Protect your health, mortgage equity, income and life

Contact 408-854-1883 for rewards when protecting your mortgage equity, life, income and health.

https://www.johnhancockinsurance.com/vitality-program.html

Hiring life and health insurance agents in the USA

Work with seven sources of leads. And the high commission and training you deserve. No time wasted. Contact Connie at 408-854-1883
A covid-proof income for anywhere in the USA.

If you just completed college or is burned out in your current job, we can help you pass the licensing test with review site at examfx.com

We have to match the needs of the clients and not be selling 1 product only that will not be beneficial to our clients.

Let’s earn together in the next 5 years.

Do not need to work with debt settlement companies, call Chase 866-3510182

Settle your credit card payments with Chase since they do not deal with debt settlement companies. Ask for reduced payment in 4 months for half or 2/3 of your current credit card bills with no more interest (explain the financial hardships you had) 866-351-0182

card mother

Big 4 Medicare Mistakes

I’ve seen a few people make mistakes with Medicare here’s the four mistakes I see most often and how you can avoid them. The first is misunderstanding is:

  1. Misunderstanding Enrollment Periods

You know the system would be so much easier to understand if there was just one enrollment period but there’s not there are several and they all have different purposes. There’s the initial enrollment period which is a seven month period runs three months prior to when you turn 65 and three months after this when you first sign up for Medicare.

General Enrollment Period 

Which is for someone for someone who missed their initial enrollment period. It typically runs from January 1st to March 31st.

Open Enrollment Period 

Which happens every year between October 15th and December 7th this is where you can make changes to a Medicare Advantage Plan or where you can switch to a new Part C or Part B plan but in addition to these there are a few other enrollment periods that only apply in certain circumstances.

2. Choosing the Wrong Medicare

One of the big medicare decision you’ll have to think through this is you should stay with Medicare Parts A and B add a supplement or should you go with a Medicare Advantage plan or decide later on that you don’t like the coverage and you want to go back to traditional Medicare. You’ll be subject to help Thunder riding except in a certain narrow circumstances. This means that if you’ve gotten sick, you may not have the option if switching back.

3. Not Reading Your Annual Notice of Change

If you have a Part D or Medicare Advantage Plan you’re going  to receive an annual notice of change typically in September. This notice tells you how your plan is changing in the year ahead and there’s always something that changes it maybe something simple like the premium changing potentially going up for going down or it could be something really big like your family doctor is no longer in the network or an expensive medication that you take is no longer covered this notice is very important but unfortunately it’s really easy to miss – because they come in September. Blowing mail box in September is pretty famous. So Annual notice can easily mixed up with a bunch of mails and might lose in the process.

4. Not Using Your Resources 

There’s an abundance of free resources that you can find quickly and easily online. One of the best resources will be finding  an awesome insurance agent who really knows their stuff. You need an agent who knows your situation and fit you with a plan that meets your individual needs. Before you do, you need to do some basic research. You can start with the Medicare and you brochure that’s an official publication of Medicare.

If you’re making Medicare decisions, you’ve probably noticed that the program is not exactly straightforward and easy to understand. It’s full of confusing language, plans that seem awfully similar, a lot of different deadlines, and more than a few hidden costs that can take you and your budget by surprise. Here are the mistakes that I see most often and how you can avoid them.

Free Medicare Mini-Course ⬇️ https://devincarroll.com/medicarecourse

Skip the course and contact Boomer Benefits directly: https://boomerbenefits.com/find-a-med… .

Resources: ➡️Medicare & You Brochure https://www.medicare.gov/pubs/pdf/100…

elder financial exploitation

Financial institutions report widespread elder financial abuse

Financial institutions are seeing vast numbers of their older customers fall prey to financial exploitation by perpetrators ranging from offshore scammers to close family members—and they’re filing hundreds of thousands of reports with the federal government about these suspicions.

Today the Bureau released a report about key facts, trends, and patterns revealed in these Suspicious Activity Reports—or SARs—filed by banks, credit unions, casinos, and other financial services providers. The Bureau analyzed 180,000 elder financial exploitation SARs filed with the Financial Crimes Enforcement Network (FinCEN) from 2013 to 2017, involving more than $6 billion. This first-ever public analysis provides a chance to better understand elder fraud and to find ways to improve prevention and response.

What we learned

  • SAR filings on elder financial exploitation quadrupled from 2013 to 2017. In 2017, financial institutions filed 63,500 SARs reporting elder financial abuse. Yet these SARs likely represent only a tiny fraction of the actual 3.5 million incidents of elder financial exploitation estimated to have happened that year.
  • Elder financial exploitation isn’t just happening at banks or credit unions. Money services businesses, used by many people to wire money, have filed an increasing share of these SARs (58 percent in 2017).
  • Older adults ages 70 to 79 lost on average $43,300. And when the older adult knew the suspect, the average loss was even larger–about $50,000.
  • While financial institutions are increasingly filing elder financial exploitation SARs, they often do not indicate that they reported the suspicious activity directly to first responders. Fewer than one-third of elder financial exploitation SARs specify that the financial institution reported the activity to adult protective services, law enforcement, or other authorities. If the financial institution is not reporting to these authorities, this is a missed opportunity to strengthen prevention and response.

Speak up about elder financial exploitation

  • If you believe that you or someone you know is a victim of financial exploitation, contact your local adult protective services (APS) agency. You can find out how to reach your APS office from the Eldercare Locator at eldercare.acl.gov or by calling 1-800-677-1116.
  • Report scams or fraud to the Federal Trade Commission at ftc.gov/complaint .
  • Share a Money Smart for Older Adults guide with those in your community. Money Smart for Older Adults is an elder financial exploitation awareness and prevention program the Bureau created with the Federal Deposit Insurance Corporation (FDIC).

Education is our best investment

education-and-ed

 

Charter schools are privately run, publicly funded, and irregularly regulated. John Oliver explores why they aren’t at all like pizzerias.

Last Week Tonight host John Oliver devoted much of his Sunday show to delving into the serious issue of publicly-funded and privately-run charter schools.

Describing these schools as “the things that politicians love to praise” –including clips of Trump, George W. Bush and Barack Obama doing exactly that–Oliver nonetheless makes the case that these schools deserve a failing grade.

While these types of schools have become popular over the past couple of decades (there are now 6,700 U.S. charter schools with nearly 3 million students, he said) Oliver spent much of the program outlining various problems with charter schools, noting that “critics argue charters overstate their successes, siphon off talented students, and divert precious resources within a school district.” Oliver also pointed to the high number of charter schools that are forced to close due to mismanagement or other issues, with schools sometimes being shuttered abruptly in the middle of a school year.


In Canada, college students spends every other 4 months in internships.

In India, BS and MS in Computer Science can be completed in less years than in other countries.

At Stanford University, a BS in Computer Science can have a free MS in Computer Science for free. Low income families can send their children to Stanford for free if they passed the entrance/qualifying tests.


In San Jose, a Hammer Montessori style public elementary schools have less funding and was combined with Galarza Elem school.

Castillero Middle School in San Jose is the only bay area school with music classes.

Both schools were attended by my children.


De Anze City College are being flocked by many students (some are also enrolled in other universities). They are affordable.


Connie’s comments:

We need to pay our teachers more.

In 1982, my pay as a high school science teacher in the Philippines is $50 per month.