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Every year beginning on Veteran’s Day and for the month of November we do Wills for Warriors. This includes veterans, fire fighters, police officers, first responders as well as active duty military personnel and their spouses.

What do you know about your grandmother? Not much? Then, ask her.

Credit card debt is a problem, both for the nation and for individuals. According to the credit-reporting agency Experian, as of the end of 2018, Americans were carrying about $834 billion in credit card debt. That number continues to grow, especially during the Holidays.

I was meeting with a seller a couple of weeks ago getting things together to get her home listed when she asked me "Will I need to scale back on my Christmas decorations while my home is on the market?"

A Medicare Advantage Plan (MA) is a type of Medicare health plan offered by a private insurance company that contracts with Medicare to provide you with all your Part A and Part B benefits. There are six things to consider when choosing a MA plan. We discussed three of those things last week…

The Federal Government has repeatedly attempted to have the states make driver’s licenses more secure. Beginning October 1, 2020, anyone who travels by air will be required to present a STAR ID driver’s license. This includes travel within the United States. A regular driver’s license will n…

This article was inspired by a Facebook friend who was complaining about the cashier-less checkout lines at Walmart. This person felt sorry for the cashier profession and worried about the fate of the human race if all the cashiers disappeared. I didn’t want to take the wind from my friends’…

Dear Athletic Support: My 11-year-old son isn’t doing what he’s supposed to at home. I can’t get him to do his chores. I can’t get him off his videogames. I feel like I’m losing control. The only activity he really seems to like (besides videogames) is football. I’m thinking about taking him…

There is a common belief that in an automobile accident case the other party’s insurance company, if they were at fault, will pay your medical bills. They will not. They will not pay as you get treatment. They don’t want you to get treatment. What should you do?

Many people who are struggling financially hesitate to consider bankruptcy because they have heard that they will lose their homes if they file for bankruptcy protection. “Can I keep my home if I file for Bankruptcy” is one of the most common questions we hear in our office. The truth, thoug…

A Medicare Advantage Plan (MA) is a type of Medicare health plan offered by a private insurance company that contracts with Medicare to provide you with all your Part A and Part B benefits. If you’re enrolled in a Medicare Advantage Plan, most Medicare services are covered through the plan a…

1. Get ready! Talk to your mortgage professional about your financial situation and credit history to determine your loan options. It’s important to know how much house you can afford based on your down payment and income. A strong letter of pre-approval can really add to your bargaining pow…

After they left, I found the list. I and the parents went to a wedding reception and Grandad was left with the seven month old and four year old. For Grandad’s use, a list entitled, “Ideas for Ruby” (her name written in her own pen) was concocted by her and her dad. I enjoyed reading the lis…

I was watching one of those DIY (Do It Yourself) shows the other day and saw a man “antique-ing” a piece of furniture. He was taking a new piece of furniture and making it look old. He scraped on it, scratched on it and even beat it with a chain. Later in the show, he took a solution he had …

We really appreciate the people who stop and help after an accident and tell what happened.

Medicare Annual Enrollment Period (AEP) extends from October 15th through December 7th. This is the time of year you can sign up for or make any changes to your Medicare Advantage Plan (MA) or Prescription Drug Plan (PDP). Over the next few weeks we are going to look at MA and PDP plans and …

Whether or not you know it’s coming, a power outage can be a major disturbance. It never hurts to be prepared and to know what to do once the lights go out.

Dear Athletic Support: My son has played football since he was in fifth grade. He’s now a junior and getting substantial playing time, but lately he’s been saying he’s “just not that interested anymore.” When I asked him why, he said it was because he knew he wasn’t good enough to get a coll…

The browser is the software you use to waste time on the internet. Examples include Microsoft Edge, Chrome, Firefox, and Safari for Apple devices. All of these browsers have a handy underutilized feature that can come in quite handy when used properly. This feature is called “InPrivate” mode…

I think that I was a little scary as a child – as in things scared me. I remember my dad telling my sister, “Don’t be so scary,” because life scared her. She was always living in worst-case scenarios. I was not that scary, but I do remember particular things and people which/who scared me. W…

Over the years I have seen and heard tons of promotions and educational programs for the first time homebuyer. While I believe it is important for first time buyers to be educated and confident about the process of buying a home, I also see a need to lay out a road map for current homeowners…

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…

A local agent can be a valuable asset to you when signing up for a Medicare Plan. Any agent offering Medicare plans must be licensed by the State of Alabama, appointed by the insurance companies they represent and go through an annual certification required by Medicare. If an agent does not …

I have long been an advocate for “free” instead of paid-for antivirus programs for my retail clients. I simply don’t see the benefit of paying $35 to $99 per year for products that are only marginally better than the free stuff. But as a skeptic, I’m obligated to challenge my own opinions on…

If your car has been damaged and the potential repair costs exceed the value of the car, it is considered a total loss. Here are answers to common questions that spring up when your vehicle has been declared totaled.

No insurance company or other party will pay money without proof that money is owed. This is especially true in personal injury cases where documentation of medical expenses, injuries, lost wages and other claims are required. Unless the claim is documented, the claim will not be paid.

Medicare’s Annual Enrollment Period (AEP) begins October 15th and extends through December 7th. You will find that there are many ways to sign up for your 2020 plan. You can enroll online, enroll over the phone, have a non-insurance person help you enroll or you can enroll in your plan throu…

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…