A score of 26 is considered normal.  President Donald Trump did better than that — he aced it and got 30 out of 30. 

The  30 point test takes about 10 minutes. 

Montreal Cognitive Assessment

The Dow Jones industrial average advanced 220.74 points to close at 25,295.87.

The S&P 500 climbed 0.7 percent and finished at 2,743.15, with tech stocks rising 1.2 percent.

The Nasdaq composite gained 0.8 percent to 7,136.56.

Social Security recipients will be getting a 2 percent cost-of-living adjustment (COLA) in 2018, the biggest increase since 2012.

This year, 42 million retirees are receiving Social Security payments averaging $1,377 a month, or about $16,524 a year. With the 2018 COLA, payments will average $1,404 a month, or $16,848 a year.

The 2018 COLA could be crimped by higher Medicare Part B premiums. The standard premium is now about $134 a month, but many participants pay about $109 a month if they have the fee deducted from monthly benefit payments. A “hold harmless” provision in federal law prohibits Medicare from raising a person’s Part B premiums if it reduces their Social Security benefits. For the past two years, most Medicare beneficiaries have been held harmless because, without a significant COLA, increasing their premiums would have resulted in lower Social Security benefits.

• According to Fidelity figures given to the New York Times, the number of women who are 401(k) millionaires has doubled over the last 12 years. 
• Women also reach the million-dollar mark at an average age of 58.5, whereas men reach the same mark at around 59.3 years.
• These 401(k) millionaire women are putting away 18.1% of their salaries and receiving a 6.8% employer match. 
• If you want to increase your 401(k) savings, try to up your contribution, take advantage of employer match, and allocate some of your bonus to retirement.

Forget about leaving the workforce at age 63.

"70 is the new retirement age," personal finance maven Suze Orman writes on Money. "Not a month or year before."

She points out that Americans are living longer, meaning your retirement savings need to last longer: "You likely have plenty saved up to breeze through 15 years or so of retirement. But, people, if you stop working in your 60s, your nest egg might need to support you for 30 years, not 15."

The Internal Revenue Service has raised the contribution limits for employees who participate in 401k, 403b, and most 457 plans to $18,500 in 2018, up from the current limit of $18,000.

During the enrollment period, clients can sign up for original Medicare Parts A and B.  Part A is free and covers hospital costs.  Part B has a monthly premium and covers outpatient services.  During initial enrollment, new beneficiaries can also enroll in a Medicare Part D prescription drug plan and select a supplemental Medigap policy to pay for costs such as Medicare's annual deductibles and co-payments.

About one-third of medicare beneficiaries forgo the original Medicare route and and opt instead for a Medicare Advantage plan, also knpwn as Medicare C, which includes all the hospital-iztion and outpatient services of original Medicare and often offers prescription drug coverage, too.  Most Medicare Advantage plans restrict access to in-networkhealth-care providers.

Here's a valuable tool to help you find gas during Hurricane Irma

GasBuddy.com

People 55 and older own 53 percent of U.S. owner-occupied houses, the biggest share since the government started collecting data in 1900, according to real estate website Trulia. That’s up from 43 percent a decade ago. Those ages 18 to 34 possess just 11 percent. When they were that age, baby boomers had homes at almost twice that level.

Make sure to understand how intererest rates affect your individual bonds and bond funds.

Here's a helpful video.