July 2022 - Page 6 of 26

July 24, 2022

Marshall News Messenger announces new distribution schedule | Business

The Information Messenger is announcing an evolution in its distribution routine setting up the week of Aug 15. Starting that Monday, print distribution of the paper will consist of a Wednesday, Friday and an expanded weekend publication. An e-edition will be offered everyday Tuesday by means of Friday, alongside with a weekend edition. The Information Messenger’s dedication to completely covering Harrison County and surrounding location has not modified and remains your community resource for information and data.

“M. Roberts Media’s viewers has by no means been larger,” reported Stephen McHaney, M. Roberts Media president. “The desire for our community and state articles proceeds to grow by way of our digital shipping formats, including e-editions, web-sites, social media and applications. We want to make sure our delivery formats are representative of our readers’ and advertisers’ tastes now and in the long run.”

July 24, 2022

3 Little-Known Ways to Earn Bigger Social Security Checks | Personal-finance

(Katie Brockman)

Millions of seniors collect Social Security benefits in retirement, some of them relying on their monthly checks for the majority of their income.

While Social Security was never designed to be your primary source of income, it pays to ensure you’re receiving as much as possible. Your benefits can go a long way in retirement, especially if your savings are falling short.

One of the best ways to increase the size of your checks is to delay claiming Social Security. However, there are a few other, less common options that can also help you earn larger monthly payments.

Image source: Getty Images.

1. Work at least 35 years

The Social Security Administration calculates your benefit amount by taking an average of your wages over the 35 highest-earning years of your career. That number is then adjusted for inflation, and the result is the amount you’ll receive if you begin claiming at your full retirement age (FRA).

If you’ve worked fewer than 35 years by the time you file, you’ll have zeros included in your average to account for the time you were not working. That will result in a smaller earnings average and less money in benefits.

Even if you have worked a full 35 years already, working a little longer can be beneficial. Chances are you’re earning more now than you were 35 years ago. And because your average is based on your highest-earning years, working an extra year or two when you’re earning more can give you a higher benefit amount.

2. Take advantage of other types of benefits

Retirement benefits aren’t the only type of benefits you might be eligible to receive. In some cases, you could also qualify for spousal benefits, divorce benefits, or survivors benefits.

Spousal and divorce benefits allow you to claim based on your partner or ex-partner’s work record. In both cases, the most you can receive is 50{1b90e59fe8a6c14b55fbbae1d9373c165823754d058ebf80beecafc6dee5063a} of the amount your spouse or ex-spouse is entitled to at his or her FRA.

If you were financially dependent on a loved one who passed away, you could also qualify for survivors benefits. Although usually reserved for widows and widowers, survivors benefits are also sometimes available to parents, children, divorced spouses, and other family members.

3. Contribute to a Roth account

Your Social Security benefits can be subject to both state and federal taxes in retirement. Your state taxes will depend on where you live, while federal taxes will depend on a factor called your provisional income.

Your provisional income is half of your annual benefit amount, any nontaxable interest, plus your adjusted gross income. If your provisional income is higher than $25,000 per year (or $32,000 per year for married couples filing taxes jointly), you’ll owe taxes on up to 85{1b90e59fe8a6c14b55fbbae1d9373c165823754d058ebf80beecafc6dee5063a} of your benefit amount.

However, withdrawals from Roth accounts — such as a Roth IRA or Roth 401(k) — don’t count toward your provisional income. If you’re withdrawing a significant amount from this type of account, that can potentially lower your provisional income enough to reduce or even eliminate federal taxes — helping you keep a larger chunk of your benefits.

Your benefits can help you afford a more comfortable retirement, and it’s wise to make the most of them. With a few creative strategies, you can squeeze every penny out of Social Security.

The $18,984 Social Security bonus most retirees completely overlook

If you’re like most Americans, you’re a few years (or more) behind on your retirement savings. But a handful of little-known “Social Security secrets” could help ensure a boost in your retirement income. For example: one easy trick could pay you as much as $18,984 more… each year! Once you learn how to maximize your Social Security benefits, we think you could retire confidently with the peace of mind we’re all after. Simply click here to discover how to learn more about these strategies.

The Motley Fool has a disclosure policy.

July 23, 2022

Fun facts and finance: Get to know ASU’s new business dean

July 21, 2022

Ohad Kadan will oversee 8 academic models in the W. P. Carey College, which provide 1000’s of enterprise pupils

He’s fluent in Hebrew and fond of gangster motion pictures and books that make him cry.

He’s a finance professor by trade and a short while ago started off his new article at Arizona Point out College as dean of the W. P. Carey College of Small business.

Meet up with Ohad Kadan.

