Now use your Smartphone / IPads as a Walkie Talkie!
You might think that we’ve exhausted every variation on electronic communication — text, audio, video — but you’d be wrong. A new one is quietly winning over millions of gadget fans. They’re free apps with names like Voxer, HeyTell and Zello, and they really do mess with the rules of the game. --------Zello, HeyTell and Voxer Make Your Smartphone a Walkie-Talkie - David Pogue - NYTimes.com
NATIONAL COUNCIL OF FIRST RESPONDER CREDIT UNIONS RETIREMENT READINESS Making the Most of the Final Five Years Before Retirement A practical planning guide for first responders, credit union volunteers, employees, and their families Five years before retirement is an important checkpoint. It is the time to confirm what you have saved, understand the income you can expect, and decide whether your retirement plans match the life you want to lead. 1. Review Your Retirement Savings Start by taking a fresh look at your retirement accounts, personal savings, investments, and other assets. A retirement calculator can help estimate whether you are on track and show how additional saving during the next five years may strengthen your plan. 2. Identify Every Source of Retirement Income List the income you may receive in retirement, including pensions, Social Security, retirement-plan withdrawals, invest...

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