HelloFresh Meal Delivery For Seniors

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November 15, 2021

Harissa-chickpea-sweet-potato-salad-8b029bc5

HelloFresh is perfect for retired boomers and seniors who get inspired to cook but spend less time meal planning and shopping (claims to save you 46% compared to shopping at a grocery store) and looking for a nutritious and balanced diet diet diet alternative to frozen meals.

Our Favorite HelloFresh Meals

1.) Chicken Gyro Couscous Bowls with Hummus, Tomato-Cucumber Salad, and Creamy Feta Sauce

Hummus and pita chips with Israeli couscous, zaâatar-spiced chicken, lemony chopped salad, tangy feta sauce, and a sprinkle of fresh dill.

Preparation time: 30 minutes

Difficulty: Easy

2.) Harissa Chickpea & Sweet Potato Salad with Feta, Candied Sunflower Seeds, Pickled Shallot & Creamy Lemon Herb Dressing

Vegetarian Middle Eastern-inspired meal with roasted chickpeas and sweet potato in harissa spices. You will pickle shallots and make sweet and crunchy candied sunflower seeds. Served with fresh spinach salad and a creamy lemon herb dressing.

Prep time: 10 minutes

Total time: 30 minutes

Difficulty: Easy

3.) Creamy Lemon Salmon over Tomato Scallion Couscous

Seared Salmon fillets with couscous, tomatoes, and scallions. Drizzle a lemon cream topping over the top for extra flavor.

Total time: 35 minutes

Difficulty: Easy

What’s Special About HelloFresh?

HelloFresh was started in Berlin, and there is something to be said about German efficiency. They provide easy and convenient cooking ideas that you can easily follow at home. The recipes have pre-measured and pre-portioned ingredients and simple instructions to make it easy and fun to prepare meals. With six easy steps, you can enjoy your dinner in 30 minutes.

The company also makes it user-friendly to cancel, skip or reactivate your subscription. The three different meal plans are Classic Box, Family Box, and Veggie Box and 17 items on the menu with a lot less available if you’re on a vegan or vegetarian diet, which is a downside of HelloFresh compared to other meal kits delivery services for seniors.

HelloFresh offers:

Responsibly sourced and delicious ingredients delivered to your door.
Meat and Veggies, vegetarian, low calorie, quick and easy, pescatarian and family friendly plans.
Ability to customize with Fit, Quick or Variety preferences.
One Hall of Fame meal every week (the all-star recipe that customers love most)
One premium meal every week (elegant recipes with a handpicked selection of premium ingredients)
One breakfast option very week. (for those brreakfast-for-diner nights or weekend mornings)
A fully stocked online Kitchenware shop with the best chef-approved kitchen essentials
Premium wines hand-selected to pair with HelloFresh meals as part of the Wine Club.

HelloFresh follows these recycles guidelines:

Insulated liners – The summer liners need to be included with the recyclables, the winter liners can go in the trash, and the honeycompb paperboard is curbside friendly.
Ice packs – The water-soluble contents can go with the trash, not the sink. The plastic pack can be recycled.
HelloFresh Box – You can include this with your recyclables.
Seperator and meal kits – These are curbside friendly as well.

Kitchenware

The HelloFresh Kitchenware collection contains some must-have items like a recipe card binder so you home cooks can keep your recipes safe and handy to use over and over. The online shop has knives, ovenware, tableware, cleanup tools, storage options, and even eco-friendly items like an odor-eliminating compost bin.

HelloFresh Kits

HelloFresh kits are a specially curated collection of utensils and products designed specifically for specific needs.

The Quick-Fix Kit for home cooks is designed to help cut down the prep time with gadgets like a digital kitchen timer, garlic press, citrus squeezer, potato masher, and food chopper.

Other kits that caught our eye:

Tiny Tummies Kit – Retired with a desire to become a buddy sous chef? This kit can get you started in the kitchen.
The Aftermath Kit – Complete cleanup and storage kit and includes a dish scrubber, storage containers, a soap dispenser, and kitchen towels.
The Starter Kit – This beginners kit has a zester-grater, spatula, olive wood spoon, multifunction peeler, and elevated steel tongs.

Some of the products are being sold by partners Joseph Joseph and Microplane, and the rest are HelloFresh originals.

How Does HelloFresh Work?

You can sign in with your Facebook account or use your email address and choose a password to get started. Next, select the plan you’d like to try between Classic Plan, Veggie Plan, or Family Plan. The Classic Plan allows for 15 delicious recipes every week, compared to 3 meals with the Veggie and Family plans. The Veggie plan has no meat or fish, and The Family plan is perfect if you have grandkids or picky eaters staying with you.

You can get meals for you and your spouse with the Classic plan and decide how many meals you’ll need every week. The shipping is always free; you’ll be prompted for your delivery address and show you available delivery dates and times. Unlike some meal kit services, you can choose the delivery date that works for you, and finally, you can pay with either credit card, debit card, or Paypal. The plan with auto-renew each week; you can cancel or pause your services with five days’ notice.

HelloFresh Meal Options

The qualified team of chefs and dietitians on staff at HelloFresh delivers delicious and balanced meals that are simple enough for most people to cook at home. The wide variety of options makes it easy for you to find meals that fit your preference with over 20 meals with pre-measured ingredients, easy-to-follow recipes with complete nutritional info, and cooking tips. You will need to have salt, pepper, sugar, oil, and butter. The recipes let you know how difficult the recipe will be and how long it takes to prepare the meals.

Here is a breakdown of the plans:

Meat and Veggies Plan – This is a collection of meat, fish and seasonal produce that you can choose from, and a menu of over 50 options to pick each week. Prices start at $6.79 per meal.
Veggie Plan – Offers recipes that have plant-based proteins, hearty grains and seasonal produce. You can build you custom meal plan with over 50 menu items. Prices start at $6.79 per meal.
Calorie Smart Plan – These are dietician approved meals with around 650 calories each. Prices start at $6.79 per meal.
Quick and Easy Plan – Perfect if you want to cut down your time to prep, cook and cleanup after cooking.
Pescetarian Plan – Feturs a combination of delicious veggies and seafood that fit your dietary needs. Prices start at $6.79 per meal.

How much does HelloFresh cost?

All six plans have the same pricing structure, starting at $6.79 per meal when you pick the largest plan. The shipping costs $9.99 per box for all plans. As a SeniorAffair.com reader, you get free shipping and 50% off your first order. The HelloFresh plans are the Meat & Veggies plan, the Veggie Plan, the Family Friendly plan, the Calorie Smart plan, the Quick and Easy plan, and the Pescetarian plan.

All plans include meals for neither 2 or 4 people, 2, 3, 4, 5, or 6 times a week.

Help & Support

Suppose you need technical help or troubleshooting when first starting; you’ll appreciate the account management section of the site with a comprehensive FAQ section that covers just about anything you’d want to know about the service. If that doesn’t answer the question, they have a support number and social media.

HelloFresh – Perfect for dinner!

True to its name, HelloFresh is all about freshness and being the best meal delivery service for seniors. The ingredients are responsibly sourced with high-quality premade sauces with limited processed foods makes this meal kit one of the tops among HelloFresh’s competitors.

How does HelloFresh Compare to Other Meal Delivery Services?

	Home Fresh	Home Chef	Blue Apron	Sun Basket
Price Per Serving	$7.87-$8.99 per serving	$7.99 or $9.95 per serving	$9.99-$10.99 per serving	$8.99-$12.99 per serving
Special Diets	Vegetarian, gluten-free, dairy-free, nut-free	Vegetarian, soy-free, dairy-free, calorie-conscious	Vegetarian, gluten-free, low carb, diabetic	Vegetarian, Vegan, quick and easy, lean and clean
Menu Variety	Choose from 5-8 recipes per week	Choose from 12 dinners and three lunches per week	Choose from 4-8 recipes per week	Choose from 6-18 recipes per week

Frequently Asked Questions

How much does HelloFresh cost?

The cost of the entrees is about $9.99 per serving, but the total price per delivery depends on how many servings you order and how many meals you order every week. Also, there is a shipping charge of $9.99 per delivery.

Is HelloFresh healthy?

Yes, it sources ingredients from trusted providers with nutritionally dense entrees complete with proteins, hearty grains, and seasonal produce.

What kinds of meals does HelloFresh have?

HelloFresh has one of the most diverse menus among meal delivery companies; each week, you’ll find food inspired from all over the globe, including Ginger Beef Stir-Fry, Korean Beef Bibimbap, and Arroz Con Pollo.

Elixinol Review: CBD Products to Consider.

