By paying attention to your dreams and taking the time to shape them into concrete aspirations, you are taking a step toward moving yourself in the direction of growth and away from the alternative.
Napoleon Hill, the famous author of one of the most popular personal development books of all time, “Think and Grow Rich”, said, “Man, alone, has the power to transform his thoughts into physical reality; man, alone, can dream and make his dreams come true.”
He has gone on to say, “thoughts are things.” The importance of paying attention to your desires and treating them seriously cannot be overstated.
A vision board is a concrete representation of your desires and aspirations for a compelling life. They are fun to create and can serve as an invaluable tool to motivate and inspire you towards concrete daily action in pursuit of your biggest and most important life goals.
With a vision board in hand, you will be moving toward growth in the most important areas of your life!
Manifest Miracles, vision board, weight loss vision board, manifest love, manifest money, law of attraction, dream house, dream car, dream relationship.
Prescription drug prices are not regulated. The cost of a prescription may differ by more than $100 between pharmacies across the street from each other!
Insurance isn’t helping like it used to. In the past 10 years, insurance companies started passing 25-80% more of the cost of drugs onto patients.
How can GoodRx help me?
GoodRx gathers current prices and discounts to help you find the lowest cost pharmacy for your prescriptions. The average GoodRx customer saves $355 a year on their prescriptions.
GoodRx is 100% free. No personal information required.
How do I find discounts for my drug?
It’s easy. Just go to thehttp://www.GoodRx.com home page, type in your drug’s name in the search field, and click the “Find the Lowest Price” button.
We’ll even help you spell the name of your prescription.
What are GoodRx coupons?
GoodRx coupons will help you pay less than the cash price for your prescription. They’re free to use and are accepted at virtually every U.S. pharmacy.
Your pharmacist will know how to enter the codes on the coupon to pull up the lowest discount available.
How do I use a GoodRx coupon?
It’s similar to using a coupon at a grocery store. Simply print the coupon and bring it with you to the pharmacy when you pick up your prescription. The pharmacist will enter the numbers on the coupon into their system to find the discount.
Don’t have a printer or want to save paper and ink cartridges? You can show the coupon on your phone by:
A) Sending the coupon to yourself via email or text
Financial Road Map- How to get where you want to go!
The first step on your financial journey is to create a 6 to 9 months “Emergency Fund” made up of what it will cost to life if you were to lose your source of income.
This should be put into a savings account that you can access at any time. You’r looking for access and safety of your money not profit.
Pay yourself first!
You should live on 90% or less of your income. From any source of income put aside at least 10% as a buffer beyond the amount in your Emergency Fund.
Why? Because SHIT happens and when it does you want to have some CASH available!
Good Debt vs. Bad Debt: An Overview
There certainly is an argument to be made that no debt is good debt, but borrowing money and taking on debt is the only way many people can afford to purchase big-ticket items like homes and cars. While such loans usually are justifiable and bring value to the person taking on the debt, there is another end of the spectrum that involves taking on debt through careless spending on a credit card.
Real estate, including homeownership. There is a variety of ways to make money in real estate. On the residential front, the simplest strategy often involves buying a house and living in it for a few decades before selling it at a profit. Residential real estate also can be used to generate income by taking in a boarder or renting out the entire residence. Commercial real estate also can be an excellent source of cash flow and capital gains for investors.
The stock market is the market of the greater FOOL!
The seller thinks the buyer is a fool for buying something the seller thinks will lose value while the Buyer thinks the seller is a fool for selling something he thinks will go up in value.
When Can You Invest
First rule of investing is to only invest what you can afford to lose.
This means you have paid off your credit card debt, created an emergency fund and have a cash buffer in the bank.
Why do you need to do all these things first, it is because the market can be down when you need money and you will get far less than you put in
Investment vs Speculation
Investing in the market requires a long term commitment of at least 5 years.
Why 5 years? On average if you invest in the market long term 5 years should be enough time for you to recoup your losses.
An investment can best be thought of as something that you have researched that promises safety of principal and a satisfactory return. Investment not meeting those requirements are considered speculation.
What are Stocks vs Bonds
Bonds vs. Stocks.
Bonds are debts while stocks are stakes of ownership in a company. … On the other hand, bonds often pay out a fixed interest rates that the entity pays the investor, out annual interest rates to investors while repaying the amount in full at a given time.The value of stocks is based on the profits and future prospects of a company as judged by the market. A stock can go up in value or down in value causing to make or lose money.
