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- Introducing: RetireHub Premium
Introducing: RetireHub Premium
Trivia: Which bird is known for its ability to mimic human speech?
RetireHub
January 05, 2026
Rise and shine, RetireHub community! ☀️ Your Monday newsletter is here!
Today we have an exciting announcement. RetireHub Premium officially has a new look and TONS of new features. A few of our favorites?
Daily games (like Solitaire, Snake, Tetris, and more!)
More trivia! (See how you stack up against other RH members)
Medicare Classes!
Personal Finance Classes!
More daily deals!
Daily free e-books!
A job board (with jobs tailored for 50+ year olds)
And we’re building more weekly! We’re really excited about this, and would love for you to test it out risk-free, so we’re giving everyone a free 7-day trial that signs up at the link below:
Top Deals From Around The Web
We find the best daily online deals so you don’t have to!
🔥 23% OFF – VAGKRI Electric Infrared Space Heater (Waterproof & Portable)
Warm up any room quickly and safely with this compact infrared space heater. Designed with waterproof protection and energy-efficient heating, it’s perfect for bathrooms, offices, or small living spaces. Easy to move and operate, it provides cozy comfort without taking up much space.
🧶 15% OFF – SENTRO Upgraded Knitting Kit for Beginners & Seasoned Crafters
Discover or expand your knitting skills with this all-in-one kit, suitable for both beginners and experienced crafters. It includes multiple yarns, needles, and easy-to-follow patterns, making it simple to start new projects. A fun, relaxing way to stay creative and keep hands busy.
🎨 35% OFF – Dual-Tip Adult Coloring Pens with Patterns for Relaxation
Unwind and spark your creativity with this set of dual-tip coloring pens designed for mindfulness and stress relief. Perfect for detailed patterns or larger coloring spaces, they help promote focus and calm. A delightful activity for relaxation, artistic expression, or quiet afternoons at home.
Want even more deals? Signup for RetireHub Premium (risk-free for 30 days) and get the best deals from across the web.
What We’re Reading
Get these e-book deals before they’re gone.
 | By: Hart & Varengo In Istanbul, a deadly assassin wreaks havoc while a rogue Onyx Sector agent defies orders to pursue justice on his own terms. Perry Hall teams up with the skilled and daring Adabelle, navigating the city’s shadowy underworld to track the notorious killer Flick. With high-stakes chases, covert tunnels, and a conspiracy threatening everything, Perry fights not only for justice but for redemption in this gripping espionage thriller. |
Want the best free e-books delivered daily? Signup for RetireHub Premium (risk-free for 30 days) and get the best deals from across the web.
On this day in 1895, German physicist Wilhelm Röntgen announced the discovery of X-rays, a revolutionary breakthrough in medical imaging that allowed doctors to see inside the human body without surgery.
How to Make the Most of a CD Ladder Strategy
For many retirees and seniors, protecting savings while earning steady interest is a top priority. One popular approach is a Certificate of Deposit (CD) ladder strategy—a method that can help you maximize returns while keeping funds accessible. A CD ladder involves dividing your money across multiple CDs with staggered maturity dates. Instead of locking all your funds into a single long-term CD, you invest in several CDs that mature at different times, such as one year, two years, three years, and so on.
The benefits are twofold. First, you gain access to a portion of your funds at regular intervals, which helps with liquidity and unexpected expenses. Second, longer-term CDs typically offer higher interest rates than shorter-term ones, so your ladder balances growth with flexibility. When the shortest-term CD matures, you can reinvest it at the longest term in your ladder, potentially taking advantage of higher interest rates over time.
To start a CD ladder, assess your savings goals and how much cash you want accessible at different points. Then, choose CD terms that align with your timeline. Many seniors opt for one-year increments up to five years, but you can adjust based on your comfort level and financial needs. Remember to compare rates across banks and credit unions, since small differences can significantly impact earnings over time.
While CD ladders offer stability, it’s important to be mindful of potential downsides. Withdrawing money before a CD matures often incurs penalties, so ensure that your laddered funds truly represent money you won’t need immediately. Additionally, consider how rising interest rates could affect reinvestment options. Some seniors combine CD ladders with other low-risk investments, like high-yield savings accounts, to maintain flexibility.
Ultimately, a CD ladder strategy is about balancing growth, accessibility, and peace of mind. It’s a simple yet effective tool to help seniors plan for both short-term needs and long-term financial security. By strategically staggering CD maturities, you can enjoy higher returns without sacrificing the ability to access funds when necessary.
Which approach best fits your comfort level with a CD ladder? |
Yesterday’s Poll Results: Do you still enjoy writing or receiving handwritten letters?
