13 Facts About Friday the 13th That Scare Us
Friday the 13th, a day with superstitions you either avoid or embrace. For those of you a little skeptical on whether the day is truly unlucky, consider this… […more]
What Happens to Healthcare if Clinton or Sanders Wins the White House?
If Hillary Clinton or Bernie Sanders wins the presidency, the U.S. will have Obamacare and then some. Especially if Sanders is elected. Both candidates have been very vocal – and quite detailed – about their plans for healthcare. […more]
5 Ways to Stay Healthy Outdoors in Lubbock
Lubbock is a city of wide-open spaces and believe it or not, there are a variety of outdoor options to stay healthy. Don’t rely completely on health insurance, get some much needed exercise! Whether you prefer exercising on wheels, motors, or sturdy shoes, you can find an outdoor outlet in the Hub City. The plethora of gyms and activity centers can also give shelter in [...more]
What Happens to Health Insurance if Cruz or Trump Wins?
President Obama’s Affordable Care Act has been one of the most divisive laws in recent memory. As Super Tuesday revealed, Trump and Cruz have the highest probability of securing the Republican nomination. For the sake of brevity, let’s leave out Rubio and democratic candidates and focus on how Cruz and Trump plan to tackle Obamacare. […more]
How Can Open Carry Affect Insurance for Texas Businesses?
Open carry legislation went into effect in Texas on January 1, 2016. This means that ordinary citizens with an existing concealed handgun license, can openly carry their firearms in public. There are several exceptions, including college campuses, federal and state owned land and in businesses that overtly prohibit open carry. While Texas is by no means the first state to allow open carry, it’s the [...more]
The Minimum Insurance You Need as an Entrepreneur
If you start reading about all the types of insurance on the market for a business, you might become overwhelmed. It’s a rookie mistake to forgo insurance, thinking coverage for a new business is an unnecessary expense. Instead, let’s look at the minimum amount of insurance an entrepreneur should carry. Note the types and amount you should carry depend on your industry, location and the [...more]
Saving on Health Insurance Premiums
News of rising health insurance premiums has alarmed Texans as well as citizens of other states. In July, the New York Times announced that insurance companies were petitioning the federal government to approve rate increases of 20 to 40 percent and even higher. In Minnesota, for instance, Blue Cross and Blue Shield sought to raise premiums an astonishing 54 percent. […more]
Avoid ACR & Save on Group Health Plans for 2016
As you surely know by now, small employers in Texas are facing a series of changes under the Affordable Care Act. Some of these changes center around the Adjusted Community Rating (ACR), which went into effect in January of 2014. So far, it’s affected small businesses with 1 to 50 employees. But starting in 2016, employers with 51 to 100 employees will also be subject [...more]
Small vs. Large Insurance Carriers
With Thanksgiving right around the corner, allow us to use this analogy to describe small vs. large insurance carriers. No one wants a small turkey for their family, you want quality meat at an affordable price that can feed everyone. Same with insurance, a policy that is affordable and provides adequate coverage should be the goal for a new auto, home or renters policy. [...more]
Open Enrollment for Health Insurance Begins November 1, 2015
On November 1, 2015 open enrollment begins nationwide and lasts until December 15th 2015. For a month and a half, you have the ability to sign up for the government managed, health exchange marketplace. You also have the same amount of time to sign up for private health insurance plans, unless you qualify for a special enrollment. […more]
Why Home-Sharing May Not Be Insured By Your Policy…
Travelers using Airbnb and HomeAway look to fully immerse themselves in the culture of a city by sharing the home of a local host, while a host makes some extra cash by allowing a stranger to stay with them. As the popularity of a ‘sharing economy’ increases in our society, it’s important to be armed with all of the facts when it comes to participating [...more]
How Uber, Lyft & Turo May Not Be Insured by Your Auto Policy…
Auto Insurance. You may think of it as a paper stuffed in your glove box that allows you to legally drive in the U.S. That hard copy, though, is actually the contract you made for an exchange of money for coverage. When you purchase car insurance, you are buying security. If damage occurs to your property, health, or others during a collision, theft or natural [...more]
Top Places To Propose In Lubbock
According to the Lubbock county clerk, “millions and millions” of marriages have been performed in Lubbock County since its incorporation in 1881. You can even find Buddy Holly’s marriage certificate in the hard copies on file at the courthouse. The mechanics of maintaining all of these hard copies, and of building digital databases is enormous. […more]
The State of Health Insurance for Texans in 2015
The source and funding of health insurance is still a political hot-button topic. Many people who have never had health insurance in Texas now have coverage, which was the main focus of the PPACA, or Patient Protection and Affordable Care Act, otherwise known as “Obamacare.” Other Texans lost coverage or were required to buy worse coverage for more money. […more]
Getting Affordable Comprehensive Motorcycle Insurance
Insuring a motorcycle can seem expensive, but it is just as important as insurance for a car. While every motorcycle driver in Texas is required to have liability insurance, comprehensive coverage is optional. Liability vs. Comprehensive Liability insurance pays other individuals involved in the accident, if you mess up. That’s the long and the short of it. In Texas you will pay hefty fines and [...more]