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All Blog Posts Tagged 'insurance' (15)

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Douglas Karr My Healthcare Rant (a different perspective than Mike's)

I wanted to write a different perspective than Mike's Rant on Healthcare. Healthcare is broke. You know it. I know it. People talk about the expense involved in universal health care and paying Americans having to foot the bills for non-paying Americans. Guess what? You already pay. If I don't have insurance and I get in a car wreck, I still get services and you still pay for it. There are… Continue

Added by Douglas Karr on July 28, 2009 at 10:50am — 8 Comments

Kevin M. Hill Insurance Companies Can Help You Go Green

Going green is a popular topic these days. Everyone wants to do their part to create a sustainable environment, as long as it doesn't cost too much. I am not going to get into the details of how and why a company goes green. Those topics are better left to experts like Lynn Jenkins and her publication Indiana Living Green. What I want to focus on is the topic of insuring against loss for the extra expense a company goes to when they actually go green. Let's start with a small… Continue

Added by Kevin M. Hill on April 17, 2009 at 11:37am — No Comments

Ben McCann FAQs About COBRA For Workers And Their Families

FAQs About COBRA For Workers And Their Families Q1: I have heard that the Stimulus package signed by the President included a new temporary COBRA premium reduction. I would like more information. COBRA (the Consolidated Omnibus Budget Reconciliation Act of 1985) provides for a temporary extension of employer-provided group health coverage, commonly called COBRA continuation coverage. The American Recovery and Reinvestment Act of 2009 (ARRA) expands eligibility for CO… Continue

Added by Ben McCann on March 4, 2009 at 2:25pm — 1 Comment

Ben McCann Strategies for Business Owners - A Summary

Life insurance can meet business needs as well as personal needs. When the business is the largest asset of an owner’s estate, life insurance becomes a major planning tool. Continuation of the business after death, replacement of key employees, equalization of inheritance for heirs not interested in the business, or the buyouts of other business partners become major estate planning concerns. There are many strategies to assist business owners to meet these estate-planning concerns. Below is a… Continue

Added by Ben McCann on February 4, 2009 at 6:30pm — No Comments

Ben McCann ILIT - The Irrevocable Life Insurance Trust & Their Benefits

Have you ever heard of and ILIT? Have you ever heard financial professionals talk about them? Here are some interesting facts about them, especially if your estate has significant value. Within an estate plan, life insurance can be used to: • Pay estate taxes • equalize the estate between heirs • Fund state death taxes • Fund business continuation plans, such as buy-sell agreements • Provide funds for charitable bequests People who need large amounts of life insurance need to be a… Continue

Added by Ben McCann on January 27, 2009 at 5:00pm — No Comments

Cindy Hartman Nintendo's Wii causing insurance claims?

I've been hearing and reading stories lately of increased insurance claims due to Nintendo's Wii. Yes, that's right - video game-related insurance claims! Men, women and children are enjoying the Wii because of the opportunity for interaction while playing the wide variety of games, including tennis, golf, bowling and even the Olympics. Unfortunately, this activity (much better than sitting on a couch pushing a button or two) is what has caused the filing of many insurance claims. Rather than p… Continue

Added by Cindy Hartman on January 24, 2009 at 7:43pm — 1 Comment

Ben McCann Funding a Charitable Life Estate Plan Using Life Insurance

No crystal ball can reveal what will ultimately happen with the house part of your estate. Although, the house is often a donor’s largest asset in his or her estate, its value can fluctuate depending on factors beyond a donor’s control. One way to plan around this uncertainty is to create a “charitable life estate” complete with enough life insurance to replace the “would be” value of the home. What is a “Charitable Life Estate”? A charitable life estate involves gifting a reside… Continue

Added by Ben McCann on January 20, 2009 at 5:30am — No Comments

Cindy Hartman What the HECK are you doing? she asked

Following is a guest post by J.Sewell Perkins, a Life and Business Development Coach for nearly two decades, J.S. (as she is called) works with national and international corporations, corporate leaders and small business owners. Previous to owning her own business, she was the head coach for Tony Robins Companies, coaching the coaches and also chosen to coach on Tony’s hand-picked Elite Coaching Team. Her mission: “To make each life I touch better in some way for my having touched it.” Her… Continue

