Spotts Insurance Services, LLC Blog
Do you have family members who are turning 65 years old, soon? If you, your parents or grandparents will be requiring Medicare Supplemental Packages in the near future, read on and the person you might help save money can even be yourself.
Energy takes a huge chunk out most family’s household budget, with most spending about $2500 each year on utilities. Here are ten energy saving tips that will help you make your home more energy-efficient and in turn, save you money on electric bills.
Life insurance provides a financial safety net for your loved ones. To help you choose what features to look for, here are some of the best life insurance advice several insurance experts have given — tips that could save the first time insurance buyer from making costly mistakes.
An immediate annuity can be your best option for a sure-fire way to get retirement income.
Here are some tips that can help you choose among different insurers..
Just as some banks pay higher rates for time deposits (CDs) or savings accounts, some insurance companies pay higher rates for annuities. Payouts can vary from 6% to 10%. Before investing, do your research and get quotes from different insurers.
Over your lifetime, you will accumulate many valuable items. These can both be items with high sentimental value and high nominal value. Both will be extremely precious to you. How should you best safeguard them? Where is the best place to keep them? From documents, heirlooms, pictures, and all kinds of items, here are some of the common items that must be safeguarded.
From the moment you start your car, listen to every message it is telling you. A good quick ignition and the roar of your engine tells you all is working well and fine. You know the sounds your car makes, from the humming of the tires, to the sound of your engine. But what if you hear something different? A sound that is not normal to your car. It may indicate something is wrong. Know what your car is telling you. Here are some common sounds that may indicate there is something wrong.
It may seem dark and morbid, but is it a good idea to plan your own funeral? Should you prepare in advance for your death? You may feel like death is a long time from now, but the truth is life is unpredictable. It can be short, and it can end unexpectedly. Before you start making any plans, here are some justifications on why you should always plan early.
If you are a senior citizen of good general health, it is advised that you put in 150 minutes of exercise in a week. This is the recommendation of the Center for Disease Control and Prevention. This may seem like a big number, but you can break it down within the week. Each session can only last 15, 20, or 30 mins depending on the exercise. Your goal here is to improve your overall health by improving your flexibility, strength, and balance. Here are some exercises recommended for people 65 years and older.
They say that working for many years in one company will increase your salary and your position. But honestly speaking, most workers have leveled up in their career but not in their savings. Saving for retirement is one of the most important things that you need to do. Unfortunately, since you are tied up with bills and amortizations, people spend years of trying to save but come up short in savings and retirement.
It's a major effort on the part of the US government to provide affordable health insurance for seniors over the age of 65, people with certain disabilities, and people of any age who have permanent kidney failure. Health insurance is a type of insurance coverage that pays medical and surgical expenses incurred by the insured.