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Feed Your Mind and Body

Posted on: April 23, 2014 By: Kevin Tavakoli

If you are looking for healthy meals that benefit your mind and body, here are some choices to try.

  1. Salmon w/spinach & walnut pesto on whole-grain bread or bun. The salmon adds omega-3 fatty acids, spinach adds magnesium (which helps lower blood pressure), and walnuts add melatonin to help you sleep better.
  2. Detox Salad. This salad includes watercress and artichokes to limit bloating and the artichokes also add inulin, a soluble fiber. The celery replenishes your body with water with its potassium and sodium. Also in the salad is red-onion and feta cheese. Toss all in a cucumber vinaigrette.
  3. Boost your Libido with a Stir-Fry. This includes asparagus for vitamin E, beef adds zinc for a testosterone increase, brown rice also enhances the libido, and cashews are a natural aphrodisiac.  Other ingredients are bell peppers, ginger, soy-sauce, and lime juice.
  4. Slim Down with a Blackberry and Banana Smoothie.  Blend blackberries which fill you up and bananas to add fiber with coconut milk that helps shed belly-fat, yogurt to help fight fat, and lemon zest and honey.

We are Save-On Health Insurance Services and we proudly serve the Los Angeles, California area.  For more information, contact us.

Is It Time to Update Your Life Insurance?

Posted on: April 21, 2014 By: Kevin Tavakoli

If you’ve experienced a major change in your life, you might want to review your life insurance policy. You’ll want to make sure the amount of coverage, your beneficiaries and even the type of policy you have reflect your current circumstances.

You may need updated insurance if:

  • You have a child, adopt or someone becomes dependent on you.
  • Your family’s standard of living has changed since you obtained insurance.
  • A family member requires medical treatment or has special needs.
  • You bought your policy before 2009 (policies before 2009 use outdated mortality tables).
  • You pay off a mortgage or other significant debts.
  • You anticipate significant expenses that were not a factor when you bought the policy.
  • You have started a business venture.
  • You want to change or add a beneficiary.

Before making a change, ask your insurance agent:

  • Do I have enough coverage for my needs?
  • Am I paying competitive rates for someone of my age, health status and financial status?
  • Should I consider a switch between term, whole or universal coverage?
  • Is there any equity in my whole life policy and what will happen if I discontinue it?
  • If I switch to term life insurance, how long should the policy last?

To learn more about life insurance options in the Los Angeles, California area, contact Save-On Health Insurance Services.

Why Life Insurance Is Important for Singles

Posted on: April 18, 2014 By: Kevin Tavakoli

Many single people incorrectly believe that life insurance is not something they should consider. They may feel like life insurance is for those who are married, have children or who have significant financial responsibilities. That is simply not the case. Here are some very good reasons single people should consider getting life insurance now.

  • Final expenses are expensive. Even a modest funeral can cost $5,000 or more and that is not a burden that a family member should bear.
  • You may have loans that have been co-signed by someone else. If that is the case, your co-signer will still be obligated for that loan.
  • Life insurance is at its least expensive when you are young and in good health. You may be surprised with how much term life insurance you can get for a few dollars a month.
  • Maybe you want to leave a legacy. Life insurance is an affordable way to leave a significant donation to a non-profit organization in your name.
  • Perhaps you are an unmarried parent. If that is the case life insurance can make a significant impact on the life of your child.
  • You have elderly parents that are counting on your assistance as they age. An insurance policy on your life can make all the difference in the world.

If you would like a free, no obligation life insurance quote, contact us at Save-On Health Insurance Services in Los Angeles, California. We can show you how affordable life insurance for a single person can be!

Natural Aids for the Relief of Stress

Posted on: April 16, 2014 By: Kevin Tavakoli

April is National Stress Awareness month. It is a month designed to recognize the high cost that stress has on our emotional, physical and mental well-being. With that thought in mind, here are some natural stress relievers.

  • Use of Lavender. Lavender is said to have great stress reducing properties and the scent of fresh lavender may even promote better sleep.
  • Avoid sugar and instead have some dark chocolate. Sugar may actually add to your stress level but dark chocolate may actually reduce stress.
  • Get a massage. Massages come in many types so look for a Swedish Massage or Aromatherapy Massage to aid in the relief of stress.
  • Take a bubble bath. Simple, yet effective, a hot bath, especially with a good book and candles can be a terrific stress reliever.
  • Make yourself a chamomile tea. Chamomile is a natural relaxer.
  • Exercise. Working up a sweat can be a great natural way to relieve stress.

If you would like a quote on your health insurance contact us at Save-On Health Insurance Services of Los Angeles, California.

Are You In-the-Know about Tax Deductions?

