When you get your Social Security checks

 When I meet with someone and we’re assisting with Social Security information one question that’s really common is “when” will I get my benefit each month? If you were born: On the 1st through the 10th: Expect a check to be paid on the second Wednesday of the month. On the 11th through the 20th: Expect a check to be paid on the third Wednesday of the month. From the 21st through the 31st: Expect a check to be paid on the fourth Wednesday of the month. There is a slight change for holidays. If your scheduled payment falls on a legal public holiday, you can expect to be paid the business day before the due date. You can view the schedule for payments at ssa.gov. And Social Security checks are no longer mailed to most beneficiaries. You can receive your payment in two ways: Direct deposit. You can choose to have the Social Security check deposited directly into your bank or credit union account. Direct Express debit card. You can have the Social Security check loaded onto a debit card through the Direct Express card program. You don’t need a bank account for this setup. The card works for making purchases, paying bills or getting cash. However, there may be fees associated with some transactions.

yoursafemoneyshow.com.

Your Safe Money Show 10-28-23 IRS going paperless

October 28th Your Safe Money Show content

 Your Safe Money Show content for Saturday October 28th, Todd will talk about liability insurance and what it covers. The IRS is going paperless. How will that change your taxes? And the fees and interest that credit card users paid in 2022 is crazy and may get worse. Listen at 8 a.m. at Nice 95.5FM KBEK. They stream live at kbek.com. Hear recent shows at yoursafemoneyshow.com.

Open enrollment

 If you have Medicare and have had changes to your health, your drugs, or are just curious what's available during Open enrollment for Medicare, Todd Sjoberg can help. Call 320-679-5183 or go to yoursafemoneyshow.com to make an appointment. There's no cost or obligation.

COLA for Social Security

 I wanted to lock down a couple numbers we’ve been guesstimating about recently. The Social Security COLA came through with a raise of 3.2%, so the average increase is $50. So, we all know the drill, that means the Standard monthly Medicare Part B premiums will go up by $9.80 to $174.70 in 2024, up from $164.90 in 2023. The annual deductible for Medicare Part B will be $240 in 2024, a $14 increase from the $226 annual deductible in 2023. And if you need some assistance during Open enrollment for Medicare I am here to help. Call 855-22 money, that's 855-226-6639 or go to yoursafemoneyshow.com.

Your Safe Money Show Estate Planning Week 10 21 23

Content for October 21st Your Safe Money Show

 Here's what is on the agenda for our October 21st edition of Your Safe Money Show. show It is Estate Planning Week so it’s the perfect time to get started on your estate plan. And the headline reads: All Americans aren’t saving enough for retirement- and all taxpayers might end up paying for it. He will explain. And which of the 10 money languages do you speak? We’ll find out. Listen at 8 a.m. at Nice 95.5FM KBEK. They stream live at kbek.com. You can get the app Nice 95.5 also. Hear recent shows by going to yoursafemonetshow.com.

Estate Planning Week

 This week October 16th through the 22nd is Estate Planning Week. Estate planning goals and objectives that you might consider include: Provide financial security for your family. Ensure that your property is preserved and passed on to your beneficiaries. Avoid disputes among family members, business owners or with third parties (such as the IRS) . Listen to Saturday's October 21st Your Safe Money Show for more details. Nice 95.5FM KBEK at 8 a.m.

Your Safe Money show Preparing for Medicare Open Enrollment 10 14 23

Content information for Your Safe Money Show October 14th

 For the October 14th Your Safe money Show heard at 8 a.m. at Nice 95.5FM KBEK, Todd will have the “timely” topic: things for you to know to prepare you for Medicare Open enrollment. Also, he’ll have information about unclaimed benefits, what they are and how to locate them. Plus, as important as the financial side of retirement is, having a “plan” for a happy retirement is another part of the puzzle too, and Todd will go into that for us. KBEK streams live at kbek.com. You can hear recent shows at yoursafemoneyshow.com.

Your Safe Money Show AI and the risks of SS fraud 10 7 23

October 7th topics for Your Safe Money Show

 Your Safe Money Show highlights for Saturday October 7th . No matter how often we talk about Social Security, there’s still confusion so Todd will have the top 10 facts about Social Security. We hear a lot about AI (Artificial Intelligence) and Todd will get into the risks in regard to Social Security. And if you just inherited an IRA there are things for you to know. Listen at 8 a.m. at Nice 95.5FM KBEK. They stream live at kbek.com. Hear recent shows by going to yoursafemoneyshow.com.

Best time to book flights for the holidays

 If you plan on traveling by air for the fall and winter holidays, be aware now is the time to book your flight. Here’s what you need to know: data from Hopper says that travelers are seeing cheaper flights this year. Domestic round-trip fares over Thanksgiving are averaging $268 per ticket, down 14% compared to last year. For Christmas, prices are about $400 round-trip, down 12% from last year. Ticket prices will go up as more travelers book their trips and flights come closer to selling out. While there may be some deals available through the end of October, don’t wait it out if you have set travel dates in mind between school or work. Prices will start to rise after about Oct. 14th for both Thanksgiving and Christmas trips. Plan to book as soon as possible, as prices will rise each day as the holidays approach. You may remember last year weather and air traffic disruptions caused a lot of hassles for holiday travelers last year. Given the demand for holiday flights, it’s worth planning with the potential for such delays or cancellations in mind. Take one of the first flights of the day if possible. You’re two times more likely to be affected by flight delays or cancellations after 8:00 a.m. While nonstop flights are often more expensive, they can help travelers bypass the risk of missing connections due to a flight disruption. Travelers might also look into travel insurance, and brushing up on your rights if your travel plans are interrupted. Moreover, if you are not flexible on the specific flight you need to take, “ensure you have a seat on your desired flight. While picking your seat can come at an additional cost with most airlines, it may serve as a peace of mind for travelers. So basically, the next two weeks are an ideal time to book your trip and have the best chance at better prices and choices.

Your Safe Money Show Government shutdown and your money 9 30 23