Silver Sands

Each year, on November 11, America observes Veterans Day and honors the men and women who have served in our nation's Armed Forces. Many of our Vietnam era veterans are now nearing retirement age, or already there. It is important that they and other American service personnel know just what retirement benefits they can count on from Social Security as they make their future financial plans.
Ashley, a vibrant, active 37-year-old lawyer, mother of three young children and part-time Pilates instructor has a to-do list longer than her combined client case load. When she learned that her next-door neighbor, a mother of four children who pal around with her kids, had terminal cancer, her mind went in many directions. How could she help? What should she say? How will the children respond? How was her friend handling this crisis? But one thought intruded regularly into her daily routine - if this happened to her, how would she and her family handle the impending end to her life? She was clueless on how to approach the subject, but day by day, as she realized the fragility of life, she became more convinced that a conversation was critical regarding her wishes and her husband's.
Say goodbye to the McMansion. According to a leading real estate website,, 2010 was officially the year that homes over 3,200 square feet ended their dominance and appeal. But don't think that downsizing means downgrading. In fact, homeowners are looking to upsize their amenities to help them enjoy every inch of their homes. And, while many different generations are following this trend, Boomers are a unique group, looking to enjoy their smaller nest now that the kids have flown the coop - yet ensure that their homes are filled with the many amenities they'll require for their golden years.
Social Security Regional Commissioner in Atlanta If you didn't sign up for Medicare Part B medical insurance when you first became eligible for Medicare, you now have an opportunity to apply   but time is running out. The deadline for applying during the general enrollment period is March 31. If you miss the deadline, you may have to wait until 2013 to apply. Medicare Part B covers some medical expenses not covered by Medicare Part A (hospital insurance), such as doctors  fees, outpatient hospital visits, and other medical supplies and services.
Bringing home more for less This year, we'll be paying more than ever for dinner. Food prices jumped a whopping four to five percent in 2011 and are expected to continue rising in 2012, says the United States Department of Agriculture. But you can have your chocolate cake and eat it, too, without breaking the bank, says Toni House, author of “Savvy Shopping: How to Reduce Your Weekly Grocery Bill to $85 Per Week  or Less! (