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~Alex Hastings~
Hastings Insurance Solutions LLC
~Guide One~

2435 Kimberly Road
Suite #100N
Bettendorf IA 52722
563-355-0262 Office
641-494-9494 Cell
855-355-0262 Fax
ExpertInsuranceSolutions@gmail.com
www.HastingsInsuranceSolutions.com
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Are You Making Any of These Top 10 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."

Just reply to this email and I'll send it right out to you.


Quick Quiz

Each month I'll give you a new question.

Just reply to this email for the answer.

The Matterhorn is on the border of what two countries?
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Recipe: Honey Orange Lamb Chops

The perfect recipe for national honey month!

Serves 4
  • 1 tablespoon vegetable oil
  • 4 lamb chops, about 3/4 inches thick
  • 1/2 cup orange juice
  • 1 tablespoon lemon juice
  • 1/2 teaspoon dried tarragon
  • 2 tablespoons honey
  • 1/2 teaspoon salt
  • Freshly ground black pepper
  • 1 teaspoon Dijon mustard

Directions

Heat oil in a 12-inch skillet, add lamb chops and cook for about five minutes on each side. Remove the chops to a platter.

Add the next three ingredients to the skillet and scrape up any brown bits stuck to the bottom. Bring to a boil and reduce to about half for about three minutes. Reduce heat to low and add honey, salt, pepper and mustard.

Mix thoroughly, then return chops to skillet and heat through.

Worth Quoting

This month, some famous quotes on the topic of travel:

The world is a book, and those who do not travel read only a page.

St. Augustine

I travel not to go anywhere, but to go. I travel for travel's sake. The great affair is to move.

Robert Louis Stevenson

When preparing to travel, lay out all your clothes and all your money. Then take half the clothes and twice the money.

Susan Heller

Thanks to the Interstate Highway System, it is now possible to travel across the country from coast to coast without seeing anything.

Charles Kuralt

No one realizes how beautiful it is to travel until he comes home and rests his head on his old, familiar pillow.

Lin Yutang

Travel and change of place impart new vigor to the mind.

Seneca


 
~Attn. Alex is on Vacation For a couple weeks Following 9/4/13, Though remotely available 24/7 Your patience is appreciated~

Three Auto Insurance Facts That Might Surprise You

Even savvy car insurance customers might not be aware of all the little-known facts about car insurance claims and coverage.

  1. Your insurance policy will probably cover you while you are in Canada. Driving in Canada is rarely discussed when purchasing auto insurance. Thankfully though, most insurance companies extend your same policy's coverage while north of the border. You may contact your carrier well in advance so they can give you a Canadian insurance card that complies with their regulations.

  2. Your insurance policy will probably NOT cover you in Mexico. However, some companies will allow your policy to cover you up to a certain number of miles even after venturing beyond the border, but you definitely need to check first as this varies from insurer to insurer. Additionally, if you need to drive into Mexico more than your insurance company will allow, often companies will have an endorsement you can add to do so.

  3. Rear-end accidents are not automatically charged to the person in back. Many people believe when a ?back-end' or rear accident happens, it's always the fault of the person in the back. While this might be true in the majority of cases, it's not always true. What if there were a person backing up in the street and hit the front end of someone who was parked or completely stopped?
When it comes to insurance, ignorance certainly isn't bliss. In situations like these, you'll often realize the implications of your insurance choices or lack of knowledge about your auto insurance far too late and only after something happens.  
Time to Get Ready for Next Year's Healthcare Changes
As 2014 approaches, the Affordable Care Act (ACA) will bring many changes not only for American citizens, but also for doctors and insurance companies.

How it Impacts You

If you already have health insurance, 2014 will proceed normally. If you don't purchase health insurance, you could incur a penalty. If you purchase health insurance through a state exchange, you may qualify for a federal subsidy if your income is less than 400 percent of the federal poverty level. That's around $43,000 per year for singles, and $92,000 for families. There are two types of subsidies:

Premium Assistance Tax Credit: These reduce the amount you pay for healthcare through tax credits. The amount is determined by a sliding scale based on income.

Cost-Sharing Assistance: This subsidy lowers your out of pocket cap based on your income.

How it Impacts Doctors

Primary care will be the focus in 2014. Financial incentives will be offered to primary-care doctors. Overall, medical facilities will be pressured to keep practices cost effective while encouraging patient health. Funds have also been dedicated to healthcare innovation studies.

