In general, the lower your balances relative to credit limit, the better. Credit experts suggest keeping this ratio at 25% or less, but if you are trying to improve your score, you may want to aim for no more than 10%. (You do want to use at least one of your credit cards, though.
Medicare is the federal government health insurance program for people age 65. and older and people with disabilities. As the baby boomers age and more. Americans become eligible for Medicare, there is a great need for information. about how employer-based coverage coordinates with the Medicare program.
Who needs to apply for Medicare? You may not need to sign up for Original Medicare, Part A and Part B, but you may have options about the type of Medicare coverage you receive. To be eligible for Medicare, you must be either a U.S. citizen or a legal permanent resident of at least five continuous years. Generally, if you're receiving Social Security or Railroad Retirement Board (RRB) benefits, you'll be automatically enrolled in Medicare when you turn 65.