How to Reduce Risk
What Is Diversification?
Diversification is a risk management strategy that mixes a wide variety of investments within a portfolio. A diversified portfolio contains a mix of distinct asset types and investment vehicles in an attempt at limiting exposure to any single asset or risk. The rationale behind this technique is that a portfolio constructed of different kinds of assets will, on average, yield higher long-term returns and lower the risk of any individual holding or security.
The Basics of Diversification
Diversification strives to smooth out unsystematic risk events in a portfolio, so the positive performance of some investments neutralizes the negative performance of others. The benefits of diversification hold only if the securities in the portfolio are not perfectly correlated—that is, they respond differently, often in opposing ways, to market influences.
What are Mutual Funds
What Is a Mutual Fund
A mutual fund is a type of financial vehicle made up of a pool of money collected from many investors to invest in securities like stocks, bonds, money market instruments, and other assets. Mutual funds are operated by professional money managers, who allocate the fund’s assets and attempt to produce capital gains or income for the fund’s investors. A mutual fund’s portfolio is structured and maintained to match the investment objectives stated in its prospectus.
Mutual funds give small or individual investors access to professionally managed portfolios of equities, bonds and other securities. Each shareholder, therefore, participates proportionally in the gains or losses of the fund. Mutual funds invest in a vast number of securities, and performance is usually tracked as the change in the total market cap of the fund—derived by the aggregating performance of the underlying investments.
Taxable vs Tax Deferred
Taxable, Tax-Deferred, and Tax-Exempt
Generally speaking, investments can be taxable, tax-deferred, or tax-exempt. The first step toward tax-efficient investing is to determine how your investments are structured under the law:
If the investment is taxable, the investor must pay taxes on the investment income in the year it was received. Taxable accounts include individual and joint investment accounts, bank accounts, and money market mutual funds.
If the account is tax-deferred, the money is sheltered from taxation as long as it remains in the account. Traditional IRAs and 401(k) accounts are examples of tax-deferred savings.
For tax-exempt accounts, such as municipal bonds, investors do not need to pay federal taxes even when the money is withdrawn.
Each has its advantages and disadvantages. As a rule of thumb, tax-efficient investments should be made in a taxable account, and investments that are not tax-efficient should be made in a tax-deferred or tax-exempt account. Granted, not everyone has both.
In this video I have tried to give you the first stepping stones to your financial future, it is now up to you to learn more and do the hard work that your financial future requires of you.
One day the old you will ask the young you what did you do with all the money we made during our work years.
Information provided in this video are for informational purposes only, not intended to provide tax or legal advice or serves as the basis for financial decisions. Your needs, objectives and experience will vary. Consult a qualified investment or tax professional regarding your individual situation.
• •The average person spends over $1,000 or more per year on it!
• Most of us don’t have health insurance coverage for it!
• You need it more than ever when you are in your senior years.
• Most of us avoid thinking about it until it’s hit with right in the mouth.
• It’s the cost of your dental care!
• What AboutDental Insurance? • Dental insurance is not profitable for insurance companies and this is why it provides so little coverages.
• Adverse selection -A common example of health insurance occurs when a person waits until he knows he is sick and in need of health care before applying for a health insurance policy. Most people wait years before buying dental insurance until they need dental work. People always use up the max of dental coverages.
• The way insurance works are based that a certain percentage of people will not use the coverages which will cause the insurance company to lose money.
Dental Savings Plan
A dental savings plan you pay an annual fee and get access to significantly reduced rates. And dental savings plans offer many benefits over traditional dental insurance. Things like no annual caps or limits and absolutely no paperwork.
Our plans cover more than 100,000 dentists nationwide. These quality providers have agreed to charge reduced fees on the dental services you need. So you’ll get the quality care you deserve at bigger savings than you ever imagined possible.Go to our website https://www.InsuredMeds.com to find your Dentist and enroll.
nsuredMeds.com is an independent Health, Medicare, Life, Final Expenses insurance specialist. We work for you not the insurance companies to get you the best prices and insurance protection. IMC
How To Get Help Paying For Prescriptions If Your A Middle-class
The Elderly Pharmaceutical Insurance Coverage (EPIC) program is a New York State program for seniors administered by the Department of Health. It helps more than 327,000 income-eligible seniors aged 65 and older to supplement their out-of-pocket Medicare Part D drug plan costs.
