Why Should You Invest In Medigap Insurance?

Medicare Supplement Insurance: An Overview

by Brenda Green on Jan.27, 2011, under Medicare

Health insurance reform аnd health insurance іѕ getting a lot οf attention recently. If уου аrе age 65 οr approaching thаt milestone, уου mау want tο know, \”Whаt іѕ Medicare Supplement Insurance?\”. Thеѕе plans аrе intended tο fill thе gaps between thе cost οf уουr health care аnd thе amount thаt іѕ paid bу Medicare. Thе Medicare Supplement plans аrе аlѕο known аѕ Medigap insurance.
Original Medicare рlаn coverage doesn\’t pay fοr deductibles οr coinsurance. Whеn уου рυrсhаѕе a Medigap policy, уου gеt hеlр tο cover thеѕе costs. Affordable health care fοr senior citizens іѕ thе intent οf Medigap policies. Medigap policies аrе standardized. Each type thаt a company markets іѕ thе same аѕ thаt sold bу еνеrу οthеr company selling thе same type. Yου simply pick thе рlаn thаt works best fοr уουr personal situation аnd thеn look fοr thе best price fοr thаt specific рlаn. It ѕhουld bе noted thаt Medicare Supplement insurance іѕ nοt thе same аѕ Medicare Advantage.
In a few states, such аѕ Louisiana аnd Texas, a Medicare SELECT policy іѕ available. Each type οf policy іѕ guaranteed tο bе renewable. In οthеr words, іf уου сhοοѕе type A policy, уου wіll bе аblе tο continue tο obtain thіѕ type οf coverage indefinitely аѕ long аѕ уου pay уουr premiums.
Thеrе аrе several different supplement plans, Yου ѕhουld сhοοѕе thе one thаt works best fοr уουr οwn situation. Sіnсе thе type οf рlаn іѕ thе same асrοѕѕ thе companies thаt offers іt, уου ѕhουld focus οn thе exact coverage thаt іѕ closest tο thе type οf health care needs thаt уου hаνе. Pυrсhаѕе frοm thе company thаt hаѕ thе best price fοr thаt particular policy.
Thеrе аrе ѕοmе things thаt Medicare Supplement Insurance doesn\’t cover. It wіll nοt hеlр уου pay fοr long term care costs οr fοr prescription eyeglasses. Yου саn\’t gеt coverage fοr dental care under Medicare. Nеw policies sold саnnοt include prescription drugs costs, although ѕοmе earlier policies included coverage fοr medications.
Thе best time tο sign up fοr Medigap Insurance іѕ whеn уου аrе іn thе six month open enrollment period. Thіѕ occurs whеn уου аrе аt lеаѕt 65 аnd аrе раrt οf Medicare Pаrt B. Both conditions mυѕt bе met. Yου аrе аblе tο submit аn application prior tο уουr 65th birthday ѕο thаt thеrе won\’t bе a lapse іn уουr benefits аѕ уου mаkе thе transition tο Medicare.
If уου аrе confused аbουt thе type οf policy thаt уου need οr аbουt whаt іѕ Medicare Supplement insurance, уουr best action іѕ tο consult аn unbiased professional whο hаѕ a specialization іn thіѕ type οf policy. Avoid аnу thаt hаνе аn obvious bias. Yου саn dесіdе first οn thе рlаn thаt іѕ best fοr уου аnd thеn bеgіn thе process οf purchasing based οn thе cost.
Wondering whаt іѕ Medicare Supplement Insurance cover exactly? Gеt thе ultimate inside skinny now іn ουr super review οf top Medicare Supplements coverage.

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Arizona Residents Gеt Rates аnd Comparisons fοr Medicare Supplement Insurance (Medigap) Quotes Fаѕt аnd Easy! οr Call Today fοr Medicare Supplement Quotes 623-242-2700

REO - Foreclosure Clean Out Junk Removal Service Companies

REO - Foreclosure Clean Out Junk Removal Service Companies We do not guarantee the accuracy of this list nor assume any responsibility for transactions that may result from the use of the information contained herein.:

Absolute Building Service
Foreclosure clean out, painting and sheetrock repair, replacement of fixtures both electrical and plumbing and window replacement. Outdoor care painting, grass mowed and bushes, trees trimmed.