By

Greg

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November 12, 2021

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Elixinol Review 2021: 6 CBD Products to Consider.

As one of the most renowned and established CBD companies in the world, Elixinol was founded over 25 years ago by Paul Benhaim, a well-respected hemp expert, and pioneer in the industry. Elixinol uses high-quality, USA-grown hemp derived from supercritical CO2 extraction, the cleanest method to extract CBD from the hemp plant. A global company, Elixinol leads with integrity and knowledge, developing science-backed products made from purposeful plants and handpicked natural ingredients — with a focus on wellness for people and the planet.

We hope Elixinol has grabbed your attention so far or maybe you’re just interested in learning more about the benefits of CBD? Keep reading this review to understand the brand and its product offerings better. Shop now with Senior Affair’s exclusive discount: 30% off site-wide with code SENIOR30.

Featured Products, Product Information, and Discounts

Everyday Daily Balance Capsules

Smooth out your day, every day. The Elixinol Daily Balance capsules are vegan, gluten-free, and expertly blended with MCT coconut oil and BCP oil for efficient absorption. These capsules promote calm, relaxation, and a healthy mood. Capsules are an ideal format for those who are unsure about the correct serving size of CBD they are ingesting since capsules are designed to hold a very exact amount of CBD. Elixinol’s Everyday Daily Balance capsules contain 15mg CBD per capsule and are a tasteless and odorless way to take your daily CBD. Shop now with Senior Affair’s exclusive discount: 30% off site-wide with code SENIOR30.

Sleep Good Night Capsules

Getting a solid night of sleep is crucial for body recovery, maintaining good immune health, combatting daily stress, and overall wellness. By pairing CBD with plant-sourced Melatonin, Elixinol’s Sleep Good Night capsules support optimal sleep, promote calm and relaxation, and keep our circadian rhythms in tune. This full-spectrum liquid, vegetarian capsules have a base of MCT coconut oil and are a non-habit-forming option to improve the quality of your sleep. Shop now with Senior Affair’s exclusive discount: 30% off site-wide with code SENIOR 30.

Everyday Daily Balance Tincture

Elixinol’s bestselling CBD tincture is the core of your wellness routine. The full-spectrum formula works with your body to promote relaxation and a healthy mood, and gives you whole-plant terpenes and flavonoids for a beneficial “entourage effect.” Carried by MCT coconut oil and natural BCP (beta-caryophyllene) for efficient absorption, this tincture provides just the balance you need to rise above every day and keep mind & body at their best. The Everyday Daily Balance tincture is available in two flavors, Natural and Cinnamint, and three sizes, 500mg, 1000mg, and 4000mg of CBD per bottle. Shop now with Senior Affair’s exclusive discount: 30% off site-wide with code SENIOR30.

Sports Gel

The Active Sports Gel is a topical product that pairs broad-spectrum CBD extract with some of nature’s hardest-working ingredients like capsaicin, arnica, and camphor to create a hydrating, warming sensation. The special blend of essential oils, including eucalyptus, peppermint, grapefruit, chamomile, and cassia bark, along with a complete lack of synthetic colors, fragrances, parabens, or petrochemicals makes the product suitable for all skin types. It’s non-greasy, absorbs quickly, and can be applied right where you need it to hydrate and soothe the skin. Shop now with Senior Affair exclusive discount: 30% off site-wide with code SENIOR30.

Other Products by Elixinol

Elixinol makes many other products that can improve the quality of your wellness routine, and in turn, your overall health. These include:

A full collection of capsules, all made with natural active ingredients that are 100% vegan, cruelty-free, and free of synthetic colors and fragrances.

Calm Stress Support capsules pair ashwagandha – a natural root known for its calming effect – with CBD to help relieve occasional stress.
- Active Body Comfort capsules include CBD and Boswellia — a prized natural extract known to reduce inflammation associated with exercise
- Active Omega Turmeric capsules feature an all-star trio of natural ingredients including CBD, Turmeric and Omega-3 DHA to help reduce inflammation after exercise, support antioxidant activity and support joint health.
- Immune Gut Health capsules have CBD + Ginfort™, a concentrated ginger extract to support your immune system.
Everyday Rapid Reset Liposome, a product that leverages liposome technology for efficient CBD absorption. Liposomes are microscopic bubbles that carry CBD, making it easy and efficient for your body to absorb. They give your body more CBD per serving that might otherwise be lost in the digestive process. The product tastes delicious too, as it is naturally flavored with orange & lemon extracts.
A full collection of pet products made with quality, USA-grown hemp. Elixinol’s pet collection is formulated with broad-spectrum CBD extract and no detectable levels of THC. The products are safe, effective and crafted with care to support the everyday health of your best bud.
- Calm Dog Chews promote calm and relaxation for adult dogs with occasional nervousness, stress or over activity and include several stress-supporting functional ingredients, including Ashwagandha, L-Theanine, Chamomile and Lemon Balm.
- Mobility Dog Chews support mobility and joint health for adult dogs. Along with CBD, they include several functional ingredients that are great for joint support, such as turmeric, curcuminoids and Anivestin™.
- Everyday Dog Drops are bacon flavored and carried by MCT coconut oil. The CBD works with your furry friend’s Endocannabinoid System to promote daily wellness.

Hemp Source & Quality

All of Elixinol’s CBD is USA-grown. In addition, all of Elixinol’s products are 3rd party tested by an independent ISO certified lab. All Certificates of Analysis are published on their site so that you can feel confident about what you are putting on or in your body. Once you locate the batch number printed on the product, just plug it into the search bar to view test results.

Extraction Method

There are many ways to extract CBD from the hemp plant. Elixinol uses supercritical CO2 extraction which uses high pressure and extremely low temperatures. By controlling the temperature, time, and pressure, they are able to extract exactly what they want from the plant. Though this process is more expensive, it allows Elixinol to gather a premier extract without using any harsh solvents.

Customer Service

The customer service at Elixinol is excellent and you can expect high-quality service from the company. You can reach out to them for questions at any time at customerservice@elixinol.com. In addition, Elixinol stands by its commitment to customer satisfaction. They proudly offer a 30-day, money-back guarantee if you are not 100% satisfied. Within 30 days of your original purchase, products can be exchanged or returned for any reason, less the cost of shipping.

Where to buy Elixinol CBD

If you are interested in Elixinol CBD products, the best place to start is the Elixinol website. Be sure to set up your account to begin collecting loyalty points, which can later be applied to future orders, and sign up for marketing communications to be the first to know about exclusive promos, new product launches, and more. Shop now with Senior Affair’s exclusive discount: 30% off site-wide with code SENIOR 30.

Senior Affair Discount for Elixinol.com

Senior Affair has a unique code to provide readers – SENIOR30 will get you 30% off site-wide. It won’t apply to clearance items, and you can’t stack with other coupons. Be sure to this code before you check out! Note that Elixinol also offers free shipping on any order over $50.

CBD 101

How CBD Works

The human body features an entire regulatory network (called the endocannabinoid system) that reacts specifically to CBD, as well as other cannabinoids (natural chemical compounds found in cannabis). As one of over one hundred different cannabinoids, CBD engages the body’s cannabinoid receptors which then instruct the endocannabinoid system in how it regulates certain physical and mental functions.

The Health Benefits of CBD

CBD has a wide range of health and wellness benefits, depending on both the specific product being used and the consistency with which the product is used. Some of those benefits include establishing a less-stressful lifestyle, supporting feelings of calm, promoting a better night’s rest, aiding in physical recovery, overcoming soreness or inflammation from exercise, or helping to improve your mood.

Side Effects

Just like taking any new product, you may experience side effects. The most likely is an interaction with the current medications you may already be taking. You should consult your doctor first before beginning to take CBD.

In addition, Elixinol has a partnership with Leaf411. A non-profit group based out of Colorado, Leaf411 is a cannabis-trained nurse hotline aimed to give consumers access to balanced education about legal cannabis (hemp and marijuana). Leaf411 is a free resource available for anyone with questions about CBD and its benefits. Customers can call the hotline and speak directly to a medical professional who can answer their cannabis questions and help guide them in the right direction when it comes to product types.

Conclusion:

Elixinol is a trusted CBD brand with a long history in the industry, and some of the highest quality products available on the market. With their critical extraction methods, transparency by publicly sharing all certificates of analysis, and the natural active ingredients included in each product, you can feel good about shopping with this company. Give them a try and see if CBD can help improve your health and reach your wellness goals.

FAQs

What is CBD?