Soon after an rigorous countrywide search, Kadan left his position as the vice dean for schooling and globalization and the H. Frederick Hagemann Jr. Professor of Finance at the Olin Business enterprise School at Washington University in St. Louis to report for work in Tempe on July 1.

Due to the fact then, he’s hit the floor operating. Kadan has been holding arranging classes with college and key staff, discovering new methods for innovation, location long- and small-phrase ambitions, and modifying from a non-public school placing to a general public college.

ASU Information spoke to Kadan a handful of weeks into his tenure. Here’s what he had to say about his new and unfolding adventure.

Ohad Kadan

Question: What resonated about the W. P. Carey College and Arizona Condition University whilst pursuing this posture?

Answer: There are many features of the faculty that captivated me. The initially is that the town of Phoenix and the metro region is a thriving region. It’s the fifth-largest city in the United States, and it can be rising rapidly, with the two migration of men and women and firms going in. I think which is crucial for a business enterprise faculty or university. So I see a lot of opportunities just staying in the metro Phoenix spot.

The 2nd situation that captivated me was the school itself, specially the faculty and staff. We know the college at W. P. Carey has a powerful status in instructing and investigate. Which is an beautiful place in joining this phenomenal group and its currently terrific packages, both equally undergraduate and graduate. ASU is also well-recognised for innovation, and W. P. Carey has been presenting modern programs and top on the internet instruction. I view myself as an tutorial entrepreneur and felt that this would be a suited ecosystem for me in conditions of incorporating or contributing to that modern method here at ASU and W. P. Carey. All this alongside one another captivated me to the faculty.

Q: Right before joining W. P. Carey earlier this month, you experienced been at Washington University in St. Louis because 2002, starting off as an assistant professor and turning out to be a comprehensive professor whilst relocating as a result of roles this sort of as tutorial director of the International Master of Finance software, finance chair and vice dean for education and learning and globalization. How has that trajectory affected the way you believe about major at the W. P. Carey School?

A: Very first is the value of collaboration and doing the job with the college and team. That has been a staple of my work as a chief and administrator. You just cannot do it all alone it need to be teamwork. And which is a thing that I have uncovered along the way. The next thing I uncovered was the significance of strategic planning. I couldn’t just take my posture and say, “Let’s do that or do a thing else.” I experienced to system. Preparing is not a thing I could do on my possess. It had to be assured by faculty, students, staff members members, alumni, the business enterprise community and the college leadership, all contributing to this program of what is and who is W. P. Carey? What are we about at the company faculty? Who do we want to turn out to be? Exactly where are we heading? We were being carrying out this properly at the Olin Business School.

I’m carrying it with me to W. P. Carey – the notion that you need to program strategically, assume extensive-expression about where you want to be 5 and 10 a long time from now, and get the job done with each other to produce and execute the strategy. And it can not be an amorphous prepare. It should have measurable objectives. It must have a timeline. It should have champions who are responsible for execution. It need to be a tangible prepare. Which is what we are executing here proper now.

Q: Can you explain to us about your research skills?

A: I’m a finance professor. I’ve been a finance professor my total profession, commencing as an assistant professor at Washington College and advancing through the ranks. About the 20 decades I spent at Washington College, I investigated different spots of finance. 1st, I started out finding out the framework of monetary markets, then focused more on economic conclusions at the company amount. Additional a short while ago, I’ve focused on pricing and asset administration queries. I have also concentrated on the information and facts you can elicit from the selling prices of choices and derivatives and on the implications of diversity, fairness and inclusion on financial commitment selections.

Q: Are there spots of W. P. Carey that you contemplate “hidden strengths” and will consider to highlight?

A: I think a number of areas we could produce are govt schooling, continuing education and learning, lifelong studying and engagement with businesses and the neighborhood. These are parts I would not get in touch with “hidden strengths.” They just haven’t been as developed as they should really. So those are spots I’m specifically intrigued in and will function to develop even more.

Q: You started the changeover early, attending numerous university situations in the spring, primary strategic organizing periods and getting an knowing of the ASU program. Can you give us examples of vital selections you produced in people early days?

A: The very first important decision was to launch a strategic arranging process that seems to be five to 10 many years ahead and asks, “Where are we likely to be?” Building a strategic prepare appears obvious, but it’s not obvious to all people. We are now pausing and wondering lengthy-phrase and performing with each other to approach and arrive at out to all our stakeholders and ask them, “What do you consider? What is your feedback? What are your strategies?” Accumulating all this facts into a strategic program was my initial big choice. I manufactured this determination early just after being named dean for the reason that I could not do it any other way.