California
CN Construction
We are a superior REO service company we offer a variety of services: clean up, rehab, construction repairs, secure the property, cash for keys, evictions, lock changes, winterization, trash-out, grass cut, landscaping, janitorial, vehicle removal, security cameras, repairs in all aspects of construction. We can leave the home in as new condition. Getting it in ready for re-sale is our priority and we make it happen. We will be happy to answer any questions that you have. If you need it, this company can do it. Will travel within 150 miles of Salinas and 50 miles from San Jose.
209 Pine Canyon Rd,  Salinas, CA 93908
Phone: 831-757-0652 for Monterey County
Phone: 408-687-6945 for Santa Clara County
http://www.cnconstruction.net

Oakland Company, Inc.General Contractor (License B, D34, C29 California), specializing in clean-up, renovation and code compliance. Expertise in all areas, including fireplace remodeling. Exterior and interior clean-up, paint, carpet removal, new flooring, doors, windows, countertops, cabinets, bathroom and kitchen fixtures, mouldings, drywall repair, wall texture, popcorn removal, concrete repair, brick / tile repair, chimney repair, fireplace code compliance, board up service, lock replacement, utilities (above and below ground), demolition. Oakland Company can provide all services needed. References provided. CA license #847571. Insurance and works comp certs provided immediately.
1205 N Lance Lane
Anaheim, CA 92806
(714) 632-9080
http://www.oaklandfireplaces.com   (subsidy of Oakland Company, Inc)

Vesta Management LLCWe provide turnkey property preservation and ongoing maintenance services. Vesta Management exists to provide financial institutions, realtors, and government entities with a coordinated and managed process to service and maintain REO assets from foreclosure to sale.  Vesta is led by two residential industry veterans who are experienced with the Southern California REO market.   Vesta is defined by its comprehensive platform to eliminate many of the “headaches” and inefficiencies that currently exist in the REO disposition process.  Vesta offers clear-cut pricing for financial institutions and realtors throughout the nation who desire a comprehensive level of service and do not want to be mired with the tedious and time consuming activities necessary to market an REO asset to a third party buyer.
Santa Monica, CA 90404
(310) 621-7559
http://www.vesta-management.com


Florida
AIM Companies
We provide Property Management services including REO Maintenance and Foreclosure Cleanout Services. AIM Maintenance specializes in Make Ready Turn Services consisting of Trash Out, Painting, Punch Out Maintenance, Dry Wall Repair and other maintenance/vendor coordination. AIM is able to provide regularly scheduled inspection visits to each site also ensuring quality control of the REO asset. We realize it is important to work closely with the listing agent to provide the quality services expected. Currently AIM has crews in Florida, Tennessee, Alabama, Texas, North Carolina, Pennsylvania, and New Jersey. We are able to travel to wherever our services are needed. Please call.
809 Walkerbilt Rd, Ste 6,  Naples, FL, 34110
Phone: (239) 449-4887
Website: www.aimcompanies.net 

T-N-T Property Management, Inc.We provide a comprehensive range of Property Management services to Bank and Real Estate Professionals. In business since 1993, T-N-T Property Management, Inc. offers REO Maintenance, Foreclosure Cleanout/Trash-out, Lock Change Service, Abandoned Vehicle Removal, Landscaping, Lawn Maintenance, Pool Maintenance, Drywall Repair, Painting, and Final Punch-out. Please call and experience our personal service, quality work and quick turnaround. We look forward to working with you to improve your property and quickly get it back on the market.  
12101 Tumbleweed Court, Wellington, Florida 33414
Phone: (561) 722-9500

Mighty kklene

3280- 55A Tamiami Trail

Port Charlotte FL, 33952

Phone: 941-628-3891

Fax: 941-237-4936

Email: admin@freecleaningbid.com

Website: www.freecleaningbid.comServing all of SouthWest Florida - Mighty kklene is a clean-out removal company specializing in
residential and commercial cleaning of foreclosed and abandoned properties. Our services help you get your properties back on the real estate or rental market. Mighty kklene also serves customers who may need to clean-out unwanted items from attics, storage units or yards. Residential: We clean-out your attic, garage, yard or entire property. Commercial: We clean-out offices, warehouses and storage spaces of any size.  Property Managers: We clean-out your properties of items left behind by previous tenants.  *All clean-out items will be removed from your property and disposed of properly in accordance with governing laws and ordinances.

