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  • She NEVER Repeats Outfits, Here’s Her Secret:

    She NEVER Repeats Outfits, Here’s Her Secret:

    Stuck in a fashion rut? Or maybe you just don’t have time to shop? It’s tiresome, it’s time-consuming, and sometimes, you just can’t find what you want. Try out one of these clothing subscription services—you’ll get trendy and stylish clothing and accessories delivered right to your door at least once a month.

    Not sure if clothing subscriptions are your style? Prepare to be surprised—this list features plans to fit a wide range of styles and budgets. It’s our mission to change the way people find clothes they love by combining technology with the personal touch of seasoned style experts. The clothing subscription box experience is not merely curated—it’s truly personalized to you. We’re here to help you save time, look great and evolve your personal style over time.

    Here to save you from the exhausting practice of shopping both online and in stores, is a new method of acquiring new clothes that brings the whole enchilada to your doorstep. Rather than scrolling through an endless selection of shirts, pants, dresses, and everything in between, or rifling through racks and bins for that one size you need, you can just get a box of clothing sent straight to your front door. And that, my friends, is the magic of clothing subscription boxes.

    While there are plenty of clothing subscription box companies that offer this or a similar model, there are a few that stand a cut above the rest:

    1. StitchFix

    Cost: $20 styling fee (applies to any items you decide to keep.)

    Why You’ll Love It: The best part of this styling service is that it’s customized just for you. When you sign up for StitchFix, you’ll take an in-depth survey of your sizes, your style, and your pricing preferences. After choosing when you’d like to receive your delivery, your stylist will hand-pick 5 clothing and accessory items just for you. Keep what you love, return what you don’t.

    2. Fabletics

    Cost: $49.95 a month.

    Coupon: New VIP members can get 2 pairs of Fabletics leggings for $24.

    Why You’ll Love It: Fabletics curates high-quality, on-trend athletic clothing to fit your size, style, and needs, with new options available each month. You’ll love the flexibility to skip any month, or add additional items. Think stylish and sporty leggings, tops, shorts, and outerwear for yoga, running, and all kinds of other workouts. You’ll see chic and casual athleisure gear, too.

    3. Nordstrom’s Trunk Club

    Cost: $25 styling fee (applies towards items you choose to keep.)

    Why You’ll Love It: Trunk Club is Nordstrom’s personal styling service for sizes XS to 3X. Start with a style survey or chat online with a stylist to start curating a perfect assortment of pieces to try. Preview what your stylist has picked for you before it ships and make adjustments to your liking. Then simply try on your looks, keep what you love, and return what you don’t! Trunk Club price matches exclusively to Nordstrom within 14 days of purchase. Also, the $25 styling fee is waived if you use a Nordstrom credit or debit card!


  • Medicare Now Covers At-Home DNA Cancer Testing!

    Medicare Now Covers At-Home DNA Cancer Testing!

    Cancer sucks. Your chances of surviving cancer are much better when you find it early. Well, we’ve got great news: Medicare will now cover genetic evaluation of cancer by FDA-approved tests. It’s just saliva. No blood. No needles. All from home. Cancer screening increases the chances of detecting certain cancers early and might be easier to treat!

    No Doctors Appointment Needed

    Let’s be honest, genetic testing can be time consuming and expensive. Some tests cost more than others, and the final bill can be thousands of dollars. Yikes! Well, we’ve got great news for you: Medicare now pays for certain preventive health care services and some of the screening tests used to help find cancer with home-based saliva collection kits. No need to leave the comfort of your own home!

    Better Safe Than Sorry

    Sooner is almost always better when it comes to spotting cancer. It’s easier to treat if you catch it before it spreads. In today’s day and age, it is nearly impossible to find someone that has not been affected by cancer in one way or another. Whether its their mom, sister, aunt, grandma, neighbor, friend, or teacher, we all know someone who has suffered from cancer. Knowing your unique risks can help your doctor lower your odds of getting cancer. These at-home cancer DNA tests give you the power to take control of your health and help reduce your cancer risk.

    Easy as 1-2-3

    Just like those at-home ancestry tests you keep hearing about, Medicare now covers at-home cancer detection tests. With three simple steps, you’re one step closer to a healthier you. All you need to do is order your cancer DNA test and wait for it to come in the mail. Then you simply send your DNA, or a tube with your saliva, to the lab. The last step is to wait for your results to be mailed back to you and review the results. They have made the process as simple as possible!