The next vital selection that grew to become clear as portion of the strategic preparing method was the require to emphasize executive schooling, continuing education and lifelong studying right here at W. P. Carey. I produced a new device all around people areas in collaboration with the then-interim dean, Amy Ostrom, and appointed Raghu Santanam, senior associate dean for government schooling, company partnerships and lifelong studying, to jumpstart the method. I wanted this to commence even ahead of I arrived to Tempe. Producing this unit was a sizeable final decision I built early on.

Q: What else do you want our group to know about what the foreseeable future retains for the W. P. Carey Faculty?

A: Our eyesight focuses on accessibility, excellence and innovation in business enterprise expertise. It is who we currently are, but we will emphasize it far more. Access to education is significant. We are listed here to offer instruction to those people who need training. Schooling is not a luxurious. It opens doorways and produces chances, and we are right here to offer that. That is essential, and it really is not any education. It can be superb instruction. It ought to be top-notch instruction. We require to entice major-notch college and incredible college students so that we will provide not only on entry but also on excellence. Finally, how do we supply all of that? By means of innovation. We innovate, and we instruct innovation, but we also observe innovation in every thing we do. That’s part of the ASU identity. I really should say that we will also interact with every person all-around us. We will engage with corporations, the local community and all of ASU. We are likely to be group players below on campus. We consider the ASU Constitution extremely seriously, which claims that we will need to lead and be dedicated and inclusive.

Q: You pointed out that your spouse, Dafna, would enable in your function at W. P. Carey. What will this appear like?

A: Dafna’s a pretty social individual, so I be expecting her to participate in several W. P. Carey situations, which includes fundraising and other pursuits. She’s looking forward to collaborating and interacting with the total group, regardless of whether within just W. P. Carey at the university or in the community at substantial. She’s also seeking ahead to moving to Phoenix and sharing this experience with me.

Q: You’ve had a whirlwind calendar year pursuing the selection method and relocating to Arizona from Missouri. How do you invest your time when existence isn’t so hectic?

A: Existence is active, and I like to spend my time with family members to the extent I can. They’re my priority in everyday living. I have three little ones: my oldest is 24, my center youngster is 21 and my youngest is 17, who is nonetheless dwelling with us. I devote as significantly time to my relatives as achievable, presented my a lot of obligations and commitments. In terms of leisure time, we like climbing.

Q: Now for some entertaining stuff. Favorite Phoenix region restaurant?

A: An Israeli restaurant in Scottsdale identified as Fata Morgana. My wife is a foodie, and she has a record of Phoenix eating places she needs us to go to currently!

Q: Beloved or most latest reserve you’ve examine?

A: I a short while ago study “The Kite Runner” and felt emotionally impacted by it.

Q: Preferred motion picture?

A: I adore the cinema, and there are so a lot of wonderful motion pictures. But I’m a huge enthusiast of “The Godfather” saga.

Q: Best company assistance you’ve ever received?

A: To hear. When you are in a conference, commit 80{1b90e59fe8a6c14b55fbbae1d9373c165823754d058ebf80beecafc6dee5063a} of your time listening and 20{1b90e59fe8a6c14b55fbbae1d9373c165823754d058ebf80beecafc6dee5063a} speaking. Leaders want to speak fairly than listen, and I think that’s a error. I need to listen and hear, not just hear what people today are saying. So listening is an critical talent in company.

Q: Favourite professor or trainer who had an effects on you?

A: I’ve had quite a few, but I would like to highlight my alma mater, the Hebrew College of Jerusalem, which taught me to be rigorous in anything I do in my research and instructing. That was very influential on my profession.

Q: Ideal guidance for possible ASU pupils?

A: I have the same assistance for future learners and graduates: Don’t be frightened to choose probabilities or get a “no.” There is a stating, “You pass up 100{1b90e59fe8a6c14b55fbbae1d9373c165823754d058ebf80beecafc6dee5063a} of the shots you you should not acquire.” I bought several “nos” in my career. So, if you are a student, check with the concern. Don’t be shy or get discouraged. If you are a graduate, utilize for a career. If you you should not get your chances, you will not get anyplace.

July 23, 2022

4 Ways to Safeguard Your Retirement Against 9.1{1b90e59fe8a6c14b55fbbae1d9373c165823754d058ebf80beecafc6dee5063a} Inflation | Business News

If you know of local business openings or closings, please notify us here.

PREVIOUS OPENINGS AND CLOSINGS

· Jimmy’s Barbershop in Allentown has moved to 822 N. 19th Street

· Air Products and Chemicals Inc.’s chosen warehouse developer, Prologis Inc., will have to wait until July 13 for a final decision by Upper Macungie Township’s zoning hearing board on 2.61 million square feet of warehouses.

· Chubby’s of Southside Easton has added Krispy Krunchy Chicken to its offerings and name.

· Curaleaf Holdings Inc., which operates in the U.S. and Europe, will open a medical-marijuana dispensary at 1801 Airport Road, Hanover Township.

