Saving YOUR Future

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

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

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.

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.

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.