L yndon Thomas Insurance
MOVE ON THE CHEAP
Last month, I talked about the benefits of talking to a full- service Medicare agent. But admittedly, my services aren’t the best fit for everyone. Here are six reasons not to use Lyndon Thomas Insurance. 1. I’m still working and have an employer-provided group health plan. It’s wonderful that your employer provides you with the group plan coverage. However, there may be ways you can save money and improve coverage before you retire. So, you still might want to give me a call. Full-Service Isn’t for Everybody 6 Reasons Not to Use Lyndon Thomas
Moving can be a stressful experience. Buying or renting a home is expensive enough. But between the down payment or deposit and the cost of movers, the grand total can be overwhelming. However, with these tips, you can cut down on your moving costs. Lighten Your Load and Use Social Media One of the easiest ways to save money and time during your move is by selling and donating unused items in your home. And packing up and moving is so much easier when you have less stuff! “Take your upcoming move as an opportunity to make a little extra spending money when you’re decluttering your home,” says Linda Descano, women and money expert from Citibank’s Women & Co. An easy way to sell your unused items is by posting ads for them on eBay, Craigslist, or Letgo. Tips and Tricks to Make Your Move Less Stressful
2. I want to figure out Medicare on my own.
I applaud your persistence and can-do attitude. Medicare.gov is a great place to start. If your head begins spinning after taking a look at the complex, unique language of Medicare, I’m happy to paint a clearer picture.
3. I love reading junk mail.
Friends and family filling your mailbox with birthday cards feels great. Insurance companies doing the same thing with junk mail when you turn 65, not so much. I’ll help you move that stack of fourth-class mail to the recycle bin a lot faster.
4. I want to enroll with someone I’ll never speak to again.
If you take pleasure in being put on hold and speaking to a nameless representative every time you have a question, use a big company. If you want a continuing relationship with someone who cares about you, that’s what I’m here for.
Social media can be a great tool for getting your moving supplies for free. Make a post on your social media accounts asking for boxes and other moving supplies. People often have extras lying around. Tax Deduction If you’re moving more than 50 miles away, you can save your receipts for a tax deduction, says Adrian Nazari, CEO of credit and loan website creditsesame.com. But you have to keep a few things in mind. In order to receive tax deductions, your move must be job related, and accepting the job would have had to increase your commute by more than 50 miles if you had decided not to move. You also must be employed full time for at least 39 weeks during the 12-month period after you move. Lastly, your employer must not be covering your moving expenses. It’s true, moving can be stressful and expensive. However, following the tips above can not only save you time and effort, they can also save you a good chunk of change.
5. Living dangerously excites me.
Some people just want to fly by the seat of their pants. I take a few risks myself now and then, but not when it comes to medical care. Unless you don’t mind the risk of enrolling in an ill-fitting plan, why not consult with an agent with more than 14 years of experience?
6. I just really, really want to go it alone.
I admire your independence and determination. Keep my contact information handy, though, just in case you need a hand. Whether now or during the annual enrollment period in future years, I’ll be here for you.
2 216-B E. Matilija St, Ojai, CA 93023 www.LT-ins.com CA# 0D96309
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