· Habitat for Humanity, which has “ReStores” that sell new and lightly used furniture, has leased 30,000 square feet at the South Mall.

· Nat Hyman’s bid to convert an old warehouse at 938 Washington St. in Allentown into 48 apartments did not win zoning hearing board approval this week after neighbors said more housing would make an on-street parking shortage worse.

· Members 1st Federal Credit Union opened a new branch this week at 5605 Hamilton Blvd, Trexlertown. It’s one of five planned for the Lehigh Valley.

· A Turkish restaurant has relocated from one downtown to another, taking its fresh ingredients and cozy atmosphere from Nazareth to 200 Main St., Tatamy.

· The Tennessee Titans have chosen Allentown-based Shift4 Payments to handle payments at Nissan Stadium.

· Wells Fargo Bank held ribbon-cutting at its downtown Allentown branch at 740 Hamilton St.

· The Wiz Kidz outlet at the Madison Farms residential/retail development in Bethlehem Township will hold a grand reopening and ribbon-cutting at noon on July 15.

· Bad Biscuit Company, which offered breakfast with scratch-made biscuits, freshly baked pastry and local, small-batch artisan coffee, said it will cease operations at 16 Columbia Ave. in Reading after its July 1 hours.

· FastBridge Fiber has announced it will build an all-fiber cable network that will offer ultra-fast internet in the Reading area.

· Hamid Chaudhry has said he no longer plans to move forward with pursuing a food truck park he previously proposed on the site of the former Sheetz convenience store and gas station in Exeter Township at 6600 Perkiomen Ave. (Route 422 East).

· The Maxatawny Township Planning Commission has OK’d a proposal for a Mavis Discount Tire store in the Kutztown Road shopping center that features a Giant supermarket.

· Valentino’s Italian restaurant has gotten Maxatawny Township’s approval to remain open when the state transportation department takes one-third of its parking lot to build a traffic roundabout at the intersection of Route 222 and Long Lane.

· Pocono Mountain Harley-Davidson, under new ownership, will hold a “Grand Re-Opening Bash” July 9 and July 10 from 10 a.m. to 5 p.m.

· Sauce West End plans to open in a former Rita’s Italian Ice, just off Route 209 across from the Tractor Supply store in Brodheadsville.

· The Surgery Center of Pottsville, which offered medical procedure services for 16 years in Cressona Mall. will close June 28.

· Wells Fargo has closed its branch office in Langhorne, near the intersection with Maple Avenue.

· The latest PrimoHoagies location in New Jersey held a grand opening at 1930 State Route 57, Hackettstown.

· A new Tractor Supply Co. store in Warren County will have its grand opening in the former Toys ‘R’ Us store in Pohatcong Plaza on July 9.

· Hunter Pocono Peterbilt plans to move Pocono Township operations to Stroudsburg.

· Coal Winery and Kitchen at 81 Broad St., Bethlehem, has closed as its owner searches for a new location for the business, according to its Facebook page.

· Lowhill Township supervisors approved a 312,120-square-foot commercial warehouse and distribution center on a 43.4-acre tract on the west side of Route 100, south of the Kernsville Road intersection.

· The Mint Gastropub at 1223 W. Broad St., Bethlehem, announced that it has temporarily closed to undergo a merger with a “well-known restaurant group” from Bethlehem.

· The Slatington Farmers Market opened its 28,000-square-foot showroom, which includes space for 53 vendors, as well as a 4,000-square-foot event space.

· St. Luke’s University Health Network opened a new pediatric inpatient unit next to the eight-bed pediatric intensive care unit at St. Luke’s University Hospital – Bethlehem.

· 25th Asian House opened at the location of the former Tin Tin Chinese restaurant in the 25th Street Shopping Center in Palmer Township.

· The Chick-Fil-A in Broadcasting Square shopping center in Spring Township was razed to make way for a new, expanded facility for the popular chicken sandwich restaurant.

· Plans for drive-thru locations of a Chipotle and a Starbucks at the intersection of Ivy League Drive and Kutztown Road were rejected by Maxatawny Township planners.

· Cumru Township plannes reviewed preliminary plans for NorthPoint-Morgantown Commerce Center, a 738,720-square-foot warehouse to be built on 75.2 acres at Morgantown Road (State Route 10) and Freemansville Road.

· Kutztown University has plans to expand its historic Poplar House to 13,161 square feet with an addition around its side and back, but keep the 129-year-old structure intact.

· A wine store and beverage outlet could be coming to a new two-unit building along the commercial strip of Blakeslee Boulevard Drive East in Lehighton, Carbon County.

· ChristianaCare, a Delaware health care organization, has announced it will buy the former Jennersville Hospital in West Grove, Chester County.