    Do I Qualify?

    One of the best things you can do to lower your odds of getting cancer is to know your risks. With Medicare just implementing this new national policy, here is the following criteria that must be met to qualify for coverage of genetic testing.

    The patient has:
    • recurrent, relapsed, refractory, metastatic, or advanced stage III or IV cancer; and,
    • not previously tested using the same genetic test for the same cancer diagnosis (repeat testing using the same genetic test is covered only when a new primary cancer diagnosis is made); and,
    • decided to seek further cancer treatment (e.g., chemotherapy).

    The laboratory/genetic test must have:
    • Food & Drug Administration (FDA) approval or clearance as a companion diagnostic; and,
    • an FDA-approved or -cleared drug/treatment for use in the patient’s cancer; and,
    • results provided to the physician for management of the patient’s cancer using a report that specifies treatment options


  • She Changed Her Life in Just Two Years with This Online Nursing Degree:

    She Changed Her Life in Just Two Years with This Online Nursing Degree:

    One of the most popular forms of online education is found in the nursing field. While many people are interested in a medical profession, one of the most commonly sought degrees in the field is in nursing. Today we’re going over nursing degrees, online courses and what you need to know to start a career in nursing.

    Online Degrees in Nursing

    The Basics

    Many who seek out an online nursing degree do so when looking to change careers. However, there’s nothing wrong with going back to school (or going for the first time) online. Online degrees offer a number of flexible benefits for people looking to squeeze schooling in between full-time work and taking care of family.
    For one thing, online degrees often offer more flexible and affordable curriculums. Affordability is an often overlooked but critically important aspect of higher education. Millions of Americans are saddled with tons of student loan debt. The less debt you take on pursuing your degree, the better.

    Why Nursing?

    Nursing is an incredibly popular field for a number of reasons. Firstly, it’s rewarding, real work that keeps people engaged. You help people in the most direct way: by tending to their health. Working as a nurse can be very rewarding and offers a number of career options. Nearly all forms of medical care have need for nurses to work as support staff for doctors, surgeons and specialists.

    Nursing isn’t nearly as specialized or time-consuming to learn as some other medical professions. As such, a larger number of people find nursing an appealing career option. A nurse need not attend medical school for six years the way certain medical professions require. This makes it more likely to appeal to the schedule and budget of the average working American as a degree choice!

    Online Degrees

    Seeking out an online degree can be a very flexible process for busy adults. While nursing degrees are traditional four-year degrees at accredited universities, many offer programs that allow you to squeeze in those credit hours in a shorter amount of time.

    For instance, if you’re dedicated and take on a large course load, you could likely complete a full nursing degree in two years. Even working at a fast but measured pace could see sufficiently talented students acquire a nursing degree in three years.

    However, keep in mind that it can be very difficult to take on such massive amounts of classwork while also juggling your full-time responsibilities. If you have a full-time job or children, consider taking a nursing degree at your own pace.

    Careers in Nursing

    Another big reason why nursing remains an enduringly popular online degree is the wide field of careers such degrees open up. Nurses are needed in nearly all forms of doctor’s office and medical field. Pediatricians, general physicians, surgical wards, specialized clinics and everything in between has need for nursing support staff.

    In short, if you acquire a degree in nursing, you’ll likely encounter no difficulty in finding steady work. Beyond the steadiness, nursing work is engaging: you’ll likely be performing a vast array of tasks, varying in activities and keeping you on your toes.

    Average Pay

    On average, nurses can expect to make around $70,000 per year, depending on their field. Keep in mind, however, that number could vary widely depending on a number of factors. For instance, amount of experience, field of expertise, location and qualifications can all be massive determining factors in salary.

    Nurses can expect to find full-time work more readily than some fields, as well. Such full-time work is likely to include benefits from vacation time, PTO, medical insurance and dental coverage and likely other benefits that vary from employer to employer.


  • Roof Damage? 3 Easy Tricks to Get Insurance to Pay for Your Roof Replacement

    Roof Damage? 3 Easy Tricks to Get Insurance to Pay for Your Roof Replacement

    1 broken shingle = 1 new roof! Here’s how: When one or just a few tiles or shingles are damaged, file an insurance claim. Depending on where you live, most state laws mandate that your insurer must replace the materials in the surrounding areas, however if it is not possible to fix the damage to match the undamaged area, you get a new roof. Win-win!