CBD is an acronym for cannabidiol which is one of the major cannabinoids found in the cannabis plant. Elixinol CBD is produced from industrial hemp and extracted using a CO2 extraction process.

Why would I want to take CBD?

CBD has a wide range of health benefits, and it can be very personal for each user. Some of the general benefits include promoting calm and relaxation, supporting a healthy mood, helping with occasional stress, and improving sleep quality. CBD can also aid in inflammation and muscle recovery after working out.

Are Elixinol’s CBD products full-spectrum or broad-spectrum?

Elixinol makes both full-spectrum and broad-spectrum CBD products. Full-spectrum CBD contains all the compounds naturally occurring in the hemp plant, including terpenes, essential oils, and other cannabinoids commonly referred to as the “entourage effect”. Broad-spectrum CBD contains CBD and all the other compounds within the plant except for THC, which is completely removed in the extraction process.

How long does it take to get a product from Elixinol?

It takes 1-2 business days for the product to be shipped, and 2-5 business days for shipping, depending on where the products are being shipped to.

Does Elixinol have Certificates of Analysis or is Testing done on their products?

Yes! All Elixinol products are 3rd party tested by an independent ISO certified lab. All certificates of Analysis are published here. Once you locate the batch # printed on the product, just plug it into the search bar to view test results.

What Are The Changes in Medicare Part D Prescription Drug Coverage in 2022?

By

Greg

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November 9, 2021

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What are the changes in Medicare Part D Prescription Drug Coverage in 2022?

What is Medicare Part D?

The Centers for Medicare and Medicaid Services change the parameters of the Medicare Part D standard benefits package every year.

Medicare Part D is an optional prescription drug plan offered by private companies with a monthly premium. It’s possible to get Part D drug plan coverage as a stand-alone or included in a Medicare Advantage plan with medical benefits.

As shown below, all Medicare Part D plans have four coverage stages or phases. First, your drug plan’s out-of-pocket costs change as your prescription costs increase over the year.

Four Coverage Stages

Stage 1 – Deductible stage: You pay all your prescription drug costs until you meet your plan’s yearly deductible.

The deductible is the amount you must pay out-of-pocket before your plan starts paying for services.

In 2022, the standard prescription drug deductible will be $480, which means that you will pay the total cost of your prescriptions until the prices reach $480.

How does this affect you?

When you enroll in a Medicare Part D prescription drug plan with the standard Part D deductible, you will pay a little more out-of-pocket in 2022 before your plan kicks in.

Stage 2 – Initial coverage stage: The initial coverage limit for 2021 has increased from $4,130 to $4,430. Your Part D benefit begins, and your plan starts to cover your prescription costs at this stage. Whether a copay or coinsurance, your contribution is a fixed amount you pay for your drugs until you reach a certain amount in covered drug costs.

They consider the “drug cost” the total price a pharmacy would charge for the drugs if you paid out-of-pocket.

The drug cost includes what you pay and what your plan has contributed together.

How does it affect you?

In general, you will be able to buy a small amount more of prescriptions before you reach the 2022 “donut hole” or coverage gap, which assumes that your prescriptions prices don’t increase over time.

Stage 3 – Coverage gap stage: A coverage gap occurs when you exceed the coverage limit of your Part D plan. The coverage gap has a beginning and end; these amounts usually change yearly.

An example of 2022’s coverage gap – or donut hole. The plan’s Part D initial coverage limit is $4,430. You remain in the coverage gap until your out-of-pocket threshold has reached $7,050, which has increased from $6,550 in 2021. While in the coverage gap, you pay only 25% coinsurance for generic drugs and 25% coinsurance for covered brand-name drugs.

To exit the donut hole, certain things will count towards your total out-of-pocket costs, including your deductible, copays and coinsurance payments, and anything you’ve paid on prescription drug costs from the beginning of the calendar year.

Certain things don’t count as your out-of-pocket costs, including the medication you purchase that isn’t covered by your plan, your drug plan premium, or the pharmacy dispensing fee.

How does this affect you?

By reaching the 2022 donut hole or coverage gap stage, you will spend a little more money before you can exit the Donut Hole and enter the 2022 catastrophic coverage portion of your Medicare Part D coverage.

All Medicare Part D plans have a coverage gap unless you receive Extra Help.

How to Avoid the Donut hole?

A way to avoid the coverage gap stage is to take generic medications whenever possible or consider getting your medication by mail-order. Talk to your doctor about how you can reduce your out-of-pocket drug costs.

Stage 4 – Catastrophic coverage stage:

Once you’ve reached $7,050 in total out-of-pocket drug costs, you exit the coverage gap then you’ll pay the greater of $3.95 or 5 percent coinsurance for all other drugs. In addition, you pay a low coinsurance or copayment amount set by Medicare in this catastrophic stage for all prescription drugs. In 2022, that coverage gap ends at $7.050.

How does this affect you?

Your plan and the government pay 95% of your costs. You will remain in this stage for the rest of the year.

Key Takeaways

Reviewing your drug plan’s Annual Notice of Change (ANOC) is important. This notice summarizes any changes in your plan’s cost and coverage that will take effect on January 1 of the following year.

medicare insurance free quote — Get a FREE No Obligation Medicare Quote Today

Consider a drug plan’s cost, coverage, and convenience when comparing plans.

If you fail to sign up for a prescription drug plan when you first get the opportunity, Be aware of the Medicare Part D late enrollment penalties.

You might qualify for Extra Help if you have limited income and resources. Apply online at www.ssa.gov or call Social Security at (800) 772-1213. TTY users call (800) 325-0778.

Medicare Enrollment Period, Are you ready for it?

By

Greg

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November 9, 2021

0

Medicare Enrollment Period 2021, Are you Ready for it?

Did you know that the Medicare Open Enrollment Period (AEP) is the only time you can add, drop or make any changes to your existing Medicare Coverage?

This calendar year is from October 15 to December 7. we intended for the article to aid your research and offer further understanding, even if it’s your first time enrolling.

Introduction to the Annual Enrollment Period

Look out for the Annual Notice of Change that all Medicare Advantage and Part D recipients receive on October 1; you will want to consider these things:

Have your benefits changed or decreased?
Are you doctors and specialists still in the network?
Are your prescriptions covered?
Are your copays increasing?

You can change your Medicare benefits during the Medicare Annual Period (AEP) from Oct. 15 to Dec. 7. You don’t have to change your plan; if you are happy with your Medicare benefits, don’t worry about taking action. However, we suggest you check the coverage every year to ensure you’re getting what you’re supposed to.

What Can You Do During the Annual Enrollment Period?

Switch to a Medicare Advantage (Part C) plan or Original Medicare.
Update your coverage by switching to a new plan or carrier.
Switch from a Medicare Advantage plan that doesn’t have drug coverage to one with drug coverage.
Join or drop a stand-alone Medicare prescription drug (Part D) plan.

How Can You Prepare for The Medicare Annual Enrollment Period?

If you want to prepare yourself for the Annual Enrollment Period, review these items and check for updates:

Dental Coverage – Check which Medicare plans offer dental care, including allowances, rebates, and coverage.
Prescription Coverage: Just like networks, prescription coverage changes every year. You should review your plan to make sure you’re still covered.
Network Coverage: Keep in mind that even if you don’t change your coverage, the benefits of each provider change every year. This is why you should review the updates and ensure your primary care provider and any other healthcare providers are still covered under your plan’s network.
Increased Costs – You may be surprised by increased deductibles, copays, and premiums. If these are not reasonable to you, consider choosing a new plan.
New Benefits – Look out for any additional benefits added to your plan, including vision care, fitness, or healthy food allowances. Talk to your provider and ask what other benefits are available to you.

What Changes Were Made in Medicare?

The 2022 annual Cost of Living Adjustment (COLA) for Social Security benefits is expected to reach its highest level (projected at 6.2%) since 1983!

Key Takeaways:

The Medicare Annual Enrollment Period (AEP) starts on October 15 and ends on December 7.

The AEP only applies to Medicare Part D plans and Medicare Advantage plans.

The changes you make during AEP will take effect on January 1.

In many cases, the AEP can be the only time you pick a different Medicare Advantage or Part D prescription drug plan. However, if you make a mistake, you can switch plans during the Medicare Advantage Open Enrollment Period, from January 1 to March 31.

Do you have a Medicare Advantage plan? You can switch back to your Original Medicare during the AEP. Depending on laws in your state, you could buy a plan that helps you pay coinsurance and deductibles; these are called Medigap plans, also known as Medicare Supplement Insurance.

