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Can I create my own filter? Some people buy or create masks with a pocket inside to hold a filter, such as a coffee filter. When using other materials to make your own filter, such as unused vacuum cleaner bags, HEPA furnace filters, HVAC anti-allergy filters or other air filters, make sure you sandwich the filter between at least two layers of fabric to cut down on the risk of inhaling potentially harmful fibers from these materials. There are not yet conclusive data on whether or not filters provide added protection, but studies are underway. Please make sure that you can breathe easily when wearing the mask, and do not use a filter if it makes you feel short of breath. more »

Some Social Security beneficiaries rely on organizations like non-profits or nursing homes to help them manage their benefits. The Social Security Administration monitors these organizations to ensure benefits are not being misused. Yet SSA does not require background checks for key employees of such organizations as it does for relatives or friends that assist beneficiaries. In addition, SSA accounting forms make it difficult to track in detail how these funds are spent. We made 9 recommendations, including that SSA redesign its accounting forms and look into requiring background checks for employees at these organizations. Social Security beneficiaries may rely on non-profits or other organizations to manage their benefits. more »

Learn about the country from the US State Department website, including visa requirements, local laws, customs, and medical care in the countries where you will be. Check for any Travel Advisories for your destination. Enroll in the Smart Traveler Enrollment Program (STEP) to receive important safety and security messages and make it easier for us to locate and assist you in an emergency. Keep the contact details for the nearest US embassy or consulate with you. The State Department is available for emergencies 24 hours a day, 7 days a week, overseas and in Washington, D.C. (888-407-4747 or 202-501-4444). more »

"The idea that you can support a 20-year retirement with 30 years of work is outdated. And can't continue. It's just not sustainable. So as lifespans increase, then if retirements start at the same age, then retirements just get longer and longer. And I think the idea that we can continue to support a longer and longer retirement with — without changing the length of work is unreasonable going forward." more »