Owning a home remains a central part of the American dream, but rising hidden costs are weighing heavily on many older Americans.

On average, homeowners now spend close to $16,000 each year covering maintenance, insurance, and property taxes.

This burden is growing, with maintenance alone averaging over $10,000 and insurance premiums rising sharply, especially in high-cost cities like New York, San Francisco, and Boston—where homeowners face expenses surpassing $20,000 annually.

Retirees living on fixed incomes feel this financial squeeze most, as overall costs jump faster than income.

For example, insurance in Miami now averages $4,607, a 72% increase in just five years.

Experts urge homeowners to budget for regular upkeep, address repairs early, and understand all annual costs, making it easier to maintain both homes and financial security over time.

Many retirees steadily draw down their IRAs and 401(k)s, paying taxes and risking financial stability, while substantial home equity remains untouched.

This gap in retirement planning leaves a major resource idle.

Home equity is often a retiree’s largest asset, yet it’s rarely leveraged—even though accessing it can be tax-free and insulated from market swings.

Reverse mortgages, for example, offer guaranteed lines of credit that grow over time, bringing much-needed flexibility.

Despite these advantages, emotional ties and outdated views cause many to resist tapping equity.

Many see a paid-off home as the ultimate security, missing that equity alone can’t fund day-to-day expenses or healthcare.

With rising costs and increased life expectancy, reconsidering home equity is vital.

A well-managed reverse mortgage supports, rather than jeopardizes, long-term security.

Strategically using this asset can boost retirement comfort and reduce taxes without risking home ownership.

Retirement is often pictured as relaxing, but many seniors face unexpected expenses that strain their finances.

Recent research shows that about 83% of retired households encounter at least one surprise cost each year.

Common issues include major home or vehicle repairs, sudden medical expenses beyond basic care, and family emergencies like helping relatives or covering emergency travel.

Health and home repairs are especially frequent, affecting more than half of retirees annually.

These surprises can total around $7,100 per year for those affected, averaging to roughly $6,000 annually across all retirees—close to 10% of the median retiree’s income.

Yet, only 58% have enough cash to weather a typical year’s worth of surprises, and more than a quarter cannot cover such costs even if they use up their savings and retirement funds.

Financial experts urge retirees to build emergency funds, consider long-term care insurance, and diversify investments to stay resilient.

New research shows that aging is more than a passive process — it’s something you actively shape each day.

Your daily choices and connections can boost brain health, emotional well-being, and overall quality of life as you grow older.

Five impactful habits make a difference: Living with purpose, such as finding meaning in your work or community, helps protect against cognitive decline.

Rediscovering old passions or hobbies keeps your mind engaged and spirits lifted.

Pursuing lifelong learning stimulates your brain, while also giving you opportunities to connect with others.

Volunteering locally brings a sense of connection and fulfillment, lowering stress and enriching your social life.

And exploring new jobs or “encore” careers can bring renewed joy and purpose at any stage.

Ultimately, healthy aging means living meaningfully at every age, focusing on what matters most to you.

Eliminating debt is a challenge many face, but practical strategies can make a real difference.

Lowering your interest rates—whether by negotiating with creditors, consolidating debt, or refinancing—can reduce how much you owe over time.

Finding ways to boost income, from side jobs to negotiating raises or seeking better-paying work, provides extra cash to pay down debt more quickly.

Cutting unnecessary expenses—budgeting carefully, trimming bills, and limiting discretionary spending—frees up more money for repayments.

It’s essential to avoid new debt by using cash or debit cards and building an emergency fund for life’s surprises.

Applying structured repayment tactics—like the debt snowball or avalanche methods—can help you stay motivated and clear your balances faster.

Consistent effort and smart planning are key to achieving a debt-free life.

Growing older is far more positive than most people believe.

84% of adults have already crafted their financial roadmap for 2026, with emergency funds and high-yield savings accounts leading the charge as this year's most sought-after money strategies.

This planning surge reflects heightened financial awareness, as 78% prioritize emergency savings — a dramatic shift from last year's widespread shortfalls.

Baby Boomers focus on protecting against unexpected costs, while Millennials battle insufficient income and Gen Z struggles with overspending habits.

Financial experts recommend three to six months of expenses in high-yield accounts, yet only 46% of Americans meet the three-month mark.

Today's top high-yield savings offer 4.35% rates, vastly outperforming traditional accounts at 0.40%.

The popular 50/30/20 budgeting rule allocates half of after-tax income to living expenses, 30% to discretionary spending, and 20% toward savings.

Automated savings tools particularly benefit low-income individuals through consistent, effortless contributions.

With Americans carrying $21,500 in non-mortgage debt, strategic debt reduction has become crucial for financial success.

In 2026, heightened economic uncertainty is pushing more Americans to purchase annuities and life insurance products, seeking reliable ways to protect their finances.

Retirees are shifting away from high-risk investments in favor of fixed and indexed annuities, which guarantee stable monthly income and offer protection against market swings.

New figures reveal that U.S. annuity sales hit $223 billion in early 2025, up 3% from the previous year. Registered Index-Linked Annuities in particular surged, growing 20% in the second quarter as people seek both growth and security.

Younger adults are also more aware of the need for financial planning, increasingly choosing term life insurance for affordable coverage amid rising family and medical expenses.

Families are having crucial multigenerational conversations about safeguarding loved ones from unexpected costs, driving a proactive approach to financial stability.

December stands out as the perfect time to buy restaurant gift cards, with enticing promotions amplifying their value for both givers and recipients.

Restaurants like Panera Bread and IHOP are offering bonus cards with qualifying purchases — from Panera’s $10 bonus with every $50 card to IHOP’s $5 extra for a $25 card, making holiday spending go further.

These bonuses are an easy way to stretch your budget while treating friends and family, or even rewarding yourself with future meals.

Local favorites such as Beef 'N Bottle in Charlotte add a community touch, offering a $30 bonus on $100 gift card purchases and supporting neighborhood businesses.

Gift cards suit every budget, ensuring no recipient is left out.

Take advantage of these seasonal deals to enjoy extra value and spread holiday cheer at the table.

