25% more hydrated skin in 15 days. Pique's Radiant Skin Duo (Sun Goddess Matcha + B·T Fountain) supports glow from within. Through Oct 11, get a free Nectar Sweetener with any $115+ order. Shop Pique Week → Silver Miners Have Outrun Silver Since 2020 That gap is the leverage our research team focuses on. When silver rises, a producer's net asset value can rise much faster, and share prices tend to follow. It works in both directions, and a mine is only as good as the company running it. The Ultimate Silver Playbook shows how the team separates the miners worth owning from the rest, and which silver stocks are on its watchlist now. It's free. | Rise and shine, RetireHub community! ☀️ Your Wednesday newsletter is here! | Today we’re sharing smart tips on Digital Forms and Online Applications Made Simple, along with the best deals, fun trivia, and more! |
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| | | | What We’re Reading | Get these e-book deals before they’re gone. | | Seeking Forever (The Seeking Series Book 1) | By: Chas Williamson | Kaitlin achieved every goal, except finding someone worthy. Every man she loved used her. This time, could she find true love? Despite a mutual attraction, their relationship is like oil and water. Road life is miserable. But everything seems to change on the worst night of Kaitlin’s life. Can they overcome their differences or move on? | | | | | | Get it now for $0.99 on Kindle! |
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| What We’re Reading | Get these e-book deals before they're gone. | | Wild Mind (Tye Caine Wilderness Mysteries Book 3) | By: David Barbur | When a frightened mother asks woodsman and tracker Tye Caine to find her missing son, he can’t say no. The search takes him deep into the wilderness of the Cascade Mountains, where he finds a group of people who want to live a wild life. The only catch is that one of them might be a killer. | Get it for just $0.99 today! |
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| | Conversations: Wisdom My Clients Taught Me | By: Richard E. Calhoun, PhD | Unlock the clinical wisdom of forty-one years in the therapist’s chair with a guide that strips away the mystery of mental healthcare. We often treat our emotional well-being like the "unwanted Cinderella" of health, hiding our struggles behind a mask of shame while our well being and relationships silently fracture. If you have ever felt like you are just "going along to get along" or found yourself repeating the same painful family patterns, you are not alone. | $7.99 — Get it for just $2.99 today! |
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| Dear Joanne | Your questions, her wisdom — Joanne’s here with thoughtful advice, warm humor, and a listening ear for whatever’s on your mind. | | This past week, Jennifer from RI wrote to me asking the following question: | Dear Joanne: I am close to retiring and am afraid I am not fully prepared. Could you please ask your readers two questions: (1) What is the one thing you should have done before you retired; and (2) What is one thing you weren’t prepared for once retired? I am trying to cover all my bases. — Jennifer, RI | Well, I am sure my readers out there can contribute something to help Jennifer be prepared for this next stage in her life. Email me your suggestion for Jennifer at [email protected]. Next week I will publish YOUR suggestions. | In the meantime, I’ve come up with my thoughts as I have retired once and rejoined the workforce after that, so I have experience on both sides! | Before you leave the office for the last time: | Use your PTO and vacation days before you give notice! They may take them away from you once they know you are leaving. Besides, what better way to get stuff done and prepare while you are getting paid. Prepare while on the clock! | Practice being home ALL DAY, EVERY DAY. Many retirees imagine endless relaxation. Some marriages thrive. Others invent errands. I hear a large percentage of retired people suddenly become experts on the layout of the nearest grocery or hardware store. | Clean out your desk BEFORE the final day. If you wait, you will be rushed and forget things… or worse, leave things you don’t want anyone to find. Like the 19 ketchup packets you had in the top drawer; the mysterious key you kept for seven years but you can’t remember what door or cabinet it goes to; the instruction manual for the printer that was taken away and replaced with the all-in-one copier/printer/camera/sorter/stapler/stamper which has taken over the entire copy center. | Be prepared so the person sitting at your desk next will be able to function (not nearly as good as you, of course). Write down the 437 passwords you use daily, folder names where files are stored, and maybe a map of where everyone sits so the new person can reference. | Take another “sick” day. You’ve earned it. | Figure out what your contributions were to your company. If anything, it will remind you how valuable you are in any circumstance. | Get in shape before retirement. For decades you’ve thought: Once I retire, I’ll exercise every day. Retirement arrives. You buy new sneakers. You buy matching exercise clothes. Then you take a nap. Naps always win. | Appreciate how fast your work life passed by… That first day feels like it was last Tuesday. One minute you are just learning where the bathrooms are. The next minute they are presenting you with a plaque and asking what your next plans are. | Say goodbye and don’t look back. You’ve made the right decision. | Retirement is not the reward for having finished everything. It is the reward for surviving all the meetings that should have been emails. | So — for those of you out there who are already retired, Congratulations! If you haven’t retired yet, maybe write down your passwords, take a few of the “good pens” and use a sick day. | Don’t forget to email me this week at [email protected]! You certainly make my day when I hear from you! | Joanne | |
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| | | On This Day in 1916, Georgia Tech delivered the most lopsided win in college football history, crushing Cumberland University with a jaw-dropping 222–0 score. That’s not a typo—it’s the kind of scoreboard that makes you blink twice and check your glasses. | Legend has it, Cumberland barely had enough players and Georgia Tech’s coach, the legendary John Heisman (yep, that Heisman), insisted the game go on anyway—partly to teach them a lesson for a past baseball slight! Let’s just say... lesson learned. |
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| Digital Forms and Online Applications Made Simple | Filling out forms used to mean stacks of paperwork, smudged ink, and maybe a trip to the post office. These days, though, more and more services—from government agencies to doctor’s offices—are moving their paperwork online. And while that can feel overwhelming at first, learning a few simple tricks can turn a digital headache into a smooth, stress-free process. | Why Everything’s Going Digital | Organizations are shifting to digital forms to speed up processing times, reduce waste, and help users complete paperwork from the comfort of their own homes. That means less time spent in line or on the phone, and faster responses for things like appointments, service requests, or benefits applications. The catch? You often need to navigate new systems, create accounts, or upload documents—all of which can feel intimidating. | Tips to Make It Easier | Start with the Right Browser
Many websites work best on Google Chrome or Safari. If a form isn’t loading properly, try switching browsers or making sure yours is updated. Gather What You Need First
Before you start a form, take a moment to scan the page for a list of required documents or information. Having these ready in advance will make the process quicker and reduce the chance of losing your progress. Use Autofill Carefully
Your device might offer to “remember” your name, address, or email. While this can save time, always double-check what it fills in—especially if you're helping a friend or family member. Save or Screenshot as You Go
Not all online forms let you “save and return later.” If you're worried about losing your place, take a quick screenshot or jot down your answers in a Word document so you can copy and paste if needed. Ask for Help When You Need It
Many libraries, senior centers, and community tech support programs now offer help with online forms. Some services also provide phone numbers you can call for step-by-step guidance.
