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Posts from the ‘MORTGAGE PLANNING’ Category

29
Mar

Does Your Heart “Skip a Beat” When Your Pharmacist Gives You the Bill!! STOP AND READ!!

Within the past two years my wife and I decided to switch our Health Insurance Plan to the HSA Plan. A plan that allows those a chance to save more by personally managing their own health costs.. As great as this may be, I can’t help but have my heart race at the price of prescriptions!! Each year we try to take advantage of this “opportunity”, but find ourselves using our tax refund to pay our medical expenses.. In fact, just the other day the Pharmacist asked me for $550.00 as if it were the norm!  I just COULDN’T pay for it, so embarrassed as I was I humbly said no thanks, and pulled away… What!?!?!  My health is at stake!!!! 

YEAH, BUT SO ARE MY BILLS!!!! 

YET..

There is a way to save!!! 

In my anguish I quickly called my doctor and pressed into the situation and my circumstance….  “What do I do? ” I asked..  What I found was amazing!! The receptionist suggested I check into Walmart, Costco, and even Canada to see if I could find something less…HUH!!?!?!? CANADA!?!? I couldn’t believe it but with a touch of a button I was saving over half the costs!!  Even with shipping! 

Here is the link: Pharmacy Checker

If you haven’t tried this I would highly recommend looking into it!  I AM SOLD!!

Below is a personal example of a search I did on Advair. A miracle drug that has saved me from a life with Asthma!

 Without insurance coverage this would be $350.00 for a 30 day supply!!!  KNEES SHAKING!!! 

 

 

31
Jan

How to Get Health Care Insurance After Separating from The Military

“I JUST LEFT WALGREEN’S AND PAID A $400.00 FOR PILLS!!  IN A TIME WHEN THE ECONOMY IS BEATING US ALL UP I THOUGHT I WOULD PASS THIS INFORMATION ON TO THOSE WHO TRULY DESERVE IT. OUR VETS!!  HOPE THIS HELPS ANYONE WHO HAS SERVED OUR COUNTRY!! GREAT INFORMATION FROM THE MILITARY WALLET.

The most important thing to consider when separating from the military is ensuring your immediate needs are taken care of. This includes making sure you have some cash coming in to cover your bills, a roof over your head, and health care coverage for you and your family. Unfortunately, you can only take your military health care benefits with you in limited circumstances, which we will cover in this article. If you don’t meet the limited qualifications for taking your TRICARE benefits with you, then you will be required to find your own health care. We will cover a few other options for finding affordable health care coverage in this article. These tips can help you find the best places to get medical benefits to make sure your family is covered.

via How to Get Health Care Insurance After Separating from The Military.

30
Jan

4 GREAT REASONS TO REFINANCE USING HARP LOANS..

During the term of your mortgage, you may want to refinance to meet a variety of personal and financial goals. Refinancing will completely replace your current mortgage loan, providing you with new terms, rate and monthly payment.

Borrowers often refinance to:

Secure a lower interest rate. If interest rates are lower than when you received your current mortgage, you could reduce your monthly payments and the total amount of interest that you pay over the life of the loan by refinancing at a lower rate. When considering this option, you will want to take into account how long it would take you to recapture all of the costs of refinancing through savings from the new mortgage payment.

 

Convert from one type of mortgage to another. If your current mortgage is no longer the right fit, refinancing can help you obtain a different loan type. For example, if you currently have an adjustable-rate mortgage and seek the security of a set interest rate and stable monthly payment, you could change to a fixed-rate mortgage.

Build equity faster. If your financial situation has improved since you bought your home, you may want to secure a mortgage with a shorter term. Your monthly payments will most likely be higher, but this will help you own your home sooner and pay less in total interest charges.

 

Avoid foreclosure. If you are current on your mortgage payments but unable to refinance because you have little or no equity in the home, you may be able to refinance to a lower or more stable rate through a Home Affordable Refinance Program.

via Refinancing Your Mortgage – Freddie Mac.

 

14
Jan

PLEASE TAKE MY POLL:

In trying to meet the needs of clients, it would be so great to get the opinions of people on what information I can provide to make the mortgage industry easier to understand.  Feel free to add comments!

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