The Savvy Senior: Best Bicycles for Aging Baby Boomers


By Jim Miller

Dear Savvy Senior,
My husband and I are interested in getting a couple of bicycles for leisurely exercise and fun, and would like to get your recommendation. We’re both approaching 60 and are a little overweight, and it’s been a while since we rode.
Easy Riders

Dear Easy,
If you’re interested in leisurely, recreational riding for fitness and fun, a great option is a “comfort bike,” which is very popular among baby boomers. Here’s what you should know about this option, along with some tips to help you shop and choose.

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The Savvy Senior: How to Hire a Home Helper


By Jim Miller

Dear Savvy Senior,
I would like to hire a personal assistant/home helper for my mom to assist with some simple household chores like house keeping, errand running, driving her to the doctor, and keeping her company. But mom doesn’t require personal/physical caregiving nor does she require any home medical care. Any tips to help us find someone?
Looking for Mom

Dear Looking,
Getting your mom some help at home to handle some of her household chores can make a big difference keeping her independent longer. Here’s what you should know, along with some tips to help you find someone reliable for your mom.

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The Savvy Senior: Social Security Advice for Soon-To-Be Retirees


By Jim Miller

Dear Savvy Senior,

Can you recommend any services that help pre-retirees decide when to start drawing their Social Security benefits? My wife and I are approaching retirement age and want to carefully weigh our options to make sure we’re maximizing our benefits.
Approaching Retirement

Dear Approaching,
Deciding when to begin collecting your Social Security benefits could be one of the most important retirement-income decisions you’ll make. The difference between a good decision and a poor one could cost you tens of thousands of dollars over your retirement, so doing your homework and weighing your options now is a wise move.  read more…

The Savvy Senior: Health Coverage Options for Pre-Medicare-Age Spouses


By Jim Miller

Dear Savvy Senior,
My wife, who is 62, is on my health insurance plan through my employer. When I retire in a few months at 65, and go on Medicare, what are my wife’s options? Is there some kind of Medicare coverage for dependent spouses, or do we have to purchase Obamacare?
Approaching Retirement

Dear Approaching,
Medicare, unfortunately, does not offer family coverage to younger spouses or dependent children when you qualify for Medicare. Nobody can obtain Medicare benefits before age 65, unless eligible at a younger age because of disability. With that said, here are some coverage options, including Obamacare, to consider for your wife.

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The Savvy Senior: Should All Baby Boomers Get Tested for Hepatitis C?


By Jim Miller

Dear Savvy Senior,
I’ve recently read that all baby boomers should get tested for hepatitis C. Is this really necessary, and if so, what are the testing and treatment procedures?
Healthy Boomer

Dear Healthy,
It’s true. Both the U.S. Preventive Services Task Force and the Centers for Disease Control and Prevention (CDC) recommend that all baby boomers – people born from 1945 through 1965 – get a hepatitis C test.

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The Savvy Senior: Can I Inherit My Parent’s Debt?


By Jim Miller

Dear Savvy Senior,
What happens to a person’s debt after they die? My mother has taken on a lot of medical and credit card over the past few years and I’m worried that my brother and I will be responsible for it when she dies. What can you tell me?
Worried Daughter

Dear Worried,
In most cases when a person with debt dies, it’s their estate, not their kids, that is legally responsible. Here’s how it works.

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The Savvy Senior: Nifty Gadgets That Can Help Seniors with Hearing Loss


By Jim Miller

Dear Savvy Senior,
What types of products can you recommend to help people with hearing problems? My 65-year-old husband has some hearing issues, but doesn’t think he needs a hearing aid, so I’m looking for some alternative devices that can help.
Loud Talker

Dear Loud,
If your husband feels he’s not ready for a hearing aid but needs some hearing help, there are dozens of “assistive listening devices” on the market today that can make a big difference.

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The Savvy Senior: What to Do with Cremated Ashes?


By Jim Miller

Dear Savvy Senior,
When my father passed away a few months ago we had him cremated, but are now wondering what to do with his ashes. My sister and I would like to do something celebratory for his life, but aren’t sure what to do. Any suggestions?
No Instructions Left

Dear No,
If your dad didn’t leave any final instructions on what to do with his cremated remains (ashes), you have a wide array of choices. They can be kept, buried or scattered in a variety of ways and in many locations. Here are some different options to help you decide.

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