    Understand the damage

    Do you live in an area that has its fair share of weather? If you think you may be eligible for a free roof replacement, take a moment and evaluate the damage. It doesn’t have to be anything major, just look for things like missing shingles in gutters.

    If your roof is over 10 years old and showing some signs of damage you should take notes and pictures of what you discover. A better idea would be to get some estimates from a consultation with a roofing professional. This will get you a more accurate idea of what you’re facing, and it is usually free!

    Understand your insurance policy

    To understand the appropriate steps you need to take to get your insurance to pay for your roof replacement, contact your agent or look over your homeowner’s insurance policy. If you have major damage that needs to be replaced immediately, contact them right away and submit a claim.

    If there is some damage, but nothing urgent, go ahead and call a roofing professional to give you an estimate and help you with your insurance claim. You’d be surprised by the tips and tricks they know to get your insurance to pay for your roof replacement. The know all the insider information.

    Choose a roofing professional that has experience in insurance roof repair

    It is always a good idea to shop around and explore your options. Always look for a roofer that is licensed and insured. While completing your due diligence on finding a great roofing contractor, make sure that they have the experience it takes to get your insurance to pay for you roof.

    This is something you’ll want to seriously consider, as not all contractors will have the experience or offer guidance when it comes to dealing with your insurance claim. You’ll want to choose a contractor who will be there to help you through every single step along the way. Keep in mind that some may even have insurance adjusters on staff to help streamline the process!


  • He Cut His Motorcycle Insurance IN HALF starting in 2021

    He Cut His Motorcycle Insurance IN HALF starting in 2021

    When it comes to riding on the open road, motorcycle enthusiasts take things seriously. However, a lot of insurance companies don’t treat bikes with that same seriousness, and it seems like they treat their motorcycle insurance as a spin-off of their auto insurance. However, choppers in cars don’t have a lot in common, so why should their insurance policies?

    Your bike is your baby. We get that. No one wants to think about their bike getting banged up, but on the chance it happens, you want to have only the best insurance on your side. You also don’t want to be spending an arm and a leg insuring the thing. To help you make a good call on who you go with for your motorcycle insurance, we’ve broken down a few of the best options on the market today.

    Markel

    When you need your motorcycle insured, it makes you feel a lot better if you’re going to people who specialize in just that. Markel’s been specializing in motorcycle insurance for over 40 years now, and they cover every type of bike, from dirt bikes and scooters to cruisers and touring bikes. Got a big old trike you need insured? They’ve got you. Maybe you’ve got a sport bike or a big twin you need insured? Markel insures it.

    Markel also offers a bunch of ways to get discounts on your policy by taking care of your bike. Since you already take care of your bike, this means you’re likely to get most, if not all, of these discounts. They include things like anti-lock brakes, anti-theft alarms, renewal, safe driver and the like. Essentially, if you’re treating you bike right and taking care of it, you’re going to see a lot of discounts. If you’re looking for the best overall insurance policy to protect you and your bike, Markel’s got what you need.

    Safeco

    If you’re looking to keep the costs down while still getting the best insurance for your bike, you’re looking for Safeco. If you think you haven’t heard of them, that’s probably not the case: they’re in the Liberty Mutual group, so you can trust their reputation. They cover bikes of nearly all varieties, much like Markel, from cruising bikes all the way to moped. Notably, they don’t cover racing bikes or bikes used in competitions.

    The best thing about Safeco, for the discerning customer, is that they offer very inexpensive coverage that helps you keep your peace of mind. You’re not sacrificing good coverage for a low price: they just have good prices. If you’re a Harley Davidson owner, they even offer new bike replacement in the event that your bike gets totaled. That’s a hard deal to pass up!

    Allstate

    If you’re a younger driver, or you’re insuring a younger driver in your house, Allstate is a great insurance company for motorcycles. They offer a few unique programs that make them ideal for younger riders. They have their Allstate Rider Protection Project, a safety training program that helps teach young riders about the safest ways to operate their bikes. This is a huge benefit, as a number of younger riders might not have access to the unique educational resources available through this course.

