Saving YOUR Future

12/13/2025

Medicare 101 Seminar

Turning 65 or already on Medicare? Feeling confused by all the options?

Join us for Medicare 101, an educational seminar designed to help you understand the basics of Medicare and make informed decisions with confidence.

We will cover:

The basics of Medicare Parts A, B, C, and D

Whether you should sign up for Medicare at age 65

What to do if you are still working at 65

How Medicare works if you still have employer or group health insurance

Common mistakes to avoid and key enrollment timelines

📅 Date & Time:
Saturday, December 13, 2025
2:00 p.m. – 3:00 p.m.

📍 Location:
Clear Lake Freeman Library
16616 Diana Lane
Houston, TX 77062
Conference Room – 2nd Floor

📘 Free and open to the public
📖 Educational seminar — no obligation

04/09/2024

Making consistent changes is the best way to become a new, better version of yourself. Whether everyday changes or long-term plans. What are your financial goals for 2024?

03/20/2024

Who will provide your care, and at what cost? Home care can be paid with long-term care protection. https://acl.gov/ltc/basic-needs/who-will-provide-your-care

02/18/2024

Your future will happen, whether you plan for it or not. Don’t pay more later for not planning ahead. Read How.
https://www.aaltci.org/news/long-term-care-insurance-association-news/long-term-care-insurance-cost-of-waiting-index-released

10/20/2022

Individuals will be able to transfer up to $12.92 million to heirs tax-free during their lifetimes or after death, up from $12.06 million this year. A married couple can shield nearly $26 million.

10/17/2022

SIMPLE INTEREST VS COMPOUND INTEREST
Mr. A put $10,000 with 8% SIMPLE interest. He earns $800 every year and gets $18,000 in 10 years. Mr. B put $10,000 with 8% COMPOUND interest. He gets $21,589 in 10 years. You now understand how powerful compound interest can be.

10/16/2022

Compound interest works both ways. It can make you, it can break you. If you owe money, compound interest on your debt can ruin you. As a result, many people keep paying the bill with high interest. Despite numerous payments, the balance of these bills barely goes down because high interest on the balance continues to compound. Sometimes, it feels as if it's impossible to pay the balance off.

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10/15/2022

THE MAGIC OF COMPOUND INTEREST
Investing is not gambling. You must understand how money works. One of the most important discoveries in finance is the Rule of 72. It shows you how to calculate the effect of compound of interest with a very simple formula: Take 72 and divide it by the rate of return. The answer is the years it takes to double your money.

10/14/2022

TIME IS MONEY
When many people are young, they think they have a lot of time to save. Then they get married, have kids, and buy a house. With a mortgage and new expenses, money becomes tight. As they enter mid life, their children go to college, and tuition takes a big bite out of their budget. Soon they will join the majority of people approaching retirement with little to no saving. They know they must save. Now they say it's too late. Many wonder: what if they had just put aside $100 or $200 a month when they are young? They could have accumulated significant assets today. Don't wait. Start to save as much as you can, as soon as you can.

10/11/2022

SMALL CHANGES, BIG MONEY
Spending is a habit, so is saving. What if you could make small changes to your spending habits and start saving $10 a day. That's $300 a month. If invested at 8% for 30 years, that would be $447,000. These are sizable amounts for your retirement. Can you cut down on some personal luxuries now to reap greater benefits in the future? Things like soda, bottled water, ci******es, cable TV, new phones, high-end gadgets, shopping, fancy cars, eating out, partying. It's not what you earn that counts. It's what you keep.

10/10/2022

BUY ONLY WHAT YOU NEED
Shopping can become an addition. Buying on-sale items don't always mean you are saving. It could be that you are buying things that you don't necessarily need. Know the difference between what you really need and what you want. Is it truly essential or simply a desire?