Hayward Roofing & Construction Inc.
All types of REO property maintenance and repairs, including trash removal, board up, cleaning, roofing, plumbing, electrical, code violations, drywall, painting, demolition, landscaping as needed. Just a highlight of our services. We are always available in theBroward and Palm Beach areas. We have an extensive construction background, giving you vast knowledge and superior service at all times. We arecommitted to every customer from individual to major corporations.
410 SE 7th Ave, Deerfield Beach, Fla. 33441
Office # 954-596-8591
http://www.haywardcontracting.com

Double Team Maintenance & Lawn Care
We provide foreclosure cleanup, hauling, cleaning, painting, small screening, tile work, handyman services, maintenance, lawn services (initial cleanup and maintenance) and pool services (initial cleanup and maintenance), all services are available one time only or on a monthly basis. Fair and affordable, prompt and courteous. We have a very trustworthy professional staff. If we can't provide you service we will help find someone who can. We work with  a long list of professionals: Plumbers, Appliance Repair, Electricians, Roofers, Screeners, Painters, Tree Services.  SWFL - Lee, Charlotte, Sarasota and surrounding counties.
Keith Davis - owner/operator
1279 Sargent Street, North Port, Florida 34287
941-626-1291


Missouri
T & C Hauling and Home RepairWe offer debris removal, cleaning, lockchanges, evictions, boarding securing, lawn care, snow removal services, carpet removal, bug bombing and minor repairs in the Missouri/Kansas/Oklahoma, Arkansas 4-state area on both residential and commercial property.  We will travel within 75 miles of zipcode 64850.  We have been in the property preservation industry for 14 years.  We also offer second bid and free estimates.  We also offer inspection services within 40 miles of Neosho including occupancy checks, routine property condition inspections, merchant site inspections, commercial inspections, delinqent contact inspections, loss draft inspections.  We also offer special services upon request.  Ask and we will let you know if we can do it.
703 Pearl St
Neosho, MO  64850
417-455-9240
http://tchauling.tripod.com/

Michigan
The Cleanup Medics Services
We are a full service cleanup company specializing in foreclosures (REO), trash outs, and clean outs, for banks, mortgage firms, apartment buildings, commercial buildings, and private individuals looking to cleanup vacated property.
23800 Van Born Rd.  - Dearborn Heights, MI 48125
Phone: 313.299.0180
Website: www.thecleanupmedics.com

Freedom Asset Protection, LLCFreedom Asset Protection provides professinal and prompt property preservation services in Michigan.  Currently we serve Genesee, Lapeer, Oakland, Saginaw, Shiawassee, and Tuscola counties. Lock Changes, Occupancy Checks, Clean Outs, Maid Service, Board Ups, Initial and On Going Lawn Maintenance, Pump Out Flooded Basements, Snow Removal, Winterization, Debris Removal, Emergency Repairs, Swimming Pool Removal, Large Appliance Removal, and more...
11076 Melanie Ln
Davison, MI
810-653-5795
http://www.freedomassetprotection.com

New York
Commonwealth Home Improvement / Property ManagementWe offer superior service in (REO) securing and maintenance. Services include: cash for keys, evictions, lock changes, winterization, trash-out, grass cut, janitorial, vehicle removal, security cameras, repairs in all aspects of construction. Many other services are available upon request. We service properties in a 75 mile radius.Our goal is to provide high quality service and maintenance to our clients. We know that securing your property and making it ready for re-sale is priority and we make it reality. We will be happy to answer any questions you have, just call for a rapid response.
20 Robin PL  - Farmingville, NY 11738
(516) 314-0608

Ohio
A2Z Field Services
A2Z’s combination of experienced contractors, dedicated management, well-trained staff and internally-developed servicing systems has enabled A2Z to serve as a single source provider for many of our clients as their properties move through the collection, foreclosure and remarketing processes. The organizations that partner with A2Z benefit from the timely and accurate information that A2Z provides, customized services, detailed reporting and our alliance with contractors throughout the nation.
7450 Industrial Parkway
Plain City, OH 43064
614/873.0211
www.a2zfieldservices.com

Washington
Harman Builders & Development
HBD is a full service general contractor and REO specialist serving the greater Seattle area for 20yrs. We’ve constructed hundreds of homes and have over 35yrs of real estate experience including REO clean-outs and servicing.  Our services included: interior/exterior cleaning, interior/exterior painting, carpet cleaning/removal, Bathroom and kitchen repairs, lock changes, general landscaping, carpentry, deck work, pressure washing, trash removal, floor repairs and installation, roofing and much more. Our experience and professionalism will help you bring an added value to your property. We stand by our work and will have your property market ready in no time.
9121 80th Ave SW - Lakewood, WA 98498
(206)-949-0286
http://www.harmanbd.com

