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What’s Medicare supplement (Medigap) insurance?

Medicare supplement (Medigap) insurance can help pay some of the health care costs that your Medicare Part A and B doesn’t cover, like copayments, coinsurance, and deductibles. With a Medigap, you can keep the same doctors, you are still in the Medicare program, and you have all of your Medicare rights and protections. There are […]

To Carb or Not to Carb

For years you’ve heard that it’s best to stick to a low-fat diet if you want to lose weight.  Well, a new study conducted by the National Institute of Health and published in the Annals of Internal Medicine, found that people who avoid carbohydrates and eat more fat, even saturated fat, lose more body fat […]

Open enrollment around the corner: Time to review your insurance needs

As we enter year two of the Affordable Care Act (ACA) also known as the Obamacare, many of the largest insurance carriers are expanding into new markets and offering additional products on the government-run exchanges One reason for the increase in choices is that insurers are anticipating more competition with consumers potentially looking for a […]

Looking to downsize?

Here are some things to consider Moving to a smaller place? Over time, we tend to accumulate stuff. We have drawers filled with things we never used, furniture we don’t really need and stuff that we’ve had hidden away and forgot about. Now is the time to get rid of excess baggage and pare down […]

As your life changes, so do your insurance needs

Whether you’re about to get married, have your first child or grandchild, send a kid to college or retire, protecting your assets with right amount of insurance coverage is key. You’ve heard it before and we’ll say it again, it’s a good idea to review all of your policies annually and, especially when you experience […]

Eight Effects of Sleep Loss

Are you getting enough sleep?  You know that lack of sleep can make you grumpy and foggy. But did you know it can affect your memory, health, looks, and even ability to lose weight. Here are 8 surprising — and serious — effects of sleep loss. Lower stress threshold. When you’re tired, routine activities, such […]

Turn an IRA into a Tax-Free Legacy

Tax bills are not how you want your family to remember you. Yet, if you aren’t using an IRA for income and plan to leave it to a loved one, the gift is 100% taxable. Because tax law requires annual IRA distributions starting at age 70½, consider using your Required Minimum Distributions (RMDs) to pay […]

Finding the Bike for You

Are you seeing more and more bikes around you?  Are you thinking of riding to get some low-impact exercise, but you’re not sure what type of bike fits you best? Start with a visit to your local bike shop and talk to the employees. Then, don’t be afraid to take a test ride around the […]

3 Frequently Asked Questions about Long Term Care Insurance

Q: What is the right age to buy LTC insurance? A: This is an important decision, based on many factors. Most people think about long term care insurance when they are close to retiring. Others buy it through an employer much earlier. Keep in mind that premiums are much lower for people in their 40s […]

What 10,000 Steps a Day Means to Your Health

The concept behind 10,000 steps a day is simple––it’s about keeping you moving for your own good. According the American Heart Association, being physically active is important to prevent heart disease and stroke, two of the nation’s top killers. To improve overall cardiovascular health, they suggest exercising at least 30 minutes a day, five times […]

We are the Sandwich Generation: What does that mean?

Have you heard of the term “The Sandwich Generation?”  Well, if you haven’t yet, then there is a good chance that you will start to hear it more and more.  It’s possible that you’re a member of The Sandwich Generation and don’t even know it. So, what does it mean? The Sandwich Generation is a generation […]

Critical Illness Insurance: A Story of Compassion

Critical illness insurance was created in 1983 by Dr. Marius Barnard, a cardiac surgeon, in South Africa. Time and again, Dr. Barnard witnessed the financial difficulties that his patients suffered when they were treated for a critical illness. He saw the need for an insurance plan to pay a living benefit to offset the patient’s […]

5 Things to Consider When it Comes to Car Insurance

Understanding the basics of car insurance can be difficult enough, let alone the details involved with the guidelines, policies and the procedures of today’s insurance providers. To help you, we’ve outlined some important, yet little known, insurance facts, so that you’re up to speed when it comes time to renew your policy. 1: Your credit […]

Are You Ready for Your Trip Overseas?

You’ve talked and planned for your BIG trip for months. You might be going someplace exotic and far away or you’re traveling to your favorite destination overseas. Whichever the case, here is a check list of things to consider as you make final preparations. Getting There Do You Have All Required Travel Documents? Most U.S. […]

Five Insurance Types You Probably Didn’t Know Existed

We all know life insurance, auto insurance and homeowners insurance. And, most likely, you have one, if not all of these types of coverage. But there are a number of other types of insurances that although a bit obscure, are extremely important depending on what you do or who you are. Here’s a list of […]