    Allstate also offers a First-Accident Waiver for motorcycle policies. This means that after your first accident on a motorcycle, they won’t raise your premiums. They also offer a wide variety of discounts for a number of behaviors. There’s discounts for safe driving, multi-policy discounts, discounts for belonging to approved motorcycle associations, and even discounts for completing motorcycle safety courses.


  • World’s BEST Travel Reward Card Luxury Perks

    World’s BEST Travel Reward Card Luxury Perks

    It’s October, a time for frights and things that go bump in the night. But there’s nothing scarier than missing out on great travel rewards because you don’t have the right travel credit card. We’ll review all the details, including bonus offers and travel perks, to bring you a list of the very best travel cards.

    While there are lots of great credit cards for travel out there, the reality is that the best one for you is the one that suits your specific travel needs.

    The Platinum Card® from American Express: Best total value

    The Platinum Card from American Express has some of the best membership benefits of any card, including:
    • Up to $200 in statement credits annually on incidental fees charged by one airline you select
    • Uber VIP status and up to $200 Uber credit split into monthly $15 credits for US rides plus a bonus $20 in December
    • $100 fee credit for Global Entry every five years or an $85 fee credit for TSA PreCheck every four years
    • $100 Saks credit split into two $50 statement credits for the two halves of the year
    • Access to the American Express Global Lounge Collection, which includes Centurion Lounges, Priority Pass, Airspace and Escapes lounges, along with Delta Sky Clubs when flying Delta Air Lines
    • Complimentary Gold status at the Hilton Honors and Marriott Bonvoy loyalty programs
    • Complimentary memberships in Hertz Gold Plus Rewards, Avis Preferred and National Car Rental Emerald Club Executive
    • Access to Amex Fine Hotels & Resorts

    Annual fee: $550

    With a hefty $550 annual fee, most people assume that that the Amex Platinum can only benefit first-class flyers, but that isn’t necessarily the case. In fact, the standard welcome bonus offer for the Amex Platinum is 60,000 points after you spend $5,000 in the first three months. Amex Membership Rewards points are worth 2 cents each, which makes this 60,000-point bonus worth $1,200. That is more than twice the $550 annual fee!

    Yes, the card offers quite a few luxury benefits, but those perks can also make the travel experience easier for families, backpackers and budget travelers. Families can easily take advantage of the $200 airline-fee credit to cover the cost of additional luggage and inflight food, and entertainment to keep kids happy while in the air. Lounge access with hot food and a clean shower can make all the difference after a backpacking trip.

    Chase Sapphire Preferred Card: Best for beginner travelers

    • Earn 2 points per dollar on travel
    • Earn 2 points per dollar on dining
    • Transfer points to 12 travel partners
    • Redeem points for 1.25 cents apiece through the Chase Ultimate Rewards travel portal
    • No foreign transaction fees

    Annual fee: $95

    The Chase Sapphire Preferred is designed to work for those who travel a lot, and for those who don’t travel as often. Win-win! It can benefit both the points and miles expert and the one just starting out. With a $95 annual fee, it’s not an expensive card, which makes it a good choice for a beginner. But since the card earns Ultimate Rewards points, you’ll also find this card goes a long way if you’re an experienced loyalty program whiz looking to get maximum value.

    If you want flexibility in earning and redeeming rewards, this is the best travel credit card around! You will pay no foreign transaction fees when you use your card for purchases made outside the United States. For example, if you spend $5,000 internationally, you would avoid $150 in foreign transaction fees.

    Chase Sapphire Reserve: Best for travel purchases and perks

    • Earn 3 points per dollar on travel (excluding $300 travel credit) and dining at restaurants and 1 point per dollar on everything else
    • Redeem points directly through the Ultimate Rewards travel portal at a rate of 1.5 cents apiece
    • $300 annual travel credit
    • Priority Pass Select lounge access (valued by TPG at $99 annually)
    • Up to $100 Global Entry/TSA PreCheck application fee credit
    • No foreign transaction fees
    • Trip cancellation coverage
    • Primary car rental insurance

    Annual fee: $450

    Many people will balk at the Reserve’s $450 annual fee, and while that’s a valid concern, the $300 annual travel credit drops your real out-of-pocket cost to $150 a year. With the card, you’ll earn 3x points on all travel (excluding the $300 travel credit) and dining purchases worldwide and 1x points on everything else. What’s often not known is just how extensive the bonus categories are — ride-sharing services, food delivery, etc.