· Garden of Health Inc. celebrated the opening of the food bank’s new warehouse at 201 Church Road, North Wales, in Montgomery County.

· Silverline Trailers Inc. opened its first location in Pennsylvania and in the Northeast at 223 Porter Road, Pottstown, where it sells utility, cargo, dump, equipment and car hauler trailers.

· A new smoothie and bowl restaurant, Sips & Berries, opened at 285 Maple Ave., Harleysville, in Montgomery County.

· Terrain on the Parkway offers 160 new 1-, 2- and 3-bedroom apartments at 1625 Lehigh Parkway East in Allentown.

· Lehigh Valley native Don Wenner is moving his real estate investment and finance firm DLP Capital from Bethlehem to Allentown at 835 W. Hamilton St.

· While Wells Fargo has been the leader in closing banks lately, it will hold a ribbon-cutting for its new downtown Allentown office at 740 Hamilton St. on June 30.

· If you’re in the market for sterling silver jewelry, minerals and semi-precious gemstones, C& I Minerals is now operating at the South Mall at 3300 Lehigh St. in Allentown.

· The Allentown-based utility company PPL Corp. bought a major Rhode Island utility.

· Ownership at Martellucci’s Pizzeria in Bethlehem has changed, but Paul and Donna Hlavinka and their family are running the pizza place at 1419 Easton Ave., just as it has been operated for 49 years.

· Dr. Jacob Kasprenski’s new Kasprenski Family Eye Care opened at 1088 Howertown Road, Catasauqua.

· Josie’s New York Deli in downtown Easton closed early in the COVID-19 pandemic, but a June 13 Historic District Commission meeting approved a request for a new sign at its building at 14 Centre Square.

· Zekraft cafe has opened its second location in the Easton Silk Mill in Easton. The first Zekraft restaurant was opened in Bethlehem. The restaurants’ menus change frequently, with a focus on local ingredients.

· Manta Massage at 319 Main St., Emmaus, will hold its grand opening on July 10 starting at 11 a.m.

· The former Iron Lakes Country Club, constructed in the late 1950s and early 1960s, will operate at 3625 Shankweiler Road in North Whitehall Township under its new name, The Club at Twin Lakes.

· Prologis, a titan in the logistics industry, will own and operate three warehouses proposed in Upper Macungie Township at the former Air Products headquarters campus at 7201 Hamilton Blvd.

· Lehigh Valley Health Network ceremonially opened its first Carbon County hospital — a $78 million, 100,578-square-foot facility at 2128 Blakeslee Boulevard Drive East in Mahoning Township.

· Pocono Township commissioners voted to accept Swiftwater Solar’s preliminary final plan for the $111 million, 80-megawatt field on a private 644-acre site on top of Bear Mountain that would include about 200,000 solar panels.

· Firetree Ltd. wants to expand its in-patient rehab operation at the former Sands Ford auto dealership at 440 N Claude A Lord Blvd. (Route 61), Pottsville.

· A Dunkin’ in Schuylkill County located at 400 Terry Rich Blvd., St. Clair, has become just the fourth location of the donut and coffee chain to go entirely digital.

· The Conservatory music school in Bucks County will close after 34 years, and school officials say the COVID-19 pandemic is the cause. The nonprofit, located at 4059 Skyron Drive, Doylestown, will close June 30.

· A Popeyes Louisiana Kitchen and Arby’s will be built on the site of the former Ahart’s Market on Route 22 in Phillipsburg, New Jersey.

· Hunterdon County Chamber of Commerce offices and the Unity Bank Center for Business & Entrepreneurship will be located at 119 Main St., Flemington.

· Honeygrow opens Quakertown location, next to Chipotle on Route 309, on June 3.

· Dunkin’ reopens remodeled restaurant at 1174 MacArthur Road in Whitehall Township

· Muse Modern Med Spa at 325 Fifth St. in Whitehall Township will hold a grand opening June 4.

· Around Again, a consignment store, opened at 154 S. Main St., Phillipsburg

· Steak and Steel Hibachi, a restaurant in the works at 44 W. Walnut St., Bethlehem, still plans on opening late this summer.

· Take It Outdoors Recreation Hub has moved to a spot along the Schuylkill River Trail at Riverfront Park in Pottstown, Montgomery County

· Pedego Electric Bikes has a new outlet in Lambertville, N.J. at 13 N. Union St.

· Amanda Vachris has opened a new Keller Williams Real Estate office at 15 St. John St. in Schuylkill Haven.

· Easton’s new West Ward Market will open Wednesday and be open on Wednesday’s through the summer from 3 p.m. to 7 p.m. The market, created by the Greater Easton Development Partnership, will sell fresh produce on 12th Street, next to Paxinosa Elementary School.