Even if you earn up to $100,000 filing joint you can enroll in EPIC.
InsuredMeds.com is an independent Health, Medicare, Life, Final Expenses insurance specialist. We work for you not the insurance companies to get you the best prices and insurance protection. IMC
A senior citizen got a call from someone claiming that his Social Security number had been “compromised,” according to report.
The “Robo type” caller told the senior to call a special number, in order to fix the so-called problem.
Instead, the senior did what police say a victim should always do in a case like this — call the police.
Law enforcement told him to get a free credit check, to confirm that his social security number had not been used in a fraudulent manner.
These types of robocall scams are happening across America.
The fraudulent schemers target senior citizens and Medicare Part D participants. The scams can occur anytime, but they tend to increase during tax filing time when getting someone’s Social Security number can provide access to a person’s tax return information.
1-800-772-1214 Comes On Caller I.D.
The Robo caller even has a way for the Social Security Administration’s national customer service line to come upon a person’s caller ID.
The schemer identifies themselves to the senior or veteran as an SSA representative. They then tell the senior or veteran that the SSA does not have all their required information, such as their Social Security Number, on file.
Another scheme is that the SSA need additional information to increase the senior or veterans benefit check, or that the SSA will stop the senior or veterans payments if they do not confirm their information.
“A legitimate caller will leave a message and you can call them back.”
An SSA staffer will never tell you that you can lose your benefits or increase your benefits in return for you providing the requested information.
If you get this robocall it is a fraud scheme and you should hang up. Hanging up is your best protection if you get this type of call.
Never give your SS number or banking information to someone that called you out of the blue either on the phone or over the internet.
Report this scheme to the Office of the Inspector General at 800-269-0271 or oig.ssa.gov/report.
Our female veterans deserve better care when they come home. They deserve treatment opportunities and care that is gender specific. Trying to tailor medical and mental health treatments designed for men to work with women is not an option. Systems must be designed so that women who serve are properly cared for in every aspect, with gender specific treatment options and devices.
Access to gender-appropriate care for these veterans is essential.
Gender Differences in Treatment for Disabilities
A troubling area where female veterans are not provided adequate and equal care after their service is in treatment for disabilities. Many women lose one or more limbs just like male veterans do, however prosthetic devices, support, and medical care for these injuries are based on male physiology. Women tend to have smaller arms and shoulders, with wider hips and legs than male counterparts.
Prosthetic used for women tend to fit improperly because of the physical differences between the genders. This can create many hardships, and cause considerable emotional distress as well as problems with confidence and self-esteem for female veterans. While customized prosthetic for women are available on the private market they are generally not offered by government agencies.
Vital Healthcare Services For Female Veterans are Lacking
The number of women veterans is growing, and the VA is simply not doing enough to meet their health, social, and economic needs.
As more women serve in the military, the rates of PTSD in women veterans continue to keep pace with male statistics. Although some of it is caused by combat or related stress, the effects of Military Sexual Trauma (MST) have an outsized effect on women.
The DoD and the VA still fall short of providing equitable health care services to all veterans. There are few, if any, gender specific care guidelines and services that are necessary for women such as breast and cervical cancer screenings. Policies must be changed and improved on so that women who serve are not left behind once they return home.
The best way for a female veteran is to have other health insurance other than the VA. Once a female veteran has been disabled for two years and receiving social security she can then apply for Medicare and receive additional medical benefits, those who turn 65 automatically qualify for Medicare.
What Services Does VA Offer Female Vets?
VA provides comprehensive primary care that includes services for acute and chronic illnesses, preventive services, and gender-specific care, and other services. VA’s medical staff are experts in providing medical care and services beyond primary care, including:
• Military sexual trauma-related care
• Military and environmental exposure
Women Veterans can apply for VA health care enrollment and other Veterans benefits by completing VA Form 10- 10EZ. To complete the form:
• Apply online at www.1010ez.med.va.gov •
Visit, call, or write to any VA health care facility or Veterans’ benefits office • Call the VA Health Benefits Call Center toll free at 877-222-VETS (8387)
• Get more information online about VA benefits (www.vba.va.gov) and eligibility (www.va.gov/ healtheligibility/)
Please share with any veterans who need this information.