5 CBD Benefits for the Retired Baby Boomer

By

Greg

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November 5, 2021

0

5 CBD Benefits for the Retired Baby Boomer

According to a survey of 5000 people, 60% of CBD users were taking it for stress and anxiety, but does it work?

What is CBD?

CBD comes from a species of plant, Cannabis sativa. Still, it’s important to note that hemp and marijuana are completely different forms of cannabis, characterized by their use and psycho-active ingredients. When you think of marijuana, this is usually a carefully cultivated plant consumed medically or recreationally.

The statutory definitions and regulatory oversight are very different too. For example, while marijuana remains a Schedule 1 controlled substance, restrictions on US hemp production loosed with the passing of the farm bill of 2014 and even further differentiation with the passing of the Farm Bill of 2018.

CBD does not give you the euphoric high you’d expect from consuming marijuana; it provides a calming, relaxing feeling.

CBD is a Natural Pain killer

Did you know that the body has an internal endocannabinoid system? It helps to regulate sleep, appetite, pain, and immune system response. Your body produces transmitters that bind with the cannabinoid receptors in your nervous system; doctors feel that this interaction causes anti-inflammatory and pain-killing effects.

In a study done by the CDC of over 32,000 people, 60% reported suffering from pain within the past 3-months; women were more likely to suffer from pain; however, seniors 65 and older are more likely to experience increased pain as they age.

Using a topical salve product that is full-spectrum and certified organic to treat localized pain could be an alternative to pain pills.

Aging Boomers are Embracing CBD to Be More Patient.

Aging boomers who face life transitions and new challenges try CBD to reduce anxiety and lower stress. Casually having a few drops of organic CBD tincture daily or weekly can benefit.

Most boomers could benefit from a natural remedy to treat pain associated with chronic back pain.

CBD hemp oil is rich in vitamins and minerals that we need for perfect health, including Vitamins B1, B2, B3, and B6, Vitamin E, C, Calcium, magnesium, Sulfur, Phosphorus, Iron, and Zinc.

Did you know CBD has all 20 essential amino acids, even those we need from outside sources?

Cancer patients suffer from the side effects of chemotherapy, and CBD can help with nausea, vomiting, and lack of appetite.

Retired Boomers Sleep Better

Many retired boomers suffer from sleep deprivation or a general lack of sleep. However, it is essential to note that our bodies recharge and repair themselves during a good night’s sleep, making it very important to get adequate rest. Whether you are up due to anxiety, depression, sick children, or other reasons, taking a daily CBD supplement at bedtime could solve this problem. For example, CBD activates the receptors responsible for sleep, restoring homeostasis and calming you, allowing you to sleep.

Elixinol uses USA-grown hemp with a money-back guarantee. They pair CBD and functional ingredients for wellness for everyone. Their products treat pain and provide daily support with tinctures and capsules. If you have a dog, it’s good to know Elixinol launched a pet CBD line of products with chews designed for aging dogs to treat their joints and assist in mobility.

Best Cell Phones for Seniors with Dementia

By

Greg

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October 24, 2021

0

For caregivers watching a loved one age can be an emotional and confusing time. It will prove to be even more challenging for people experiencing signs of dementia, including memory loss, disorientation, confusion, and difficulty communicating.

According to Alzheimer’s Disease International, someone develops dementia every three seconds. As a caregiver, you can help this by recommending some lifestyle changes like quitting smoking and exercising; they also have medications for memory loss that you can try. Of course, checking with your doctor is the best course of action.

If you care for a person experiencing these symptoms, loneliness often goes along with aging, and having a lifeline to everyday life is needed. You can help by upgrading their cell phone.

Here are a few phones you can check out.

RAZ Memory Phone

The RAZ Memory phone is the only phone designed for those with dementia or Alzheimer’s; the basic approach was to make the phone easy to use, take out the complication of new cell phones, and give it one function: to make calls. The phone has a 6.3-inch display, which also helps people who have vision loss. It comes with headphones a headphone jack at the top with a slot for an SD card on the side. The battery is not replaceable or removable.

The one screen has room for six contacts with pictures and the name of the contact below. If you need more contacts, there is an option for up to 24 contacts. The caregiver controls this function. There is a button to call 911 or to call the RAZ Emergency Service. The user doesn’t have to push any digits; press the picture of the contact they want to reach, and it calls. There is no menu system, no apps, no text messaging. The volume button is disabled; the screen doesn’t ever “lock” or “go to sleep.” An easy-to-use online portal manages the phones’ features; the caregiver can access the signal strength and battery amount if they cannot reach the user.

RAZ Emergency Service includes an optional emergency service; the service is intended for cases where individuals with dementia imagine emergencies and call 911 repetitively. With this new service, emergency calls can be directed to an emergency dispatch agent rather than 911. The agent will know that the caller suffers from memory loss and will determine whether to contact 911 guided by this knowledge. Also, text messages will be sent to up to three (3) caregivers, providing these designated individuals the opportunity to cancel the emergency call, avoiding an unnecessary call to 911. The service costs either $79.99 annually or $7.99 per month with an activation fee of $19.99.

Price and Wireless Service

There are two phone versions; one version costs $309 and works on T-mobile and wireless resellers who use T-mobile services, like Mint Mobile, Metro by T-mobile, Ting, and Simple Mobile. It does not work on Verizon, AT&T, or wireless providers who resell their service.

The other version of the $349 and works with AT&T, Verizon as well as T-mobile. This phone will work on Cricket, Consumer Cellular, Straight Talk, NET10, and Metro by T-mobile. The phone comes with a free SIM card and three free months of Mint Mobile service.

Jitterbug Smart

The Jitterbug Smart is simple to use; one screen “smartphone” can also be used as a medical alert device with the dedicated urgent response button, giving you access to 24/7 live agents on-hand with varying service levels.

This device offers a phone, camera, a web browser, with no physical buttons, provides the right amount of technology.

Cost: $74.99 plus activation and monthly plan

Jitterbug Flip

The perfect phone for someone with dementia to stay in touch, and they are compatible with hearing aids as well. They have large physical buttons that make them easy to operate. It allows for voice commands to make calls and send messages by speaking.

Some people may use this phone for its medical alert capabilities; Lively’s health and safety features have a dedicated urgent response button that connects to a monitored service with agents who will help with anything needed. For example, if the user is lost, the agent can help, or if required, contact the emergency contacts or alert first responders if necessary.

Using the Lively app, caregivers can keep track of their loved ones and have peace of mind they will recieve notifications about emergency calls, battery levels, and location information. The Jitterbug Flip can help a loved one stay independent and safe at the same time.

Cost: $49.99, plus activation and monthly plan

Snapfon ezTWO3g

The SnapFon phone has an SOS button that will sound a 120 dB alarm and send a text message to a preset list of contacts. They also have an additional subscription service – sosPlus Mobile Monitering, starting at $15/month for access to trained first responders that have experience with medication, health needs, family contacts, and physician information. Other service features include the ability to track the user and make a plan if the user is non-responsive.

Cost: $29.99 plus activation fees and service plans

Conclusion

For dementia patients, they might experience some problems when using a regular phone. This is why several recommended phones can use to keep in touch with their friends and families. These phones are equipped with excellent audio output, a large screen display, easy-to-read buttons, and fantastic simplicity to make it easier for seniors to communicate through cellphones. Some of the best cellphones for dementia patients have been discussed above.

Best Cell Phones for Seniors with Dementia

By

Greg

-

October 24, 2021

0

For caregivers watching a loved one age can be an emotional and confusing time. It will prove to be even more challenging for people experiencing signs of dementia, including memory loss, disorientation, confusion, and difficulty communicating.

According to Alzheimer’s Disease International, someone develops dementia every three seconds. As a caregiver, you can help this by recommending some lifestyle changes like quitting smoking and exercising; they also have medications for memory loss that you can try. Of course, checking with your doctor is the best course of action.

If you care for a person experiencing these symptoms, loneliness often goes along with aging, and having a lifeline to everyday life is needed. You can help by upgrading their cell phone.

Here are a few phones you can check out.

RAZ Memory Phone

The RAZ Memory phone is the only phone designed for those with dementia or Alzheimer’s; the basic approach was to make the phone easy to use, take out the complication of new cell phones, and give it one function: to make calls. The phone has a 6.3-inch display, which also helps people who have vision loss. It comes with headphones a headphone jack at the top with a slot for an SD card on the side. The battery is not replaceable or removable.

