebaude 9

10/9 - Munich @ Backstage

10/10 - Strasbourg @ La Laiterie

10/12 - Utrecht @ Tivoli

10/13 - Bristol @ Marble Factory

10/15 - Glasgow @ Garage

10/16 - Nottingham @ Rock City

10/17 - Manchester @ Academy 2

10/19 - London @ Electric Ballroom

10/20 - Sheffield @ Plug

10/21 - Dublin @ Academy Green Room

10/27 - Fukushima @ HIP SHOT

10/28 - Kanagawa @ BAYHALL

11/8 - Niigata @ LOTS

11/10 - Hokkaido @ ZEPP SAPPORO

11/14 - Kagawa @ OLIVE HALL

11/16 - Osaka @ NAMBA HATCH

11/20 - Shizuoka @ MADOWAKU

11/22 - Aichi @ ZEPP NAGOYA

11/25 - Uchino-Sendai @ SENDAI PIT

11/30 - Tokyo @ SHINKIBA STUDIO COAST

12/8 - Hiroshima @ CLUB QUATTRO

12/9 - Fukuoka @ DRUM LOGOS

12/15 - Okinawa @ MUSIC TOWN OTOICHIBA

=====================

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At Camp GOTR, we will pack in the fun! 

Camp GOTR is a brand-new, fun, way to enjoy summer for girls going into 3rd - 6th grade!  Each camper will receive all the appropriate camp swag including; cinch sacks, bracelets, water bottles and fun buttons! Our daily schedule will include:

•   Opening game/physical activity
•   Lesson following the week's curriculum
•   Play time with friends
•   Reflection/journal writing & snack time
•   Creating craft projects
•   Closing activity with teams

Each week of camp will culminate with fun Gallery Walk to see their peers craft projects AND they will prepare team skits to show what they learned at camp.

It truly is all the best of summer camp sprinkled with Girls on the Run flair! Registration is open on our website or on Rowland Hall's website.

Click here for dates and more information.

Register TODAY!