Pre-paid Funerals are NOT a good idea!

Say "NO" to pre-paid funerals and why you should consider a "Final Expense" policy instead! With a pre-paid funeral, there will always be potential for or fear of someone embezzling your funds, the funeral home is the beneficiary of the policy (not your family), there is always the chance that some services will not be covered, what if your plans change and now you wish to be buried at another location. The BEST choice is a "Final Expense" whole life insurance policy that will settle all the above concerns and pay directly to whomever YOU choose as a beneficiary. The CONTROL remains with YOU, not a funeral home or funeral director. Call Matt Skiba today at 734-395-5425 or 989-941-6808.

Life Insurance "A Legacy of Love"

Watch and listen to this video message, it should cause you to reflect on the inevitable...your death and your family.  Every responsible person should be asking themselves if they have the "RIGHT" type of life insurance and the "RIGHT SIZE" amount of DEATH BENEFIT should they die before retirement.  At the very least this video should confirm how important your choice is as a "Responsible Individual or Family Person", and you should know the importance too of working closely with a professional and sincere agent. You have found that agent with Matt Skiba. I hope that you all take the 2.01 minutes to see and hear this powerful message.

https://www.youtube.com/watch?feature=player_embedded&v=ZKHftmGWoEM

When is the last time you have had your "Life Insurance" policy reviewed? Are you aware that in 2009, the mortality tables were changed due to fact that men and women are living longer lives? I review existing life insurance policies on a regular basis. How long have you had your policy? Have your goals changed? Has your family size changed? Has your income changed? Do you love your family enough to do what is right today, so that they can be better protected in the future?

Life Insurance: no longer just a death benefit

Life Insurance: no longer just a death benefit.  NEW POLICIES from very well established companies have revolutionized the industry with hybrid policies.  These hybrid policies HAVE EXCEPTIONAL LIVING BENEFITS, a mixture of Long-Term Care and a Death Benefit.  Stand alone Long-Term Care policies still have their place in our society, however if you have such a policy you may be paying too much for limited care with NO PROMISE you will ever recoup your investment.   Living longer is not always synonymous with living better.  The facts show that: 70% of people over age 65 will need some form of Long-Term Care with the average length of care when needed over 1 year is care needed for 3.9 years.  Compare what you MAY have with your current Life Insurance Policy to what you MAY be missing.  If you have both a current life insurance policy AND a long-term care policy...what are your premiums compared to your benefits AND think of the money lost if you are in that 30% group that will never have a need for long-term care.  As smart investors and shoppers, we have compared products for investment and purchase every day of our lives, why stop with the MOST IMPORTANT product...your life? 
Call me for FREE comparisons at: 1-734-395-5425 or 1-989-941-6808.

https://www.youtube.com/watch?feature=player_embedded&v=ZKHftmGWoEM

Just because you have a retirement account, should not mean you can afford to stop investing or investigating new opportunities.

Many people share with me the following saying that they "have a financial advisor", or another "I have a trust set up already".  While both of these statements by themselves can be true, they are not "FINANCIALLY WISE" summaries, just as "I have a ___?____ so I don't need another" is equally blind of advances within the ____?_____  (whatever category you chose) industry.

I can offer new life to your retirement. 

Give me a call to schedule your opportunity @ 734-395-5425.

The excerpt below is taken in part from: http://www.huffingtonpost.com/2014/06/07/retirement-around-the-world_n_5406016.html?utm_hp_ref=business&ir=Business

Global Gloom About Retirement Prospects
Taken as a whole, the world is pretty darn gloomy about retirement prospects.

Over half of respondents (53 percent) expect future generations of retirees to be worse off than those currently in retirement; 34 percent of employees are pessimistic about have enough money to live on in retirement; just 19 percent of employees are confident they’ll be able to retire with a lifestyle they consider to be comfortable and only 16 percent of current employees expect to be better off in retirement than current retirees.

FREE Medicare Supplement Assistance

Everyone age 65 and older, and having both Medicare part A and part B, should have a Medicare Supplement to pay 100% of their hospital and/or doctor bills.

I am licensed by the States of MI & AL and appointed by the best companies in those States to assist you in finding and acquiring your BEST Medicare Supplement for your needs, and your budget.

