Archive for category Healthcare

Protection, Benefits & Accountability: Smart Planning for Start Ups and Small Business

Protection, Benefits & Accountability may not be at the forefront of new and small business owners’ minds, but they should be.   Often ignored and/or glossed over by startups, these components are an essential part of basic business planning and can make the difference between success growth and failure.   You know the old adage: […]

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Why Work With An Advisor?

  There is nothing worse than a home improvement project gone wrong. You waste a ton of time running back and forth to Menards because you know you can do-it-yourself and end up wasting way more money in the long run more often than not. (Been there, done that, more times than I want to […]

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The Need for Self Reliant Health Care

  I came across one of the best articles I’ve seen regarding Medicare funds or rather, the dissension thereof. For anyone over the age of 40, the issues at hand matter – a lot.   The biggest takeaway I got from the article? It is seemingly apparent relying on Medicare to provide like coverage in […]

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Truth in (Insurance) Advertising

  A client, who has their auto, homeowners and umbrella policies through my agency, asked if I still her had her auto insurance because of something she’d received in the mail. I couldn’t imagine what could possibly make her think her coverage had magically migrated to another company and quickly assured her I was still […]

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Proactive Retirement Planning

  I just read an article entitled, “5 Biggest Planning Retirement Mistakes”. The problem with titles like these in general is they are negative, and many times, as misleading as they are disheartening.   Proactive retirement planning on the other hand, is a different workhorse (pardon the pun) altogether. It should be ongoing and positive, […]

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Mature Health: Time Sensitive Changes

This is a MUST READ for Adults 65 & Up, Caregivers, Adult Children and Estate Managers!   New Changes to Part D Enrollment Period   The Annual Enrollment Period (AED) has changed for Medicare Part D plans. This is a big deal for anyone 65 and older because failure to make changes within this period […]

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COBRA Subsidy Goes Bye Bye

  As part of the American Recovery and Reinvestment Act (ARRA) passed in 2009, the Federal Government granted a 65% subsidy for COBRA payments for workers who were laid off between September 1, 2008 and May 31, 2010. This subsidy ends today, September 1, 2011.   What does this mean for those on COBRA? The […]

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The Most Costly Mistake

  According to a new report, “The cost of long-term care services continues to rise”. I don’t think any of us would consider that to be a newsflash by any means; quite the contrary really. Rising healthcare costs are and have been a nationwide topic du jour for quite some time. Why would long term […]

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Planning for Safety, Security & Sanity with Senior Parents

  Brian Tracy, veteran motivational and business guru, writes often about the 80/20 Rule which provides that 20% of virtually all of our activities provides 80% of our results. (Make that link a must read if you haven’t seen it before.) Recently I read a post about the 40/70 Rule which provides: if you’re an adult […]

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Medicare Mix: Costs Affect Us All

My mother-in-law received a $250 check in the mail from Medicare last month. It was her “onetime rebate” for reaching the doughnut hole in her prescription drug coverage – that was for 2010. This year she’ll get a 50% reduction in the cost of brand-name scripts when she reaches the hole. An escalating discount to […]

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