The one screen has room for six contacts with pictures and the name of the contact below. If you need more contacts, there is an option for up to 24 contacts. The caregiver controls this function. There is a button to call 911 or to call the RAZ Emergency Service. The user doesn’t have to push any digits; press the picture of the contact they want to reach, and it calls. There is no menu system, no apps, no text messaging. The volume button is disabled; the screen doesn’t ever “lock” or “go to sleep.” An easy-to-use online portal manages the phones’ features; the caregiver can access the signal strength and battery amount if they cannot reach the user.

RAZ Emergency Service includes an optional emergency service; the service is intended for cases where individuals with dementia imagine emergencies and call 911 repetitively. With this new service, emergency calls can be directed to an emergency dispatch agent rather than 911. The agent will know that the caller suffers from memory loss and will determine whether to contact 911 guided by this knowledge. Also, text messages will be sent to up to three (3) caregivers, providing these designated individuals the opportunity to cancel the emergency call, avoiding an unnecessary call to 911. The service costs either $79.99 annually or $7.99 per month with an activation fee of $19.99.

Price and Wireless Service

There are two phone versions; one version costs $309 and works on T-mobile and wireless resellers who use T-mobile services, like Mint Mobile, Metro by T-mobile, Ting, and Simple Mobile. It does not work on Verizon, AT&T, or wireless providers who resell their service.

The other version of the $349 and works with AT&T, Verizon as well as T-mobile. This phone will work on Cricket, Consumer Cellular, Straight Talk, NET10, and Metro by T-mobile. The phone comes with a free SIM card and three free months of Mint Mobile service.

Jitterbug Smart

The Jitterbug Smart is simple to use; one screen “smartphone” can also be used as a medical alert device with the dedicated urgent response button, giving you access to 24/7 live agents on-hand with varying service levels.

This device offers a phone, camera, a web browser, with no physical buttons, provides the right amount of technology.

Cost: $74.99 plus activation and monthly plan

Jitterbug Flip

The perfect phone for someone with dementia to stay in touch, and they are compatible with hearing aids as well. They have large physical buttons that make them easy to operate. It allows for voice commands to make calls and send messages by speaking.

Some people may use this phone for its medical alert capabilities; Lively’s health and safety features have a dedicated urgent response button that connects to a monitored service with agents who will help with anything needed. For example, if the user is lost, the agent can help, or if required, contact the emergency contacts or alert first responders if necessary.

Using the Lively app, caregivers can keep track of their loved ones and have peace of mind they will recieve notifications about emergency calls, battery levels, and location information. The Jitterbug Flip can help a loved one stay independent and safe at the same time.

Cost: $49.99, plus activation and monthly plan

Snapfon ezTWO3g

The SnapFon phone has an SOS button that will sound a 120 dB alarm and send a text message to a preset list of contacts. They also have an additional subscription service – sosPlus Mobile Monitering, starting at $15/month for access to trained first responders that have experience with medication, health needs, family contacts, and physician information. Other service features include the ability to track the user and make a plan if the user is non-responsive.

Cost: $29.99 plus activation fees and service plans

Conclusion

For dementia patients, they might experience some problems when using a regular phone. This is why several recommended phones can use to keep in touch with their friends and families. These phones are equipped with excellent audio output, a large screen display, easy-to-read buttons, and fantastic simplicity to make it easier for seniors to communicate through cellphones. Some of the best cellphones for dementia patients have been discussed above.

VA Loan Guide: 7 Things Every Veteran Needs to Know About VA Loans.

By

Greg

-

October 13, 2021

0

VA Loan Guide: 7 Things Every Veteran Needs to Know About VA Loans.

How Do You Qualify for A VA Loan?

Currently, there are over 20 million veterans taking advantage of these no money down payment loans since 1944 when there were originally established.

VA loans may be the most unique and attractive loan on the market today.

With 22 Million people qualifying for the VA loan benefit, in this article Senior Affair explains how to qualify for the loans, how to use the loans, and how to get started.

The VA loan program was designed to help military vets buy a home with no down payment. In order to qualify, you must prove that you can afford to make the mortgage payment, property tax, and homeowners’ insurance, as well as your current expenses like credit cards, personal, auto, and student loans.

Lenders consider the number of times you’ve used your benefit, monthly gross income, monthly expenses, down-payment, and credit score which minimum allowed is 620. The maximum debt-to-income ratio you can have is 41%.

Requiring no money down is the biggest benefit to using the VA loan but keep in mind that you’ll still have to pay an upfront VA funding fee. Under certain circumstances, you can even finance the VA funding fee.

As of January 1, 2021 the VA doesn’t limit how much you can borrow from your lender, provided you qualify, you’ll get a home loan entitlement, this allows you to borrow up to 4x the amount of that entitlement without a down-payment, this is your loan limit.

The VA loan is my favorite, I recommend it 98% of the time. There is no reason why you shouldn’t use your VA benefit if you can, and in this market, vets should choose to work with a mortgage broker that is familiar with all the products available in the market, right now especially because Covid sometimes conventional rates are beating VA loans in the higher balance between $510,000 to $765,000, but are still my choice under $510,000.

-Scott Criss – The Criss Group, a San Diego, California-based mortgage broker.

What Will Your Loan Limit Be?

There are 2 types of entitlement:

Basic – The VA guarantees your lender that they’ll up to $36,000 or 25% of your loan, whichever is less if you default on that loan. $36,000 x 4 = $144,000

Bonus – Let’s say you want to buy a home that costs more than $144,000, to make this happen, they offer a second (bonus) entitlement, this varies depending on the market.

What Is A VA Rehab Loan Lender?

Military borrowers enjoy flexible VA loan policies, including low interest rates, low down payments, and a low loan-to-value ratio. FHA mortgage loans have historically had lower average rates than commercial and conventional financing programs.

The Federal Housing Administration (FHA), which is part of the US Department of Housing and Urban Development (HUD), offers a loan program for the refurbishment and repair of single-family homes. While rehab loans are designed for fixers, buyers can also take out loans for homes that need work and finance construction costs for repairs.

Veterans and military personnel in California can get home loans through CalVet, which offers lower market rates and has no or lower down payment requirements. These renovation loans can be used to purchase a home. For the nearly 1.6 million vets living in California, most will find a program that they qualify for so they can buy a home.

As a requirement, these loans only apply to homes inhabited, occupied, or purchased by veterans. Home loans for veterans extend eligibility to current and former service members who have served at least 90 days.

Some loans can also help you make repairs or upgrade the house you already own. VA renovation loans are financed by repaying the loan over 30 years, resulting in a lower monthly rate.

This is used to address electrical, sanitary, and structural problems by modernizing the kitchen and bathroom, replacing the floor, or making the house more energy-efficient. A loan for refinancing allows you to take cash out of your equity to replace an existing VA loan.

Once you have received approval for the loan, you will need to provide a detailed list of specific renovations to be carried out. Instead of having two separate loans, VA rehabilitation loans can be converted into a single loan. They have only one mortgage rate and one monthly payment.

Apart from basic military authorization, it should be noted that VA loans, unlike investment real estate, may only be used for personal use and may only be issued by a qualified bank or lender. There is also a streamlined VA refinancing program.

What Is The VA Energy Efficient Mortgage Program?

The VA Energy Efficient Mortgages Program, also known as VA EEM, enables active and retired military personnel, including veterans and reservists, to incorporate their energy-efficient upgrades into their mortgage, they only comprise 1% of total home loans in the US, even after 30 years!

You can qualify for the EEM program through the VA if you have been a member of the U.S. Army, Navy, Air Force, Marine Corps, or Coast Guard.

The VA does not fund loans, but it does provide financial guarantees for loans eligible for the program. The VA sets the rules for those who qualify, and the minimum requirements and policies for which mortgages may be offered.

The Energy Efficient Mortgage Loan Program is just one of many FHA programs that insure mortgage loans. The loan maximum amount depends on the county limits, but the limit for 1-4 units is $1,472,550. This is not considered a second mortgage, it’s an add-on to your current or proposed mortgage after your refinance. No additional lien.

The Energy Efficient Mortgage Program allows borrowers to include the cost of energy efficiency improvements in their FHA loans. VA loans offer flexible credit policies and often do not require a down payment.

The Veterans’ Administration (VA) is limited to veterans and their dependents, veterans’ families, and veterans’ families with children under 18.

The EEM incorporates the cost of energy efficiency improvements into the loan itself, allowing the borrower to repay the investment as an investment over the term of the loan and deduct interest from federal and state income taxes. The VA limits loans for energy-efficient improvements to $3,000 to $6,000, with an additional $1,500 for the first year and $2,200 to $4,300 for each year after that.