· Ciao Sandwich Shoppe is adding a second location, this time on College Hill in Easton. Ciao plans to open at 325 Cattell St. in late summer. Ciao already operates in downtown Easton at 12 N. Third St

· Ma’s Crepes and Cakes will hold a grand opening and ribbon-cutting June 16 at 46 W. Broadway, Jim Thorpe. The celebration starts at 5 p.m., with the ribbon cutting at 5:45 p.m.

· Bethlehem’s Back Door Bakeshop will reopen as a wholesale operation at 7 E. Church St. in the city’s historic district. The business was open for nine years as a retail outlet at Broad and Center streets, before announcing in March that it would close the storefront April 3 and “go back to its origins as a wholesale business.”

·The Beef Baron on Catasauqua Road in Bethlehem is closed indefinitely for renovations

· The Brothers That Just Do Gutters are opening a new location in Allentown at 1302 N. 18th St.

· St. John Chrysostom Academy, an Orthodox school serving grades 1-9 starting this fall, held a grand opening at its St. Francis Center, Bethlehem, campus.

· Easton Commons, a shopping center anchored by Giant Foods at 2920 Easton Ave., Bethlehem Township, has a new name: The Shops at Bethlehem.

· Carbon County is getting a taste of Brazil at Uai Brasil BBQ at 315 Lehigh Ave. in Palmerton.

· The Keystone Pub in Bethlehem Township, at 3259 Easton Avenue, has reopened after a lengthy and expensive renovation.

· The Trading Post Depot opened at 401 Northampton St., Easton. The rustic furniture store makes custom tables for dining rooms, desktops, conference centers and more.

· The Easton area has a new gym: Homemade Fitness at 444 Cedarville Road in Williams Township.

· Il Gaetano Ristorante opened at its 665 Columbus Ave., Phillipsburg, location.

· Ciao! Sandwich Shoppe to open second location on College Hill in Easton, replacing The Kettle Room

· Rene and Grisellies Benique have opened Ezekiel 47 Cafe at 10 S. Fifth Ave., off Fifth and Penn avenues, in West Reading.

· Alter Ego Salon and Day Spa in Emmaus is holding a grand opening Sunday, May 22, from 11 a.m. to 3 p.m., with a ribbon cutting at noon.

· Origen Latin Fusion has opened at the site of the former Tomcat Cafe in Sinking Spring, Berks County.

· Sellersville Senior Residences will hold a ribbon-cutting ceremony May 24. The Bucks County affordable-housing community for adults 55 and older has 50 apartments, with eight allocated for people with behavioral health needs.

· The House and Barn in Emmaus has opened its Shed outdoor dining and cigar bar area. The House and Barn is at 1449 Chestnut St. in Emmaus.

· Realtor Amanda Vachris and the Schuylkill Chamber of Commerce will hold a ribbon cutting at Vachris’s new Keller Williams Real Estate office at 15 St. John St., Schuylkill Haven, at 4 p.m. on May 24.

· Il Gaetano Ristorante will hold a grand opening on Friday, May 20, at 5:30 p.m. The 665 Columbus Ave., Phillipsburg.

· First Commonwealth Federal Credit Union will hold a grand opening at its new headquarters in Trexlertown, 6126 Hamilton Blvd., on May 18.

· Vinyl Press Signs & Graphics has relocated within Emmaus. The new site is 15 S. Second St., not far from the former Sixth Street location.

· Pedro’s Cafe in Emmaus to close

· SV Sports (formerly Schuylkill Valley Sports) to close Quakertown location

· Flemington DIY will host a Grand Re-Opening on May 14 at 26 Stangl Road, Flemington. The celebration will kick off at 10 a.m.

· Elpedio’s Ristorante at Seipsville opened at 2912 Old Nazareth Road in Easton. The restaurant is open Wednesday through Sunday.

· Uai Brazil opened at 315 Lehigh Ave, Palmerton, offering both a seated or buffet option.

· Colombian Mex Restaurant opened at 107 E Union Blvd in Bethlehem, offering traditional Colombian cuisine.

· Precision Ink opened at 161 W Berwick St. in Easton.

· King Wing opened a location in Bethlehem at 129 E. Third St., serving wings and sandwiches.

July 23, 2022

How to Make the Most of Rewards Credit Cards | Personal-finance

(Alka Mehta)

If you happen to be going to use a credit rating card, should not you get compensated to do so? Benefits playing cards assist you profit from your day-to-day expending. This is what you will need to know to get the most important possible returns from benefits cards.

What is a benefits credit history card?

Benefits cards pay back you back again each time you use them. Quite a few this kind of cards give you again a proportion of each and every buy in funds. Other individuals pay back you back again with details or miles for a distinct airline carrier, hotel chain, or basic journey expenditures.

