The Risks and Benefits with Medical Insurance

The benefits of being medically insured far outweigh not being insured.

Everyone knows how unpredictable life can be and just about anything can happen just about any time. Some people convince themselves that they probably don’t need medical insurance today, but you never know with your health what will happen tomorrow. All of us are susceptible to diseases, illnesses and accidents every day of our life. People who are totally healthy one day can be struck with a disease tomorrow or seriously injured in a car accident. These things happen all the time, every single day! After something like this does occur, the medical bills start coming in and if you’re stuck without medical insurance to help, you are facing a huge financial burden and strain.

Being Prepared: We need to be prepared for any type of disaster that could occur and not many people are. There are so many important reasons why you need to take out medical insurance.

Quality of Care: Believe it or not, people who are medically uninsured will get less care as someone who is insured. For example, a woman who is pregnant with no insurance will receive far less prenatal services because of the high costs involved. As well, children and adults both may not be able to see a health care provider on a routine basis to get treatment and advice for their sicknesses because the out of pocket cost for the visit cost them too much money. This is your life and your health that are risk.

Health Outcomes: People who remain medically uninsured have much worse outcomes with health conditions. Reports have shown that people with medical insurance have a better outcome with their health problems. Researches have shown that death rates are 25 percent higher with people who have chronic diseases and don’t have medical insurance.
Financial Burden: Not having medical insurance causes financial burdens on families. Many discounts are applied to medical insurance policies and those without insurance won’t get any discount on top of paying double and triple costs for being uninsured. An unexpected tragic illness or injury has often times caused a family without medical insurance to have to go bankrupt.

Risks: Without medical insurance, someone may not be able to afford an expensive surgery or treatment that they need. Prescriptions may cost too much for some people to afford without medical insurance so they take the risk of not buying them. Medical insurance is so much better to protect your family from all these unexpected and sudden costs that medical care brings. For people who are not insured, having to pay out of pocket for something expensive can cause so much stress and eventually lead to depression.

The benefits of being medically insured far outweigh not being insured. Paying small amounts of premiums on a monthly or regular schedule will keep you from having the burden of paying massive amounts of money in medical costs when an illness, disease or an accident happens all of a sudden. When it comes to being on the safer side, it’s always better to have that peace of mind that medical insurance can offer.  For seniors, it is a good idea to have supplements insurance to supplement your medicare insurance.
Author’s Bio: The articles of Mark Anderson have really met the needs of the users. He suggests them to visit Medicalinsurance.org   for more information.



Searching for Retirement Home Can be Fun

Getting out and exploring new things is always fun. Exploring retirement home options can fall in to that category.

Destin FL - Where to retire
Getting out and exploring new things is always fun.  Exploring retirement home options can fall in to that category.  Maybe you have a little more time to take a few days off. Explore retirement options in your area, your city, your region and far away. Make it your hobby to research and then to travel and experience new options you now have.

Experience the Vacation Getaways at the Active Adult 55+ Communities with a trip of 3 or 4 days and see first hand what they are all about. In addition you get to visit the town and area where the community is located.  These are positive experiences at very little costs.

Next visit small towns in your area and region. This would be as short as a day trip, an overnight trip or spent 2 or 3 days and visit several small towns.   Do your research first on the web and plan your visit. Visit during a festival or town event would be interesting as well. There are many advantages to retiring in a small town but just visiting can be fun too.

Next travel to a resort area and combine a vacation and a retirement research trip. Go to Hilton Head for a week. While there explore some of the communities in the area.  Warning: don’t buy any timeshares while there. Enjoy your vacation and learn something too. You have a legitimate reason for visiting the communities, you are not wasting anyone’s time. You are the prime prospect, but most communities are helpful and low pressure.  If you really did fall in love with the place, maybe renting for a season would be a good idea first.

Finally explore your own city. Research first then go downtown and experience the mixed use, high rise, loft, town centers and other interesting concepts in your very own metro downtown or midtown.  What would it be like to walk to restaurants and museums from your very own condo. Urban life is not for everyone but there are some boomers moving downtown to experience the advanatages of retirement city living style.

But the main to remember is to have fun! There are no deadlines and you don’t have to do anything. Take your time during your visit to take it all in.



Small Town for Sale

I have seen several stories about small towns being for sale. Here is what doesn’t add up.

Toomsboro mayor Roger Smith stands at the fence of the newly restored bed and breakfast at the center of his mid-Georgia town
Toomsboro mayor Roger Smith stands at the fence of the newly restored bed and breakfast at the center of his mid-Georgia town

There is a story in the Huffington Post that says buying a small town just keeps getting easier.  It says a developer who owns most of Toomsboro Georgia is putting his properties up for sale.  The town has 700 residents and features several small businesses like a florist, a convenience store and a custom cabinet shop.  According to the seller it was be ideal for a movie production company for a movie or a music video.

Toomsboro is in Wilkinson County where I went to high school and I knew several classmates who lived in Toomsboro.  Kurt was a butcher in Toomsboro the last time I went through there.  .

