Is it Time to Check Your Medigap Rate?

Is it Time to Check Your Medigap Rate?

Is it time for Medigap quotesA client recently contacted me because she felt like the insurance company from which she was purchasing her Texas Medicare supplemental insurance was no longer competitive.  Her rates, like most, had gone up.  But one thing she had failed to do when she first purchased her Texas Medigap plan was to really shop around.  Unfortunately, when a person is turning 65 they get inundated with such a large amount of information about Medicare and Medicare insurance that many just block it all out and go with what they know.  They often stick with an insurance company with which they are familiar and purchase from them. Sticking with the familiar is often the easiest course of action. When you already feel confident in a company you can throw all that mail in the trash.  That is what this lady from Texas had done, until she became aware that she was paying too much for her insurance.

She sent me an email asking about the differences in Medicare supplement Plan F and Plan G and for some quotes.  I explained that the only difference in the two plans is who pays the Medicare Part B deductible.  With Medigap Plan F, the insurance company pays and with Plan G you do.  If Plan G saves you more than the deductible costs, and you don’t mind paying the deductible yourself (some people don’t want to mess with it), then Medigap Plan G is the better deal.  I sent her some quotes, and she found what she was looking for.  She picked out a Texas Medicare supplement plan from Continental Life that saved her $536.00!  She had the exact same coverage that she had before, but a lot more money left in her pocket.

Perhaps it is time for you to get some Medigap quotes and find yourself some savings. If you do request insurance quotes, always use a single independent insurance agent or agency.  They are not limited to selling Texas Medicare supplement insurance from one company, so you are much more likely to get unbiased information.  Good luck and hope find some savings.

Time to be Frugal!

More than ever, it is important for seniors to manage their income. We talk to dozens of seniors that were virtually wiped out financially during the stock market crash of 2008. Housing prices are down and many people are upside down on their homes.

We feel that there are certain steps you can take to make sure you are on the correct road to financial security.

1. Do you know what your monthly expenses are?

If you do not know this is would be wise to add them up and see where your money goes. Often, people are spending a lot more money on food and other miscellaneous item than they realize. Just last week, we consulted with one senior that did not realize they were spending 200 plus dollars per month on coffee at Starbucks. The same senior was also spending 200 dollars per month on cell phone overages due to massive amounts of text messaging.

We suggest that you look at things like this and make corrections. Brew your own Starbucks coffee instead and look into switching to an unlimited text messaging plan.

2. How much are you spending on your healthcare expenses?

This is an issue that many seniors are often frustrated and confused about. During our financial consultations, we find that seniors are overpaying for their medigap plans. If you visit the previous link you can see you good information on how to save on your insurance.

For example, many seniors do not know that all medicare supplement companies offer the same plan benefits but vary in price. We suggest that you go here to get a medicare supplement quote. is one vendor we use to consult with our seniors regarding their insurance coverage. They have the ability to offer you many quotes from various companies. Our average clients saves 500 dollars per year getting a quote.

3. Do you use credit cards?

At we suggest that seniors cut up all credit cards. It can be tempting to overspend your monthly budget if you have extra credit available to you. This is not a wise move if you are retired. The goal during retirement is to have all debt paid off and to live comfortable on your monthly income. We know that this is not always easy but it can be done. If you are frugal and watch every dime you will be able to slowly dig out of your debt.

4. How healthy are you?

We feel that it is wise to make sure you eat properly and exercise. It is proven that seniors who exercise and limit their fried food are 47% healthier than the average person. You can talk a casual walk at the mall in the morning if it is too cold out or plant a garden for physical exercise and eat the health vegetables.

We know that times have been hard the last few years. It seems that the economy is getting better. Once the economy turns around and your retirement funds start making you more money, it will be vital to follow the steps we have laid out so that you can save for the next “rainy day”

Health Problems? We have you covered!

One thing we have learned over the years is that you can still get life insurance if you are in bad health. However, there are a few things you must know before you proceed.

If you are 23 and in good health, insurance companies do not consider you a big risk. Howver, if you are 63 and have had 2 heart attacks and smoke a pack a day you are considered a high risk candidate.

You can get coverage with these health problems but you will pay a higher premium and will be limited in the types of coverage that you can get.  We will lay out a few things to consider.