    The Sapphire Reserve also includes access to more than 1,200 airport lounges across the world. In addition, you can pay $75 to add each authorized user to your Reserve account, they’ll be able to take advantage of one of the card’s nicest perks!


  • Follow These Tips and Save Big on Your Next Vehicle Purchase

    Follow These Tips and Save Big on Your Next Vehicle Purchase

    Many people list car buying right under “dentist visits” on their list of things they would “rather not” do. But buying a car isn’t the same experience as it was 20, or even 10, years ago. We’re here to share the best tips for getting a great deal on your next vehicle purchase.

    What Kind of Deal?

    The most common types of deals you’ll see for holiday sales are “loyalty cash” and “conquest cash” types of deals. “Loyalty” cash refers to the discount you’ll receive if you already own a vehicle of the same maker as the dealership you’re shopping at. These are fantastic if you’re happy with your vehicle and are looking to upgrade.

    “Conquest cash” is the opposite: when a dealership offers this type of deal, it’s offering extra trade-in value for someone who trades in a vehicle of a different brand. Typically, the idea there is that, once you’re in their kind of car, you’re unlikely to want to switch brands in the future. As such, it’s a conquest.

    Find the Best Deal

    Make sure to do your research on specialty membership and career discounts. For instance, military veterans or personnel often get a discount at car dealerships, and that discount may be even greater around the holidays.

    Similarly, there could be increased discounts for teachers. Dealerships know that teachers don’t make the most money, so any extra discount you can squeeze out of them can go a long way! Another potential discount you should ask about is one for recent college grads. Often, dealerships will want to get recent grads into their ecosystem sooner rather than later, to get them used to the dealership experience.

    Make sure to check the website for the automobile manufacturer you’re looking to make a purchase or lease from. The websites will often list specific discounts they are offering on their vehicles. Measure those benefits against the deals your local dealership is offering. When you take a special dealership promotion, the fine print often notes that by taking their deal you’re forfeiting any and all manufacturer promotions.

    Coming in Armed with Knowledge

    Make sure you know your credit score and get a few quotes on financing before you come in. If you go to credit unions and ask them about what type of financing deals you could get, you’ll have a lot more cards to play when negotiating. Once you know what kind of financing you have on option, it’s much easier to get the dealership to work with you on price.

    The most important thing is putting the ball in the dealership’s court. When you know what the going rate of the car is, what kind of financing you can get and how much discount you can get. It’s on the dealership to offer you a better deal.

    Most importantly, don’t be afraid to walk away if the salesperson isn’t working with you. Don’t settle for a deal you don’t like. Take your money elsewhere!

    Buy or Lease?

    Lastly, you need to really consider whether or not you want to buy or lease your vehicle. There are a few reasons why you might go with either. Buying a vehicle ensures that you’ll have an actual piece of property when you’re done paying for it, meaning you can resell it later to recoup some of the value. Remember, however, that cars aren’t investments, and they only ever lose value over time. Not opting for a bevy of luxury interior options is one easy way to lower the sticker price of your vehicle purchase.

    If you’re just wanting to drive a new car and don’t want very high monthly payments, you can opt for a car lease. A lease allows you to pay less than a new car payment, on average, and still drive around a brand-new vehicle. However, you have to deal with mileage caps (and fees if you go over) and you won’t own the car at the end of the lease.


  • Trouble Sleeping? Try These Life-Changing Natural Sleep Aids!

    Trouble Sleeping? Try These Life-Changing Natural Sleep Aids!

    You’re finding it tough to get to sleep at a reasonable hour. Even when you do manage to get to sleep, you’re finding it difficult staying asleep for the full six to eight hours you need to get good rest. You’re sick of waking up groggy and tired and you’re looking for something to help you get some decent sleep. Well, you’ve come to the right place! Here are some of the best natural sleep aids to help you sleep soundly.

    Natural Sleep Aids

    Almost half of us are sleep deprived – but not because we don’t want to sleep. Sometimes we simply can’t fall asleep or stay asleep due to a range of biological forces and lifestyle choices. You know how it goes: You put your head on the pillow and it appears as though the mind suddenly goes into overdrive.

    Regularly sleeping fewer than seven hours per night increases the risk of developing heart disease, diabetes, unhealthy eating habits that can lead to other chronic illnesses. Increased and better sleep, on the other hand, can lower levels of stress, and improve mental clarity and memory. Improved sleep also affects our immune systems, encourages better eating habits and weight management.