Nearly 48% of those enrolled in retirement plans are struggling with credit card debt, according to a recent J.P. Morgan Asset Management study.

This financial pressure often leads individuals to borrow from their own retirement accounts—risking their long-term security.

The data, drawn from over 12 million people in 16,000 defined contribution plans, reveals that high credit card balances can sharply reduce contributions and lower total savings.

For older savers, this impact may decrease retirement readiness by as much as 40%.

External financial challenges, like mounting credit card bills, don’t just hurt savings—they reshape retirement outcomes entirely.

Spending also drops by over 30% from age 60 to 85, yet most retirees face sharp year-to-year changes.

Boosting contributions by only one percent starting at age 25 could cover nine years of Medicare expenses later in life.

This research urges local residents to manage debt wisely and adapt savings plans for genuine financial security.

Nearly 70% of Americans over 65 will need some form of long-term care, yet many remain unprepared for the steep financial impact.

Medicare and standard health insurance plans do not cover extended custodial care, leaving a surprising coverage gap.

This “Cost Gap” means retirees often face out-of-pocket expenses far greater than expected, threatening savings and financial security.

Just one long-term care event could rapidly deplete your assets, endanger surviving spouses, and disrupt decades of careful retirement planning.

Protect your future by educating yourself.

Download the free cheatsheet “Retirement’s Hidden Risk: How to Protect Your Savings From Long-Term Care Costs” to learn strategies that help safeguard your hard-earned nest egg.

Hanukkah, the eight-day Festival of Lights, honors the rededication of the Second Temple in Jerusalem over two thousand years ago.

In the 2nd century BCE, the Jewish Maccabees bravely resisted Seleucid Greek oppression, reclaiming their temple and faith.

With only one day’s oil left for the menorah, a miracle allowed the flame to burn for eight nights, inspiring the holiday’s duration.

Hanukkah shines as a testament to religious freedom and cultural resilience.

Families kindle menorahs, share stories, and savor fried favorites like latkes and sufganiyot, celebrating the miracle of light.

Communities unite for menorah lightings and joyous festivities, including public events in Washington, D.C. and San Diego from December 14 to 22, 2025.

Hanukkah’s enduring message reminds all to cherish hope, stand firm in faith, and embrace tradition in the face of adversity.

The festive season is a time for joy and reconnection with loved ones.

But certain sensitive topics can quickly disrupt harmony at the table.

To keep gatherings positive, avoid conversations about personal finances, relationship status, or heated political views.

Steer clear of comments on appearance, unsolicited parenting advice, or probing into health and career updates.

Family planning questions, religious debates, and reminders of past mistakes can also be deeply uncomfortable.

Instead of comparisons or judgment, celebrate each person’s individuality and achievements.

Should a conversation veer into sensitive territory, gently guide it toward shared interests, lighthearted stories, or upcoming family plans.

By focusing on what unites rather than divides, you help create a warm, memorable holiday atmosphere for everyone.

Keep your live Christmas tree lush and safe this holiday season with a few simple steps.

Start by trimming about half an inch off the trunk before placing it in the stand.

Fill the tree stand with water immediately, and top it off every day—a fresh tree can easily drink up to a gallon daily.

Only use fresh tap water—skip any additives or homemade mixes.

For best results, place the tree away from heat sources such as radiators, fireplaces, or direct sunlight, and opt for LED lights to minimize drying.

If your home air is dry, a humidifier nearby can help keep the needles intact.

With regular care, your tree will stay greener, emit a wonderful scent, and shine brightly throughout the season.

The vibrant poinsettia’s journey to becoming a holiday staple begins with a beautiful Mexican legend.

It tells of a young girl’s humble gift of weeds miraculously transforming into brilliant red flowers at a nativity scene, earning the name “Flor de Nochebuena.”

For centuries, this plant was a regional treasure in southern Mexico.

Its path to American homes started in 1828 with Joel Roberts Poinsett, the first U.S. ambassador to Mexico.

A keen botanist, he sent cuttings to his South Carolina greenhouse, and the flower was later named in his honor.

However, it was California grower Paul Ecke who cemented the poinsettia’s status as a Christmas icon.

He developed a technique for the full, bushy plants we see today and masterfully promoted them on television, securing their cherished place in our local holiday celebrations.

Have you ever wondered why we leave cookies and milk for Santa Claus?

The beloved tradition as we know it became popular during the Great Depression.

During the 1930s, American parents encouraged the practice to teach children about gratitude and generosity, even when families had very little.

It was a powerful lesson in sharing during a time of hardship.

But the custom has much older roots in Norse mythology, when children left hay for Odin’s horse hoping for gifts in return.

The tradition is also connected to Dutch celebrations for St. Nicholas.

Other cultures have their own versions, from mince pies in Britain to a pint of Guinness in Ireland.

So this Christmas Eve, you're not just leaving a snack—you're taking part in a global history of giving and thankfulness.

Living to age 100 is becoming a real possibility for many in our community, with the number of centenarians expected to quadruple by 2054.

This incredible longevity, however, raises a profound and widespread anxiety.

For a growing number of Americans, the fear of running out of money now actually outweighs the fear of death.

The key to building confidence for a retirement that could span decades is having a source of guaranteed monthly income in addition to Social Security.

This creates a reliable paycheck that you simply cannot outlive, providing true peace of mind.

Pairing that income with a detailed strategy from a financial professional transforms abstract fears into a concrete, actionable plan.

Now is the time to make longevity planning a priority for your future.

December is shaping up to be a feast for fast-food lovers, with major chains rolling out budget-friendly deals that let you indulge without overspending.

Local favorites like McDonald's, Wendy's, and Subway are extending their combo offers, packing in sandwiches, nuggets, fries, and drinks for as little as $5.

Taco Bell, Burger King, and Domino’s entice with customizable meal boxes, mix-and-match deals, and weekly free fries or bonus sandwiches through their apps.

Panda Express and Church’s Chicken are looking out for families, offering generous family meals under $40 with enough food for a crowd.

Sonic, Del Taco, and Dairy Queen provide value-packed combinations, free drinks, and classic happy hour specials to keep everyone satisfied.

Sign up for rewards apps or check each chain’s offers in-store, and you’ll find plenty of ways to eat well for less this month.