| The Bottom Line | Digital forms don’t have to be daunting. With a little prep and some patience, they can actually make life easier. And once you've done it once or twice, you might find yourself breezing through them faster than expected. | How Do You Feel About Filling Out Online Forms? | |
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| From the RetireHub Archives: How Prepared Are You for Inheritance Planning? |
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| | Looks like most of us are thinking ahead—but not quite finished yet! Over half of readers have started planning their estates but still want to learn more about taxes, while nearly one in five haven’t begun at all. The good news? You’re not alone. Plenty of folks are still finding their footing when it comes to inheritance planning—and a little guidance can go a long way toward peace of mind. | OUR FAVORITE COMMENTS | “Retirement plan has been in place for several years with annual and quarterly reviews with financial advisor. Just in the beginning stages of obtaining a trust and hadn’t thought about tax implications to the heirs.” “I am so confused on trusts. I go to seminars and even took a class on trusts. Some say waste of money, others say you need them. That’s why I sit in limbo.” “I've got a will and life insurance so everything goes to my son or granddaughter if my son is gone. They will have to figure out the taxes.”
| | Thinking About Renting to a Friend? Here’s What to Know First | It can feel like the perfect solution—help a friend who needs housing while earning a little extra income yourself. But sharing your home or property with someone you care about takes more than goodwill; it takes clarity and communication. Before you hand over the keys, talk through the details that really matter: rent amount and due dates, how bills are handled, noise, guests, chores, pets, and even how shared spaces will be used. | Putting expectations in writing—whether that’s a simple email or a basic rental agreement—can help prevent awkward misunderstandings later. Think of it as protecting both your friendship and your finances. With honesty, boundaries, and a bit of planning, it’s entirely possible to enjoy the best of both worlds: steady rental income and a friendship that stays intact long after the lease is up. | READ MORE | |
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| Follow us on Social Media! | Join an online community thriving in retirement! Find us on: | | Every day we post retirement tips, highlights from our newsletter so you can comment and discuss in the community, and some fun retirement-themed motivation! | |
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| Slang Phrase of the Day | Phrase: Corecore | Meaning: An internet aesthetic that combines quick, emotional video clips or images—often unrelated—to express deep feelings about modern life, loneliness, or nostalgia. It’s a collage-style trend that reflects how overwhelming and heartfelt the online world can feel. | In a sentence: “My granddaughter showed me a corecore video that mixed old home movies, news clips, and music—it actually reminded me of flipping through decades of photo albums in just a minute.” | |
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| Good News of the Day | Oldest Man in Oregon Credits Clean Diet and “Good Mind” for Reaching 108-years Young | A man who’s believed to be the oldest individual in the state of Oregon recently rung in 108-years-young with a cake and some words of wisdom. “You don’t know what it’s like to be 100-plus. I’ve found out and I like it!” the Birthday Boy said beneath 3 large blue balloons forming 108, with […] | READ MORE | |
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| | Your next book, read to you | Audiobooks turn a long walk, a drive, or an evening in the garden into reading time. Audible's 30-day free trial lets you try it with a full audiobook — and you can cancel anytime, no strings. | | |
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| Other Publications We Like | Check out these other email newsletters we think you’ll enjoy! | | |
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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: | |
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| Who was the first woman to serve in a U.S. Cabinet post (Secretary of Labor, 1933–1945)? | | Which band scored the 1979 No. 1 hit “My Sharona”? | |
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| Which game show’s 1972 revival was hosted by Bob Barker and used contestant-called bids on prizes? | | 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 | → Support Our Writing ← |
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| **RetireHub may receive affiliate compensation for links clicked within this newsletter. | ***RetireHub may share poll results with advertisers. |
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| 🏆 Best Poll Reply of the Week | After you vote in today’s poll, tell us why in the comment box. Every week our editors pick the best written reply, and the winner gets a $25 Amazon gift card. We’ll email the winner directly and may share the winning reply (first name and last initial only) in a future issue. | No purchase necessary. US residents 18+. Official rules. | |
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