Added by Cindy Hartman on January 15, 2009 at 9:02pm — No Comments

Ben McCann The Buy/Sell Agreement - A Cornerstone for Business & Succession Planning

What would happen to your business in the event of premature death, termination or retirement of a partner or co-owner? Would the remaining owners have the funds available to continue the business? Would there be the risk of losing the business or would the remaining owners have to accept new or unwanted owners? how would the IRs value the business interest for estate tax purposes? a Buy/sell agreement can help provide the answers. What is a Buy/Sell Agreement? a Bu… Continue

Added by Ben McCann on January 13, 2009 at 4:30pm — No Comments

Cindy Hartman Timely advice - the holidays are a perfect time to update your home inventory

We receive gifts this time of year, many of which replace something old or worn out. And some of us take advantage of the sales and purchase new items for ourselves. It's important to add these items to your inventory (assuming you've taken my suggestion and created one - or called an inventory provider to do it for you). Well, there is something else that must be done as part of your updates. Remove the items you no longer own. By keeping your business or home inventory current, you'll make it… Continue

Added by Cindy Hartman on December 23, 2008 at 10:12pm — No Comments

David 'GuruConnector' Hall HHS Panel on Healthcare @ Rathskeller 3PM Dec 23rd

Health care is a top priority for President-elect Obama and for Senator Tom Daschle, Secretary-designate for Health and Human Services (HHS). They both are committed to health care reform that comes from the ground up -- that's why this holiday season, we're asking you to give us the gift of your ideas and input. To download the Participant Guide for all attendees, visit http://change.gov/participantguide. We hope that we will be selected by the folks at Change.gov for a visit from Sen. Daschl… Continue

Added by David 'GuruConnector' Hall on December 22, 2008 at 9:31pm — No Comments

Cindy Hartman No one told me I needed to know how many pair of shoes I own!

Rather than Self-promotion, I decided to let Deborah Butler, a loan originator at Star Financial Bank, do the talking. Her story demonstrates how quickly your life can be turned upside down... When I first heard about Hartman Inventory's service, I thought that it was a good idea. However, I kept delaying scheduling an appointment, making excuses like being too busy. Well, here is why I regret putting it off. On May 30th 2008, my home was hit by a tornado. By the grace of God, no one wa… Continue

Added by Cindy Hartman on December 16, 2008 at 5:48pm — No Comments

Matt Breeden General Liability?

From Matt Breeden's SportsLawGuru.com This past week I was invited by WSIB Motorsports Insurance and Chubb Custom Insurance to speak to a group of race track owners and operators in Reno, NV. The tracks represented were oval tracks from all around the country, most of which are members of ASA. It was a great event and I would like to thank WSIB, Chubb and ASA for their hospitality. The topic of my presentation was primarily related to the enforceabi… Continue

Added by Matt Breeden on December 11, 2008 at 7:47am — No Comments

Mark Howard The value of a PPO copay plan, and of an HSA plan

Most people are so used to copay plans that they don’t consider what the value of the copay is. Here is what I see most commonly, a copay on a Dr visit for individual health insurance only covers the cost of the ‘office visit charge’, nothing else. That is not the same as group insurance. Most good PPO networks mean your Dr office visit charge is the $50 range. So a Dr. visit office charge copay of $25-$45 doesn’t save you a lot of dollars. Most importantly, what the copay does is disqualify you… Continue

Added by Mark Howard on November 30, 2008 at 8:30pm — 7 Comments

Cindy Hartman Stock losses, hurricane claims will drive up premiums

Check out this article; possibly it's time to get a few quotes on your policies. You might find you have a good policy and good rate (and $ isn't always the only thing to consider...customer service is key with insurance!). If not, then you might want to investigate alternatives. Continue

Added by Cindy Hartman on October 21, 2008 at 2:00pm — No Comments

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