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Nothing Beats Keeping Your Real Teeth

September 13, 2022 By Insurance Experts Leave a Comment

Did you know mouth guards save tens of thousands of teeth every year? When it comes to sports, wearing one is part of the uniform. Basketball pro Stephen Curry tends to push his mouth guard out almost every time there’s a break in the game. But one the action starts, it’s back in place.

And for good reason…

Mouth guards actually improve performance. They prevent teeth from clenching which fatigues jaw muscles. They absorb the force of contact and decrease the possibility of teeth getting chipped, broken and lost completely. Knowing they’re protected allows athletes to better focus on the game.

And they’re not just for contact sports. Even non-contact activities – like gymnastics, ice skating and skiing cause falls. When jaws come together, the teeth hit each other and the resulting damage is permanent. Think of a mouth guard as an “airbag” around your teeth. Protecting those ‘pearly whites’ avoids procedures like root canals and implants. Better yet, you’re able to show off your best smile!

Filed Under: Dental Health, Health Insurance

You Don’t Have to Wait…. for open enrollment, that is

August 19, 2022 By Insurance Experts Leave a Comment

Myth 1 – You can only get a health insurance policy during open enrollment which is Nov 1st – December 15th. 

Many people don’t realize that there are numerous options outside of the Affordable Care Act (a.k.a. Obama Care) that they can enroll in 365 days a year. That means that if you are between jobs, getting a divorce, leaving a corporate job to start your own business or have just moved into a new state, you can have health insurance effective immediately. 

From short term plans to a permanent plan with a rate lock on your monthly premium, there are many options available that will fit your needs and budget. 

Are you concerned about what these options will cost? Most of these options are a fraction of the cost of an unsubsidized Affordable Care Act/Obama Care plan. 

To receive your best return on your premium dollar spent, one should speak with a health insurance broker that specializes in Individual health insurance.

Filed Under: Affordable Care Act, Health Insurance

Medical Debt

August 9, 2022 By Insurance Experts Leave a Comment

A recent study showed that 9% of US adults owe a medical debt of $250 or more. That’s 23 million people! New rules about reporting medical debt are going into effect. Read this article to know your rights and responsibilities.

Filed Under: Health Insurance

NIA – Neuromuscular Integrated Action

July 25, 2022 By Insurance Experts Leave a Comment

It is not new, but may be new to you.
 
NIA is a class, practice and lifestyle that blends movement, mindfulness, connection and joy to provide a whole body and whole being experience that activates, transforms and liberates body, mind and spirit.
Integrating ancient wisdom and modern science with elements of dance, martial arts and healing arts, NIA offers physical, mental and emotional conditioning, healing and transformation that is accessible and attainable for everybody at any age.
 
NIA promotes strength and muscle definition without the use of weights. And its freeing, dance-like regimen provides a medium for self-healing. It is a holistic approach uniting the body and the mind that anyone can follow toward a healthy, fit physique, lasting weight loss and an unlimited sense of fitness potential.  To learn more about NIA and how you can find classes either in person or
go online.
 
Health and fitness are life-long passions for Karla. She uses NIA to support her work with IHC.

Filed Under: Prevention

Up your tax game today to pad your wallet

July 20, 2022 By Insurance Experts Leave a Comment

We’re half-way through the year, and this is the best time to make sure that you and your business are doing the right things to save every possible dollar.  As a business owner, one of your many jobs is to maximize the tax code to minimize your tax dollars.  And as an individual, you need to make sure every dollar possible goes to your family, your entertainment, your investments and your retirement.

Have a plan.  Meet with your tax professional at least twice a year in addition to tax time.  When you are pulling documents and working towards filing a return, it’s not a good time to make changes and plans.  So set up a time to meet after the return is done, and again before the year is over.  Make sure you’ve discussed and checked off all these items:

  • What taxes do I need to pay quarterly to avoid penalties?
  • Have I maximized my non-taxable retirement contributions?
  • Is my accounting system up to date and reconciled?
  • If I’m an S-Corp, did I pay my own payroll?
  • Am I on track to file all quarterly and year end reports?
  • Do I need to/should I purchase capital items this year?
  • How am I maintaining proof of all expenses?
  • If I am a cash basis taxpayer, should I delay client invoicing? Make contractor payments before the end of the year?
  • Have I maximized my healthcare costs for tax purposes?

Finally, mid-year is a good time to take a hard look at your financials and make adjustments.  With your accountant, partner(s), business mentor, your spouse, or all of the above, look at your profit-and-loss statement.  Compare your results to last year, adjust your marketing efforts and get rid of unnecessary expenditures.  Look at your balance sheet to understand where you are:  Is your business always ready to sell?  Is your borrowing in line with your revenues?  Are you compensating yourself enough? 

If it sounds overwhelming, it’s because you are the expert in your business, but maybe not in accounting and tax planning.  So ask the experts.  Make an appointment today with your tax professional and your accountant.  Spend an hour with each of them, let them help you plan. Your wallet will thank you. 

Article submitted by DeeAnne McClenahan, Enrolled Agent with  MCC Tax Experts.   Text or call  602.214.4608 or make an appointment here for a free consultation.

Filed Under: Medical Costs

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