Why does VA require you to provide information on your health insurance coverage (including coverage under a spouse’s plan)?
They ask for this information because they have to bill your private health insurance provider for any care, supplies, or medicine we provide to treat your non-service-connected conditions (illnesses or injuries that aren’t related to your military service).
They don’t bill Medicare or Medicaid, but we may bill Medicare supplemental health insurance for covered services.
What if my health insurance provider doesn’t cover all the non-service-connected care that VA bills them for?
You won’t have to pay any unpaid balance not covered by your health insurance provider. But, depending on your eligibility priority group, you may have to pay a VA copayment for non-service-connected care.
Does it help me in any way to give VA my health insurance information?
Yes. Giving the VA your health insurance information helps you because:
When your private health insurance provider pays them for your non-service-connected care, VA may be able to use the funds to offset part—or all—of your VA copayment.
Your private insurer may apply your VA health care charges toward your annual deductible (the amount of money you pay toward your care each year before your insurance starts paying for care).
Does your current health insurance status affect whether you can get VA health care benefits?
No. Whether or not you have health insurance coverage doesn’t affect the VA health care benefits you can get.
Note: It’s always a good idea to let your VA doctor know if you’re receiving care outside VA. This helps your provider coordinate your care to help keep you safe and make sure you’re getting care that’s proven to work and that meets your specific needs.
If You Are Accepted Into VA Health Care Program
Should you give up my private health insurance or other insurance (like TRICARE or Medicare) if you’r accepted into the VA health care program?
This is your decision. You can save money if you drop your private health insurance, but there are risks. The VA encourages you to keep your insurance because:
The VA doesn’t normally provide care for Veterans’ family members. So, if you drop your private insurance plan, your family may have no health coverage.
The VA doesn’t know if Congress will provide enough funding in future years for it to care for all Veterans who are signed up for VA health care. If you’re in one of the lower priority groups, you could lose your VA health care benefits in the future. And, if you don’t keep your private insurance, this would leave you with no coverage.
If you have Medicare Part B (coverage for doctors and outpatient services) and you cancel it, you won’t be able to get it back until January of the following year. And, you may have to pay a penalty to get your coverage back.
Should You Signup For Medicare When You Turn 65
Yes. The VA encourages you to sign up for Medicare as soon as you can. This is because:
The VA doesn’t know if Congress will provide enough funding in future years for it to provide care for all Veterans who are signed up for VA health care. If you’re in one of the lower priority groups, you could lose your VA health care benefits in the future.
Having Medicare means you’re covered if you need to go to a non-VA hospital or doctor—so you have more options to choose from.
If you delay signing up for Medicare Part B (coverage for doctors and outpatient services) and then need to sign up later because you lose your VA health care benefits or need more choice in care options, you’ll pay a penalty. This penalty gets bigger each year you delay signing up—and you’ll pay it every year for the rest of your life.
If you sign up for Medicare Part D (coverage for prescription drugs), you’ll be able to use it to get medicine from non-VA doctors and fill your prescriptions at your local pharmacy instead of through the VA mail-order service. But you should know that VA prescription drug coverage is better than Medicare coverage—and there’s no penalty for delaying Medicare Part D.
Having Both VA & Medicare
If you signed up for VA health care, and you also have Medicare, what’s covered by each?
You’ll need to choose which benefits to use each time you receive care.
To use VA benefits, you’ll need to get care at a VA medical center or other VA location. The VA also covers your care if they pre-authorize you (meaning we give you permission ahead of time) to get services in a non-VA hospital or other care setting. Keep in mind that you may need to pay a VA copayment for non-service-connected care.
If you go to a non-VA care setting, Medicare may pay for your care. Or, if the VA only authorizes some services in a non-VA location, then Medicare may pay for other services you may need during your stay. Check your Medicare plan so you know which care locations and services you’re covered for.
Health Savings Account (HSA) And VA Care
Can you use your Health Savings Account (HSA) or Health Reimbursement Arrangement (HRA) to help pay for VA care for non-service-connected conditions?
Yes. The VA may bill and accept reimbursement from High Deductible Health Plans (HDHPs) for medical care and services to treat your non-service-connected conditions. If you have an HDHP linked to an HSA, you can use your HSA to pay your VA copayments for non-service-connected care.
The VA may also accept reimbursement from HRAs for care the VA provides to treat your non-service-connected conditions.
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