What are you willing to pay for peace of mind?

Enjoying Peace of Mind comes at a cost. Just imagine not having to worry about life’s “what if’s”: What if I get hurt or sick and can’t pay my bills? /What if some nitwit plows into my car and kills me? What happens to my spouse and kids?/What if my money runs out before I […]

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Building Hedges

Landscapers recommend building hedges around property offering protection to landscaping should harsh weather arrive, not always completely saving it but at least allowing it to survive. Prudent people also erect financial hedges to protect their personal estates. Cash is king and cash flow is vital to supporting your way of life. Take a look at […]

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How Much Life Insurance Do I Need? Maybe that is the wrong question!

Who gets left holding the financial bag if your life suddenly ends today?…your spouse, your kids, your business partners? Let’s keep this to your immediate family. Question: Who pays the bills when you can’t…because you are dead…which bills?…well, rent or mortgage, power/water, groceries, car loans, roof/repairs to your home, credit card balances, ISP/cable TV provider,health […]

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Obamacare is Fading but Not Going Anywhere until 2019

New tax legislation does away with Obamacare’s mandate that one must be covered by health insurance or pay a fine (“tax”… thank you Chief Justice Roberts), with exceptions. BUT, the tax does not go away until January 1, 2019. Most other Obamacare rules and regulations remain in place for now…like a nagging back ache that […]

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Get Your Ducks in a Row for the New Year

For most of us the week between Christmas and New Years Eve provides a few days to decompress, make some plans for the coming year, review and toss or delete old files, set goals and objectives for the next several months, recharge and seize the new day coming. Be sure to include a conversation with […]

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Aging Into Medicare Soon?…Some Information You Can Use

If you are approaching age 65, start doing your homework on Medicare now. Visit Medicare’s web-site: www.medicare.gov. That resource has been around for many years and contains a treasure trove of information important to you, written in easy to understand language…no cumbersome “government speak”. Medicare pays a significant portion of Medicare beneficiaries’ healthcare expenses; however, […]

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Qualifying for Medicare Soon?

Most of those reaching age 65 this year and those having received Social Security Disability Benefits for at least 24 months may qualify for Medicare benefits. There are always exceptions, but let’s skip those for the moment. If you have been receiving Social Security Disability Income Benefits for at least 24 months, you will be […]

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Health Insurance in 2017: One Foot on the dock…One Foot in the Canoe

Fact of life: The Republican nominee won in November and was inaugerated on January 20th. Nothing is going to change that, so all of us must move on with our lives, look ahead and concentrate on doing what is best for ourselves and our families, control what we can control and worry less about things […]

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After January 20, 2017, will we dwell in Obamacare Limbo?

January 20, 2017…a new sheriff in town…what to expect? Well, what not to expect will be immediate rescission of the Patient Protection and Affordable Care Acts of 2010. Doing so would create an earthquake of uncertainty and disruption in the country. Look for congress and the president to take a more measured approach to dismantling […]

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True or False….My Health Insurance Covers Me Everywhere

Answer: It Depends…Read your policy If your health insurance is a Health Maintenance Organization (HMO) plan, you must secure your healthcare services from that insurance company’s network of health care service providers in your home service area, unless your health problem is a life-threatening emergency situation. HMO members may, or may not, have access to […]

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