Posted on: April 14, 2014 By: Kevin Tavakoli

If you’re not up to date on tax deductible expenses for 2013, now’s the time to increase your knowledge. Many people lose out on money saving deductions due to ignorance of tax laws. Here are a few overlooked deductions you should be aware of.

  • State taxes can be deducted from your federal income tax if you itemize. If your state doesn’t charge a state income tax, you can deduct expenses for state sales taxes instead.
  • Out of pocket expenses for charitable causes such as the cost of travel, food, tickets for school fundraisers, etc. are tax deductible for taxpayers who itemize.
  • Job hunting expenses to include transportation, food, lodging, agency fees, etc., can be deducted from your taxes if you itemize. First job moving expenses can also be deducted if the job is located 50 miles or more from your home.
  • The cost of buying and installing energy saving equipment to your home such as a new heating/cooling system, geothermal heat pumps or wind turbines can be deducted from your taxes. 

For more money saving tax tips or help in choosing health insurance in California, contact Save-on Health Insurance Services located in Los Angeles, CA.

Take Control of Stress

Posted on: March 19, 2014 By: Kevin Tavakoli

It has been known for a long time that stress is contrary to a healthy lifestyle. The question is, what can you do about it? Here are some suggestions:

  • Write down what you are stressing about. Simply putting your worries down on paper can help.
  • Schedule something relaxing. It could be a round of golf, an hour in the backyard in a lounge chair reading a book or simply taking a long hot bath.
  • Relax physically. Let your shoulders drop. Notice the muscles that are tense and consciously release the stress in each one.
  • Be grateful. It is hard to be stressed when you are thankful for the people and things in your life.
  • Exercise. Physical activity is a great reliever of stress.
  • Listen to some of your favorite tunes that make you feel good. Music can be a good cure for stress.

If you happen to be stressing about your health care coverage, we can help. We are Save-On Health Insurance Services and we serve all of California from offices in Los Angeles. Contact us today.

Long Term Care for Seniors

Posted on: March 17, 2014 By: Kevin Tavakoli

Needing long term care late in life is a common way to remain independent and to increase quality of life. With long term care, seniors can remain in their own homes with the help of home-care services.

Outside of their homes, they can lead a more comfortable life by getting long term care in residential facilities that cater to those who need regular care with everyday tasks. Those services are often help with both medical conditions and day-to-day personal care tasks. With the right health insurance policy, California seniors can get the long term health care they need when they need it. 

When you want to be protected for the future, getting insurance that will pay for your long term care needs is vital. To get those services in Los Angeles, contact Save-On Health Insurance Services for a reasonable rate without skimping on the services that you may one day need to be healthy and comfortable. 

I’m Young. Do I Need Life Insurance?

Posted on: March 14, 2014 By: Kevin Tavakoli

You’re young and in the best health of your life. Do you really need life insurance? For adults in their twenties and thirties, life insurance is probably far from their mind. What many people fail to understand; however, is that life insurance can come in handy in the event of unexpected circumstances. There are several situations in which you may want to consider getting life insurance.

If you have parents, siblings or relatives that depend on your income, life insurance is essential. While you may not consider these people as your dependents, they depend on you as the sole earner. Life insurance is also important if you have a partner, spouse or children who depend on your income. Life insurance policies can also provide mortgage protection and can give you and your partner peace of mind.

In the event that you pass unexpectedly, life insurance will provide the financial means to allow your family time to grieve without worrying about finances. Money can also be set aside for funeral expenses and burial costs. It’s important to understand that life insurance is affordable, especially if you are young and healthy when you acquire it.

For more information about life insurance in California, please contact Save-On Health Insurance Services, located in Los Angeles.  

Why Annuities Pay Off, in the Long Run

Posted on: March 12, 2014 By: Kevin Tavakoli

Some people look down on annuities as investment vehicles because they tend to pay lower rates than stocks and some other investment opportunities. At the same time, there are some strong arguments in favor of having an annuity as part of your retirement portfolio, including:

1. Annuity income is predictable. You know how much you will receive each quarter and can budget accordingly.

2. If your budget permits, annuity proceeds can be reinvested in more aggressive investments, without risking your main retirement nest egg.

3. Annuity investors can have confidence they will not outlive their income, an important consideration as the average lifespan increases.

4. Annuity contracts can be written so that a spouse, children or other heirs will receive payments for a guaranteed period, even if the main beneficiary passes sooner than expected.

5. Annuities can be used as investment vehicles, with variable rates paid based on mutual fund performance. More conservative investors can choose fixed rate annuities, which will pay the same amount regardless of the market’s status.

Save-On Health Insurance Services, in Los Angeles, California, can help you with all of your retirement and insurance needs. To learn more or schedule an appointment, contact us.

 

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