Participating lenders also offer borrowers discounted mortgage rates, and homebuyers can increase their debt-to-income ratio by two percent if they can demonstrate the ability to offset higher mortgage payments. Buying a home that is already energy efficient will increase Fannie Mae’s mortgage amount by up to 5%.

In addition to the government-insured program, private lenders can also offer their own energy-efficient conventional mortgages under the Energy Efficient Mortgage Program, which is supported by Fannie Mae. In addition, most mortgage lenders offer EEMs through federally insured mortgage programs, such as the Federal Home Loan Mortgage Insurance Program (FHLIP) and the US Department of Housing and Urban Development (HUD).

Adding the cost of these improvements to the loan amount saves the borrower significant time and money compared to obtaining a separate loan or paying out-of-pocket for the upgrades. In addition, a higher mortgage amount can be an advantage for borrowers in the form of tax deductions, versus paying for improvements using credit cards or personal loans that do not provide a tax deduction or advantage. As improvements in energy efficiency reduce monthly utility costs, improving the ability to make mortgage payments, borrowers do not need to apply for new, higher mortgage amounts.

In short, the VA-EEM program allows borrowers to make energy improvements to their homes that they might not otherwise be able to afford. Veterans Administration (VA) The EEM program has enabled borrowers to conserve energy and save money from utilities.

What is an Example of EEM and How Can it Work for You?

An example from the HUD website:

If your total monthly income is $5,000, then the maximum allowable monthly payment is 29% which is $1450, then the maximum mortgage is $207,300.

The maximum allowable monthly payment increases to 33% which is $1650, so the maximum mortgage you are allowed goes up to $235, 900. This gives you the opportunity to move into a nicer home with lower monthly bills, making it even more affordable.

There are three different kinds of EEMs

VA EEM – For past and present military personnel and allows you to spend up to $6000 for energy efficient upgrades.
FHA EEM – You can bower up to 5% of your home’s value, between $4000-$8000
Conventional EEM – These are lenders who sell their loans to Fannie Mae and Freddie Mac, it’s the most powerful of the three programs with 15% of your home’s value for improvements.

What Things Can EEM loan Pay For?

You can use the EEM loan to pay for upgrades like solar, fix or replace a chimney or wood-burning stove, energy-efficient water systems, insulation, high-efficiency HVAC unit with air ducts, new insulated glass windows among other things.

How Do You Get the Loan?

First, you need to find out what upgrades your home needs. To satisfy the requirements, you will need to obtain a HERS report – Home Energy Rating System, which evaluates your home. A certified and trained RESNET HERS Energy Rater comes out to your home and completes an inspection. The costs are between $300 to $800 and they can be financed in the loan.

The HERS report includes:

The overall rating for the house As-Is
Recommendations for upgrades
Cost estimates of price, savings, and life of the upgrades.
Value of the home after the improvements
Before and After comparisons of energy costs for the home

Once you have your rating, work with your lender to find out how much loan you qualify for, then when the loan closes, the funds go into an escrow account, you’ll have between 90 and 180 days to complete the upgrades, you can choose to make the improvements yourself, but you can’t pay yourself for the labor..

What Properties Qualify for a VA Loan?

New Construction is ok if it’s 100% complete, or complete by the customer’s standards with necessary appliances, countertops, and flooring. If you want to buy a new build that is considered new within 1 year of being constructed and never lived in, you will need to get a warranty from the builder on the home for 1 year or enroll in a 10-year protection plan or you can act as your own builder and plan to start right away, and of course, live there as your primary residence.

You’ll have to get an appraisal that will be based on your plans and the after-built value. In this case, I suggest you work with an experienced builder / general contractor as your project manager and consultant.

The VA must approve any condo development before they will guarantee a loan there, this involves reviewing the complex’s homeowner’s association documents, policies, parking availability, and by-laws. The VA has a list of already approved complexes here.

Can You Purchase Modular and Manufactured Home with VA Loans?

The VA will give you a loan on a modular or manufactured home if it’s permanently attached to a foundation.

It is relating to safety and livability and must have working and functional systems. It can’t be in a flood hazard zone where you can’t get flood insurance since homeowners’ insurance policies don’t cover floods and the bank couldn’t protect themselves in a disaster.

Use VA Loan to Buy Investment Property?

The VA does not say that you can use your VA loan for investments, but it is possible if you understand the rules and plan to buy a property intended for personal use. In the case of a single-family home, you first must live in the home and if you receive assignments elsewhere then turn it into a rental property or allow your spouse to live in the property.

If you choose to buy a 2-4 unit property by using your VA benefit, you can also invest with a VA loan. Then makes a lot of sense in my opinion, to maximize your benefit and allow others to pay down your mortgage! You just need to occupy one of the units for at least one year.

This is an extremely useful advantage if you are interested in buying an apartment building with a small down payment. If you qualify for a VA mortgage, you may be able to purchase a property with four units without a down payment.

What if You Have Challenged Credit or Carry a Little Extra Debt?

Vets Should Also Consider Alternative Government Backed Loans

The government offers multiple loan options that may be a better choice besides a VA loan. If you have challenged credit and can’t hit the required 620 fico for a VA loan, with the FHA loan you can qualify with only a 580 credit score. If you have a higher debt-to-income ratio, they will allow for 43% or higher.

Standard FHA Guidelines

These guidelines apply or single-family, mobile homes, or manufactured homes.

Minimum credit score of 550 required with down payment.
The minimum down payment is 3.5%
FHA requires (MIP) Mortgage Insurance Premium
The maximum debt-to-income ratio is 43%
You must intend on the home being your primary residence
Borrow must have a 2-year work history with good income

You can check current mortgage rates here.

Why Medicare Advantage Plans Are Bad: 7 Facts to Know

By

Greg

-

September 21, 2021

0

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The popular question is, are Medicare Advantage Plans bad? We answer this question for you and point out seven facts.

Why Medicare Advantage Plans Are Bad?
Why Are Some Medicare Advantage Plans Free?
How Do Medicare Advantage Plans Make Money?
Is Medicare Advantage a Good Deal?
Holes in Medicare Advantage Plans
Can’t Travel With This Coverage
Networks of Doctors Are Too Small
The Out-of-Pocket Costs Add Up
Advantage Plan Benefits Change Annually
Do Doctors Like Medicare Advantage Plans?
Are Medicare Advantage Plans Worth It?
What Are The Worst Medicare Advantage Plans?
Can I Enroll in a Medigap Plan Later if I Enroll in a Medicare Advantage Plan Now?
Still Have Questions?
FAQ
Conclusion:

Have you seen commercials for zero-dollar premium plans? They claim to have all the necessary coverage, including prescription drug coverage, vision, dental and hearing benefits, and other perks.

Some people don’t care for these plans, but let’s point out that Advantage plans don’t have to be bad, like everything; they are not for everyone. So we will help you understand more about these plans.

Why Medicare Advantage Plans Are Bad?

There could be many reasons people don’t like Medicare Advantage plans, but it comes down to who you ask.

Doctors may not like Medicare Advantage plans because it could be harder for them to get paid by private insurers.

Your friend may not like it because of the limitations and annual changes to the policy terms.

Still, most people would say their primary complaint is they thought the plan was free.

Why Are Some Medicare Advantage Plans Free?

Like most things, please remember that nothing is free, and zero-dollar premium plans are not free either. Remember this: there are no free Medicare plans.

I’ll explain how it works: Medicare contributes a certain amount of premium per person to the Medicare Advantage carriers to take on your health risk, so they don’t have to. Then the Advantage carriers create plans to look attractive to convince you to sign-up.

The Advantage plan replaces Medicare Parts A and B using cost-sharing to compensate for the zero-dollar premiums. Medicare Advantage plans have out-of-pocket co-payments you must pay when you visit the doctor, have a test performed, or have any service.

Don’t think just because you have a zero-dollar premium plan, you still need to make the Medicare Part B premium payment unless you pick a plan that includes a Part B premium reduction.

How Do Medicare Advantage Plans Make Money?

Medicare has the insurance carriers make bids on medical services. They compare all the proposals to create a benchmark that varies from county to county, and they pay a certain amount per person based on these benchmarks, which is why some Advantage plans are free and others have a monthly premium.

Is Medicare Advantage a Good Deal?

Having some coverage is wise if you have no coverage, you never know what could happen.

For some people on a limited budget and can’t afford the monthly premium of a Medigap plan, choosing a Medicare Advantage plan with good coverage that fits your needs would be a good decision. If you think you’ll use your benefits often, it may not be a good deal since you’ll contribute to every service out of pocket.