With winter’s arrival and snow quickly accumulating, clearing driveways and sidewalks shifts from routine chore to serious health concern for older adults.

Health experts urge anyone over 45 to use extra caution when shoveling, especially those with heart issues, high blood pressure, or high cholesterol.

Smoking, obesity, and lack of regular exercise can make shoveling even riskier.

Cold air combined with the effort of lifting snow puts added pressure on the heart, sometimes resulting in medical emergencies.

Research links heavy snowfall to increased heart attacks—particularly in seniors.

Warming up before shoveling, using lightweight equipment, and taking frequent breaks can all help reduce risk.

Staying alert to warning signs like chest pain or shortness of breath is crucial.

Choosing alternatives such as snow blowers or hiring help may keep local residents safer throughout the winter.

For thousands of retirees across the Las Vegas valley, navigating retirement accounts has new complexities due to recent federal changes.

These updates to Required Minimum Distribution (RMD) rules are critical for protecting your financial future.

First, the Secure 2.0 Act has pushed the starting age for RMDs from 72 to 73 for many individuals.

It is set to rise again to 75 for those born in 1960 or later, allowing investments more time to grow.

Second, the IRS has significantly reduced the penalty for a missed withdrawal.

The penalty has been slashed from a staggering 50% to a more manageable 25%, and can even drop to 10% if corrected promptly.

Be aware, however, that delaying your first RMD can create a tax trap, potentially requiring two distributions in one year and pushing you into a higher tax bracket.

A revocable trust, also known as a living trust, gives the grantor full control to manage and adjust their assets at any time during their lifetime.

Once the grantor passes away, the trust usually becomes irrevocable, locking in the original instructions for asset distribution.

This shift guarantees that the grantor’s wishes are preserved exactly as intended.

For example, retirees often use revocable trusts to manage their finances, keeping flexibility while they’re alive.

After their death, a successor trustee must follow the trust’s guidelines, ensuring assets are passed on according to the grantor’s plans.

In rare cases, trust documents or state laws might allow some changes after death, so it’s wise to consult an estate planning expert for personalized advice.

Ultimately, a revocable trust combines lifetime flexibility with a clear, secure plan for asset distribution afterward.

As the cold season settles over Long Island, locals find their skin battling persistent dryness, irritation, and sensitivity.

Frequent exposure to chilly winds and heated indoor air strips away natural moisture, making rich, hydrating creams with ceramides or hyaluronic acid essential.

Applying moisturizer soon after cleansing keeps hydration locked in, while gentle, cream-based cleansers protect the skin barrier against flaking and redness.

Staying hydrated is vital—even when you don’t feel thirsty—so sip water often and add water-rich foods like cucumbers and oranges to your diet.

Humidifiers help offset the effects of dry heating systems so common in Long Island homes.

Don’t forget sunscreen: even winter sun reflects off snow and water, contributing to aging and skin damage.

Shielding with scarves and windproof clothing can add another layer of defense in coastal areas like Montauk and the North Shore.

With small adjustments, radiant skin is possible all winter long.

Beginning in 2026, Americans aged 50 and older who earn more than $145,000 yearly will see a major shift in their 401(k) plans.

With the SECURE 2.0 Act, these catch-up contributions must now be made on a Roth basis, requiring taxes to be paid immediately rather than deferred.

This change removes the upfront tax break formerly available for pre-tax contributions.

Although current tax bills may rise, the upside is that retirees will enjoy tax-free withdrawals later.

The adjustment also means that, if a 401(k) plan lacks a Roth feature, eligible employees could lose the ability to make extra contributions entirely.

High earners are encouraged to review their retirement strategies and speak with financial advisors to navigate these updates.

Examining after-tax savings options and planning ahead can help ensure long-term financial security.

Long Island draws newcomers with its scenic coastlines, excellent schools, and lively neighborhoods.

However, the area remains one of the priciest places to live in New York.

As of early 2025, median home prices have soared to $705,000 — with Nassau County even higher at $805,000, and Suffolk at $630,000.

Rents reflect the same trend, with one-bedroom units ranging from $2,250 to $2,733, and larger apartments costing significantly more, especially closer to central locations.

Property taxes are a major factor, averaging above $14,000 per year, and even higher in some parts.

Grocery staples and gas add to daily expenses, as most basic items outpace national price averages.

Commuting to New York City can raise annual transportation costs, with monthly train passes and tolls often exceeding hundreds each month.

Still, many feel the outstanding schools and vibrant lifestyle justify the investment.

As winter settles over Long Island, residents face the dual challenge of staying warm while managing heating expenses.

Layering clothing made of wool or fleece keeps body heat locked in, and cozy socks or slippers help ward off the chill.

Sealing drafts around windows and doors with weather stripping or caulk prevents heat loss and keeps cold air at bay, making homes more energy efficient.

Letting in sunlight during the day and closing curtains at night boosts indoor warmth naturally.

Cooking at home adds extra heat, and leaving the oven door open after baking can further warm up the kitchen—just remember to keep kids and pets safe.

Ceiling fans set to rotate clockwise push warm air downwards, improving comfort.

Staying active and drinking hot beverages like tea or cocoa also help keep you comfortable.

Local organizations such as Community Solidarity offer free winter supplies to those in need, ensuring everyone can stay warm this season.

Staying healthy after 60 is vital for independence and overall well-being.

Regular checkups catch health issues early and allow for timely treatment.

Annual blood pressure checks and cholesterol monitoring guard against heart disease and stroke.

Weight management and periodic bone density testing are essential as metabolism slows and osteoporosis risk rises.

Cancer screenings remain crucial: Women should discuss mammograms, cervical, and colorectal tests with their doctor, while men should consider prostate and abdominal aortic aneurysm screenings.

Regular eye and hearing exams can help detect age-related changes early.

Stay up-to-date on vaccinations, including flu, pneumonia, and shingles shots.

Diabetes and thyroid screenings, dental checkups, and skin cancer assessments all support senior wellness and ensure a vibrant, active lifestyle.

November’s arrival brings cool air, family gatherings, and vital reminders about those who need us most.

Long-Term Care Awareness Month highlights the often-unseen stress facing the Sandwich Generation—adults supporting both aging parents and dependent children.