1. It is important that you work with a broker that represents multiple companies.

If you have a lot of health problems, this fact is even more important. We have actually seen one company turn down someone only to have another company accept the application a few weeks later. We highly recommend to help you with your high risk life insurance. not only represents the top companies with the best rates but has actual real-life experience helping people get coverage that have health problems. If you are a smoker you can go here to read about life insurance for smokers. Your rates will be higher but you can usually get great rates if you do some research and get multiple quotes.

2. Have you ever received a pience of mail from an insurance company that offered you life insurance with no exam or no health questions?

Be careful to read the fine print on these offers. A lot of these offers will only pay you if you die in an accident. This is called an accidental dealth policy. While these are good to have, they would NOT pay you if you die of any kind of health condition or natural cause. We can get you a policy that will pay a benefit no matter how you die.

3. What is your budget for life insurance?

It is important to have life insurance. However, you want to make sure you are not paying for more life insurance than you can afford. We find that people who buy more than they can afford end up letting the policy lapse. If you stay within your budget it is more likely that you will keep the policy and maintain life insurance protection for your family.

4. Has your health changed lately?

Recently, I spoke to a senior that bought an Indiana life insurance policy a few years ago when he was in bad health. He said that the premiums were high but he understood why (due to his bad health).  However, over the last year he lost 40 lbs and has not been smoked for 3 years. Also, his blood pressure has been under control after his weight loss. We were able to refer him to and they found a policy that increased his coverage and still saved him 300 dollars per year.

Life insurance is not always cut and dry. We highly encourage you to do your reserach when looking for a policy and read the fine print. Make sure that you use a broker that can look at multiple companies for you as well. Doing this things will save you a lot of money in the long run!And here at we are all about saving money!

Take Control Of Your Panic Attacks With These Tips

Would you like to learn some great tricks about how to cope with panic attacks? Panic attacks can start gradually as a general anxiety surrounding social situations. They are not nice to have but they do need to be addressed. There are strategies and tips to help a person through them. Read on to learn a few approaches to take if you are afflicted with panic attacks.

Listening to music can be a powerful way to combat the anxiety you feel at the start of a panic attack. Sit quietly and listen to soft, calming songs and try to focus on the lyrics. By paying attention to the music and not your symptoms, you will more easily be able to relax and avoid panic.

An effective way of dealing with your panic attacks is by seeking professional help. Psychiatrists can help you determine the cause of your anxiety and help you modify your behavior. Just knowing that another person is ready and willing to work with you is encouraging, and will play a large role in your decision to address your problems.

Panic Attacks

Dealing with panic attacks alone can be very difficult. When you are dealing with panic attacks, you should have a support system to get you through the tough times. That is why having friends is so important.

When you are suffering in the middle of one of your panic attacks, ask yourself if there’s really anything to be afraid of. Is your fear based on reality, or is it actually just a creation of your mind? Will someone cause you harm? Probably, the answer is no. Just relax and let go of the fear.

So these are a few suggested ways to deal with panic attacks. There are other approaches, and the Internet has a lot of information. It isn’t possible to completely avoid them, and they can happen to anyone. These tips can help you control the situation when a panic attack happens.

Tips And Tricks To Avoid Insurance Headaches

Having insurance can cover you financially if you find yourself in a time of an illness, tragedy or accident. Many types of insurance exist that can help protect you in different ways. It is possible to insure your house, your vehicle, your pets and your own life. When bad things happen, insurance is what will pay for those unexpected costs. This article will explain different types of insurance and how they can benefit you.

Before renewing or purchasing insurance, you may be able to save money by getting new quotes. Most insurance companies determine their rates in various manners and they are not always figured the same way. This means there are a lot of different prices from different companies. Try shopping around and getting a minimum of three quotes prior to picking a company.

To get a quick response from your insurance company when filing a claim, be sure that your explanation of the incident is clear and to the point. Take a picture of any damages. Do not exaggerate the events that took place or the damage that occurred in an effort to profit from the accident. You could end up facing criminal charges and could lose the chance to receive any payment for the damages.

To get the right insurance, you have to understand what the company is offering you. It can be quite hard to understand the insurance terminology that is being used, so do not be afraid to request more information from your insurance provider. An outside source, such as a friend or coworker, may also have some advice that you will find useful.

When you are in the market for an insurance policy, find out if your state provides data regarding insurance companies and premiums they offer. You will have a better idea of what the insurance rates in your area are. You will be able to find the best price on insurance by knowing this information.

