Search Results for: blog long term care insurance options to consider

When Veterinary Euthanasia is O.K.

In an old episode of “The Office,” Dwight puts his girlfriend Angela’s beloved cat in the freezer. He does so because the cat is ancient and has so many medical issues that it’s barely alive. Dwight lives on a farm, and as he tells a devastated Angela, “sometimes farm people have to do what city folk are too weak to.” Obviously Dwight’s actions on the show are horrible (and played for comedic effect), but they raise an interesting question: Dwight genuinely thought he was doing what was best for the cat and he did it in what he considered a … Continue reading →

Things To Know About Insurance Brokers

Navigating through the jungle of health insurance options can be overwhelming. Many people are using the services of insurance brokers to help them make informed choices about health insurance. It has been said that in 2014 there will be health insurance exchanges set up, that allow consumers to quickly and easily compare the cost of one insurance policy to another one. Until then, consumers are on their own, unless they seek assistance from an insurance broker. The New York Times has an article that describes how one married couple hired the services of an insurance broker to help them find … Continue reading →

It’s Time for Open Enrollment

It is time for open enrollment again. This is a great time to adjust your benefits and the amounts that you put into your flexible health care savings and dependent care savings accounts. You will want to carefully consider the changes that you make. You may decide to discontinue some benefits or you may decide it is time to pick up a few extra policies. When it comes to your flexible health savings account you should take into account how much money you spent on finances last year. Then you should look at any major expenses from last year that … Continue reading →

Money Week in Review June 3-June 18

We have covered several topics in the last few weeks. There are a wide variety of articles available to help you. Favorite Money Savings Tips shares five easy ways to save money. This article covers everything from groceries to gas. You can learn to make the most of your credit cards in Negotiating Credit Card Rewards. Debbie offers some great tips to help you ear better rewards. Have You Considered Downsizing? discusses the changes that you may make in order to live comfortably both now and in the future. This article focuses on why you may change and specific areas … Continue reading →

AAA – Help on the Road and Beyond

Long before Global Navigation Systems (GPS) and Internet mapping services there was Triple AAA. The American Family of the 1970’s number one road-travel guide and connection. I will never forget the family vacation in the camper, and the thrill my parents had when we received our AAA Flip-Trip map free, and planned right down to the last detail because we were members with a premium package. That was the very best family vacation of my childhood. For most Americans the first thing we think of when we hear AAA is the emergency road service offered to each AAA member. The … Continue reading →

Insurance Blog Week In Review February 6-12, 2007

This week in the Insurance Blogs I have focused a bit on the Business of Insurance, including some of the Career paths insurance has to offer. Next week I will be expanding on some of interesting things a person might do with an Insurance License. I have also started a series of Blogs about shopping and quoting my own personal insurance portfolio. A project I have put off for far too long. Yesterday, we were given notice that my husbands employer is phasing out the retirement pension they offer. So, now we need to add retirement options to our personal … Continue reading →

My Bubbe: A (temporary) Solution

Reason finally won out. Or perhaps it was just the reality of the situation. Whatever it was, I am grateful my parents finally changed their mind; they finally admitted they can’t take care for Bubbe on their own anymore. For years they had been resistant to putting Bubbe into a nursing home or assisted living or any outside facility, claiming she would be miserable anyplace but their place. We all knew that wasn’t true, but we also knew it was guilt keeping them from making a rational decision and how do you argue with guilt? Well, it’s a moot point … Continue reading →

My Bubbe

My maternal grandmother, or Bubbe as we call her, is 97 years old. And until recently she was in great health. In most ways, she is pretty unremarkable (you know, besides being 97), she is an old woman who looks and acts the part. But there is one thing that stands out: her purse. Standing 4’10” on a good day, and well under 100lbs, my Bubbe has miraculously-strong shoulders. I know this because she carries this incredibly-heavy purse with her wherever she goes. Now this purse is no average handbag carrying a few of life’s necessities. No, this is a … Continue reading →

Primary and Secondary Health Insurance Coverage

Our family has had a difficult start to the year 2007! As some may know we are the Adoptive Parents of two special needs siblings placed through the state foster care system. Our daughter, Makala, was 5-years-old and her biological brother Jeremiah was 1-year-old at the time they were placed for adoption in our family during 2003. This has been an interesting and long four years. Our little girl has had several issues no one knew existed among them Alcohol-Related Neurodevelopmental Disorders, (ARND). Special Needs children adopted from the child services system often have continued benefits. Older, or special needs … Continue reading →

Roth IRA: Overview

In 1997 the Taxpayer Relief Act was passed and The Roth Individual Retirement Account (Roth IRA) was created and named in honor of the late Senator William V. Roth, Jr. Roth IRAs are Individual Retirement Accounts opened and managed through a stockbroker, mutual fund, or other provider of investment accounts. A Roth IRA offers an opportunity to invest earnings and avoid taxation. The disadvantage is that taxpayers cannot take a deduction for contributions to the Roth IRA. Some of the Key Points with a Roth IRA include: A tax structure unlike other IRAs: contributions are post-tax, but growth is tax-free; … Continue reading →