Juggling work, family, and finances can feel overwhelming, especially as care costs rise faster than inflation.

With nursing home and assisted living prices soaring, and younger generations facing their own hurdles, many adults find their savings stretched thin.

Starting honest conversations about future care needs and exploring options like long-term care insurance can offer reassurance and prevent crisis-driven decisions.

It’s essential to protect your own financial stability too—continue saving, use available resources, and ensure legal documents are up to date.

Caregiving is both an emotional and financial commitment, but proactive planning brings peace, dignity, and resilience for families across generations.

Your home’s soaring appraisal might hint at newfound wealth, but turning that value into cash isn’t simple.

Driven by low mortgage rates and heavy demand, U.S. home values hit a record $49.7 trillion in 2024, up by $2.5 trillion in just one year.

Yet, for most owners, this is paper wealth—tied up until you sell or borrow against your property.

Options like cash-out refinancing, HELOCs, or reverse mortgages can unlock funds, but come with higher payments, risk of foreclosure, and long-term costs.

In 2025, cash-out refinance activity soared, with many tapping into equity but taking on hundreds more per month in payments.

Seniors especially find themselves “house rich” but cash poor, facing challenges in meeting everyday expenses.

Understanding the gap between home value and accessible wealth—and seeking expert advice—remains key to smart money decisions.

As winter arrives on Long Island, it’s crucial for local seniors to remain physically active for their health and independence.

Overcoming cold weather and icy sidewalks is easier than it seems with many accessible options available right here in our community.

Consider indoor mall walking at climate-controlled spots like Roosevelt Field or the Smith Haven Mall to safely get your steps in.

Many local senior centers and gyms also offer virtual classes, from chair yoga to low-impact aerobics, that can be enjoyed from home.

For those staying in, everyday objects like soup cans can be used for light weight exercises.

When the weather allows, a brisk outdoor walk at a well-maintained location like Eisenhower Park or the Jones Beach boardwalk is a fantastic option.

Always prioritize safety by wearing proper footwear to avoid slips on any ice.

Retirement planning is evolving beyond the classic "three-legged stool" of Social Security, pensions, and personal savings.

With pensions becoming scarce and savings often lacking, retirees need new strategies.

Home equity has emerged as a vital fourth pillar, especially as Social Security faces funding uncertainties.

For homeowners aged 62 and above, a reverse mortgage provides a way to tap into this built-up equity without selling the home or taking on monthly mortgage payments.

This option can boost monthly income, help manage surprise expenses, and let retirees delay other withdrawals—safeguarding investments.

Smartfi® Home Loans partners with financial professionals to offer flexible reverse mortgage solutions and scenario-building tools so seniors can retire with confidence.

Empowering clients to access home equity could be the key to financial stability and a more secure future.

The U.S. housing market is experiencing a major demographic shift as the typical home buyer grows older.

The median age for first-time buyers has reached 38 years, while the overall median buyer age is now 56—a significant increase from last year.

Younger buyers struggle with record-high home prices and mortgage rates, making it tougher than ever to enter the market.

Older generations, especially baby boomers, are taking the lead, accounting for 42% of all home purchases and using their substantial financial resources to pay large down payments or buy homes with cash—something 26% of buyers managed in 2024.

First-time buyers now represent only 24% of sales, a record low, reflecting their uphill battle against student loans and living costs.

This aging trend is expected to slow housing turnover and shift demand toward homes adaptable for later life.

Understanding your money personality can transform the way you manage your finances.

Savers focus on building their nest eggs, sometimes overlooking the value of quality or memorable experiences in favor of frugality.

Spenders find joy in purchases and often see budgets as limiting, but aligning spending with personal values and automating savings can promote balance.

Sharers generously help others, yet risk their own stability if boundaries aren’t set.

Investors thrive on long-term gains and calculated risks, though it’s vital they keep resources for emergencies and to savor everyday life.

Gamblers chase rapid rewards, accepting big risks, but should limit high-stake ventures while securing most investments safely.

Recognizing your own style empowers you to make adjustments, building a financial approach that supports both your goals and your well-being.

As cooler weather sets in and daylight wanes, sticking to a walking routine can become difficult.

Yet new research finds that how we walk may have greater health benefits than simply tracking step counts.

Studies published in major medical journals reveal that longer, uninterrupted walks—especially those lasting 10–15 minutes—significantly lower the risk of cardiovascular disease and early death, compared to sporadic short walks.

One investigation of over 13,000 older women suggests walking 4,000 steps, even if just one or two days a week, still reduces cardiovascular risk and mortality.

Those active several days a week saw even greater benefits, emphasizing overall weekly activity over daily targets.

With the holidays near, joining local events like the annual Thanksgiving Turkey Trot can make exercise festive and inviting for all ages.

Prioritizing longer, more consistent walks—especially with community support—can boost both health and happiness.

Standing watch at the farthest edge of Long Island, the Montauk Point Lighthouse remains a beacon of both history and adventure.

Commissioned by President George Washington and completed in 1796, this iconic structure is New York’s oldest lighthouse—an unmistakable symbol beloved by locals and visitors alike.

Inside, the Montauk Lighthouse Museum offers a look at the area’s vivid maritime past, with artifacts and photos chronicling two centuries of nautical life.

Climb 137 winding steps for breathtaking panoramas that reach far beyond the Atlantic’s edge, often revealing glimpses of Connecticut and Rhode Island.

Surrounded by Montauk Point State Park, the site is a sanctuary of coastal trails, bluffs, and wintering seals.

Whether you come for sunrises, history, or ocean air, Montauk Point remains a cherished local treasure—eternally shaped by the sea.

Gluten is a natural protein found in grains like wheat, barley, and rye. It forms when flour mixes with water, creating the chewy texture and structure essential for bread and many baked goods.

Foods such as breads, pastas, and cereals commonly contain gluten, but it also appears in unexpected items like soy sauce and processed snacks, making label reading important for those sensitive to gluten.

The amount of gluten in flour impacts the final product's texture—bread flour forms more gluten for a chewy bite, while cake flour has less, making pastries tender.

