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Can You Be Turned Down for a Medicare Supplement Plan?

By webteam | September 13, 2021 |

The short answer is yes, except during your Medicare Supplement Open Enrollment Period, which starts the first day you are enrolled in both Parts A and B of Original Medicare and ends six months later. Outside of this period, Medicare Supplement (Medigap) plans are allowed to use medical underwriting and deny you coverage or increase…

Is Original Medicare and Medicare Advantage the Same?

By webteam | September 13, 2021 |

The short answer is no. Original Medicare is a government-run entity that consists of two parts – hospital insurance, Part A, and medical insurance, Part B. All the rest of Medicare – Part C, (Medicare Advantage Plans), Part D (prescription drug plans), and Medicare Supplement or Medigap policies – are offered by private insurance carriers.…

College Savings: An Update

By webteam | September 3, 2021 |

Congress is known for passing enormous bills with lots of little-known provisions that are not entirely central to the key objectives of the bill. Alas, the Coronavirus Response and Relief Supplemental Appropriations Act of 2021 is one of them. It contains changes to how students and parents apply for student aid via the Free Application…

Moving During Retirement

By webteam | September 3, 2021 |

Some people stay in place when they retire, while others buy a second home or relocate entirely. If you’re thinking of buying a new home, should you plan the purchase before you stop working, or is it possible to get to a mortgage after you’re retired? Plenty of retirees can qualify for a mortgage while…

Roth vs. Traditional IRA: Retirement and Estate-Planning Advantages

By webteam | September 3, 2021 |

It would be nice if the Roth IRA had been around long as the traditional IRA. Imagine the long-term benefits of tax-free growth throughout a 40-year career. Annual contribution limits for IRAs are relatively low ($6,000; $7,000 for 50-plus), but the Roth is a good complement for investors who also contribute to an employer-based retirement…

Reshoring: What’s the Future for Products and Services Made in America?

By webteam | September 3, 2021 |

According to a recent survey of supply chain professionals, the COVID-19 pandemic interrupted 98% of global supply chains. Among the most disruptive supply challenges was the procurement of personal protective equipment, pharmaceuticals, and semiconductors. Companies that had outsourced manufacturing to other countries experienced firsthand the types of risks associated with offshoring.  The previous administration placed…

Q2 Market Talk

By webteam | July 29, 2021 |

As the weather heated up, so did the economy – and the potential for inflation. But without any big news to look forward to, markets could cool down significantly as we head into the second half of 2021.

Fixed Income vs. Stock Portfolio

By webteam | November 23, 2020 |

Early this year, many stopped spending and began saving money. This wasn’t difficult as many areas of the economy were — and possibly still are — shut down. For some, vacation plans were canceled, and the normal level of entertainment activities and dining out have been curbed. If you’ve remained employed, chances are good you’ve…

America’s Need for Better “Infloodstructure”

By webteam | November 10, 2020 |

In February, Spirit Airlines decided to transfer a portion of its operations from Miramar, Florida, to Nashville, Tennessee. The key driver of this decision was recurring hurricane and tropical storm risk. This means a loss of 240 jobs for the Panhandle area.1 By mid-September of the 2020 hurricane season, mainland U.S. had already been hit…

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