How it Impacts Insurance Companies

Insurance companies can no longer deny citizens with pre-existing conditions healthcare or charge higher premiums. Lifetime limits are banned and insurance companies must spend 80 percent of premiums on actual medical care. High-dollar advertising budgets and administrative costs will feel the crunch, but it also means lower premiums for you.
Good News Effective 10/1/13; Your 1/2014 and future options will be clarified for all IOWA residents though Hastings Insurance Solutions llc. And our continued support to our clients. There will be an Easy to follow Link-Website available to build and price and buy your New policy should you choose to do so. More details will be available after 10/1/2013

Why Retweeting May Necessitate a Retwaction

EmbarrassedThey say "Googling before you type is the new think before you speak" - a relevant reminder in a social climate where we quickly like or share Web material.

Arguably, the rule to think before you speak is most pertinent when it comes to Twitter. In the entire sea of social media, Twitter represents the most challenging can of worms. Whereas other social networks offer a private network of contacts and limit what can be shared outside that network, Twitter offers no such parameters. With Twitter, once you say something, it's out there for the world to see and share. It's the proverbial game of telephone for the digital generation.

Just as in the game of telephone, Twitter users can modify a tweet before retweeting it. Though this is premised with "MT" (meaning "modified tweet"), the entire meaning of a message can change with only a few minor modifications. What you initially said might not be what someone five times removed is retweeting, and you are credited as the source - even be it with an "MT" stamp.

Enter Retwact. This Web-based service helps people write and share corrections on Twitter. The platform lets users view reshared tweets and offers a series of recourse options for retractions. Users can either (1) write a retraction tweet, or (2) send an #RTRetract hashtag via the Retwact Twitter account to all original retweeters. Retractions are easily made and clarification is simplified in unison with a side-by-side tweet of the original and corrected tweet.


Give Your Child a Great Start With a New-Look Bedroom

Child BedroomA new school year can both frighten and thrill children. Help them cope with changes out of their control by involving them in a change they can control: decorating their bedroom.

Treat your child's room with as much care as you gave their nursery. And now that they've left the crib, let them help decide how "their space" will look. Give them design books and magazines. Look at paint chips, wallpaper and fabrics together. Pay attention to their interests - they may inspire accents and decorations. Old records can become decals on the wall; sports equipment can become places to hang uniforms. Have fun together. Sure, you may send them to their room later for punishment, but that doesn't mean re-decorating has to be a chore.

It may be their room, but it is still your house. Do your own research, and not just about budgets. A new coat of paint provides the most economic decorating change. Stick to two or three colors and avoid paints with volatile organic compounds. Pick colors that will encourage learning and relaxation - while black walls may be a teenager's dream and a parent's nightmare, some decorators consider it classy. Give your children a space to play and be kids. Consider banning, or at least limiting, electronic devices. If your child has special needs, ask an educator or therapist about what play equipment is best for them.

Finally, relax. Your child needs a good home more than a room - and that begins with you.


Warning! Letting Your Policy Lapse Could Cost You

We've all had moments when we kick ourselves for forgetting something. You get home from the market and realize you've forgotten one ingredient for dinner. You've forgotten your sister's birthday or the annual company picnic. Normally, you can recover from these momentary memory lapses, but no matter what, don't forget to pay your insurance premium on time! That's one lapse that could cost you.

Most home, auto, and PC policies contain no grace period. Even if you're a single day late, the insurance company could choose not to accept your payment and cancel your insurance policy. In most states, it's illegal to be uninsured. In addition to possible legal fees, there are other repercussions.

The Risks of a Lapsed Policy

Whether a lapse is intentional or not, it's not worth the risk. Any lapse in an insurance policy can place you in a much higher risk bracket, especially if it's been 30 days or longer. Once you reapply for insurance, your rates could be raised drastically for the same amount of coverage. And you have to consider Murphy's Law: only once you're uninsured will you get into an accident.

You're still personally liable for the damages if you caused the crash and your out-of-pocket costs can be devastating.

If necessary, consider an automatic draft from your bank account. Just be diligent in notifying the insurance company if there's any change with your card. Losing your policy because your card was lost is no excuse.

Preventing Insurance Lapses

There may be multiple reasons to avoid paying your insurance bill, but none is worth the long-term consequences. Stick to a budget that allows for your insurance payments and set up email reminders for bill payments. Paying your insurance bill is essential to maintaining coverage and affordable rates, and if you have to tie a string around your finger to remind yourself to check your insurance bill is paid each month, do it, because the alternative is not one you want.
 

This newsletter and any information contained herein are intended for general informational purposes only and should not be construed as legal, financial or medical advice. The publisher takes great efforts to ensure the accuracy of information contained in this newsletter. However, we will not be responsible at any time for any errors or omissions or any damages, howsoever caused, that result from its use. Seek competent professional advice and/or legal counsel with respect to any matter discussed or published in this newsletter.
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NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
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