Whole grains containing gluten provide nutrients like fiber and folate, but for people with celiac disease, gluten can cause serious digestive harm and nutrient loss.

Products labeled gluten-free meet strict safety standards, helping those with gluten intolerance find safe options, while alternative recipes let anyone enjoy diverse and delicious gluten-free meals.

Scams are on the rise in Long Island, with adults over 55 often targeted due to strong community connections and financial stability.

Fraudsters thrive by creating urgency—so always slow down before responding to suspicious calls or emails.

Guard your personal information; only share sensitive data if you initiated the contact, and be mindful of what you post online.

Watch out for payment requests involving gift cards, wire transfers, or crypto—legitimate businesses don’t use these methods.

Secure your online accounts with strong, unique passwords and two-factor authentication, and keep your devices updated with trustworthy antivirus protection.

Stay connected to local resources: report scams to Nassau or Suffolk County Consumer Affairs offices, or reach the New York State Attorney General’s Consumer Helpline at 1-800-771-7755.

If anything feels suspicious, trust your gut and consult a trusted friend or advisor before acting.

Smart protection starts with you.

As winter approaches on Long Island, it’s essential to prepare your home for dropping temperatures and shorter days.

Scheduling an HVAC system inspection now can keep your heating running efficiently and avoid surprise breakdowns.

Seal windows and doors to block out drafts and lower your heating bills by inspecting for gaps or damaged weatherstripping.

Clear gutters and downspouts of leaves and debris to prevent ice dams and foundation issues when ice starts to melt.

Insulate exposed pipes in unheated spaces like attics and garages to prevent bursts and water damage.

Don’t forget to reverse ceiling fans to circulate warm air downward and improve heating efficiency.

Check smoke and carbon monoxide detectors and replace batteries to ensure safety with increased heater use.

Finally, winterize outdoor faucets and hoses to protect them from freezing and cracking.

These simple steps can help you protect your home and enjoy a season of warmth and comfort.

Long Island seniors are grappling with mounting financial pressures, as quickly rising costs outpace income growth for many older adults.

Over 32,000 seniors now live at or below the poverty line—a 62% jump in just ten years, outstripping local senior population growth.

More than 10% of residents aged 70+ receive no Social Security, and nearly half have no other retirement income.

Workforce participation is on the rise; 22.6% of seniors are employed today, many out of sheer necessity.

Housing costs have soared, now demanding annual household incomes near $242,000 for a median home—up 83% from earlier estimates—causing widespread housing insecurity.

This year’s modest 3.2% Social Security increase has been wiped out by spiking prices for food, healthcare, and utilities.

Financial struggles are undermining nutrition, medication adherence, and overall health, prompting calls for urgent, coordinated action to support Long Island’s aging population.

Staying in your home is possible—even on a fixed income. A reverse mortgage helps eligible homeowners, typically age 62 or older, convert a portion of home equity into usable cash while retaining full ownership and residency.

A Home Equity Conversion Mortgage (HECM) is the federally insured version of a reverse mortgage, offering key safeguards for borrowers.

This option can ease monthly cash flow, fund essential upgrades, or provide a financial buffer for unexpected events, all without monthly mortgage payments. Borrowers can receive funds as a lump sum, monthly payout, or line of credit—while still handling property taxes and upkeep.

Used wisely, a HECM may let retirees delay taking Social Security, increasing their future benefits.

Eligibility depends on age, home equity, and your ability to handle ongoing expenses. For many local seniors, a reverse mortgage offers a practical path to age in place confidently and securely.

Many Long Island seniors look forward to retirement, but unexpected financial pitfalls often get in the way of enjoying these years.

Claiming Social Security too early often leads to permanently reduced monthly benefits.

Waiting until full retirement age or even later can offer far greater financial stability.

Healthcare expenses also rise in retirement, and Medicare doesn't cover every cost.

Supplemental plans like Medigap help cushion the burden of out-of-pocket bills.

Many overlook long-term care needs, risking high costs if extended care is needed.

Exploring insurance or dedicated savings can make a difference.

Real estate decisions without proper legal advice may trigger tax penalties or Medicaid issues.

Seniors must also stay alert for scams, as financial fraud can threaten hard-earned savings.

Being informed empowers Long Islanders to retire with more confidence and peace of mind.

Charles M. Schulz debuted the beloved 'Peanuts' comic strip on October 2, 1950, launching a legacy that spanned nearly 18,000 installments across five decades.

‘A Charlie Brown Christmas’ premiered in 1965, introducing the comic’s charm to television and winning both an Emmy and a Peabody despite early doubts about its bold style.

Continuing its tradition of tackling timely topics, the franchise spotlighted Franklin Armstrong and themes of inclusion in 2024’s ‘Snoopy Presents: Welcome Home, Franklin.’

The series evolves, with Apple TV+ releasing ‘A Summer Musical’ in August 2025, marking the first new 'Peanuts' musical in over thirty years and attracting a new generation of fans.

Exclusive streaming on Apple TV+ through 2030 ensures classics remain accessible, while special events like Washington, D.C.’s ‘Peanuts Community Costume Exchange & Outdoor Movie’ foster community celebration and enduring nostalgia.

Discover memorable activities on Long Island this weekend with your grandkids, featuring fun events for every interest.

Spooky Fest at Tanglewood Preserve offers a Halloween celebration with both haunted and non-scary attractions, enchanted forest walks, and themed activities perfect for young children.

The Haunted Tree House at Long Island Aquarium delivers interactive Halloween thrills across five levels, plus pumpkin decorating and animal encounters that kids will love.

Heckscher Museum’s Dia de Los Muertos Family Celebration brings culture to life with art-making, face painting, and colorful performances, fostering understanding of this rich tradition.

At Painting With a Twist, families can get creative by painting festive turkey masterpieces, making art accessible for all ages and abilities.

Sands Point Preserve invites you to unwind with a guided walk, exploring fall foliage and learning about Long Island’s wildlife.

The weather will be partly sunny and windy through Saturday, with cooler temperatures perfect for these engaging autumn adventures.

Create lasting memories while enjoying all that Long Island has to offer this weekend.

Nearly one in five seniors in the U.S. now holds a net worth over $1 million, fueled by a decade of rapidly rising home values.

