Insurance Experts Team

We Make Insurance Simple & Easy

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Karla Flores

Insurance RX

I Make Insurance Easy & Simple

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

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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.

NIA – Neuromuscular Integrated Action

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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
 
Health and fitness are life-long passions for Karla. She uses NIA to support her work with IHC.

Up your tax game today to pad your wallet

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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.

Lower Your Blood Sugar & Sleep Better

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In How a Good Night’s Sleep Fights Diabetes we showed the link between quality sleep and preventing diabetes.  Keep your blood sugar in the normal range all night with the following actions…

  • Take some deep breaths before going to bed. Just a couple of deep breaths promotes mindfulness…helps you relax…and makes you fall asleep faster.
  • Avoid spicy food, caffeine and alcohol at night. Why? These can spike sugar levels at a time when your body needs a steady level in order to repair muscle and tissue.
  • Stay cool! A cool room is easier to sleep in than a warm one.
  • Make it dark and quiet. Blue lights like those from cell phones, tablets and TVs can make falling asleep especially difficult. Try turning off screens an hour before going to bed.
  • Establish a habit. Our bodies like routines. Set a regular sleep routine to help your body take advantage of its internal circadian rhythm.

Not only do these steps deter diabetes, they make sure you’re at your best during your waking hours.

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Talk to an Expert

Are you unhappy with your health insurance premium? Are your employers paid health insurance premiums too expensive? Are you self-employed and looking for affordable health insurance? Are you in a job transition and don’t where to go for health insurance? Are you working in a corporate job just for the health insurance benefits? If you answered “yes” to any of these, I can help you.

Click here to schedule a phone appointment.

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Insurance RX

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480-650-0018

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