Holes in Medicare Advantage Plans

Some people experience frustration with the Medicare Advantage plan’s frequent changes, unlike the Medigap plan. You’ll have to stay on top of these changes, or you could face issues when you seek services.

Even though some plans claim to include dental, vision, and hearing care, some people are later disappointed by the cracks in the coverage. Then you’ll have to pay more than you planned and sometimes for services you believed were covered.

Can’t Travel With This Coverage

If you are traveling, this coverage won’t work for you; it’s not like Medicare Supplemental insurance. If you have health problems, you could pay a lot of out-of-pocket for services.

Networks of Doctors Are Too Small

Unlike Medigap plans, which will pay for services nationwide to anyone who accepts a Medicare assignment, Medicare Advantage plans have a small network of doctors than Medigap. Therefore, you should always check your Advantage plan’s provider directory before you sign-up to ensure ALL of your doctors are in that plan’s network.

Also, it would be best if you communicated with your doctors to make sure they plan to stay in the network, as they are free to leave the network at any time, leaving you stuck in the plan until the next Annual Enrollment Period.

You have two options: to pay 100% of your medical costs and keep your doctor or to find a new doctor in your plan’s network.

The Out-of-Pocket Costs Add Up

The good part is Medicare Advantage plans have a maximum out-of-pocket amount; the bad part is that amount can be high enough to strain some people. This may not be your plan if you don’t have any savings.

Medigap plans don’t have out-of-pocket maximums; the Medicare Supplement plans won’t nickel and dime you like Advantage plans.

Advantage Plan Benefits Change Annually

Keep in mind that, unlike the Medigap plans, the Advantage plans change annually; you can stay on top of this by reviewing your plan’s Annual Notice of Change every September to make sure your plan has the same benefits for the upcoming year.

Do Doctors Like Medicare Advantage Plans?

Since Advantage plans put the patients’ financial risk on the doctors, which is called global risk or full risk, most physicians may surprise you and express their dislike for the Advantage plans, which is a way to keep costs down and provide less care.

Are Medicare Advantage Plans Worth It?

If you are healthy, live in a prime Medicare Advantage area, and prefer to pay-as-go, Medicare Advantage plans might work for you. They are worth the zero-dollar premium, but it’s up to you if the coverage meets your needs.

Choosing your plan based on its value depends on your healthcare needs, budget, location, and preferences. People also decide to leave Medicare Advantage plans for good reasons.

What Are The Worst Medicare Advantage Plans?

The worst plan would be that you chose without thoroughly reading the terms and conditions and understanding the plan.

If you have many health issues and many doctors, you should check out a PPO policy, and if you are relatively healthy with only one doctor, you should try an HMO policy.

Fortunately for you, they use a 5-star rating system that helps you identify the quality and popularity of a plan and what to avoid.

Many people are disappointed with the constant need to pay co-pays and wait for referrals for services to a small network of doctors; with these issues, be sure to research before choosing a Medicare Advantage Plan.

Can I Enroll in a Medigap Plan Later if I Enroll in a Medicare Advantage Plan Now?

Yes, you can enroll in a Medicare Advantage plan and a Medigap plan later. Still, you’ll have to wait for either the Annual Enrollment Period or the Medicare Advantage Open Enrollment Period to make changes.

Remember that most people only get a one-time Medigap Open Enrollment Period, which is your only chance to enroll in a Medigap plan without answering health questions.

Still Have Questions?

FAQ

What Are The Disadvantages of Medicare?

There is no vision, hearing, or retail prescription drug coverage.

Will I pay more out-of-pocket for a Medicare Advantage plan than a Medigap plan?

Some people are put off by the higher premium of Medicare Supplemental plans at first, but your out-of-pocket costs each year could end up being higher on a zero-premium plan because of the smaller network of doctors and out-of-pocket co-pays. Sometimes, paying the upfront monthly premium could help you save money.

Why are Medicare Advantage plans pushed so hard?

Advantage plans are heavily advertised because of how they are funded. These plans’ premiums are low or nonexistent because Medicare pays the carrier whenever someone enrolls. In addition, it benefits insurance companies to encourage enrollment in Advantage plans because of the money they receive from Medicare.

Conclusion:

Medicare Advantage is not the best solution for everyone, and most costs are paid out of pocket when you seek health care services.

With Original Medicare and Medigap, most of your costs are paid in advance.

A Medicare Advantage plan can help you save money and provide some coverage in some cases.

Medicare Advantage plans are more beneficial when you’re healthy and receive assistance paying the shared cost.

If you qualify for Medicare and Medicaid, you may find a Medicare Advantage Special Needs Plan affordable.

Millionacres Mogul Review 2022 (Motley Fool) Is it Legit?

By

Greg

-

September 10, 2021

0

Bottom line: Millionacres by Motley Fool features two services: Millionacres Mogul & Real Estate Winners; they both help you make money using real estate investing strategies.

The goal is to simplify real estate investing, aiming to help everyday people build wealth. Whether you plan to buy your first home or grow your portfolio, try Millionacres to demystify real estate investing.

Millionacres Real Estate WInners Review: Is Motley Fool Legit?

What’s the deal with Millionacres? There are two different Millionacres subscription services, Real Estate Winners and Mogul. What can you expect to learn from Millionacres? Senior Affair did some research to explain everything you need to know about Millionacres and how it works today in this review.

Motley Fool’s launched a new real estate investing brand called Millionacres. Found online at Millionacres.com, Millionacres wants to teach followers how to build real wealth by investing in real estate.

What is Millionacres?

Motley Fool is one of the most trusted names in the financial publishing space. Founded in the 1990s by two brothers, Motley Fool offers free information and paid subscription services to investors from all experience levels.

Like how Motley Fool simplified stock investing for average investors, Millionacres wants to do the same for real estate investing.

Motley Fool explains the goal of Millionacres:

“Our mission is to make you smarter, happier, and richer through real estate investing. We educate and empower investors to make great decisions and achieve success – from those just starting out to seasoned pros with decades of experience.”

Motley Fool wants Millionacres to demystify real estate investing for investors, helping you build wealth in the real estate space – at the same time, providing the same “classically Foolish advice” that the brand has become known for.

Please take advantage of the great information on Millionacres; they publish free blog posts and informative reports when you provide your email address. At any time, you can also sign up for paid subscription services like Mogul and Real Estate Winners, giving you additional information about real estate investing.

Who is Millionacres for?

This is for US investors who want access to public and private real estate investments; you can invest as little as $1,000. Non-accredited investors can get monthly recommendations. Accredited investors with a liquid net worth of $1 million or a qualifying annual income can access the investments. Mogul was made for high net worth earners. The service could be an alternative to owning rental property.

Investors can get trading ideas for these asset classes:

Crowdfunded Commercial Real Estate – Individuals offering and REITs

Real Estate equities – Stocks and REITs available on other investing apps.

You can also find these opportunities on Crowdstreet; the service finds opportunities on other platforms as well.

What Will You Learn with Millionacres?

Real estate is like the ocean; it’s vast and can be very intimidating, especially when you first get started.

Real estate is also one of the most significant opportunities for investors. We’ve all read about other people building real wealth through real estate investing, and you can do it too.

It’s possible to launch entire careers from real estate investing. Building an extensive real estate portfolio could allow you to quit your job or retire earlier than planned. The real estate investments you make today could secure your family for generations.

Motley Fool understands the complexity of real estate investing – and the opportunities within real estate investing. With Millionacres, Motley Fool wants to demystify real estate investing for anyone.

What will you learn with Millionacres? Here’s how Motley Fool explains the information you’ll receive through Millionacres:

“Millionacres is a comprehensive resource to help investors of all kinds become more successful with real estate. There’s no one-size-fits-all solution; that’s why you’ll find content on REITs, rental properties, fix-and-flips, financing, commercial crowdfunding, and more on Millionacres.com.”

Real estate isn’t a single industry. It’s a collection of different spaces – from residential real estate to commercial real estate and REITs. Some people flip houses. Others invest in REITs, getting exposure to real estate without ever owning a home.

Some of the topics covered by Millionacres include:

Commercial real estate
House flipping
Short-term rentals
Rental properties
REITs
Real estate ETFs
Land investing
Real estate stocks

How Does Millionacres Work?

Millionacres was founded based on five core principles, including:

1.) You Shouldn’t Have to Pay Thousands for Real Estate Investing Education: You can find plenty of courses offered by real estate investment gurus. These courses cost thousands of dollars and claim to teach you the power of real estate investing. The brothers founded Millionacres on the principle that real estate investing information should be free. Although Millionacres has paid services, the company makes content on Millionacres.com available for free.

