We're always interested in hearing about news in our community. Let us know what's going on!

Raise your hand if you’ve gone months and months without changing your air filter…

Since yesterday, I have stayed out of the text conversation, because I did not know what I wanted to say in response to my family members’ thoughts. The first text said, “The jury on Amber Guyger’s case was just dismissed to deliberate. We need to pray now.” My first thought was, “Pray for w…

Open enrollment season for Medicare beneficiaries begins on October 15th and extends through December 7th. This is also known as the Annual Enrollment Period (AEP). AEP is an important time for anyone who is already on Medicare. These dates are very specific. You cannot enroll in a plan prio…

Q: My ex-husband was ordered at our divorce hearing to pay child support in the amount of $350.00 every two weeks for our two children and to keep them on his insurance. He hasn’t done either one. The children are on All Kids and Medicaid health insurance. He is over $10,000 past due on chil…

When you file bankruptcy, you have a right to expect relief from collection harassment. The automatic stay prevents creditors from pursuing ALL collection actions immediately upon filing, with few exceptions. The bankruptcy discharge order makes that prohibition permanent, at least as to deb…

I get that some of you didn’t grow up in a technical world and have had to learn and re-learn stuff that does not come naturally to you. It’s confusing and frustrating and made more so with all the dadgum passwords you have to remember these days. I certainly sympathize with you and will hel…

A Will is a written statement made by a living person making a division of their property after death. When a husband leaves everything to his wife and upon her death, to the children, share and share alike, there are generally no issues.

Each year anyone who is on Medicare and enrolled in a Medicare Advantage Plan (MA) or Prescription Drug Plan (PDP) has an open enrollment period to make changes in their plan if they wish. This open enrollment period is called the Annual Election Period (AEP). It extends from October 15thto …

So, Ruby ran in a marathon. Ruby is our 4 year old granddaughter. Well last week, we went to Atlanta to cheer on Ruby, her mom, and her dad as they ran in the Marathon Before Midnight that took place in the Braves’ stadium at SunTrust Park. So, of course, Ruby didn’t run the whole race, but …

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:

Have you seen the painting by Norman Rockwell showing a woman buying her Thanksgiving turkey? The turkey is lying on the scales and the butcher is standing behind the counter. The customer, a lovely lady of about 60, is watching. Each of them has a pleased look, but the expression on their f…

Financial stress is one of the leading causes of divorce, and divorce increases financial strain by splitting income and assets into two separate households. So, it’s no surprise that divorce often follows bankruptcy or vice versa. Unfortunately, when marital stress is coupled with financial…

I apologize for the title but in the practice of law the regular occurrence of death often causes unforeseen problems, legally, morally and emotionally. The Alabama Supreme Court in its infinite wisdom has seen fit to disturb a fairly well settled area of the law in away that will create lit…

Q: My son received a settlement but the lawyer said it was confidential and he couldn’t tell anyone about it. Is that legal?

There are three ways your doctor can be paid if you are on Medicare. The three ways are through Medicare assignment, Medicare excess charges or by not taking Medicare at all. Today we will discuss these three methods.

As we remember and honor those who lost their lives on September 11, 2001, I thought it fitting to write an article that deals with Security Clearance.

Negotiating on position or “digging in” to one side can be detrimental to the outcome of what you’re trying to achieve. Instead of negotiating on the “what”, ask questions and find out the “why”. Focus on principal, not position.

September and October are two months we get calls on the coverage gap or “donut hole”. This happens because there is a temporary limit on what your drug plan will pay while you are in the gap. The good news is not everyone will enter the coverage gap. The coverage gap begins after you and yo…

Writer’s note: It’s that time again! Here is a re-print from 9/2/2010. Enjoy!

This scam was popular about a year ago but it has re-emerged recently among lots of my friends on Facebook. I’m sure some of you have seen it, but the rest of you need to be aware of it.

The past couple of weeks we have discussed Medicare Parts A & B in detail. These are the two parts of Medicare that are received through the federal government. This week let’s review what we have discussed.

When an employee is injured in Alabama, while on the job, doing their job and notifying their employer of the injury, the employer is required to pay for the employee’s medical treatment related to the injury.

Summer means pedestrians, pets, bicycles and motorcycles are out in force, requiring drivers to be even more cautious. No matter where you’re headed, the park close by or family vacation to the beach, it’s important to think about everyone who’ll be traveling with you, especially children and pets.

We often get asked what at face value seems like a relatively simple question: How many times can you file bankruptcy? There is no hard-and-fast rule limiting the number of times an individual can file for bankruptcy protection. However, there are limitations and practical considerations tha…

The other day on the front porch of my workplace, the Y, I cut five very large watermelons, that I had purchased at the local farmers’ market, into bigger-than-bite-sized slices that could easily be held in one hand. I and my co-workers handed out watermelon to probably 250+ people just for …

Q: My son got a ticket for racing on the roadway. He was just trying to change lanes and a car sped up and passed him and he got a ticket. How can my son get a ticket when he didn’t even know he was in a race?

Buying a foreclosed property can make the process of buying a home a bit more complex. On the up side, sometimes you can really take advantage of discounted pricing. On the down side, it can be a long, complicated process. Foreclosure purchases are different from standard resale situations i…

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…

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…

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…

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…

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