As stated at the beginning of the article, there are many different types of insurance available. Hopefully you have discovered ways you can insure yourself and/or your property that you hadn’t thought of before. Having insurance gives you piece of mind that in the unfortunate event of a tragedy, illness, or accident, you and your family will be covered, and a bit more prepared.

Beyond Medication: How To Get Relief From Anxiety

People from all around the globe suffer from anxiety. Being anxious all the time is scary, and you might think that you can’t do anything about it. You’ll be happy to know that you can do something in regards to this. This article will give you information to learn how to better cope with your anxiety.

To prevent anxiety from pulling you down, make sure to get enough physical exercise each day to keep your nerves calm. Physical activity produces endorphins, and that makes you feel happier. It can also distract the mind from the things causing you stress. Furthermore, exercise is good for your overall health.

A consultation with your doctor is a very good idea if you, like millions of other people, are dealing with persistent anxiety. With more advanced treatments and medications that you can use, you can deal with anxiety. So take the time to visit the doctor and get the right treatment.

Because anxiety can affect the way you breathe, breathing techniques are a good way to get it under control. Slowly count while you are breathing, and enjoy inhaling and exhaling deeply while you count. For optimum results, try and find a nice quiet place away from others to practice this method of breathing.

If external things are triggering you, then you shouldn’t watch TV or read the paper as much. Keep up with current events for just a short while each day to stay generally informed. However, do not dwell on such matters to the point that they drain you emotionally.

Positive affirmations said out loud every morning are a great way to start the day. Tell yourself how your ideal day will go, and your goals for the day. With your goals thus set in your mind, do everything you can to fulfill them over the course of the day.

It is possible to lessen the effects of anxiety on your life. This article has shown you a number of ways to rid yourself of it. Apply what you’ve learned here to your life every day. You will find your anxiety levels decreasing dramatically.

Cope With Cancer With These Tips

Life is a journey which is often full of disappointments and abandoned goals. However, there are things that we must succeed in, and one of these is the fight against cancer. Learn everything you need to know to survive your battle with cancer by reading this article.

The absolute best way to get a leg up in the battle against cancer is early detection. Schedule regular appointments to detect different kinds of cancer before you notice any symptoms. Self examinations once a month can help you to detect any early signs of breast or testicular cancer.

It’s essential to get enough exercise, and to be on a healthy diet, to reduce the cancer risks. Mix your diet with a good deal of fresh fruits and vegetables to put a nice bow on your daily routine. These little changes can make a huge difference in your well-being.

Excessive exposure to the sun can lead to cancer, and skin cancer is a common form of cancer. Protect both your face and your skin from cancer by wearing a hat and sunblock lotion on sunny days.

Don’t be afraid to make yourself heard. A lot of people have ideas about cancer that are outdated and might raise questions about how you can do your job. Have a good answer planned in advance and answer them immediately. It will give you control of the conversation and a little bit of confidence.

If you, or a person whom you know, is afflicted with cancer, you have to read whatever you can on this topic. Confidence is really important here.

Perhaps the people around you will not meet your expectations. Value all of the support you receive.

Being an active partner in developing your cancer treatment plan is the most effective way to help your doctors recommend what is right for you. Do not remove yourself from the situation. This does not do anything to improve your condition.

Don’t keep going to a doctor who does not communicate with you. Find someone who will answer all your questions quickly and efficiently. You must have your concerns addressed right away.

Seal any decks or playground equipment that was built before 2005. Most of the wood that these items were built with had an arsenic pesticide put on them; sealing the structure can help prevent you or your children from being exposed to a potentially cancer-causing chemical.

Letting cancer win costs you your life. It is a matter of life and death.

Simple Ways On How To Go About Plastic Surgery

You likely already know some of the great things cosmetic procedures can do. Many of the most popular celebrities have had some sort of work done. Things are quite different when it is you that is the patient. The article below will provide you with some important things to consider before you sign up for cosmetic surgery.

When consulting with a doctor about cosmetic surgery, do not be afraid to ask to see his or her credentials. You are fully entitled to know where he received his training, how long ago it was, and how much applicable work experience he’s gained since then. Do not be afraid to request photographs of previous procedures.

If you are considering plastic surgery for any reason other than aesthetics, it should be referred to as reconstructive surgery. There is a stigma associated with plastic surgery, so changing the wording a little can help with that.

Look into whether or not your doctor has made statements regarding revisions. It is not uncommon for surgeons to make errors in procedures, which result in costly corrective surgery to fix. With many good doctors, you’ll have a “grace period” of up to a year in which they’ll take care of any necessary corrective work for free.