I know this sounds sensational saying a town is for sale, but several things just do not make sense to me.  So what does it mean to buy a small town… don’t the people living there have a say?   Reportedly a developer has the properties for sale…. well I can assure you there has not been much new development in Toomboro in quite some time.  I remember when the Swampland Opera closed down and most buildings in town were showing their age and in need of repair.   Maybe I could be wrong and the developer renovated the buildings and the town.  Gosh, you know he is upside down on those loans.

Despite all the publicity, have any sales of small towns ever worked out?   I remember Kim Basigner was going to buy Braselton, another Georgia town.   That sounds about as a good idea as her marriage to Alex Baldwin. With perhaps too much disposable income, Kim headed up an investment group that purchased the entire town of Braselton, in her native Georgia, for $20 million (she would later have to sell it).

Some guy who is the sole resident of Buford Wyoming put his house up for sale and a Vietnamese businessman bought it and could say he owned the whole town.  Big deal.

The town where The Hunger Games was filmed is reportedly for sale for 1.4 million.  The owner says the town gets lots of visitors.

If a small town is for sale, it is probably not a good place to live, much less retire to.   Who wants to live in a town that someone owns most of the property in and probably runs everything.   My guess is most of these towns are ghost towns and the people have long left for better living somewhere else, leaving  some buildings that may be called a town on paper but no longer in reality.



Best Small Towns for Retirement Living

We have now updated all of our state pages at Small Town Retirement with some of the best small towns for retirement that we could find. This caught the eye of a reporter in Michigan who is excited to share this information but wondered what criteria was used to determine the selections

small town living
Lake Odessa Michigan

We have now updated all of our state pages at Small Town Retirement with some of the best small towns for retirement that we could find.  This caught the eye of a reporter in Michigan who is excited to share this information but wondered what criteria was used to determine the selections, in particular on our  Small Towns in Michigan, a town named Lake Odessa in Michigan.

Ms Patterson who did this page was on maturity leave, so I did research Lake Odessa Michigan to see why it was in fact on our list.  I enjoyed the process and clearly see  why Odessa was added.

I was happy to reply as follows.

Hello (Reporter),

Our Ms. Patterson developed our Michigan page recently and added Odessa to the list.   Shelley is now on maturity leave however I think I can answer why Odessa was added.

The introductory paragraph of our Michigan page says it best:  The best small towns in Michigan offer comfortable and laid back settings, workability, arts and culture scene, and plenty of outdoor activities.   That describes Odessa pretty good and are reasons it would be desirable for retirement living.

Odessa has plenty of things to do and the city’s web site lists many wonderful upcoming events to keep retirees active and are affordable.   Arts  and festivals are  another attractive part of the community.  The revitalized downtown and the old Lake Odessa Train depot are charming and bring a sense of community.

The scenery and the enjoyment of Lake Jordan and nearby Games and Recreation areas are attractive too.  Odessa has affordable housing costs and this has become important to many retirees.   At retirement age, many want to retire to a relaxed small town atmosphere, which Odessa has.  It is also within 100 miles to two larger metro areas.  For all the above reasons, Odessa was added to our list of good towns  for retirement.

Thanks for your inquiry.
Robert

Robert Fowler, President
Retirement Media Inc.

Best Small Towns – Advantages

Best towns for retirement do differ but offer many common things.  See more at our page Advantages of Small Towns.



Thomasville Georgia Retirement

Thomasville proper is a good balance of a slow southern atmosphere, with a healthy emphasis on culture for arts, writing, music, acting, and athletics. These are all encouraged and nurtured here. If Florida is too crowded for you, try north of the border. “Thomasville; a place apart.”

Thomasville Georgia retirement

The history of Thomasville is rich and predates the Civil War! Before Florida was opened up, Thomasville was the last train stop. It was visited in those early days for health reasons, thinking the many pines would be beneficial for those with pulmonary afflictions. Others came to hunt on one of the many Plantations that surround Thomasville. Some just came for the social gatherings.

The streets and roads of this county have been trodden by some very famous and notable people threw out its history.  Joann Woodward, wife of Paul Newman is from here.  Her father was the principal of an all girls’ school here.  This is just one of the many well known personalities of our area. Mrs. Jacqueline Kennedy was tucked away here on one of our many plantations for a time, to give her and the children a respite from the public shortly after President Kennedy’s assassination.

Part of the pride of Thomasville is the tremendous participation in restoration of historical homes and the downtown area.  Thomasville residents take their preservation of history and restoration seriously.  They put their money where some only put their mouth, they simply do it!!  The downtown has undergone restoration on a large serious scale.  A lot of energy, enthusiasm and dollars are being put into the downtown area. But the rewards are worth it.  The result, is a thriving vibrant downtown area that attracts people from miles around.

The homes on Love Street and Warren Ave, near the downtown area, have been dealt a new lease on life over the past eight years. These are now home to many professionals, young and old.  It is a place where neighbors stroll the streets with their children, groups of young parents get together for kickball and flag football, and children play together in the green space at the corner.