I am also able to package these with up to $30,000.00 returned to your beneficiaries.

For more information: please call Matt Skiba direct at 1-734-395-5425.

I look forward to speaking with you.  - Matt Skiba

“Ladies, It’s Time to Talk Finances

“Saw this deal and thought of you.”

As a man, I can appreciate when my friends tell me about a great restaurant they’ve just ate at and that I’ve got to try, or when the next car show is.  It means someone I know saw something that made them think of me, and they thought enough of me to tell me about it, that’s what friends do…right? 

Did you know that 92% of women are likely to pass along a good deal to other women too?  See, we are not so different and definitely not from Mars.   That statistic did get me to wonder.  Do women talk about finances with their friends?  Do women share things like “I made a plan for my financial future, and I thought of you!” Do your friends feel you have it all together and therefore don’t need financial advice?  Is it because they don’t want to seem nosey or overbearing?  Or, are they really from Venus?

Or is it just because women don’t like to talk about this kind of stuff?

The reality is that women DO need to think about their financial futures. When you consider that women are statically more likely to outlive their husbands, and the sad statistic that 50% of all marriages end in divorce, and that it is usually the daughters that serve as caregivers to aging parents, the sense of urgency should send women in droves to financial professionals like me!

So ladies, think about where you are with your finances, where your parents are with their long term care solutions.  Could you use some assistance?  Do you have it all together and have advice for others?  Will you be that friend that will experience the help of financial professional “Matt Skiba” and then share your experience with others?  The average woman has 171 contacts in her email and mobile lists.   Reach out!  Tell your friends and family that you care.

Contact Matt Skiba today.  I look forward to hearing from you soon.

Matt Skiba, Licensed Agent in the State of MI and AL

For All of Your Health, Life, and Retirement Income Solutions

Estate Preservation Agency, Brighton, MI

Website)  www.DreamingOfRetirement.com

Email)  NextStep@DreamingOfRetirement.com

Direct)  734-395-5425

 

Get the basics on Fixed Index Annuities

Hi everyone,
I've placed a link here to a youtube video that really does a great job at explaining annuities.  Fixed Index Annuities are in my opinion the BEST investment option in the last 20 years.  Allow me the privilege of your time and I'll offer you a few choices that you'll surely appreciate.  Contact me directly at: 1-734-395-5425 to schedule your FREE consult.  I look forward to speaking with you soon.  - Matt Skiba

https://www.youtube.com/watch?v=BS3B2Ins4GI

Dependents Turning 26, and Needing Individual Health Insurance

The Affordable Care Act does allow parents to cover their children on the parents’ health insurance policy through the child’s age of 25 whether they are: students, non-students, married or single. 

Once the child turns age 26, the child is required to have & carry their own individual policy.  For a free quote covering all 13 different ‘QUALIFIED’ policy options and rates, contact Matt Skiba by phone 734-395-5425 to schedule an appointment, or by email: NextStep@DreamingOfRetirement.com with the words ‘Qualified Rate Quotes Please’ in the subject line.

Remember: waiting until you are sick or in a serious condition and needing medical attention does not create a qualifying event to get you coverage. 

You will only have a 30 day window after your 26th birthday to apply, or risk waiting until the annual fall open enrollment with an effective date starting the next January at the earliest.

Be prepared, stay covered, get your own personalized health insurance before its too late.

Call Matt Skiba, State of MI & AL Licensed Agent

For All of Your Health, Life, and Retirement Income Solutions

Estate Preservation Agency, Brighton, MI

Website)  www.DreamingOfRetirement.com

Email)  NextStep@DreamingOfRetirement.com

Direct)  1-734-395-5425

I look forward to hearing from you.  - Matt Skiba

There is still time to get a Qualified Major Medical Plan and have a 2014 Effective Date, but you must hurry.

The Open Enrollment Deadline for a Feb 2014 Effective Date has passed.

The Open Enrollment period for a March 1st 2014 Effective Date is open from 01/16/2014 to 02/15/2014.

Call State of Michigan Licensed Agent Matt Skiba for personal assistance in understanding and applying for your coverage.  My direct office number is 734-395-5425.

