During this time of inflation, you try to save money wherever possible. Since the cost of homeowners insurance can vary, it may be worth looking for better rates to protect your home. Here are three considerations. Shop around. Get quotes from at least three companies, and be sure to make apples-to-apples comparisons among them. Learn more about how to size up policies. Multi-policy discounts. Buy your home, car, and other insurance from the same company. Insurers often offer multi-policy discounts when you get more than one policy from them. Ask about discounts. Some companies may lower your

Medicaid is a state and federal program which pays medical costs for low-income adults with or without children. Medicaid also covers people aged 65 and older, blind or disabled, or pregnant and cannot pay their medical bills. However, most people do not realize that Medicaid also pays for nursing home care as well. For seniors who require long-term care and meet the financial eligibility criteria, Medicaid has a program which covers long-term care and pays for almost 100% of their nursing home costs. To qualify for Medicaid, you must have under a certain amount of non-exempt assets. In 2020

Life planning, like so many other things, is often harder to begin than to finish. Society shies away from discussing death and its impact on others. As a result, many things are often left undone until it's too late. In some cases, this just makes it harder for the person tasked with finding and pulling together all the necessary information. In today’s digital age, this can mean assets are lost forever. Step 1. Start the Conversation You can't finish what you never start. To get organized and select an approach that feels comfortable, review the downloadable guides and workbooks offered by