As of the second quarter of 2025, the housing wealth of Americans aged 62 and older climbed to a record $14.39 trillion, reflecting a 4% jump from the previous quarter, thanks to a nearly 3% rise in their home equity.

Yet, most of this rising wealth remains locked in real estate and doesn’t readily translate into spendable cash for everyday needs or sudden costs.

Market volatility is a major concern, as declining prices could quickly erode this “paper wealth” for seniors counting on their homes as a financial buffer.

Experts suggest options like reverse mortgages, home equity lines, or downsizing to help seniors convert their equity into accessible funds.

Ultimately, liquidity is crucial—having money on hand matters just as much as total assets for a secure retirement.

Today’s real estate market is marked by swift sales for some homes, while others remain unsold for months.

Pricing homes competitively is essential — properties listed at market value generate more attention and offers, while overpricing often deters buyers and causes delays.

Property condition also matters; well-maintained, repaired, and staged homes consistently attract buyers and leave a strong first impression.

Rising inventory, such as the 15.1% year-over-year increase in October 2025, gives buyers more choice, so standing out is crucial.

Proactive marketing, including high-quality photos and virtual tours, boosts exposure and leads to faster sales.

Sellers willing to be flexible with showings and negotiations also see quicker results.

Finally, in markets like Chicago where prices climbed 6.23% in July 2025, understanding local trends helps set strategy and expectations.

Addressing these factors makes a fast, successful sale far more likely.

As autumn deepens, the end of Daylight Saving Time arrives on Sunday, November 2, 2025.

At 2:00 a.m., clocks will fall back to 1:00 a.m., offering everyone an extra hour of sleep as we shift to standard time.

Most digital devices update automatically, but it’s important to adjust analog clocks, kitchen appliances, and car dashboards manually.

Daylight Saving Time has been part of American schedules since 1918, designed to extend evening light during summer months.

The practice remains under debate, with some states seeking to make it permanent. However, no national change has taken place as of 2025.

This annual change is a smart reminder to swap out batteries in smoke detectors and check safety devices at home.

Check for possible schedule updates from local businesses and events, and get ready to welcome a little more rest and the season’s shorter days.

As autumn sets in with cooler air and colorful leaves, local pet owners should be mindful of key seasonal dangers to keep their dogs safe.

Rodenticides and antifreeze use rise as rodents and car owners prepare for colder weather, creating risks for curious pets. Keep all poisons out of reach and clean up antifreeze spills quickly, choosing less harmful options when possible.

Back-to-school supplies like glue sticks and pencils may look like toys but can cause intestinal trouble or blockages if chewed or swallowed. Store bags and supplies away from pets.

Autumn mushrooms can be toxic to dogs — prevent them from eating any found outdoors, as identifying safe varieties is difficult.

Wildlife such as snakes may become more active, so extra vigilance during walks is important.

With earlier sunsets, reflective gear improves your dog's safety on evening strolls.

If you spot fall allergy symptoms like itching or sneezing, see your vet for help, keeping your dog healthy all season.

Choosing between paying off your mortgage or keeping cash savings is a pivotal financial decision shaped by interest rates, investment prospects, and your comfort with risk.

With average 30-year mortgage rates near 6.54%, eliminating mortgage debt can offer a reliable return by saving on interest.

However, investing in stocks like the S&P 500 could yield higher, though less predictable, rewards.

The balance between stability and opportunity is key.

Maintaining liquidity remains vital for emergencies.

Locking savings into home equity might limit access to quick cash, making it wise to keep an emergency fund covering 6-12 months of expenses.

Owning your home outright can bring peace of mind, especially for retirees, reducing monthly stress and offering a sense of security.

Tax benefits from mortgage interest deductions may have less impact given today’s higher standard deduction, so professional advice is recommended.

For local homeowners, like those in Pittsburgh, where mortgage payments take up a smaller share of income, strategically weighing these factors is essential to align with your long-term goals.

Retirees looking for financial flexibility in later life may find a Home Equity Conversion Mortgage (HECM) an appealing solution.

This reverse mortgage option, tailored for homeowners aged 62 and older, lets borrowers manage cash flow by making optional monthly payments.

No repayment is required until the last owner moves out, allowing seniors to stay in their homes indefinitely as long as they maintain taxes, insurance, and upkeep.

HECMs come with non-recourse protection, ensuring neither the borrower nor heirs owe more than the home’s value, even if the market drops.

The available credit line grows over time, providing a tax-free reserve for unexpected expenses.

Starting January 1, 2025, increased FHA lending limits and enhanced borrower protections make reverse mortgages even more accessible and secure, giving retirees with valuable homes greater access to equity and peace of mind.

Finding the perfect vehicle for retirement means prioritizing comfort, safety, and practicality.

The 2025 Honda CR-V stands out with its elevated seating, spacious cabin, and reputation for outstanding reliability—making daily drives simple and enjoyable.

The 2025 Toyota Camry offers seniors a smooth, dependable ride with an easy-to-use layout and roomy interior, ideal for errands or extended trips.

Those seeking versatility may appreciate the 2025 Subaru Outback, which combines all-wheel drive, elevated ground clearance, and accessible comfort for any journey.

The Buick Encore GX delivers compact SUV convenience, a quiet ride, and intuitive technology, ensuring straightforward operation for drivers of all tech levels.

Budget-savvy retirees will value the 2025 Hyundai Elantra, which features efficiency, reliability, and well-appointed interiors for both short commutes and adventures.

Prioritizing ease of entry, safety features, and long-term dependability ensures enjoyable driving for years to come.

Millions of Americans change jobs and unintentionally leave 401(k) accounts behind, with nearly 29.2 million forgotten accounts totaling an astounding $1.65 trillion as of May 2023.

If you believe you have a missing 401(k), start by reaching out to your previous employer’s human resources department for information.

When the company has merged or closed, the search may be trickier, but there are additional options.

Each state provides an unclaimed property database where you can search for forgotten retirement funds with your name and details.

The National Registry of Unclaimed Retirement Benefits is another secure tool, allowing you to search for unclaimed 401(k)s using your Social Security number.

