|
HSBR Insurance
9055 SE Bridge Road
Hobe Sound, FL 33455
772-546-7292
Email
Website
Save Tax and Make Your Money Work Smarter: Free Seminar
in Hobe Sound
Get updated information on how the new tax laws will affect your IRA or Roth account.
We will discuss how to turn IRA/401k’s into TAX Free income.
How to save thousands of $$$$$$ in taxes and turn a modest IRA into over a million dollars tax free in income over 3 generations.
How to receive competitive returns while guaranteeing principle and avoiding market risk.
You will find out how to make your money work smarter for you with no obligation. All attendees will receive a Free consultation and a complete computer financial analysis.
The seminar is on Oct. 26th at 2:30 pm at our offices (9055 SE Bridge Road, Hobe Sound, FL). RSVP is appreciated but not required.
Are You Making These Insurance Blunders?
When it comes to buying insurance, what you don’t know can hurt you…and your family…for years to come.
Learn how to identify the top ten insurance mistakes and what you can do about them with my free guide, "The Top 10 Insurance Blunders - and How to Avoid Them."
Just reply to this email and I'll send it right out to you.
Quick Quiz
Each month
I'll give you a new question.
Just reply to this email for the answer.
What was Humphrey Bogart's middle name?
Why Not Pass Me to a Friend?
If you've enjoyed this newsletter and found its information useful,
please forward it to a neighbor, friend or co-worker by clicking this link.
Recipe: Braised Chicken
Serves 4
• 8 skinless, bone-in chicken thighs
• 3 tablespoons lemon juice
• 1 teaspoon salt
• ½ teaspoon black pepper
• ¾ teaspoon paprika
• ½ tablespoon olive oil
• 1 cup pitted ripe olives
• 1 cup chopped onion
• 2 tomatoes, seeded and sliced
• 1 ½ cups orange juice
Directions
Preheat oven to 350 degrees.
Marinate chicken in lemon juice, salt, pepper and paprika for at least 30 minutes.
Remove chicken from marinade and heat oil in a pan on medium-high heat. Place chicken in pan and brown on all sides. Place the chicken in a baking dish and add the olives, onion, tomatoes and orange juice.
Cover tightly with aluminum foil and bake for about 45-50 minutes or until chicken is cooked through and tender.
Worth Quoting
To mark Halloween, here are some quotes on the subject of...fear
The greatest mistake you can make in life is to be continually fearing you will make one.
Elbert Hubbard
None but a coward dares to boast that he has never known fear.
Ferdinand Foch
Fear is the main source of superstition, and one of the main sources of cruelty. To conquer fear is the beginning of wisdom.
Bertrand Russell
Fear is the tax that conscience pays to guilt.
George Sewell
Keep your fears to yourself, but share your courage with others.
Robert Louis Stevenson
Courage is fear that has said its prayers.
Dorothy Bernard
|
|
Meet Joe: Helping Hobe Sound's Seniors Save Money
 Joe Horton, who is part of HSBR Insurance, has been assisting seniors to protect their assets and invest wisely. Joe is an expert in helping retirees preserve their assets and increase their income. Mr. Horton graduated from Indiana State University in 1960, and completed his Masters at Illinois Wesleyan University in 1966. He also has taken course work toward his Doctoral degree. Joe taught for eleven years. He left teaching in 1971 where he was on the staff of the Physics Department of Auburn University. He has served as financial advisor to colleges, seminaries, churches and other non-profit organizations.
Joe went into business for himself and got his licensing in marketing stocks, bonds, mutual funds, insurance, real estate, commodities and annuities. Do not miss one of Hobe Sounds best financial educators. Call today to set up a free financial seminar for your company or organization.
Joe has specialized in working with retirees and those about to retire who want to protect their principal and ensure that their money lasts. His practice focuses on helping pre-retirees and retirees avoid the most common financial mistakes.
Joe has helped people cut their taxes, avoid taxes on social security, avoid estate taxes, and protect their estate. Joe is a known expert in the matters of senior investors. He has taught retirement planning seminars, and assisted investors to preserve their capital, increase their income and more profitably organize their investments.
People who consult with Joe find that they lower their tax bills, possibly eliminate taxes on their social security income, increase their fixed monthly income, and obtain better protection for their financial future.
Join Joe for a special seminar on how the new tax laws will affect your IRA or Roth account. See the message on the left of this newsletter.
How Identity Theft Insurance Can Give You Peace of Mind
Modern-day life is complex and becoming more confusing every day. From online banking to electronic medical records, it sometimes can seem as though the entire world has access to your most private information.
Unfortunately, with more than 9 million Americans victimized by identity theft each year with an average loss of roughly $5,000, the risk of privacy invasion and overt fraud is very real. One way to combat this growing problem is with an identity theft insurance policy.
