|A Acadian Assurance Inc/ Brad Thibodaux and Associates Inc
12605 S. Harrell’s Ferry Rd.
Baton Rouge, LA
Are You Making These Insurance Blunders?
When it comes to buying insurance, what you don’t know can hurt you…and your family…for years to come.
Learn how to identify the top ten insurance mistakes and what you can do about them with my free guide, “The Top 10 Insurance Blunders – and How to Avoid Them.”
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Recipe: Warm Shredded Beets
2 tablespoons butter
2 large beets, shredded (about 4 cups)
2 tablespoons lemon juice
1½ teaspoons salt
½ cup water
1 tablespoon flour
Pepper, to taste
Sour cream and parsley, optional
Heat butter in a large saute pan and add the beets, lemon juice, salt and water.
Cover and simmer for 15 minutes, stirring occasionally.
Sprinkle the beets with the flour and salt, but do not stir.
Cover and cook for another five minutes.
Add pepper to taste.
Serve with sour cream and chopped parsley.
Here are some famous quotes about the heart:
“Throw your heart over the fence and the rest will follow.”
Norman Vincent Peale
“If we have the opportunity to be generous with our hearts, ourselves, we have no idea of the depth and breadth of love’s reach.”
A Sense of Security in Volatile Times
How much would you pay for a sense of security?
After years of stock market gyrations, many investors are finding products that provide a measure of safety appealing.
Security can never be purchased or guaranteed in investing, of course, but many investors want the next-best thing, which is a sense that they’ve made choices that work for them over the long term. And one of those choices may be purchasing an annuity.
Fixed annuities are just one type of annuity and are contracts with insurance companies. They can be purchased with a lump-sum payment (often most of the annuitant’s cash-equivalent savings), or they can be paid for on a periodic basis.
The money that is invested in the annuity is guaranteed to earn a fixed rate of return throughout the accumulation phase of the annuity. When they pay out, they do so until the death of the annuity holder, called the annuitant (in the case of life annuities), or until the annuity term expires (in the case of term-certain annuities).
As a result, fixed annuities are often used by people who are about to retire or have retired and need help stabilizing income from their investments.
There are advantages and disadvantages to purchasing a fixed annuity, as is the case with all investments. There are also other types of more modern annuities that will outperform any directly invested money in the stock market or through a 401k.
Moreover, there are many options that, for a fee, can be added to a basic fixed annuity. We offer dozens of investments products that have no fees and your money is NEVER at risk and we still outperform the stock market.
As a result, if you’re considering making an investment decision in the near future, it’s best to meet with a financial adviser to discuss your individual financial circumstances and options.
How to Prepare and Pack a Fun and Healthy Lunch
Remember the endless stream of peanut butter and jelly sandwiches from school lunches gone by? No wonder we traded with our friends.
These days, school lunches are much more fun, nutritious and easy to prepare. Increasingly, both adults and children are carrying lunchboxes with compartments for hot and cold foods, and thermoses of soup and drinkable yogurt for digestion. They get protein from cheese, fish and meat.
And thanks to a recent dictum from nutritionists, we’re encouraged to feed our children what they like, ensuring that they’ll actually eat their lunches. As a bonus, it can also be healthier and less expensive to pack a lunch.
For many, leftovers are the answer. If your children loved last night’s dinner – be it burritos, macaroni and cheese, or a curry dish – feel free to recycle it as lunch. Add a serving of fruit and milk or vegetable juice. It’s easy and there will be no leftovers to turn green in the back of the fridge.
It works for adults, too. According to netdoctor.co.uk, most of us take less than 19 minutes for lunch and almost half of us eat at our desk. Lunch totes have now replaced the brown bags in our briefcases, and we, too, are taking leftovers to work. After all, who wouldn’t prefer a hot lunch to a plastic-wrapped sandwich? As well as chili and stews, casseroles are better the second day and reheat perfectly. Children – and some taste-challenged adults – love cold pizza.
Healthy lunches mean healthy bodies and healthy minds. They also mean no more trading with friends.
Plans for Golden Years Should Include Cost of Care
The talk of growing old together can be a romantic thought. Spending a lifetime with someone you love is wonderful.
But as the years progress, there will likely be a need for long-term care for one or both partners – whether it is acute skilled nursing care or just assistance with basic daily living activities such as bathing and getting dressed.
Today’s costs for care have skyrocketed, with the average annual cost for a private room in a nursing home standing at nearly $78,000 in 2011.
This expense can deplete a large chunk of retirement assets, taking with it the peace of mind and security that many couples save for all their lives. It’s a real problem, considering the likelihood that more than 40% of those over 65 will need care at some point in their lives.
What many people don’t realize is that government programs like Medicare and Medicaid were not designed to pay for the ongoing cost of long-term care. Both programs require that people meet very strict health and/or financial criteria to even qualify for coverage – and the benefits that are received may be limited, at best.
However, there is a solution available for covering some or all of the high cost of long-term care. Long-term-care insurance, once available to pay only for services that were received in a skilled nursing facility, now pays for care received in the recipient’s home as well.
In fact, in some respects, having a long-term-care insurance policy could even allow individuals to stay home for longer periods of time.
Today, there are many benefit options to choose from with long-term-care insurance policies. But prior to choosing a plan, it is important to have a good idea of an applicant’s income, savings and other expenses as well as age and current health status.
In addition, some policies even allow discounts on premiums for married couples that apply for coverage at the same time. All of these factors combined will help in determining which type of policy will be most suitable.