How to Hire a Caregiver | Social Security Earnings Tests for 2024 | 3 Medicare Changes for 2025

Best Places to Retire in the World | Three Medicare Changes on the Horizon for 2025 | How to Hire a Caregiver Created for {EMAIL} | [Web Version]( August 5, 2024 CONNECT WITH KIPLINGER  [LinkedIn]( [Facebook]( [X]( [Youtube]( [Instagram]( [Retirement Tips]( [SIGN UP]( ⋅ [WEBSITE]( [] Where To Retire [] [Best Places to Retire in the World]( [Best Places to Retire in the World]( (Getty Images) The U.S. can be a tough place to retire, with an expensive health care system and high housing prices. These [top ten countries for expat retirees]( have affordable health insurance and a good standard of living. But before you pack up, remember that you can't move away from inflation, as it's a global issue right now. [] Medicare Gets A Bit Better [] [Three Medicare Changes on the Horizon for 2025]( [Three Medicare Changes on the Horizon for 2025]( (Getty Images) These Medicare improvements should help [curb some prescription expenses]( and shady marketing techniques. If you are or will be on Medicare in 2025, you'll see a lower out-of-pocket maximum for your Part D Prescription drug coverage. [7 Secrets About Hiring a Financial Advisor]( Working with a financial advisor can be a crucial part of any healthy retirement plan. But choosing the wrong one could wreak havoc. Check out these 7 secrets comfortable retirees know about hiring an advisor, so you can work to potentially save years of stress. [See the list]( ADVERTISEMENT [] Getting Help for a Loved One [] [How to Hire a Caregiver]( [How to Hire a Caregiver]( (Getty Images) When a loved one needs a little (or a lot of) help, take heart. You have options. Here's where to [start looking for the support you need](. [] Where to Bank in Retirement [] [Best Banks for Retirees]( [Best Banks for Retirees]( (Getty Images) These banks and credit unions offer full-service branches, free personal checks and some attractive savings options, so [retirees should be able to find a suitable account](. [6 Things Not to Do When Selecting a Financial Advisor]( Working with a financial advisor can be a great first step to helping make sure you're on track to reach your retirement goals. But choosing the wrong one could wreak havoc. Check out these 6 things not to do when choosing a financial advisor, so you can work to potentially avoid years of stress. [See the list]( ADVERTISEMENT Featured Content Sponsored Content from Kiplinger Retirement Planning 2024 [Plan and enjoy a worry-free retirement.]( Whether you've already left the workforce or you're just beginning to think about it, [Kiplinger Retirement Planning 2024]( will show you how to maximize your 401(k), select top-performing investments, get the most from Social Security, protect your estate, ensure affordable top-notch health care and much more. [Click to see table of contents.]( [] Travel Savings [] [Best Places to Visit Where the Dollar Is Strong]( [Best Places to Visit Where the Dollar Is Strong]( (Getty Images) From the Americas and Europe to Africa and Asia, we list the 10 best travel destinations where the U.S. dollar is strong. So [take advantage of the exchange rate]( with these countries' currencies on your next trip. [How to Reinvest in Real Estate Without Getting Taxed]( Investors and their heirs can benefit from this tax-friendly strategy. When investors sell the property for a profit, they can be hit with a hefty capital gains tax— unless they take advantage of a 1031 Exchange. [READ MORE]( ADVERTISEMENT [] Have You Done the Social Security Earnings Test? [] [Social Security Earnings Test: Five Things You Must Know]( [Social Security Earnings Test: Five Things You Must Know]( (Getty Images) You might be in for a bad shock if you don't [pay attention to how your age and work status affect your Social Security benefits](. If you're still working and claim Social Security early, your benefits could be reduced, at least temporarily. [] RELATED KIPLINGER ARTICLES WE THINK YOU'LL ENJOY [] [Estate Planning: 10 Things You Must Know]( Here are the ten basic things you need to know about leaving a legacy. [Why I'm Keeping My Amex Gold Card Even With a Higher Fee]( Our Senior Digital Editor tells it like it is. No Gold Card? There's a great welcome offer. [Sign up free for A Step Ahead: Guidance on how to navigate today’s challenges to business, the economy, and financial markets.]( ABOUT KIPLINGER When we write about money, we get it right. So the decisions you make with your dollars are also right. 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