Having Trouble Signing Up for Health Insurance on the Government Website?

Wait No More…

Call our expert “Matt Skiba” for FREE in-person help understanding the ‘ObamaCare’ QUALIFIED insurance plans for 2014 and beyond.

All of the plans that Matt Skiba will show you are GUARANTEED to be ISSUED.  That's correct; there are no pre-existing condition clauses to worry about.  The application is simple, no lines, no waiting, and most importantly there are NO health questions.

Don't miss this FREE opportunity.  Call Matt Skiba today!

Matt Skiba, State of Michigan Licensed Agent
Estate Preservation Agency, Brighton, MI
For All of Your Health, Life and Retirement Income Solutions
Website) www.DreamingOfRetirement.com
Blog) http://dreamingofretirement.blogspot.com/
Email) NextStep@DreamingOfRetirement.com
Direct) 1-734-395-5425  or  1-989-941-6808
 I look forward to talking with you.  -Matt Skiba

My facebook business posting link.

http://www.facebook.com/no.risk.retirement.investment.solutions

MEDICARE ADVANTAGE Disenrollment Period Continues thru February 14, 2014

That is correct;
this will be the last chance you will have to return to Original Medicare and still have a 2014 effective date.  The disenrollment period is from Jan 1, 2014 to Feb 14, 2014.  If you miss this opportunity, you will have to wait for the 2014 fall “Open Enrollment” and you will then have a January 1, 2015 effective date.
Make your move back to Original Medicare while you still can.
Don’t leave yourself limited to a Medicare Advantage network, return to Original Medicare during this disenrollment period and you will have the freedom to choose any doctor, and visit any hospital in any State that accepts Medicare. 
Take back your control by calling your preferred agent: Matt Skiba at 734-395-5425. 
Ask Matt Skiba which Medicare Supplement Plan is right for you.

Call Matt Skiba, State of Michigan Licensed Agent
Estate Preservation Agency, Brighton, MI
For All of Your Health, Life and Retirement Income Solutions
Direct)  734-395-5425  or   989-941-6808
Website)  www.DreamingOfRetirement.com
Blog)  http://dreamingofretirement.blogspot.com/
Email)  NextStep@DreamingOfRetirement.com
I look forward to speaking with you.  –Matt Skiba

Learn How to "Protect Your Annuity" during my one hour class

Protect Your Annuity – Not all annuities are the same, but they ALL need to be protected.  Learn briefly the different types of annuities and the ONE way to protect them all.  You worked hard for your retirement, now help guarantee that your money will be there when you need it.  All classes will be held at the Dexter Community Schools.  One class offered in Jan 2014, one class in Feb 2014, and one class in March 2014.  Contact the Instructor Matt Skiba, State of Michigan Licensed Agent with Estate Preservation Agency of Brighton, MI by phone 734-395-5425 or email "NextStep@DreamingOfRetirement.com for more details.  

Pension Maximization

Attention all current working TEACHERS in the State of MI or any current employee expecting to receive a pension from the Office of Retirement Services that live in the State of MI.  During the months of Jan, Feb, and March of 2014 I will be instructing one, one hour class each month on how to retire with more cash in your pocket, potentially thousands more and with tax protection.  To find out how to pre-register with "Dexter Community Education" contact the Instructor "Matt Skiba" with Estate Preservation Agency, Brighton, MI at 1-734-395-5425, or by email at: NextStep@DreamingOfRetirement.com.  All classes will be held at the Dexter Community Schools.

The Open Enrollment Deadline for a Jan 2014 effective date has passed.

See the effective date schedule below for online enrollment:

From 12/26/2013 to 01/15/2014 for a February 01, 2014 Start Date,

From 01/16/2014 to 02/15/2014 for a March 01,2014 Start Date,

From 02/16/2014 to 03/15/2014 for a April 01, 2014 Start Date,

From 03/16/2014 to 03/31/2014 for a May 01, 2014 Start Date.

The deadline for a January 2014 Start Date has passed.

 

** If you miss this opportunity to apply for health insurance, you will NOT be allowed to purchase again until October 15 – December 7, 2014 which will be the annual “Open Enrollment” period starting in 2014.