Wisconsin
C Amundson Construction LLCOffering REO maintenance and foreclosure cleanout/trashout services.  winterization, plumbing, window and door repair or new install, boardups and lock changes.  mold removal, sewer back-up, flooding repair.  water damage flooring repair,new  flooring of all kinds installation.  smoke detector, camera, security installation.  roofing, electrical, plumbing, abandoned vehicle removal. pool removal, maintenance or new construction of pool, decks, additions, siding, roofing, driveway, any mason work, landscaping and demolition. if you need it this company can do it.  Will travel within 150 miles of Lacrosse, WI.
512 16TH AVE. NORTH  - Onalaska, WI  54650
608-790-4858

Kissimmee FL Under 57K

Kissimmee FL3 Bed 2 Bath 1591 SF
2 car Garage Year 2004
Easy Rental
Why would you buy a duplex or fourplex when you
can buy a few of these? Better houses attract better tenant that stay longer.Bank Repo $57,000
Owner Financing

FL, Bank Owned Property List Under 65K | Owner Financing Option...

214 Magellan Dr (Sarasota) Whitfield Estates! 2 bedroom 2 bath Block Home, Inground Pool!, Approx 2000sqft, large back porch, 1 car att garage, The Price is $62k

Bank Owned Property

                  

(Manatee)

1. 4231 61st St W (Bradenton) 3 bedroom 2 bath Block home, Approx 1400sqft, Needs TLC, was a daycare! tons of potential, The Price is $37k

2. 1515 15th St W (Bradenton) Duplex! 2 bedroom 1 bath each side, Approx 1800sqft total, one side rented @ $500 month, other side is vacant, The Price is $45k

3. 1014 15th St E (Bradenton) 3 bedroom 2 bath block home, Approx 1500sqft, built in 1997, good condition, tenants in place @ $1100 month, The Price is $59k

(No Pics Yet)

4. 514 36th Ave E (Bradenton) 3 bedroom 2 bath Block home, Approx 1300sqft, Needs TLC, The Price is $26k

5. 1330 54th Ave Dr E (Bradenton) Summer Place Condo! 2 bedroom 1 bath, Approx 900sqft, built in 1982, Needs TLC, The Price is $21k

5. TWO VACANT LOTS NEXT TO EACH OTHER IN THE CITY OF BRADENTON

Directions:  From I-75, exit SR64/Manatee Avenue and head west, left on US301/1^st Street, right on 21^st Avenue West, left on 7^th Street West, they will be on the left side on the corner of 22^nd Avenue West.

$5,000 each

sold together or separate

******* 2209 7^th Street West, Bradenton, FL 34205

PID#4517200059, 6874SF, mostly cleared, 2009 taxes = $452 based on a market value of $23k

******* 2211 7^th Street West, Bradenton, FL 34205

PID#4517200109, 6874SF, mostly cleared, 2009 taxes = $452 based on a market value of $23k

********* 2012 34^th Avenue East, Bradenton, FL 34208

PID#1580900159, 75 x 100 corner lot, 7500SF, zoned R1A, flood zone X, mostly cleared, 2009 taxes = $366 based on a market value of $22k, no previous sales info available

******** 3410 21^st Street East, Bradenton, FL 34208

PID#1580900109, 60 x 145 lot, 8700SF, zoned R1A, flood zone X, mostly cleared, 2009 taxes = $366 based on a market value of $22k, no previous sales info available

 

                                        (Sarasota County)

1. 4614 Sloan Ave (Sarasota) 2 bedroom 1 bath home, super Cute! Approx 850sqft, fenced yard and covered lanai, good condition, great location & area! The Price is $39k WOW!

2. 3430 McIntosh Rd (Sarasota) 2 bedroom 2 bath Block home, 1 car att garage, good condition, huge back porch that could be 3rd bedroom, great area & location, Approx 1400sqft, The Price is $65k

3. 2015 30th St (Sarasota) 4 bedroom 2 bath home, Handyman, Approx 1500sqft, The Price is $17k

                     (Tampa)

1. 8204 N Semmes St (Tampa) 2 bedroom 1 bath home, remodeled, Approx 800sqft, Nice! The Price is $19k

2. 2408 20th Ave (Tampa) 2 bedroom 1 bath home, Approx 800sqft, Nice! The Price is $18k

3. 3108 29th St N (Tampa) Handyman 2 bedroom 1 bath home, Approx 800sqft, Needs TLC, The Price is $13k

                                          St. Petersburg

1. 1348 15th street south- 3/2/1 block built 2005 approx 1300 sq feet under air. Needs carpet and paint and a refrigator and a broken window fixed. The price is  $ 45K

 

2. 5725 17th ave south GULFPORT- 2/1 with detached workshop super clean ready to rent just broom and cut the palm trees. Close to college $ $46k

 

3. 1745 Patton Ave South 3/1 only $13k

 

