Wednesday, January 02, 2013

Where will you SCORE/GET HIT with Insurance Costs in 2013...

If you're looking to save money on Insurance this 2013, here's how:

1.  Consolidate all your personal lines with one carrier.  "Huh?"  Call me.
2.  Get a Rugby Supplemental/Accident Only plan.  Got $10,000 laying around?
3.  If you OWN a business:  General Liability and Business Auto rates are good right now... Again, Call me.

Where you're going to get HIT with Insurance Costs in 2013:

1.  Workers Comp:  Business Owners, the Prop will Fall on You...  Have you checked your ExMod lately?
2.  Health Insurance:  Expect either your employer to ask you for a bigger contribution, drop benefits entirely, or just a simple 30-40% increase... Yes, your LineOut Lifters just dropped you...
3.  OLD Ruggers:  Long Term Care insurance.  This is for the 50+ crowd.  Get it, NOW.

Tax-wise, $1,000,000,000,000 (that's 1 Trillion), gets taken this year by the Feds to pay for Obamacare, which doesn't technically start til 2014. Plus, your wages will get pinged another 2%.  So, you'll have less money in 2013 if all else stays the same. 

Your only recourse is to score multiple tries... Or, make more money. 

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