What is Medicare? Medicare – a most common topic of discussion among those age 65 and older. Why? Medicare can be complicated. People often use the advice and lessons learned from others to support their own decisions. We think it is important for you to have the best plan available for your personal healthcare and …
Insurance
Buying Waterfront Property?
Thinking about buying waterfront property? A second home….and really hoping you can enjoy the view of a pristine lake or the soothing sound of ocean waves? Read on to gain insights on how best to prepare for home ownership on water. Important Considerations for Buying Waterfront Property Access to the water: What type of waterfront …
Healthcare Considerations
Multi-State homeowners may come across some unique healthcare considerations. Here are some important healthcare considerations to keep in mind: Health insurance coverage: Review your health insurance coverage to ensure that it provides adequate protection in all the states where you own homes. Some health insurance plans have limited coverage or networks outside of your primary …
What is Disability Insurance and Why Should You Have It?
Continuing with open enrollment month for your workplace benefits, let’s talk about disability insurance. Many people think about life insurance, especially if they have kids, but not everyone thinks about disability insurance, even though your chances of becoming disabled are greater than dying. According to a report published by the Social Security Administration in August …
What is Disability Insurance and Why Should You Have It?Read More
FSA’s & HSA’s
In my last blog, I talked about health care open enrollment. A few of the options that many employers offer for benefits are Flexible Spending Accounts (FSA) or Health Savings Accounts (HSA). Are you familiar with FSAs & HSAs and how they are used? If not, read on for more information. FSA’s An FSA is …
What Exactly is Open Enrollment?
If you work for someone else, there’s a good chance that you are, or soon will be, in the midst of Open Enrollment season for your benefit choices. This is the period when your employer allows you to adjust or newly enroll in your employee benefits, like health insurance. It’s important to pay attention during …
Why Do I Need Homeowners’ Insurance?
When I sat for the CERTIFIED FINANCIAL PLANNERTM exam I learned way more than I ever wanted to about different forms of homeowner’s insurance (basic form, broad form, etc.) and will now pass the savings onto the consumer! Oh wait, I have listened to too many commercials. But my time loss is your gain as …
The Ins and Outs of Long-Term Care Insurance
Some people think that when they get older and they have to go into an assisted living or nursing home facility, they will just be covered by Medicare or their regular health insurance. Wrong. Medicare doesn’t cover much of assisted living or nursing home stays. Your stay could be covered by Medicaid, which is for …
Life or Health Insurance?
September is National Life Insurance Awareness month. So, this month I’ll be posting about life and health insurance. Should you get life or health insurance? Insurance is…. well, sometimes you just must have it. Nobody really says, “yay, I have to buy life or health insurance!” This blog will cover life and health insurance. There …