    Meditation for Sleep

    Healthy sleep has more to do with quality of rest than quantity of hours.Sleep meditations help create the inner conditions needed for a truly restful night. Because when we settle the mind, we rest the body—and that restfulness is what makes it easier to wind down and drift off. The mind’s tendency to get caught up in thoughts is perhaps strongest at bedtime, when we suddenly stop and be still. Meditation trains us to be less in our head and more aware of the present moment.

    Most Americans don’t sleep enough, and this can lead to fairly serious mental and physical health problems. Meditation for sleep is a specific, guided experience that offers a natural sleep aid all on its own, allowing us to let go of the day—everything that’s happened and everything that’s been said — so that we can rest the mind while simultaneously resting the body. That’s why using guided meditation apps, such as Headspace as a tool for better, deeper, longer sleep can be a game changer, especially if you’re someone who has insomnia. Try it, it can change your life!

    Exercise

    Our first natural sleep aid is really quite straightforward: get plenty of exercise throughout the day. Nothing can keep you awake quite like being full of restless energy and having no way to burn it off. When you’re feeling restless, anxious and full off too much energy, it’s time to hit the gym and burn those emotions along with some calories.

    Not only will this help you to feel better and burn off some anxiety, it’ll also help you sleep better. Your mental state is likely to improve just from a routine of exercise, along with your physique. When you’re constantly hitting the gym and getting into great shape, you’ll find it much easier to get to sleep and sleep through the night.

    Good Diet

    This one goes hand-in-hand with the exercise step. Get a better diet going! Try to eat bigger meals earlier in the day, and then taper down to a smaller dinner. If you can, try to not eat within four hours of when you’re trying to get to sleep. This keeps you from getting too stimulated before laying down for bed.

    Another thing to look out for is your caffeine intake. Make sure you’re not having caffeine within six hours of when you’re trying to sleep. If you drink energy drinks, stop! Those are terrible for you. Likewise, don’t drink sugary, caffeine-filled sodas all day, either. If you need a pick-me-up in the mornings, black coffee is a fine way to do it, but switch to tea later in the day to taper down your caffeine intake.

    Melatonin Supplement

    Alright, we’re certain you didn’t come to this article for us to tell you “eat better and work out,” so here’s something you might not have tried yet. Melatonin is a hormone your body creates when it’s later in the day and it’s time to get ready for bed. Often, insomnia is caused by a lack of this hormone in the body, so supplements can help regulate healthy sleep.

    Melatonin is also great for those who have to sleep during the daytime for work. While we don’t recommend shift work like this, it’s often hard to choose one’s own schedule. If you have to sleep during the day and work at night, melatonin supplements are a great way to pull that off.


  • The Ultimate Software Essentials For Every New Business

    The Ultimate Software Essentials For Every New Business

    Starting a new business can be tough. As a startup business owner, it’s crucial to discover the software solutions tools that can save you time and make your job easier. We’ve outlined the most essential new business software solutions of 2019.

    HR Software

    Whether you’re a Fortune 500 company or a start-up looking to make your first hire, modern-day HR solutions have never been more vital to businesses. Due to the ever-growing complexities of running a business in the last decade HR software has practically reinvented itself.

    While it can be tempting to outsource all aspects of your business with HR Software, it may not always be necessary. You should especially take this into consideration when pricing comes into play. Not all HR Software companies offer a complete package at one price. For example, Bamboo HR ups their prices for companies that run payroll with them by $4 per employee and $25 per month.

    Essential Accounting Software

    Keeping a close eye on your books is especially important when you first open your business. Having the right software solution in place can make this difficult task more straight forward and organized.

    The streamlined, seamless and easy-to-use Freshbooks software is one of the top picks for accounting software. Whether you’re running a large business or a small one, Freshbooks as an accounting suite is a strong choice. You can easily set up recurring invoices to pay out to various contractors, record your expenses easily and import to other software in a flash. The dashboard makes it easy to find what you’re looking for, while the easy-to-navigate menus and options make it impossible to get lost. Accounting can be quite difficult, but Freshbooks takes a lot of the difficulty out of the equation! Pricing for this software starts at $15 per month.

    Capeable Cloud Security and Storage

    There are a ton of great options when it comes to cloud storage! Many of them are free, but some offer some interesting paid features. If you have a lot of storage needs, whether it be for business or personal use, consider these great options for cloud storage!