The poll shows that handwritten letters still hold a special place in many hearts. While only 11% write letters regularly, a larger portion—38%—send them occasionally for special occasions, and 41% haven’t written in years but fondly miss the practice. Receiving letters remains appealing too, with 26% enjoying them even if they don’t write, though 30% now prefer digital communication, showing that old-school charm and modern convenience coexist in the world of correspondence.
TOP COMMENTS
“Today's pace is just too fast. But with everyone seemingly in a rush and this technology and now with AI, it's difficult to slow things down a bit and hand write a letter. Personal letters are so much of what it all should be about. For us seniors (I'm 73), with all this technology that many of us don't really "get", if we try to slow things down a bit, we can find ourselves 2-4 days BEHIND where we were... It is SO frustrating!”
“My spouse handles most of the family thank you notes, handwritten of course. I sometimes respond to personal gifts with a handwritten note, but generally offer a personal in person thank you. Fortunately my kids and grandkids are being taught to handwrite thank you notes and I enjoy reading them.”
“As a young girl I had pen pals. I would have summer friends I’d write too during the school year. In high school we wrote letters and sent care packages to Vietnam soldiers.”
“While in the merchant marine back in the 70s, there was little alternative to communicate with the home front, but once “modern” technology became widely available electronic communication took over.”
“My grandchildren used to live near me. They now live a good distance from me. I write a card or postcard to each monthly. This lets them have snail mail, reminds them who I am and that I love them.”
“I have no issue with letter writing, but digital is much quicker, especially when a quick response is required. If it would become necessary, I would have no problem writing letters again.”
“I belong to some penpal groups on Facebook. I write letters weekly.”
“I have poor handwriting and i appreciate spell check.”
“A handwritten letter feels more personal and intimate than the cold feeling of a digital email. Short texts seems more genuine and personal than an email. Perhaps because for me, emails are mostly work or advertising.”
“I had a pen pal from England in the late 60s / 70s. He even came out to my parents house when he was working at a summer camp in NY. Lost touch with him as we got older, but would love to know how his life turned out.”
Life Didn’t Come With a Manual — And That’s the Best Part
Adulthood often turns out nothing like we imagined. It’s a journey full of unexpected lessons, funny missteps, and moments of humility. From assumptions about work, relationships, and parenting to the reality of daily life, we learn more from experience than from any guidebook. Not knowing everything—whether it’s how to handle every challenge or keep track of life’s little details—isn’t a flaw; it’s part of the adventure. Embracing uncertainty, laughing at ourselves, and valuing love and connection make the journey richer, wiser, and infinitely more enjoyable.
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Slang Phrase of the Day
Phrase: Highkey
Meaning: The term highkey means something that is very obvious, openly felt, or strongly expressed—essentially the opposite of “lowkey,” which is more subtle or understated.
In a sentence: "I’m highkey excited for the community center’s dance night this Friday—it’s going to be so much fun!"
Good News of the Day
Divers Get an Unforgettable Surprise When a Giant Whale Bursts Into a Feeding Frenzy
A group of divers in Mexico’s Pacific waters had a breathtaking encounter when a massive Bryde’s whale suddenly appeared during a fish feeding event. While watching a large school of sardines being hunted by predators, the whale surfaced unexpectedly, took a huge bite out of the bait ball, and quickly disappeared back into the depths. The entire moment lasted just about two minutes but left the divers in stunned awe at seeing such an extraordinary natural spectacle up close.
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RetireHub Trivia
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Want more trivia? Play our “Nostalgia Trivia Game” on our site! We add fresh questions daily, so there’s always something new to test your knowledge.
Not into trivia? No worries! We’ve got plenty of other fun games to enjoy, like:
Which mammal is known to have the slowest metabolism? |
What year did World War II end in Europe? |
Which bird is known for its ability to mimic human speech? |
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A QUICK ASK: First off, thank you for reading RetireHub every day. It fills our cup that so many thousands of people get joy from our little publication.
As you know, good content costs money. In order to continue supporting ourselves and to continue delivering the content you enjoy every day, we need to pay our writers. If you can, we ask you to subscribe to our paid account (for $5/month - less than a cup of coffee!) below.
If you choose to purchase a paid subscription, please know you’re supporting not only our publication, but tens of thousands of other 50+ year old Americans that get joy, entertainment, financial tips, and more from RetireHub every single day.
If you don’t join the paid plan (or can’t), no worries at all. We know times are tough. Thank you for being a part of our tiny, joyful part of the Internet.
- Jay
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