After finding a lost account, consider consolidating it with your current plan or rolling over to an IRA for simpler management and fewer fees.

Staying organized and proactive ensures you don’t miss out on valuable retirement savings.

Feeling confident about retirement planning or investing can be tough — especially when genuine trust is hard to find.

Great South Bay Advisors in Holbrook, New York stands out for its personal, independent approach.

The firm specializes in retirement planning, wealth management, insurance strategies, and long-term income solutions, focusing on clients nearing or enjoying retirement.

Unlike larger firms, clients here connect directly with advisors who take time to learn their story — not just their finances.

The process is educational, never sales-driven; individuals appreciate clear, patient explanations and side-by-side comparisons, without pressure.

Reported services include tax-efficient planning, investment advice, insurance, and Social Security strategies.

Clients highlight ongoing support and feeling truly looked after — not just another file.

If you want local, face-to-face guidance and a long-term partnership for your financial journey, Great South Bay Advisors is a trusted choice.

Autumn’s arrival inspires many to freshen their homes naturally, steering clear of artificial fragrances.

Simmer pots offer an inviting, seasonal solution by gently heating a medley of fruits, herbs, and spices.

Slices of oranges, lemons, cinnamon sticks, whole cloves, and cranberries blend together, releasing delightful aromas and vivid fall colors into your kitchen.

Start by choosing a sturdy saucepan, layering your ingredients inside, and filling it with water to cover the mix.

After bringing to a gentle boil, reduce the heat and let the scents fill your home as the water simmers.

These pots not only fragrance your space, but introduce beneficial humidity and may even help purify indoor air thanks to the natural properties of citrus and cinnamon.

Embracing this cozy tradition brings warmth, comfort, and cleaner air throughout the fall season.

Not designating a beneficiary for your 401(k) can create serious issues for your estate.

If no beneficiary is listed, your 401(k) funds usually become part of your probate estate.

This process can be lengthy and expensive, as probate means the court manages your assets and their distribution.

Delays and higher costs often affect how quickly your loved ones receive these funds.

To protect your retirement savings, it’s essential to name primary and contingent beneficiaries.

Don’t forget to update these selections after major life changes like marriage or divorce to keep your intentions clear.

Consulting a financial advisor ensures your assets are properly managed and transferred just as you want for those you care about.

If you’ve been waiting to buy a home because of high mortgage rates and soaring prices, new trends may offer a fresh reason to look again.

Across the U.S., the typical mortgage payment in June 2025 dropped to $2,172, down from $2,211 in May — a savings of $39 per month or about $468 annually.

This extra breathing room could help buyers stretch their budgets and widen their choices, easing financial pressure for many families.

Two key forces are driving this improvement: Average mortgage rates for 30-year fixed loans are slightly lower, and though home prices are still rising, they’re increasing more slowly than before.

These shifts are making the market more accessible, giving some buyers the confidence to re-enter the hunt for a new home.

For anyone considering a move, reviewing your finances with a real estate expert or lender now could reveal new opportunities as affordability improves.

A powerful nor’easter has brought heavy rains and fierce winds to Long Island, triggering substantial coastal flooding during high tides.

Governor Kathy Hochul has declared a state of emergency for Nassau and Suffolk counties as water levels surge.

The National Weather Service reports 1.5 to 2.5 feet of inundation above ground in waterfront neighborhoods, with the South Shore seeing the worst flooding.

In Freeport, high tide led to flooded streets, but new underground pumps and catch basins have helped limit the damage.

Mayor Robert Kennedy credited the upgrades for keeping bay water at bay and clearing rainfall efficiently.

Communities in Babylon, Bay Shore, and along Fire Island remain on high alert, with residents using sandbags and moving vehicles to higher ground.

Local businesses adjusted hours, while ferry service to Fire Island was suspended.

Authorities urge residents to avoid flooded roads and stay updated as the storm lingers into Monday night.

A well-organized pantry is a point of pride for many home cooks, but managing expiration dates can be confusing.

Labels like “Use By,” “Best By,” and “Sell By” mainly reflect food quality, not safety, making it common for shelf-stable items to outlast the printed dates while losing some flavor or texture.

Regular checks help identify pantry staples like spices, flour, oils, and canned goods that may have passed their prime; dull spices, rancid oils, and rusty cans are all signs to discard.

To maximize freshness, keep items in cool, dry places, use airtight containers, and rotate older goods forward.

Be alert for off odors, visible mold, or changes in texture—they’re clear warnings to throw food away.

Routine reviews reduce waste, keep your pantry safe, and ensure you always have quality ingredients on hand.

Facing the financial realities of placing your 80-year-old mother in a nursing home can feel overwhelming.

Medicare only covers up to 100 days of skilled care after a hospital stay, and strict requirements apply.

If coverage is denied, it's vital to appeal quickly and get support from her healthcare provider.

If appeals fail, she’ll pay privately out-of-pocket.

Nursing homes cannot directly seize Social Security or pension checks, but your mother is still responsible for payments; missed bills may lead to discharge warnings.

Those who qualify for Medicaid—by reducing countable assets under $2,000—must use most of their income, including Social Security, for care expenses.

Medicaid allows a small monthly personal needs allowance.

Consulting an elder law attorney and understanding state rules can help protect assets.

Making informed choices ensures your mother's financial security during this critical time.

Retirees can enjoy greater financial peace of mind by adopting practical money-saving habits and prioritizing proactive planning.

Regularly reviewing your budget helps catch overspending early and avoid unwanted surprises at month’s end.

Annual financial checkups ensure your long-term goals—like travel or home improvements—align with your income and household priorities.

Creative strategies, such as starting a change jar for small indulgences, allow guilt-free treats without disrupting your main budget.

For preventing impulsive buys, the freezer cash technique gives you time to reconsider before making purchases.

Remember, many businesses offer valuable senior discounts, including grocery stores with special price breaks for those 60 and up.

Joining local community groups or sharing resources like groceries and rides can cut costs further, while free or low-cost programs provide enjoyable social opportunities.

These tips help retirees stay financially healthy and connected locally, easing financial stress.

Retirement planning goes beyond saving — it’s also about finding smart ways to reduce your tax burden once you stop working.

