It was one of those phone calls no one wants to receive, but after receiving it, my sister-in-law sent out a group text that her step-son was in intensive care. He was on his way to work when he suddenly blacked out at the wheel. After a few days of tests, CT-Scans, blood work and…
Looking back on the years we raised our family, my husband’s company provided term life insurance that covered our kids. We always received those little mailers to start a new policy for each of them for a dollar, but I never did. We were probably pretty fortunate. So many of us never really think about…
This time of year the W-2 and 1099 forms are showing up in the mailbox and email as that first of the year reminder that tax time will be here soon. If ever there should be a time for relief it would be in January, after we’ve all just spent a year’s budget on the…
You went through the Healthcare.gov Marketplace, called your AC Financial Adviser and bought your healthcare coverage, but is that all you need? When it comes down to it, paying deductibles and coinsurance payments can be overwhelming. Then throw in even a one day hospital stay, with an average cost of $1,200 to $2,200 or an…
Everyone knows that we recuperate better in our own homes. There are familiar sounds, smells and the people who come to visit or stay help us to heal when we aren’t feeling the stress of a cramped nursing or rehabilitation facility. That said, the cost of hiring a private duty caregiver can be prohibitive and…
In the last few weeks I heard of two very young men who left behind their families very suddenly; one of whom I knew personally. One day they were watching their children compete in sporting events and the next they were gone. The circumstances in both instances were similar enough, I thought they were the same people,…
Over the last decade the cost of a hospital stay has continued to rise, and there doesn’t seem to be any sign it will be slowing down soon. Depending on the hospital, length-of-stay and the illness you’re being treated for, you could be left with out-of-pocket costs that leave you with little or no savings.…
A friend of mine has a good friend who has skyrocketing healthcare costs because of a catastrophic illness. She’s hosting fundraising events to help her out, but even those will only help so much. In the end, her friend will be left with tens of thousands of dollars in bills to be paid. The sad…
So often when we purchase life insurance, whether Term Life, Whole Life or Guaranteed Universal Life, the first thing we think of is who will benefit from it; those we leave behind. We seldom think about using life insurance while we’re living. The reality is there are many reasons to use it during our lifetimes.…
I’m not so sure I am sometimes. It doesn’t take an accident or illness to let me know that I am insurance poor quite often. The rising cost of healthcare and co-pays for procedures quite often leave me wondering. One thing I don’t want to be lacking in is Income Protection. Knowing that accidents happen and…