4. 828 20th ave south BLOCK 2/1 Turn Key new double pain windows central a/c newer kitchen and appliances. Ready to rent .. nice yard.. only  $26K

 

5. 4018 29th ave north HARSHAW LAKES 3/1/1 with pool HANDYMAN SPECIAL BLOCK  $64k

 

6. 15420 Westminister ave  CLEARWATER 3/2 block built 1985 great condition  $49K

 

7. 226 50TH TERRACE NORTH 2/1 ONLY $32k

                       (Orlando)

1. 1210 Polk St (Orlando) 3 bedroom 1 bath home, Approx 1000sqft, Needs TLC, Great Deal!, The Price is $15k

2. 775 Klondike St (Winter Garden) 3 Bedroom 1 bath home, Approx 900 sqft, Needs TLC, The Price is $18k

3. 1425 Kaley St (Orlando) 3 bedroom 1 bath block home, Approx 1200sqft, Needs TLC, The Price is $16k

If you have any questions or want to see the inside please call me ASAP. Thank you and have a great day. All the best, Call (941) 628-3891
Looking For Owner Financing? http://www.123Rent4Now.com

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The Cold Truth About Self-Directed IRAs

The Truth About Self-Directed IRAs and Other Accounts

By H. Quincy Long

There is a lot of confusion over self-directed IRAs and what is and is not possible. In this article we will disprove some of the more common self-directed IRA myths.

Myth #1 – Purchasing anything other than CDs, stocks, mutual funds or annuities is illegal in an IRA.

Truth: The only prohibitions contained in the Internal Revenue Code for IRAs are investments in life insurance contracts and in “collectibles”, which are defined to include any work of art, any rug or antique, any metal or gem (with certain exceptions for gold, silver, platinum or palladium bullion), any stamp or coin (with certain exceptions for gold, silver, or platinum coins issued by the United States or under the laws of any State), any alcoholic beverage, or any other tangible personal property specified by the Secretary of the Treasury (no other property has been specified as of this date).

Since there are so few restrictions contained in the law, almost anything else which can be documented can be purchased in your IRA. A “self-directed” IRA allows any investment not expressly prohibited by law. Common investment choices include real estate, both domestic and foreign, options, secured and unsecured notes, including first and second liens against real estate, C corporation stock, limited liability companies, limited partnerships, trusts and a whole lot more.

Myth #2 – Only Roth IRAs can be self-directed.

Truth: Because of the power of tax free wealth accumulation in a self-directed Roth IRA, many articles are written on how to use a Roth IRA to invest in non-traditional investments. As a result, it is a surprisingly common misconception that a Roth IRA is the only account which can be self-directed. In fact, there are seven different types of accounts which can be self-directed. They are the 1) Roth IRA, 2) the Traditional IRA, 3) the SEP IRA, 4) the SIMPLE IRA, 5) the Individual 401(k), including the Roth 401(k), 6) the Coverdell Education Savings Account (ESA, formerly known as the Education IRA), and 7) the Health Savings Account (HSA). Not only can all of these accounts invest in non-traditional investments as indicated in Myth #1, but they can be combined together to purchase a single investment.

Myth #3 – I don’t qualify for a self-directed Roth or Traditional IRA because I am covered by a retirement plan at work or because I make too much money.

Truth:Almost anyone can have a self-directed account of some type. Although there are income limits for contributing to a Roth IRA (in 2008 the income limits are $169,000 for a married couple filing jointly and $116,000 for a single person or head of household), having a plan at work does not affect your ability to contribute to a Roth IRA, and there is no age limit either. With a Traditional IRA, you or your spouse having a retirement plan at work does affect the deductibility of your contribution, but anyone with earned income who is under age 70 1/2 can contribute to a Traditional IRA. There are no upper income limits for contributing to a Traditional IRA. Also, a Traditional IRA can receive funds from a prior employer’s 401(k) or other qualified plan. Additionally, you may be able to contribute to a Coverdell ESA for your children or grandchildren, nieces, nephews or even my children, if you are so inclined. If you have the right type of health insurance, called a High Deductible Health Plan, you can contribute to an HSA regardless of your income level. With an HSA, you may deduct your contributions to the account and qualified distributions are tax free forever! It’s the best of both worlds. All of this is in addition to any retirement plan you have at your job or for your self-employed business. Read more

Port Charlotte Foreclosed Homes

Description:
4410 Warren Ave #110 Port Charlotte FL 33953 Charlotte County Bedrooms: 2 Bathrooms: 2.0 Built Area: 1,120 Sq. Feet
Photos:

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