Gateway Financial Partners

Neil Manning

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Student Success Scholarship Ideas for College and University Tuition Fees for education

I Survived the New FAFSA

For the past 34 years, the primary process to apply for federal financial aid for college has been by completing the Free Application for Federal Student Aid (FAFSA).  And for 34 years, filling out the FAFSA has been about as much fun as a trip to the dentist.  But hope springs eternal – the Department […]

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Social Security Part 3 – Insolvency

In the first two parts of this 3-part blog, we discussed how much money you could get from Social Security based on your work history and family situation.  But what if the Social Security trust fund isn’t there to pay your full benefits?  In this blog, we discuss what happens when Social Security goes insolvent

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Social Security Part 2 – The Exceptions

In part 1 of this 3-part blog, I outlined how to understand the Social Security benefits you could be eligible for based on your own earnings record.  But it is possible that you could be eligible for more benefits based on your current or former spouse’s earnings record instead.  So, let’s look more closely at

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Social Security Part 1 – How to Read Your Statement

Americans love the royal family.  And I’m English (my mom was born and raised there) so let me try to spice up the topic of Social Security with a royal family metaphor.  Social Security is like Prince Harry – widely known but never fully understood.  I cannot figure out what Harry is doing right now,

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Senior couple embracing in autumn park - pursuing enough money

Disciplined Pursuit of Enough – A Case Study

In my last blog, I argued the benefits of pursuing enough money, rather than always striving for more. In this blog, I hope to illustrate some of the benefits of this through a case study.  All names have been changed to protect the innocent (and very contented) couple. Several years ago, I got a call

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Silhouette of happy family walking in the meadow at sunset -

The Disciplined Pursuit of Enough

The word enough gets a bad rap.  Teachers will yell “That’s enough!” at their unruly students, or we might declare “Enough is enough!” when dealing with a loved one who has just pushed the limits too far.  But I am here to espouse the benefits of enough. We live in a world that emphasizes the

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Electrical hazard sign. High voltage electricity on a railway station

Shocking News: Your Electricity Rate May Have Just Doubled!

If you live in Connecticut like I do, you have gotten used to a high cost of living, including high energy rates. But the latest change in our electricity rates is shocking (pun intended) even by CT standards. On 1/1/23, the standard residential electricity rate for Eversource customers went from $0.12 per kWh to $0.24.

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