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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.

L.A. Exceeding Expectations for ObamaCare Sign-ups

Posted on: April 11, 2014 By: Kevin Tavakoli

While reports of those signing up for the Affordable Care Act across the country have been spotty and in some cases, disappointing, a recent report in the L.A. Times says that is not the case in Los Angeles County. The paper states that recently released data from the state says that over 200,000 people have signed up for Obamacare in the county. The Times article says that puts L.A. County behind only the entire states of California, Florida, New York and Texas in terms of total enrollment.

California’s total enrollment has passed earlier estimates. Back in mid-February it had reached just over 825,000. There are some areas where the state is not performing so well. Riverside County for example, is said to be at only about 60% of projected sign-ups. Fresno and San Bernardino Counties are also falling behind.

If you have questions regarding the ACA or your current health insurance coverage, contact us. We are Save-On Health insurance Services of Los Angeles, California and we are here to assist you.

The Deadline Changes for Enrollment in Covered CA and Obamacare

Posted on: April 9, 2014 By: Kevin Tavakoli

The deadline to get health insurance on March 31 has come and gone with many still trying to get a policy. Millions of people tried to access the websites for Obamacare and Covered CA, resulting in many not being able to enroll. The federal administration anticipated the server overload and has extended the deadline for getting coverage until April 15, although it is possible another extension will be added. Anyone who is trying to enroll can check a box that says they tried to get insurance online, but were unable to, qualifying them for the extension.

Covered CA is operating on the same premise that users were unable to get onto the website by the end of the day on March 31, and has created the same extension. California residents have until April 15 to contact a representative at a Covered California Service Center or a certified enrollment counselor to talk about their difficulties and get the extension.

Both the federal government and California state officials were aware that accessing the sites could get difficult, and created the extension as a result.

For help with getting a deadline extension for Covered CA, contact Save-On Health Insurance Services in Los Angeles today!

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.

 

All About Annuities

Posted on: March 10, 2014 By: Kevin Tavakoli

When planning for the future, you may have heard suggestions on annuities and how they can benefit you in the long run. First, what is an annuity? An annuity is basically a way to guarantee income for the rest of your life. There are two standard types. The first is an immediate annuity, and the second, is a deferred annuity. Here is a quick snapshot of the options for each:

  • Life – You will receive dividends for life.
  • Period Certain – You will receive dividends for a specified amount of time.
  • Life Annuity with Period Certain – You will receive dividends until your death. That income will then transfer to a beneficiary.
  • Joint and Survivor – You will receive dividends during your lifetime and after you expire, your beneficiary will receive a percentage of that income.

All of these options can be explained in detail from a knowledgeable insurance agent. For more information and tips on choosing the right annuity for you in the Los Angeles, California area, contact Save-On Health Insurance Services today!

Reasons You Need Life Insurance

Posted on: March 7, 2014 By: Kevin Tavakoli

Life insurance is purchased for many reasons. It can provide funds for burial expenses. It can pay off the deceased’s bills. It can provide for the insured’s family, or even insure a key employee. Some people will purchase life insurance to leave a legacy to a favorite non-profit.

If you are considering life insurance, you should think about these four questions:

  • What exactly is it that you want the proceeds to provide?
  • How much money will it take to accomplish that goal?
  • How much can you afford to pay for life insurance premiums?
  • What is the best type of policy to help you accomplish those goals?

Of course you will want to contact a professional life insurance agent to discuss your options.

Life insurance, like health insurance, is part of a solid financial, loss prevention plan. If you would like to know more about how you can save on your health insurance, contact us. We are Save-On Health Insurance Services and we serve all of California from our Los Angeles based offices.

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