Impression supply: Getty Photographs.

Points and miles benefits are a bit much more complicated as opposed to cash rewards. The worth of a person mile or just one position is not often equivalent to an specific cash equal. Playing cards like Chase Sapphire Most well-liked present Ultimate Benefits points, where by each individual position is worthy of 25{1b90e59fe8a6c14b55fbbae1d9373c165823754d058ebf80beecafc6dee5063a} additional in comparison to its money counterpart when redeemed for travel by way of the Chase Greatest Rewards portal.

Whether in the sort of dollars or factors, these benefits might seem to be small, but they can add up speedily. Benefits accumulate in the account above time till you redeem them.

The 3 sorts of funds back again playing cards

Set-charge playing cards

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July 23, 2022

Best Travel Insurance Companies for Seniors in 2022

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Reaching your golden years doesn’t mean your adventures have to end. In fact, in this stage of life, you’ll hopefully have more time and resources to travel. But as a senior citizen, you’ll want to ensure you’re covered if any health-related issues arise while you travel—which is where travel insurance comes in.

Luckily, there are several excellent options for travel insurance for seniors. Having the right travel insurance will give you peace of mind while traveling and cover any losses incurred if you need to cancel your trip due to health issues. If you’re 60+ years old, check out our top picks for senior travel insurance below.

Compare the best travel insurance for seniors

Best overall: Allianz

Best for high coverage amounts: John Hancock

Best for active travelers: World Nomads

Best annual travel insurance: Travel Guard

Best cruise insurance: Nationwide

Best for traveling to Europe: AXA Schengen

Best for seniors 80 years and up: Seven Corners

Our methodology

When comparing senior travel insurance options, we looked for the following factors for each travel insurance provider:

Coverage limits: We looked at each travel insurance company’s coverage amounts for benefits like medical emergencies and trip cancellation.
Coverage for preexisting conditions: Preexisting conditions are one of the more critical factors for travel insurance for senior citizens, so we looked at travel insurance companies that offer the best coverage for preexisting conditions.
Price: We compared travel insurance providers offering reasonable basic and comprehensive coverage rates.
Benefits geared towards seniors: We compared travel insurance companies that offer solid coverage for senior citizens, like medical evacuation, COVID-19 coverage, and trip cancellation.

How to pick the best travel insurance for you

It’s wise to compare several different travel insurance policies for the best coverage and pricing, as premiums vary widely between insurers and depend on factors like your age and travel destination.

That said, some of the more essential coverages to look for if you’re a senior citizen include:

Travel medical coverage — This coverage will pay for your medical bills outside the US.
Medical evacuation coverage — If you’re injured or become sick while traveling, this coverage will transport you to the nearest hospital or even back home if your condition necessitates it.
Preexisting conditions — Coverage for known health conditions.
Cancel for any reason (CFAR) — The name says it all! It’ll cost extra, but it’s the most comprehensive trip cancellation coverage you can get.
Trip cancellation insurance — This coverage provides reimbursement for your prepaid and nonrefundable costs if you cannot make your trip due to an unforeseen event.
Baggage delay insurance — This coverage will reimburse you for essentials like toiletries and clothes if your bags are delayed.
Lost luggage insurance — This coverage will reimburse you up to a specified amount if your bags get lost en route.

Of these, the most critical to note are whether or not your policy covers preexisting conditions and the limits for travel medical insurance and emergency medical evacuation.

Some insurance companies offer a waiver that will cover preexisting conditions. You’ll have to follow the requirements for adding a waiver to your policy, like insuring the entire cost of your trip. Or purchase the policy within a specific time after making your first trip deposit payments.

You’ll also want to find a policy with high maximum limits for travel medical and emergency medical evacuation coverage. These types of expenses can be substantial, so you want to have appropriate coverage.

More about our winners

Allianz

One of the most widely recognized names in travel insurance, Allianz stands out as one of the top travel insurance providers for seniors. It offers a wide range of policies covering medical treatments overseas and emergency medical transport.

Allianz also provides options for varying trip lengths. Its annual multi-trip policies, for example, cover any trip you make during your policy period, even if they aren’t yet planned, making it an excellent option for seniors who vacation multiple times per year.

John Hancock

John Hancock’s travel insurance plans for seniors offer some of the best coverage available. It provides generous maximum benefit amounts while still offering affordable prices.

Each plan includes coverages like trip cancellation, emergency accident, and emergency medical, with the option to add benefits like CFAR (cancel for any reason). In addition, getting a free online quote is a quick and straightforward process.

