FEMA's Generous New COVID-19 Program

And What is Dogecoin?
Money
Retire with Money
Elizabeth O'Brien
FEMA recently announced a program to help families who loved lost ones to COVID-19 with funeral expenses. The pandemic has taken such a staggering toll on the country that there are hundreds of thousands of eligible recipients. And scammers will no doubt race to prey on the grieving. I imagine them scouring newspaper obituaries and reaching out to families who have lost loved ones to COVID-19, pretending to be from the government and asking for sensitive information to process the payment. If you get such a call, report it to the authorities. FEMA has said it won’t proactively reach out  to potential applicants. You must call the agency to apply. Learn more about the program in today’s edition, and remember: as a general rule, government agencies (FEMA, IRS, Social Security Administration) don’t call people out of the blue.

Best wishes,
Elizabeth

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TIMELY RETIREMENT NEWS, INSIGHTS, AND ADVICE
 
A Beginner's Guide to Dogecoin


Learn about the cryptocurrency that started as a joke and is now worth billions.
 

RETIRE WITH MONEY COMMUNITY NEWS
In Friday’s newsletter, I wrote about the sometimes unexpected costs of moving to Florida: running your A/C nearly year-round and flood insurance. A reader wrote in about his experience moving to the Sunshine State from New England. Many thanks to “JohnK’ of Bonita Springs, a retiree and 13-year Florida resident, for sharing:

“The cost of cooling our Florida house during the summer is far less than the cost of heating our house up north during winter.... In addition, the cost of electricity in Florida is less than northern states, plus we now avoid the high cost of home heating oil.
 
We live a few miles inland in an area where we don’t need flood insurance, but still close enough to hit the beaches when the mood strikes. There is no state income tax in Florida. Sales tax in our area is 6.5% and our property taxes are less than our previous home up north. We are financially ahead during retirement!

I would like to add a couple of other pluses. We were not sure about the quality of medical care but have found it to be comparable, and in some ways better, than New England. Also, since Florida is a popular destination, airfares are very affordable to visit our daughter & grandkids in Virginia, and getaways trips to friends and favorite places in New England. Last, we like to go on cruises. Being retired we can take advantage of last-minute deals without having to worry about travel time and costs to fly here. We are within a two-and-a-half hour drive of three cruise ports:  Tampa, Fort Lauderdale, and Miami. We look forward to cruising again when the virus finally subsides.”
RETIREMENT NEWS FROM AROUND THE WEB
7 Dividend ETFs to Buy And Watch for 2021
These funds offer income-focused investors an easy option. INVESTOR’S BUSINESS DAILY
OPINION: Doctors Should Be More Candid With Their Patients
After her own experience as a patient, a doctor realizes that physicians could be more forthcoming in giving their patients advice. NPR
The 3 Big Mistakes People Make Filing Long-Term Care Insurance Claims
A specialist shares issues that trip families up when they’re seeking to tap their policy. NEXT AVENUE
Where Can Americans Travel Right Now?
More than 50 countries are welcoming Americans right now, but restrictions apply. U.S. NEWS & WORLD REPORT
Elizabeth O'Brien is deputy editor at Money. She has covered retirement and health care for nearly a decade. A Brooklyn resident and mom of two boys, she navigates the alphabet soup of Medicare and the New York City subway system with equal ease. You can email her at elizabeth.obrien@money.com and follow her on Twitter at @elizobrien.

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