2.) Learn from Experienced Operators

Since Motley Fool employs some of the most trusted names in the online investment analysis space, the writers and editors at Millionacres are experts in real estate investing and writing.

They combine their experience, and it ranges across many different real estate disciplines. Even better, the writers and editors aren’t inspired, endorsed, or sponsored by any advertiser.

Millionacres wants to provide unbiased information from people you can trust.

3.) Fancy Industry Jargon Won’t Impress anyone: I’ve read many real estate investment blogs, and it’s easy to get overwhelmed. It’s refreshing to know Millionacres wants to teach you the same concepts – but without the jargon. They explain, “real estate is complicated enough without needlessly complex terminology.”

4.) They Rate and Review Products & Services Important to Real Estate Investors: Millionacres does not claim to be influenced by specific advertisers; they want to highlight products and services vital for real estate investors. The company rates and reviews tools, products, services, and books essential to real estate investors.

5.) They Believe Individual Real Estate Investors Are a Vital Part of Communities: Millionacres wants to create a diverse and open community of real estate investors, offering opportunities that are available to anyone. Often we think of Real estate investing as being a privileged and inaccessible world. Millionacres wants to open it up to everyone.

Millionacres Services

Millionacres offers two premium subscription services. Although the information on Millionacres.com is available for free, you can pay for Real Estate Winners or Mogul.

We have written complete reviews of Real Estate Winners and Mogul. Here’s a basic overview of each service:

Mogul ($2,999 Per year): Mogul is the flagship subscription service for Millionacres. Mogul expands on the website’s knowledge base with specific strategies real estate investors can take today. Mogul subscribers receive vetted recommendations for individual crowdfunded investments, REITs, equities, and tax-efficient planning, among other services.

Real Estate Winners ($275 Per year): Real Estate Winners is a paid subscription service that helps users build their portfolios using real estate investment trusts (REITs), real estate equities other products and services.

You get access to exclusive interviews and their scoring models. The service looks for the best investment opportunities via online stock brokerages and crowdfunding platforms. Everyone has access to deals but lacks time to research and identify them; this is what Millionacres has done for you.

Dividend Income

Did you know that real estate and stocks can earn dividend income from rising asset prices and dividend payments? Real estate can earn a higher dividend than non-real estate stocks. REITs that trade on the stock market have to distribute at least 90% of their profits to shareholders.

Mogul vs. Real Estate Winners, Which Should You Choose?

It can be confusing to know which product to subscribe to, consider these points: Think about your experience level, budget, and if you plan to pursue real estate investing as a hobby or a career?

If you have a tight budget, you shouldn’t put yourself in debt to subscribe to these services. Just visit the site, read the free materials, and learn as much as possible before investing in something like this.

If you are a beginner, I wouldn’t advise spending thousands of dollars on advanced tactics until you learn the basics. So I recommend the Real Estate Winners newsletter, but if you are experienced and want to step up your game, I’d say go with Mogul. Financially, if you plan to invest less than $10,000, try the Real Estate Winners newsletter, but if you plan to spend more than $10,000, invest in the Mogul product for maximum results.

Mogul is a real estate investment recommendation newsletter from Millionacres. The newsletter teaches subscribers how to take advantage of real estate investing.

When you subscribe to Mogul, you get regular commentary on the state of the real estate industry. You get tools, guides, and other resources to help you make informed investment decisions. You get tax research to amplify returns, along with specific recommendations for real estate equities, REITs, and individual commercial real estate deals.

The Mogul team wants to provide honest, transparent, and impartial research. They can act as a guide for real estate investors. Without pushing you towards a specific opportunity, their team will equip you with the knowledge to become a wealthier, wiser, and better-informed real estate investor.

Mogul’s proprietary system for analyzing real estate investments gives each property a “Mogul Score” based on Millionacres; they send their team across the country to spot new investment opportunities and refine its Mogul Score system.

Mogul will cost you $2,999 yearly, and subscribers can receive many bonus reports and other products for signing up today.

The Mogul Score

The Millionacres team uses a 100-point scoring model when they recommend investments. This model is only available to Mogul subscribers.

Mogul Score Criteria includes:

Platform: Is the crowdfunding platform reputable and easy to use?

Sponsor History – Finances and Experience of the Sponsor

Macro real estate trends – Performance of similar real estate deals

Potential Return – Are the returns worth the investment and risk?

Deal Quality – Favorable terms and Growth potential

Taxes on Investments

The tax treatment for investing in individual properties is different from trading real estate stocks and REITs. Crowdfunded private placements recieve a Schedule K-1, coming later in the tax season and more complex than Form 1099 that you get from stock investments.

The K-1 lets you deduct income losses and depreciation, effectively reducing your taxable passive income.

If you don’t want to deal with this tax form, stick with publicly traded recommendations.

You could also consider investing in Crowdfunded REITs as Realty Mogul offers.

Real Estate Winners is the more affordable premium service from Millionacres. Real Estate Winners is a REIT and real estate equities newsletter.

Motley Fool launched Real Estate Winners with a similar goal to Mogul: to keep real estate investors informed.

The Real Estate Winners team of analysts identified a group of real estate investments and REITs in some of the most significant demographic and technological trends shaping society today.

When you subscribe to Millionacres Real Estate Winners, you will learn more about these opportunities; they crowdfund most real estate investments and similar opportunities.

When you subscribe to Real Estate Winners, you’ll get:

At least one new REIT or real estate equity recommendation each month
Updates on offers, after earnings announcements, and other significant events
Educational content and resources to make you a more intelligent real estate investor
Quarterly Top 10 Investment Alerts

Motley Fool claims Real Estate Winners could deliver 13.4%, 14.1%, and 16.7% per year, and you could benefit from opportunities that aren’t in other spaces, like tax breaks, government payouts, and a limited supply. You won’t have to become a landlord to enjoy this.

Topics Covered by Millionacres

Millionacres provides free information to real estate investors through its blog.

Investors sign up for paid subscription services like Mogul and Real Estate Winners and unlock crowdfunded investment opportunities and other services. Or, you can study the blog posts and get free information about real estate investing.

Some of the topics recently covered on the Millionacres blog include:

What is Pre-Foreclosure, and How Does It Impact Both Homeowners and Homebuyers? Why This REIT’s Latest Purchase Means It’s Doubling Down on Hollywood

3 REITs You Need in Your Real Estate Portfolio
I Put $25,000 Into This REIT: Here’s Why You Should Too.
3 Top Real Estate Stocks to Buy With Dividends Above 5%
Where to Find REO Foreclosure Listings

Millionacres publishes multiple blog posts per day about real estate investing, covering topics from across the industry.

Who’s Behind Millionacres?

A team of experts leads Millionacres. At launch, the Millionacres team consists of these individuals:

Greg Martz, Director of Operations
Austin Smith, Managing Director
Matthew Argersinger, Lead Investor
Angel Hembry, Customer Success Manager
Deidre Woollard, Editor
Matt Frankel, Senior Analyst, CFP
Matt Bray, Director
Emily Strassman, Marketing Project Manager

With either service, you can view the portfolio of real estate investing opportunities. You browse these opportunities, choose the one you like, then invest as you would invest in an ordinary stock.

One advantage of Millionacres is diversification. Most homeowners don’t have a choice: their home is their most significant investment.

With the Millionacres crowdfunded real estate system, you can diversify. You could put 10% of your portfolio into residential properties, for example, and 50% into commercial real estate in a different market and asset class. With Millionacres Mogul and Real Estate Winners, it’s easy to diversify.

How Much Does Millionacres Cost?

Millionacres is free for anyone to use. It’s a free blog found online at Millionacres.com and Fool.com.

You can browse the blog posts for free without entering your email address or paying anything.

Suppose you’re interested in learning more about crowdfunded real estate opportunities or real estate investing in general. In that case, you can sign up for Mogul, Real Estate Winners, and other Millionacres subscription services:

Real Estate Winners: $249 per year

Mogul: $2,999 per year

Final Conclusion

Real estate is the best investment in modern history. Real estate has created more billionaires today than any other asset class.

Millionacres is a new Motley Fool service featuring real estate investing information. Discover free information about real estate investing and how it works, including tips for investing in real estate and guides to earning more significant real estate returns.

Millionacres has two premium services, including Mogul (a real estate investment recommendation newsletter) and Real Estate Winners (a REIT and real estate equities newsletter). You can discover crowdfunded investment opportunities and more.

To learn more about Millionacres and what to expect, visit online today at Millionacres.com

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