World Nomads

For active senior citizens under 70, World Nomads is a great choice for comprehensive travel insurance. The key difference between World Nomads and many other providers is that it covers 200+ adventurous activities like scuba diving, mountain biking, surfing, skiing, and even bungee jumping. In addition, World Nomads’ trip cancellation and emergency medical coverage includes COVID-19-related issues. Many other insurers are excluding that type of coverage now.

For adventurous senior citizens over the age of 70 years young, World Nomads suggests working with its partner, TripAssure.

Travel Guard

Travel Guard by AIG offers comprehensive insurance plans for shorter and longer trips. One of its more unique offerings is their Travel Guard Annual Plan.

This annual travel insurance comes with standard coverage benefits (trip delay, baggage loss, etc.) and substantial coverage amounts, which is important for seniors who travel multiple times per year. Travel Guard also offers a preexisting medical condition waiver, meaning those with certain medical issues can still gain coverage.

Nationwide

Looking for an insurance provider that offers a specialized plan for cruising? Nationwide has you covered.

Seniors looking for a cruise insurance plan can choose from a few different options including the Universal Cruise plan, Choice Cruise plan, and Luxury Cruise plan. The Choice Cruise plan offers the best balance of coverage and affordable premiums.

AXA

Why consider AXA if you’re a senior citizen planning a trip to Europe? One requirement for a Schengen Visa is that travelers have insurance covering them in all Schengen Area states up to medical costs of €30,000.

AXA offers a low-cost option that meets these minimum requirements. It also offers a “Europe Travel coverage” plan that includes the Schengen countries as well as Ireland and the UK. Quotes are quick and easy to obtain online, and you’ll receive a certificate of coverage within minutes of paying your premium.

In addition to these Europe-specific policies, AXA offers three travel insurance plans (silver, gold, and platinum) for travel worldwide. And no one is excluded based on age.

Seven Corners

If you’re 80 years of age or older, it may be difficult to find travel insurance at a reasonable rate. That said, there are still options available, and Seven Corners is often one of the more affordable providers, especially given its higher-than-average medical expenses and medical evacuation coverage limits.

In addition to providing reasonable coverage rates, Seven Corners allows you to purchase a waiver to ensure any of your preexisting conditions are covered. The company also offers CFAR (cancel for any reason) insurance at an additional cost. And “cancel for any reason” really does mean any reason, meaning you’ll be covered for anything from bad weather to COVID.

Travel insurance for seniors — frequently asked questions (FAQ)

Do I need travel insurance if I have Medicare?

Yes. It’s recommended that seniors traveling internationally get travel insurance because, according to Medicare.gov, any health care you receive outside of the US isn’t covered.

How much does senior travel insurance cost?

The cost of coverage can vary depending on various factors, including your age, overall health, state of residence, travel destination, and length of your trip. You can usually get a quote online, directly from the insurance provider, without too much hassle. You might also check a third-party comparison site, like travelinsurance.com, to see multiple coverage options in one spot.

What is not covered by travel insurance?

Most insurance providers will exclude coverage for foreseeable events, such as COVID after it was declared a pandemic. And this is also why preexisting conditions are often excluded without a waiver for coverage. So it’s crucial to study your plan’s coverages.

For example, Allianz Travel Insurance’s most recent coverage alert is as follows: “Our plans may limit or exclude coverage and assistance services resulting from specific events, including, for example, COVID-19 and the Russian armed forces invasion of Ukraine.”

How can seniors save money on travel insurance?

Comparison-shopping is the name of the game when it comes to saving money on senior travel insurance. And remember to only insure the nonrefundable parts of your trip. If you bought fully refundable plane tickets, for example, there would be no need to insure those.

Does my credit card offer travel insurance?

Using a credit card that offers trip protection to pay for your travel can help cover you in some circumstances. But the coverage likely won’t be as comprehensive as what you’ll get with certain travel insurance plans. See Insider’s guide to the best credit cards with travel insurance to learn more.

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3. Contribute to a Roth account

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What is a benefits credit history card?

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Set-charge playing cards

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Are benefits credit playing cards suitable for you?

Compare the best travel insurance for seniors

Best overall: Allianz

Best for high coverage amounts: John Hancock

Best for active travelers: World Nomads

Best annual travel insurance: Travel Guard

Best cruise insurance: Nationwide

Best for traveling to Europe: AXA Schengen

Best for seniors 80 years and up: Seven Corners

Our methodology

How to pick the best travel insurance for you

More about our winners

Allianz

John Hancock

World Nomads

Travel Guard

Nationwide

AXA

Seven Corners

Travel insurance for seniors — frequently asked questions (FAQ)

Do I need travel insurance if I have Medicare?

How much does senior travel insurance cost?

What is not covered by travel insurance?

How can seniors save money on travel insurance?

Does my credit card offer travel insurance?