There are some things that might be able to help you with the cost of plastic surgery. For example, you may be able to get quality work done at a lower cost in another country. Before deciding on a location, explore all of your options.

When it is you having surgery, cosmetic surgery takes on a whole new importance. You will have to consider things that you never thought of before. Once you have read this article, you will be more informed as to exactly what needs to be considered before you make your final decision.

Look Here For Great Ideas About Fitness That Anyone Can Simply Follow

Maintaining a healthy fitness level is part of living a healthy lifestyle. There are times when the amount of conflicting information makes planning your next step impossible. While it may seem easier to quit at times, don’t give in. If you follow these tips, you can stay healthy and live a good lifestyle.

Feel like you don’t have enough time a day to workout? You can cut your workout into smaller increments. You do not need to increase the overall amount of time spent working out, just split a regular training session into two smaller halves. Rather than getting an hour’s worth of running in at once, try half before work and half later in the day. If you would rather not go to the gym 2 times a day, then do one workout at the gym and one at home.

Don’t lift weights for longer than one hour. Muscle wasting also becomes a problem if you exercise for more than an hour. Keep your weight training under an hour.

When working out your abs, don’t use only crunches. You should not waste your time with crunches if you are trying to lose weight, it takes a quarter million of them to lose a pound! Simply doing only crunches means that you aren’t getting as much of a workout as you need. You should also work out the abs in various different ways.

Participate in a wide variety of fitness programs to maintain interest in your workout program. If you keep it fresh you will find something you want to focus on and inspire you to go to the gym. If you have not yet, try a dance or yoga class to mix it up. Even a kickboxing workout or boot camp would do. You should remember that after you do one, you will be eventually losing weight.

There are so many things you can learn about the fitness world. When it comes to fitness, there’s certain things that are necessary to stay fit, and other things that may be good for your body, but are not always necessary. Give the ideas presented here a chance to launch a healthier and more fulfilling lifestyle for yourself.

Using Psychotherapy To Help Deal With Your Recurring Panic Attacks

You do not have to experience panic attacks every day from here on out. Don’t fret. This article is going to allow you to find relief.

Do an online search for local support groups that specialize in panic attacks. Joining such a group lets you share helpful advice and techniques that can be used to combat the condition, and makes you part of a supportive network of trustworthy people who will be ready to listen to your problems.

If you are struggling to overcome your panic attacks, educate yourself on both breathing and relaxation strategies. Simply breathing and relaxing can prevent other attacks.

Slowing down your breathing is a big part of bringing a panic attack under control. If you can take control of your breathing, you can lessen the intensity of your attack. Try to take deep, even breaths.

Try to talk to the friend face to face. By talking to someone in person, you will start to feel better much more quickly.

Panic Attack

Going with the flow of a panic attack is often more effective than struggling with it. Instead of putting your attention on the panic attack and the feelings associated with it, focus on how the feelings will soon pass. You absolutely must remain calm during a panic attack. Remaining calm can be accomplished by reminding yourself of the actual vs. conceived effects of serious anxiety, but fighting too hard can have the opposite effect.

When having a panic attack, keep analyzing what is happening so you stay conscious of the situation. Keep in mind that you are not going to be hurt; all that is going on is your nervous system is being overstimulated. By doing this it will help keep perspective of the episode, which should lead to a faster resolution. Panic attacks can be surprising and downright scary, and this type of thinking will start to calm you down.

Are you committed to addressing your condition once and for all? Don’t you deserve to live a life free of panic attacks? You can find the help you need to fight panic attacks. You can regain control and start living the way you want to with the advice in this article and the guidance of a professional.

Try These Secrets To Making Great Juices

Juicing is an awesome way to realize some fantastic health benefits. Some show up in your physique, while others manifest as a better mental state. Once you get into a routine of juicing you will see how easy it is to stay consistent with practicing good and healthy habits. By taking advantage of the juicing tips in this article, you will be healthier and happier.

Use a masticating juicer. This type of juicing equipment works to extract the juices in a more gentle way and the liquids retain more nutrients as a result. When juice is produced in this manner, it has greater stability and can be stored more successfully.

Use ripe, sweet apples to make great tasting, fresh apple juice. While bruised apples also produce good juice, you should still cut away the bruised areas. Try apples, such as Fuji, Gala, and Rome for your juice. Those apples are some of the richest and sweetest tasting available.