    Microsoft’s answer to cloud storage is a great platform. Windows users have access to it as just another computer directory! It’s simple to access and offers 5GB of storage free to anyone. Just like Google Drive works closely with Google Office Suite, OneDrive works with Microsoft Office. If you commonly use Microsoft Word, PowerPoint and the like, OneDrive is a great option for you.

    If you decide to sign up for an Office 365 subscription Microsoft will reward you with an extra terabyte of storage on your OneDrive account. OneDrive for Business grants access to both storage and Microsoft Office. It’s just under $9 per person per month, which is actually a pretty good rate! If you already use a lot of Microsoft’s Office Suite, OneDrive is for you!

    Inventory Management Software

    Is your new startup going to require a large amount of inventory? If so, a comprehensive inventory management solution may be an essential piece of software for your business. Whatever solution you choose, it’s important that it’s capable of expanding with your business.
    Boxstorm, part of the Fishbowl inventory management system, allows you to track the cost of each item from the time it’s purchased to the time it’s sold. It allows you to have a real-time value of your existing assets. Ensuring your product gets from point A to point B is a core function of any business.
    Boxstorm can interface with multiple shipping solutions. It allows you the freedom to choose the solution that fits you best. They accommodate a wide variety of e-commerce solutions like WooCommerce, Shopify, Magento and Salesforce.


  • Is Medicare Supplement Plan F Being Discontinued?

    Is Medicare Supplement Plan F Being Discontinued?

    Plan F covers more costs than any other Medigap policy and is the most comprehensive of the standardized Medicare Supplement plans available in most states. But these plans might not be sold after 2020…

    Medicare Supplement Plan F is a specific type of Medicare Supplement (also called Medigap) plan. This type of insurance can help pay for out-of-pocket costs of Medicare Part A and Part B. These costs might be coinsurance, copayments, or deductibles.

    Plan F covers more Medicare expenses than any other supplement plan. Medicare Part A and Part B make up the federal government’s Original Medicare program. Medicare Supplement plans are also named with letters, such as Plan F, but they are not the same thing.

    Plan F: Who is it for?

    – People on a fixed income: When your deductibles and most cost-sharing expenses are covered, your out-of-pocket costs may be more predictable.
    – International travelers: Plan F may cover most of your health care costs while traveling abroad.
    – People expecting high health care costs: Plan F’s higher premiums may be worth it for those with a lot of medical expenses to cover.

    Here’s what Medicare Supplement Plan F may cover:

    – Inpatient hospital costs and coinsurance under Medicare Part A for an additional 365 days after Medicare coverage runs out
    – Coinsurance for skilled nursing care facilities
    – Medicare Part B coinsurance/copayments
    – Part A deductible
    – Part B deductible
    – Limited emergency medical care overseas (80% up to plan limits)
    – Hospice care coinsurance/copayments under Part A
    – First three pints of blood
    – Part B excess charges (the amount a doctor is legally allowed to charge beyond the Medicare-approved amount for a medical service)

    Is Medicare Supplement Plan F being discontinued?

    Apparently so, for some people. According to congress.gov, starting in 2020, Medicare Supplement plans that pay the Medicare Part B deductible will no longer be sold to those newly eligible.

    – If you already have Medicare Supplement Plan F (or Plan C, which also covers the Part B deductible), you can generally keep it.
    – If you were eligible for Medicare before January 1, 2020, you may be able to buy Medicare Supplement Plan F or Plan C.
    – If you qualify for Medicare on January 1, 2020 or later, you may not be able to buy Medicare Supplement Plan F or Plan C.

    Is there another Medicare Supplement plan that may be comparable?

    Plan F offers the most comprehensive Medigap coverage available, so it’s not a surprise that it’s the most popular plan nationwide. Lately, however, Plan G has been giving F a run for its money—especially since Plan F will soon be phased out. The only thing F covers that G doesn’t is the Part B deductible ($185 in 2019), but Plan G’s lower premiums may make up the difference.

    If you become eligible for Medicare in 2020 or later, although you may not be able to buy Medicare Supplement Plan F or Plan C, you may be able to buy a very similar plan. Medicare Supplement Plan G generally has the same basic benefits as Plan F, except for the Part B deductible. So, you might want to look into Plan G.