Using tax-efficient strategies can strengthen your financial well-being during retirement.

Diversifying your income sources among taxable, tax-deferred, and tax-free accounts allows for flexible withdrawals, helping you keep your income in lower tax brackets.

Roth IRA conversions may be worthwhile, paying taxes upfront but enjoying tax-free withdrawals later, especially if you expect higher future tax rates.

When you reach age 73, required minimum distributions (RMDs) from retirement accounts kick in, so planning withdrawals carefully can help ease the tax hit.

Tax-efficient investments, such as municipal bonds, provide federally tax-free income, while long-term holdings qualify for lower capital gains rates.

Staying updated on tax law changes ensures you capitalize on new savings opportunities.

Proactive planning and expert advice can empower you to minimize retirement taxes and enjoy a more secure future.

Retirement should be a time to savor your hard-earned rewards, yet unexpected healthcare costs can quickly undermine your financial plans.

While Medicare sets a solid base for coverage, it often leaves gaps—especially in dental, vision, and hearing services.

Routine dental cleanings, eye exams, and hearing aids largely remain out-of-pocket expenses, and long-term care isn’t included, potentially straining finances.

Many retirees turn to Medicare Advantage for additional benefits, but these plans may come with network and cost restrictions.

Carefully reviewing your options is vital to ensure the best fit for your needs.

Starting in 2025, Medicare Part D introduces a $2,000 yearly cap on prescription costs, providing welcome relief.

Congress is also considering legislation to expand Medicare to cover dental, vision, and hearing services.

By exploring supplemental coverage and reviewing your plan annually, you can protect your health and finances in retirement.

Aging in place remains the leading concern for U.S. seniors, with 64% identifying it as their top social risk in 2025, echoing last year's findings.

Nearly as many named barriers like access to medical care and economic challenges, highlighting persistent worries about maintaining independence at home.

The pressures weigh heavy: 28% of seniors have skipped medical care due to issues tied to aging in place, while high housing, health care, and grocery costs further strain budgets.

Support services appear essential, as most seniors say they'd gladly use home-safety upgrades, medical alert systems, or in-home care if health insurance offered them.

Survey data also shows a growing senior interest in renting, with more older adults in cities like Cleveland and Indianapolis opting for flexible, low-maintenance lifestyles in “active adult” communities.

As the senior population rises, tackling these interconnected risks will demand innovative, community-focused solutions.

Long Island’s real estate market remains strong through October 2025, with both Nassau and Suffolk counties seeing home prices continue to climb.

The median price in Nassau now sits at about $875,000, a 5.4% jump since last year, while Suffolk County has reached $700,000—a 6.5% increase.

Despite the higher prices, the total number of homes sold remained steady, with 2,311 sales contracts in May 2025 compared to 2,284 in May 2024.

Inventory remains tight, as listings dipped 4.5% year-over-year in July, intensifying competition.

Homes in Nassau County average just 36 days on the market, and many sell at or above asking price, especially in desirable neighborhoods.

Experts note the pace of growth could slow as buyer affordability is pressed and inventory may increase later in 2025.

This evolving landscape calls for buyers to act quickly and for sellers to take advantage while conditions remain in their favor.

The landscape of American beer is almost unrecognizable from a few decades ago, with many classic brands now nearly extinct.

No fall from grace was more dramatic than that of Schlitz, which alienated its loyal customers with a catastrophic recipe change in the 1970s.

For other beloved brews, their magic was tied to their unshakeable local roots.

Olympia Beer built its identity on pure Washington artesian water, while Falls City Beer was a point of pride for Louisville.

Once corporate mergers moved production away from their hometowns, their unique appeal vanished.

Brands like the pioneering Ballantine IPA and the West Coast's Lucky Lager have also faded, leaving behind only collector's cans and fond memories.

While some see small, limited revivals, these nostalgic beers now exist mostly as a faint echo from a bygone era.

With apple picking season in full swing, many of us are bringing home bushels of fresh, crisp apples.

But how do you keep them from turning soft and mealy on the counter?

The biggest mistake is leaving them in a fruit bowl, where they can lose their crunch in just a few days.

For long-lasting freshness, the solution is simple: your refrigerator’s crisper drawer.

Place unwashed apples in the high-humidity drawer to keep them crisp for weeks, or even longer.

It's also crucial to store them alone.

Apples release ethylene gas, a natural ripening agent that will cause other nearby produce to spoil much faster.

Remember to check for any bruised apples regularly, as one bad one can ruin the batch.

By following these simple storage tips, you can enjoy that perfect, just-picked taste for weeks to come.

Optum Medical Care has opened a new integrated care center in Plainview, merging two respected practices that have served local residents for over 50 years.

The state-of-the-art facility now offers expanded primary and specialty care, with on-site imaging, lab testing, and coordinated chronic disease management, making it easier for patients to access comprehensive services in one location.

Patients benefit from faster diagnoses and more personalized treatments, while reduced travel and wait times help ease appointment-related stress.

Meanwhile, nearly 50 employees from Supply House volunteered at Pal-O-Mine Equestrian, supporting the nonprofit’s farm operations and vocational programming.

The True Partners Nonprofit Network hosted its annual “Cocktails and Conversations,” awarding a $10,000 grant to the Maurer Foundation for breast health education.

Local leaders also celebrated the renovation of Tri CYA’s Leadership Café, reinforcing Long Island’s dedication to collaborative community support.

After surviving a rare, aggressive breast cancer diagnosis, Michael Landesberg, executive chef at Jackson Hall American Bar & Grille in East Islip, is turning his personal battle into hope for others.

On October 6, 2025, from 4 to 9 PM, Jackson Hall will host its annual “All Boobs Matter” fundraiser to support local breast cancer patients, uniting the Long Island community in solidarity.

This event—now in its third year—features dinner seatings, auctions, raffles, and more than 500 donated prizes, including a dream vacation, sports memorabilia, and generous local restaurant gift cards.

Funds will benefit the Male Breast Cancer Global Alliance and West Islip Breast Cancer Coalition, building on the $26,000 already raised in past years.

Landesberg’s leadership and story power a growing movement, inspiring East Islip to rally for breast cancer awareness and meaningful change.