Identity theft insurance provides an additional layer of protection against unauthorized charges and costs related to the illegal use of your Social Security number, credit card, or banking and other private data.
What Is Covered
Most identity theft policies pay for out-of-pocket expenses, including lost wages, certified mail, notary and legal fees, and other miscellaneous charges. According to the Privacy Rights Clearinghouse, victims spend an average of 22 workdays trying to dispute charges and rectify records.
Is it a Good Investment?
Critics note that credit card balances are already covered if properly reported in the required period of time, but that does little to assist victims with the additional costs incurred to restore their credit and banking data. With a policy often costing less than $100 per year, most experts believe it's a small price to pay for peace of mind.
Last-Minute Guests? How to Prepare in 10 Minutes Flat
 It's a lousy feeling - one most people have experienced. You've just received a call from friends who will be stopping by unexpectedly. But the homestead is less than ready for entertaining company. Following is a checklist to help you get your home ready quickly:
Clear Out the Clutter: Magazines, toys, dishes and other signs of life make your home appear more messy than it might really be. Take 10 minutes to do a quick pickup in order to put everything in its place. And don't forget to take out the trash while you're at it.
Brush Up the Bathroom: Visitors routinely need to use the restroom, so be sure to spend a few minutes cleaning the sink and toilet in preparation for their arrival. Put out fresh towels and clear the counters of medications or personal items, fill the paper roll, and make sure the room smells clean and fresh.
Vacuum and Dust: A few minutes with the vacuum and duster not only leaves the house looking better, but it can also reduce discomfort among guests who suffer from allergies or asthma. Disposable dusters and quick picker-uppers enable you to make swift work of floors and other surfaces without allowing particles to become airborne.
Add a Finishing Touch: If you have a few minutes to spare be sure to fluff the throw pillows and add a vase of fresh flowers or other items to attract attention. Turn on lights to emphasize areas and turn off lights to strategically draw attention away from other areas. It's a well-known trick in the field of interior design and can work wonders when preparing for a quick get-together.
Picture credit.
Try Something Different for This Year's Halloween
 Tired of the same old thing at Halloween? Looking for something other than the old rush from door to door with the kids?
The following ideas might liven up the evening whether you're planning a small get-together with family or friends, or a huge neighborhood bash with every kid in town.
Put on a Play or Pageant
Not only does everyone get to dress up for the part, but audience participation ensures that everyone has a good time. Hand out awards for most creative, best impromptu rendition and other notorious presentations.
Vary Your Festive Foods
Diabetes, food allergies and other conditions are just a few commonly encountered health concerns associated with candy. Make sure everyone can enjoy the evening, with a selection of festive foods that are both healthy and attractive. Raisins, nuts and popcorn come in handy snack sizes while fruit and veggie trays make a perfect backdrop to the evening's theme.
Have an Old-Fashioned Hoedown
Who can resist an old-fashioned hoedown complete with campfire, dancing and perhaps even a bit of nostalgic storytelling? Halloween is also the perfect time of year for hayrides, apple cider and outdoor activities such as horseshoes.
Donate to a Good Cause
Put together a charity event. Rather than walk all over town collecting candy, line up sponsors or collect food to benefit the needy. Not only is it a great way to spend the evening, but helping others is a valuable life lesson sure to make a lasting impression.
Picture credit.
Maternity Insurance: What You Need to Know
Expecting a baby can be an exciting time; however, the excitement can quickly be dissolved by the worry and anxiety of a potential financial issue if the mother is uninsured. It is estimated that 13% of women who become pregnant each year do not have insurance. Because of this, many women do not seek the medical care they need throughout their pregnancy. This can result in inadequate prenatal care for the baby, as well as numerous possible health risks to the mother.
When pregnant, most women visit the doctor often - sometimes twice per month or more throughout the entire nine months.
The costs of these doctor visits can add up. And, when coupled with the average $6,000-to-$8,000 cost of delivery - more for high-risk pregnancies - the expense can create a financial disaster.
The good news is that many private insurance companies offer maternity insurance. These plans are designed to cover most or all of the medical expenses related to pregnancy and birth procedures.
The best time to purchase maternity insurance is before pregnancy occurs, although some companies offer maternity insurance to women who are already pregnant.
It is important to look for a plan that has few restrictions on the treatment that is covered. And, since maternity insurance only covers the expenses related to pregnancy, the mother should have a regular medical insurance plan in place to cover any other health problems that she may have.
If one is unable to qualify for a maternity insurance plan, another option is to go with a Health Savings Account. This tax-deferred account allows the account holder to deposit and withdraw money for medical expenses. This, in conjunction with a high-deductible health insurance policy, can help to pay some or all of the costs associated with pregnancy.
Early and ongoing prenatal care is the best way to avoid problems.
Maternity insurance can help ensure that expenses are covered, allowing both the mother and baby a better chance for a healthy delivery without devastating financial consequences.
|
