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Have you guys ever wondered what the deal is with loyalty cards? You know, the little keychain cards (or phone app) you whip out to get a little discount or freebie from retailers? I have a problem with them mainly because I don’t like being asked to sign up for one every time I buy a dang p…

Talking, texting, and drinking are all common car-crash causes, but there’s a lesser-known accident culprit: fatigue. The struggle to stay awake while driving may be more common than you realize: 37 percent of people have admitted to falling asleep at the wheel, according to a poll by the Na…

Before we begin talking about Medicare Part B I would like to clear up something that was in last week’s article concerning Medicare Part A. As I stated in the article Part A has a deductible of $1,364 per benefit period. I also stated that if you paid into Medicare for 40 quarters that Part…

Q: I am writing because I need the real concept of Uninsured Motorist Coverage (UIM). I was told by my Insurance Agent, “I did not need Uninsured Motorist Coverage if I had Medical Insurance.” On the advice of my agent, I dropped the uninsured motorist coverage in my auto insurance plan. Aft…

Q: I purchased a 2011 Ford F150 pickup truck from a local used car dealer. The truck looked very nice and the questions that I asked about the truck were answered to my satisfaction and it only had 24,000 miles on it and seemed to be well taken care of. A little over a week after I bought it…

“Which school can my kids attend?” This is a topic that comes up often and REALTORS are often asked by buyers who are either new to our area or moving to a different part of our area. When choosing a new home, most people with school-age children give great consideration to which school thei…

Whether you’re contemplating bankruptcy or have a bankruptcy in your past and are concerned about its impact on your credit, it can be very difficult to separate myth from fact. In part, that’s because both bankruptcy and credit management can be stressful, increasing the tendency to believe…

Last week we discussed how Medicare Part A will cover you if you are admitted into the hospital. A hospital, under Medicare, can be acute care hospitals, critical care hospitals, inpatient rehabilitation facilities, long term care hospitals or mental health care.

Sometimes I think that I was born smiling. But I know that I got it from my mom. Her smile probably was not as broad as mine, but her spirit was. She loved everyone with equal fervor. She held nothing against anyone. She knew, that for the most part, people were doing the best that they coul…

Unless you've been under a rock, you’ve heard about the Equifax data breach but here’s a quick refresher, anyway: Equifax (a credit monitoring service that banks use to judge if you’re worthy of their love) failed to patch a known vulnerability on their website that exposed the personal fina…

According to the National Highway Traffic Safety Administration, there were 37,461 vehicle fatalities in 2016. Speeding and offensive driving are major problems which contribute to fatal car crashes throughout the United States. These defensive driving tips can help you or a loved one take o…

If your debit or credit card is lost or stolen and someone makes unauthorized charges are you responsible for payment?

On a Medicare card Part A will have the word “Hospital” beside it. Because of that Medicare Part A is most commonly known as the inpatient or hospitalization part of Medicare. This means when a Medicare beneficiary is admitted into the hospital most of the services that are received are file…

Did you know there were four parts to Medicare not two? Did you know that two of the parts you can get through the federal government but the other two parts, if you choose to take them, must be purchased through private insurance companies? Finally, did you know most people have an option a…

Many people facing foreclosure want to know whether bankruptcy can stop the foreclosure process and save their homes. The answer isn’t a straightforward “yes” or “no”. Rather, it is something like “yes, possibly, but probably not exactly the way you mean, and it depends on your circumstances…

During the summer of 1980, I sold Bibles & books door to door in Texas & Oklahoma for the Southwestern Publishing Company. I remember that it was a summer full of 100-degree days. I estimate that I drank from at least 200 water hoses (hose pipes) over the course of that summer. I wou…

How do you increase the value of your property?

How do you increase the value of your property?

So if you’ve hung out on the internet anytime these past few days, you’ve probably seen people ruining pictures of themselves using a smartphone app called “FaceApp.” FaceApp uses neural network technology (a type of very powerful, self-learning computer) to generate highly realistic transfo…

Most Americans qualify for Medicare by turning 65 but there are other ways to qualify such as being disabled, having End Stage Renal disease (ESRD) or ALS. Today we are going to look at how you would sign up if you are disabled.

You’re going to need to pack more than beach supplies for that summer road trip.

We all know that in certain situations Medicare, which is the federal government, can take a person’s home if Medicare provides long term care for a person who owns the house. Any home transferred by a Medicare recipient within 5 years of long term care is subject to a claim by Medicare.

A first aid kit is a very important thing to have around. We should all have one in our home, workplace and in our vehicles.

The most common way to qualify for Medicare is when you are turning 65. You will have a specific time period, set by Medicare, to enroll in Part A and Part B Medicare. This is known as the Initial Enrollment Period (IEP).

Success can be viewed in many ways. Some say it's the journey, not the destination. I'm in that crowd.

Here’s how to spruce up and maintain your vehicle, inside and out.

It doesn’t matter that no one knows how and when to assert their rights under the 3rd Amendment to the Constitution. It probably does matter that not a lot of people can name the five rights contained in the 1st Amendment, can you?

Hey, I’m on vacation this week so tried to dig through my archives to find a really interesting article from the past. Unfortunately, I didn’t find anything interesting so please be happy with this one wherein I expose all my secrets. . . . okay, perhaps not all of them. This newspaper doesn…

So many things have changed in the real estate business since I first started back in 2000. From how we handle showings and access to homes, to how they are marketed, it’s all really completely different.

When I began working with Medicare health plans a few years ago it became obvious to me that people aging into Medicare were joining a health insurance program that they really didn’t understand. Although the Centers for Medicare and Medicaid Services (CMS) do all they can to educate America…

Many people facing foreclosure want to know whether bankruptcy can stop the foreclosure process and save their homes. The answer isn’t a straightforward “yes” or “no”. Rather, it is something like “yes, possibly, but probably not exactly the way you mean, and it depends on your circumstances…

With the 4th of July upon us and the recent boating fatality in mind, let’s talk about boating safety. There has been much speculation about the facts of the accident of 8 June 2019. I wasn’t there and don’t know the facts but I certainly have heard a lot of rumors about how the boats in que…

Some of the most frequently asked questions we get from people under the age of 65 concerns the relationship between the Marketplace (Obamacare) and Medicare. There seems to be a great deal of confusion about how these two insurance programs work. Here are this week’s questions:

It’s summer and I am still thinking about brides and grooms, and newlyweds and oldyweds.

Scammers are going old-school again. A friend of mine popped into the office a couple of weeks ago, handed me an envelope, and asked me what I thought of it. Inside the envelope was 3 legitimate-looking checks for $998.33 each ($2,995 total) made out to my friend. Enclosed with the checks wa…

Hey y’all, I turned sixty the other day! (I remember writing a column here about being forty-something!) But this sixtieth birthday was going to be a problem for me. I was having a hard time wrapping my head around being the age that I most remember my mom being. But then something wonderful…

If you were to take a penny and hold it between your thumb and index finger, with Abe Lincoln facing you, you could hold it up between you and your view of the sun in such a way as to eclipse the sun. Imagine that. Something as small as a penny and yet it can block your view of something so …

Many times, a person who is going on Medicare for the first time will come into our office with the understanding that Medicare will cover any and all medical procedures they have performed. Today’s FAQs will address some items, services and procedures Medicare does not cover.

Reliable transportation is a challenge for many. For those living in bigger cities with access to public transportation, it’s not a big deal. But, for those outside of large, metropolitan areas, having a car can make all the difference.