Use color as your guide. From bright reds to vibrant greens, all the different colored fruits and vegetables have different nutrients and minerals. Different colored juices provide different taste and nutritional experiences.

Wash your juicing equipment immediately after you have finished juicing. The juice of certain fruits and veggies can stain the juicer and its parts.

If your kids do not like vegetables much, then juicing is a great idea to help them have an easier time eating them. Children are notorious for disliking vegetables. You can give them their favorite fruit juices spiked with vegetable juice. They don’t need to know what you are doing.

If you have diabetes or hypoglycemia, try juicing vegetables as opposed to fruits until you talk to your physician. Fruit juice can cause a rapid rise in your blood sugar level. It is important to monitor how much fruit you are juicing in your mixes to allow for your medical needs. Vegetable juicing has less risk for diabetics, as long as you consider the sugar content of items such as carrots.

These tips have shown how you can become a successful practitioner of juicing. Using the tips here will help you on your way to a juicing program with a wide variety of fruits and vegetables. Put them to use, and you can enjoy the health benefits that come from juicing.

Embrace Good Eating Habits To Stay Fit And Strong

Welcome to a world of better nutrition! As you can see, it is a very big world, complete with all kinds of foods, supplements, diets, and more. Because everyone has individual needs when it comes to nutrition, you may find yourself confused about how you should eat. Here are some suggestions and tips to follow.

If you wish to have great nutrition, eat foods that are the closest to how they were naturally. Processed foods are usually high in fat and contain ingredients that are not always healthy for your body.

Quinoa is a good protein substitute for red meats that you can cut back on. This represents one of the few non-meat consumables that is rich in amino acids. It is totally free of gluten, and it is rich in vitamins. It has a nutty, mild flavor that tastes good and is good for you.

Trans Fat

Trans fats, often found in processed food, are extremely bad for you. Trans fat has been shown to elevate your risk of heart disease. Eating trans fat lowers your HDL (good cholesterol) levels, while raising your LDL (bad cholesterol).

Even if you’re eating right, taking a daily multivitamin is a great way to supplement what you’re getting from food. This vitamin can give you the foundation for the minerals that you need during the course of the day.

Eating oatmeal in the morning will start your day off right. The grains found in oats fill up your stomach and make you feel full for longer.

Keep tabs that you are getting the right amount of selenium in your current diet. Selenium is a mineral with antioxidant properties that contribute to the elasticity of tissue and help to prevent the aging of skin prematurely. Selenium can hep prevent sun damage to the skin. Foods that are rich in selenium are tuna, garlic, brown rice, Brazil nuts, and eggs.

A great number of plans already exist for your use in the realm of nutrition. A diet that helps one person may not work the best for another. These tips should get you started on making your own plan.

The Best Tips For Healing Damaged Credit

Dealing with the complications that arise from having a less than perfect credit score can be quite stressful. When your past unwise decisions haunt you, it can be very frustrating. It may take some time, but your credit can be repaired. Read on to find out how.

If you are buying a home it will not always be easy, and even more difficult if your credit is bad. FHA loans are good options in these circumstances, because the federal government guarantees them. FHA loans are great for the individuals that do not have the financial capability to make down payments.

If you need to repair your credit, the first step is to come up with a workable plan and stick to it. You have to stay focused and committed if you want to make concrete changes to your financial situation. Be sure to buy only the things that you need. Ensure that you can afford everything you buy and that you really need it.

Credit Limit

If your credit card is carrying more than half of its credit limit, your first priority should be paying it down until it is below 50%. If any of your balances climb past half of your available credit limit, pay them down or spread the debt around other accounts, otherwise, your credit rating gets tarnished.

In order to start repairing your credit, you need to start paying your bills. You should pay your bills in full each month. Do not let them fall behind again and get yourself in trouble. Once you have started to pay towards your past-due accounts, you credit score will gradually improve.

You need to work with the companies from whom you have credit cards. This will enable you to make sure to keep your credit in good standing and repair any damage that may have been caused. Don’t be afraid to ask for alterations in interest rates or dates of payment.

Making your payments on time shows lenders that you are serious about maintaining good credit. Each time you make your payment late it will go against you.

It is important for you to thoroughly look over your monthly credit card statements. Make sure the charges on your credit cards are accurate. You are the only person that is responsible for making sure the statements are error free.

Apply these tips to fix your credit quickly. Most importantly, be consistent, making sure to pay your bills on time. Stop worrying and start repairing your credit score now!