The Stano Law Firm August 2019

The Stano Law Firm August 2019

monthly “You are not alone.”

August 2019

FROM THE DESK OF

Paul Stano

HOW TO GET EVERYTHING YOU WANT AFTER RETIREMENT

Have you seen the research that says the earlier you retire, the longer you’ll live? Researchers found that seven years of retirement can be as good for health as reducing the chance of getting a serious disease (like diabetes or heart conditions) by 20%. But retiring early also means dipping into your retirement savings and that feels risky. So, you’re stuck between a rock and a hard place.

I see this with my clients all the time.

They have any or all of these three goals:

1. To take care of each other 2. To leave something to their kids 3. To live comfortably

SUMMER LOVIN’ 6SummerRom-ComsfortheAges

Until recently, it was difficult to do all three unless you had millions of dollars.

But not today.

One of the best cures for a rainy day in the height of summer is a romantic comedy filled with sunshine, sand, and sappy looks. Here’s the litmus test: If everyone has perfect tans, the ocean is in sight, someone flies off to Europe, or any combination of the three, then it’s the one to cure your cloudy mood. The more tropes and cliches, the better. Just grab a big bowl of popcorn, choose one of the movies below, and settle in. ‘SUMMER CATCH’ Starring Freddie Prinze Jr. and Jessica Biel, this 2001 romp is the classic story of “rich girl meets poor boy.” Prinze plays a minor league baseball player who has sworn off women, but one look at Biel’s character, Tenley, changes his mind. Their first kiss happens within 24 hours, and, though baseball threatens to drive them apart, the film wraps up with a classic rom-com airport scene. It’s perfection. ‘MAMMA MIA’ Set on a gorgeous Greek island, this rom-com/musical checks every box on the rainy day litmus test. Designed around a soundtrack of songs from Swedish rock group ABBA, “Mamma Mia” spins the tale of Donna, played by the incomparable Meryl Streep; her daughter, Sophie, played by Amanda Seyfried; and their incorrigible gang of gal pals letting loose on the island for Sophie’s wedding. When Sophie secretly invites three of Donna’s old flames to the

One of the things I’m really excited about (and have in place for myself) is a little-known leveraged financial solution that blows long-term care insurance out of the water. I cover all of that in my FREE monthly seminars — and I invite you to attend and learn more about this and other options, too.

Call today and register: ( 440) 888-6448 or visit StanoSeminars.com

–Paul

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ceremony with the hope of figuring out which one is her father, things get out of control in a hilarious way.

amnesia wipes Lucy’s memory each day, forcing Henry to win her over again and again. Thanks to the Hawaiian setting, there are plenty of beach scenes to go around.

‘SUMMER SCHOOL’ You’ve never seen Mark Harmon of “NCIS” fame look quite like this. Circa 1987, Harmon plays a handsome yet lazy gym teacher whose plans for a summer in Hawaii are cancelled when he’s forced to teach an unruly group of teens remedial English. When he takes his class on one too many field trips and falls for the history teacher, played by Kirstie Alley, his boss issues an ultimatum: Get all of the teens to pass the big test or get fired. ‘THE SISTERHOOD OF THE TRAVELING PANTS’ This is less a single chick flick and more a series of them crammed onto one disc (assuming you still use DVDs). In this movie, a group of four high school friends who are being forced to split up for the summer bond through a pair of magical jeans that fits all of them perfectly. In their disparate corners and countries, each of the four — played by Hollywood darlings Blake Lively, America Ferrera, Alexis Bledel, and Amber Tamblyn — finds love and learns a bit about herself. ‘50 FIRST DATES’ It’s always summer on the island of Oahu, where “50 First Dates” is set, even when it’s technically October. In this alternately sad and heartwarming film, Henry, played by Adam Sandler, and Lucy, played by Drew Barrymore, fall in love despite the fact that car accident-induced

‘THE PARENT TRAP’

Before Lindsey Lohan took over the tabloids, she was the adorable freckle-faced redhead who played a set of twins in “The Parent Trap.” Separated at birth by parents who split up, Annie and Hallie meet at summer camp and come up with the brilliant idea to swap plane tickets

home. Hilarity ensues as the two girls struggle to live each other’s lives and banish evil stepmother Meredith to get their parents back together. With its unforgettable soundtrack, this timeless rom-com will hold a place in your heart for years to come.

RING, RING —IT’S A ROBOT What You Can Do to Protect Yourself From Phone Scams and Robocalls

Two of the most common scams are phone scams and robocalls. These calls are incredibly annoying and can trick you out of valuable information if you’re not careful. While it might seem like these scams are inescapable, there are some precautions you can take to avoid their traps. GIVE THEMTHE SILENT TREATMENT. One thing you can do to avoid these fraudulent, time-wasting calls is to simply hang up. If possible, it is best to not answer at all. It’s always good to have a list of numbers you can reference, so you never have to guess who is calling. Think of it as going one step beyond caller ID. In some cases, answering and then hanging up can actually do more harm than good. Answering the phone gives the scammers confirmation that the number works and that they should try again. Once your number is confirmed as active, it often gets put on an“active number”list that can then be sold to other scammers who market in these types of phone numbers. If you can’t verify who is calling without picking up, don’t answer. Let it go to voicemail. If it’s important, the person will leave a legitimate message and you can respond afterward.

PUT UP SOME DETERRENTS. You can even go a step further and block the calls. Many phone service providers offer call-blocking options, including AT&T, Sprint, T-Mobile, and Verizon. You can sign up for this service in-store or on your service provider’s website. Each service costs about $4 per month. There are also a number of call-blocking apps available on Android and Apple devices, but if you subscribe to a blocking service through your phone provider, these apps are unnecessary. Finally, you can sign up for the Federal Trade Commission’s“Do Not Call” program (DoNotCall.gov). While the Do Not Call program can help cut back on calls, this list is largely ignored by scammers. If you’re getting a ridiculous number of robocalls every day, signing up can offer you some brief respite. Thankfully, Congress is already attempting to fix this problem by making it harder for scammers to call you. But until they are able to pass tough, effective legislation, it is up to us as consumers to remain vigilant and do what we can to keep our personal and financial >Page 1 Page 2 Page 3 Page 4

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