Thomasville Georgia cout house
Court House Thomasville GA

“We all love the Warren-Love Street neighborhood, because it is so easy to walk to downtown community events, restaurants, and shopping.  The city tennis courts and the cultural center are also within short walking distance”.  Quote by, Darlone Bailey Kaley
“The neighborhood is special because we all saw the potential to return to a simpler time and way of living, and we were willing to work to make it happen. There are still a few houses waiting to be completed, and we would love to have a few more great neighbors”!
Darlone Bailey Kaley– is an owner and resident of a home on Love Street.

Historic Thomasville GA
Church Garden Thomasville GA

Thomasville Landmarks and The Historical Society are places to receive support and encouragement when taking on any of these restoration projects.

You will appreciate the proximity of being close enough to the Gulf Coast for a day trip, within one hour and thirty minutes express route or two to three hours the slow scenic route.  Just a tree lined forty minute drive on four lane highways to Tallahassee, Florida for all kinds of shopping, eating and entertainment events.  Four hours from Atlanta and North Georgia mountains can be reached in a day.  Savannah and east coast is only three hours away.

Thomasville proper is a good balance of a slow southern atmosphere, with a healthy emphasis on culture for arts, writing, music, acting, and athletics.  These are all encouraged and nurtured here.  If Florida is too crowded for you, try north of the border. “Thomasville;  a place apart.”

Thomasville has received mention in several retirement research articles and books.

Retire in Style: 60 Outstanding Places Across the USA and Canada [Paperback] Warren R. Bland PhD (Author)
When you make your list of places to explore for retirement potential, Thomasville should be on your list.

Historic Thomasville Georgia Visitors Center

Snarky Boomer About The Snarky Boomer

I live in Thomasville Georgia.  I’m a “Baby Boomer” of 1951.  Check out my blog at Boomersberg.com and leave me a comment OR start a conversation in the forum.

 

 

 

 

Thomasville Interesting Facts: Thomasville Georgia deems itself the City of Roses and holds an annual Rose Festival. Thomasville features plantations open to the public, a historic downtown, a large farmer’s market, and a 320 year old oak tree at the corner of Monroe and Crawford streets. The population of Thomasville was 18,413 at the 2010 census

Georgia Small Towns for Retirement | Georgia Retirement Communities

 



Why should a mortgage be paid before retirement?

Before obtaining a mortgage, people must keep certain factors in mind. They must determine what kind of mortgage would be suitable for them and the interest rate attached to it. To find that out they may use home mortgage calculator.

After the recent colossal economic crisis, when people are running out of cash and wondering how to afford to buy a house, a mortgage is an answer. But before obtaining a mortgage, people must keep certain factors in mind. They must determine what kind of mortgage would be suitable for them and the interest rate attached to it.

In recent times, taking the advantage of a mortgage, people are incessantly buying a new house. This has increased the rate of houses being sold. Mortgages can be obtained at any age and it necessarily takes the span of 7 to 10 years to be repaid. However, people are generally being suggested to repay the mortgage loan before they retire.

Now people may want to know the reason behind this suggestion, so here are the three main reasons.

  • Retirement is the age when people lose their capability to work hard and earn money. This is the time when they need to have a comfortable and debt-free life.  A mortgage payment typically involves 20 to 30 percent of the monthly budget. So, if the mortgage is paid, retirees can manage their finances more comfortably, especially if they live on a fixed budget. It saves them considerable money, which they can spend towards their medical expenses or holidays.
  • Pay-off the mortgage prior to retirement also provides people a long term care. Having equity in a home is considered as an asset, which can be used for many other purposes in life or during the time of emergency. In the event retirees should need some cash, they can consider selling the residence or securing a reverse mortgage in order to meet the needs.
  • It also gives peace of mind to the retirees. Paying off mortgage prior to retirement helps people achieve stress free and tension free life.

Paying off a  mortgage before retirement requires some prior planning. If you find your existing mortgage extending beyond your expected retirement date, apply some strategies.

  • People who are in mid 40s and on the front end of a 30 year mortgage repayment can refinance their mortgage to a fifteen year mortgage. This may increase the monthly payments, but will reduce the span of mortgage repayment from 30 to 15 years.
  • Another viable way of repaying the mortgage as early as possible is making additional principal payment each month. Many mortgage lenders allow borrowers to pay more than minimum monthly payment so that mortgage is paid earlier. This reduces the overall interest charges as well as the span of mortgage repayment.

In conclusion, almost 70 percent Americans own a house, out of which 35 percent are mortgage-free during retirement, so if you also prefer a stress free life after your retirement, take the necessary steps to achieve the goal.

This is a guest post by K. Craig who is a financial writer associated with various finance related Communities. He has been providing advice on debt relief since 2007 and also written some great articles on bankruptcy, mortgage refinance, credit counseling, credit repair, debt management, personal injury and so on.