MEDICARE RECIPIENTS SHOULD CHECK PLANS

Medicare Enrollment Form

Since its rocky beginning in 1966, Medicare has become the main health insurance provider to more than 50 million Americans, most of them Seniors over age 65.  However, the program has become intensely complex, resulting in a maze of information, plans, and pitfalls that can often derail an individual’s healthcare.  Many individuals just give up trying to determine the best coverage and accept whatever is presented by just any insurance agent, regardless of whether the coverage is the “best fit” for the individual’s needs. While Medicare is intensely confusing at…

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Understand These Five Ways to Get the Most Out of College Savings Plans

You may know them as 529 plans, Qualified Tuition Programs, or QTPs. Whatever you call them, what they amount to is a way for you to help a son, daughter or grandchild pay for college. In short, 529 plans are investment tools designed to help families pay for future expenses associated with college or other qualified post-secondary training for a designated beneficiary, such as a child or grandchild. The fund can be used to help pay for such expenses as tuition, books, supplies, fees, and computer equipment. The plans are…

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Planning for Social Security Retirement

While Social Security Retirement benefits are the cornerstone for many individual retirement plans, it is important for individuals to understand the basics of the program and the importance of planning relative to the timing of the benefit payments.  Social Security benefits are payable as early as age 62 to individuals who have worked and paid in to the system for a minimum of 10 years.  The actual benefit payments are computed using 35 years of earnings.  If an individual does not have 35 years of work, zeroes are added in…

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High-Traffic Area Flooring Options

When you take inventory of the things that go into making a house a home, flooring is one of those that make the largest impact aesthetically and financially. Because of this you want your flooring to look as good as possible as long as possible which can prove difficult in high-traffic areas. This simple solution to this conundrum is durable flooring materials. When choosing flooring for you home, durability isn’t likely one of the criteria that you give much thought to. Most people have a certain look they want that…

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Solar Eclipse Eye Safety – How to Safely Watch the Great American Eclipse of 2017

On Monday, Aug. 21, 2017, a solar eclipse will be visible across North America (weather permitting). The whole continent will experience a partial eclipse lasting two to three hours. Halfway through the event, anyone within a roughly 70-mile-wide path from Oregon to South Carolina will experience a brief total eclipse. At that point, the moon will completely cover the face of the sun for up to two minutes and 40 seconds. If you get a chance to see it, be sure to take care of your vision during the eclipse.…

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Hot Trends In Flooring

Flooring – while it is a very important part of our homes, we often take it for granted. If you are thinking about remodeling, you may want to consider updating your flooring. While decorating is a very individual thing, when replacing flooring it is important to consult with a flooring expert in order to ensure you’re using the best materials for the job. If you are thinking about selling your home anytime soon, you want to make choices that are modern and stylish as well as durable. Below, you will…

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Children and seasonal allergies

aAAHHH-CHOOO!!!! It’s that time of year again. Blankets of pollen turn every surface yellow. Clouds of it fill the air, as well as our eyes and noses. If you are one of the millions of Americans who suffer from seasonal allergies you know they can make you miserable, and are particularly bad here in NC. First it’s the trees followed by the grasses and weeds, along with the ever present mold. They bring on the sneezing, sniffling, itching, and puffy red eyes as well as more severe symptoms in high…

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Macular Degeneration Prevention

Although macular degeneration prevention is possible, there isn’t a foolproof method of avoiding the disease.  There are, however, steps you can take to help reduce your risk. Pay special attention to prevention if you already have a diagnosis of age-related macular degeneration (AMD) or if the disease runs in your family. AMD is the leading cause of irreversible vision loss among people older than 60 years of age.  In time, a person with macular degeneration may find it difficult or impossible to read, drive or recognize familiar faces. Guidelines to…

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First Time Home Buyers

The real estate industry has seen the greatest amount of sales in the past year since the market crash in 2008. This tremendous economic change has Americans believing the “dream” of home ownership is attainable again. In fact, Bankrate.com stated “59 million Americans are looking to buy a house in the year of 2017.”  With the National Association of Realtors reporting that 6 million homes were sold in 2016 nationwide, a similar outlook for 2017 would mean 59 million, or 1 in 4 adults, are competing for a chance to…

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You’ve Probably Been Shorting Yourself on this Tax Deduction (But You Won’t After You Read This)

Most likely, you’re driving your car anyway – why not save money along the way? Mileage. It’s one of the most overlooked and misunderstood tax deductions for a couple of reasons: you may not realize how much money this can save you or you may not have a good system to track your mileage. Fortunately, apps can now do this for you, but as CEO of your own finances, you still need to know what you can and can’t deduct. First, here’s what’s new this year from the IRS –…

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