** Even if you currently have a qualified plan for 2014 and beyond, you can still make changes to one of these “Health Plus” plans during this extended “Open Enrollment” period. Remember to select "See All Available Plans", and if you have any questions please feel free to call: 1-734-395-5425.

** Waiting until you are sick or in need to "purchase" insurance, does NOT create a qualifying event.  Waiting may mean that you will pay out of pocket for all expenses even catastrophic.  Don't delay, apply today!

Thank you and I look forward to helping you further with all of your health care and no-risk retirement solutions.

Matt Skiba, State of Michigan Licensed Agent

Estate Preservation Agency, Brighton, MI

For All of Your Health, Life, and Retirement Solutions

Direct) 1-734-395-5425

www.DreamingOfRetirement.com

NextStep@DreamingOfRetirement.com

 

Losing Your Major Medical Insurance due to the Affordable Care Act?

 

To find qualified “major medical” insurance plans for an individual, or a family, use the link below to view available plans from "Health Plus of Michigan".   Once you've identified a plan that you like, just use the "Apply" button and complete the online application.  It is simple, no lines, no waiting, and most importantly there are NO health questions.  That's correct; there are no pre-existing condition clauses to worry about.  All of the plans designed by the Affordable Care Act and Health Care Reform are GUARANTEED ISSUE.  Because of “Guaranteed Issue”, even employers are seeing the value of switching to “individual” or “family” plans that are portable ie…NO MORE COBRA plans.  Again, just click on the link below, locate the best plan for you and or your family, click on the apply button and complete the application.  Here is that link:

https://healthplus.healthinsurance-asp.com/healthplus/ClearWorkspace.action?nextAction=/user/URLDecryptAction.action&refID=2ixxbhtcv9mvh95bh66luz366pbp0fizne3ql3i9jirf17jdav

The timing of your online application will determine your “Effective Date”.  See the effective date schedule below for online enrollment:

Until December 23, 2013 for a January 01, 2014 Start Date,

From 12/26/2013  to  01/15/2014  for a February 01, 2014 Start Date,

From 01/16/2014  to  02/15/2014  for a March 01,2014 Start Date,

From 02/16/2014  to  03/15/2014  for a April 01, 2014 Start Date,

From 03/16/2014  to  03/31/2014  for a May 01, 2014 Start Date.

** If you miss this opportunity to apply for health insurance, you will NOT be allowed to purchase again until October 15 – December 7, 2014 which will be the annual “Open Enrollment” period starting in 2014.

** Even if you currently have a qualified plan for 2014 and beyond, you can still make changes to one of these “Health Plus” plans during this extended “Open Enrollment” period.

Remember to select "See All Available Plans", and if you have any questions please feel free to call: 1-734-395-5425.  Thank you and I look forward to helping you further with all of your health care and no-risk retirement solutions. 

Matt Skiba, State of Michigan Licensed Agent

Estate Preservation Agency, Brighton, MI

For All of Your Health and Retirement Solutions

Direct) 1-734-395-5425

www.DreamingOfRetirement.com

NextStep@DreamingOfRetirement.com

GM - Decision time nears for GM, Ford retirees on lump sum offer

Put a pile of money on the table before thousands of retirees from two major carmakers. Will they grab it or stick with a regular monthly check?

Some white-collar General Motors retirees have until July 20 to decide if they want a payout of $300,000 or $500,000 or so. Some experts say offers to blue-collar retirees could be next.

Warning: This could be the start of something new for retirees across the country.

Financial advisers everywhere are watching how a significant lump-sum payout deal plays out with two big carmakers. Pension experts caution that many retirement-plan sponsors could be dangling lump-sum payouts in years ahead. The rules involving how lump-sum payouts could be calculated changed in 2012 — and some say employers could have more incentives down the road to limit their risks associated with managing pension plans.

Click here for full story:  http://www.coshoctontribune.com/article/C4/20120712/COL07/207120482/Susan-Tompor-Decision-time-nears-for-GM-Ford-retirees-on-lump-sum-offer 

To visit my website and request a personal and private review of your choices beyond what has been offered, click on the following link: www.DreamingOfRetirement.com.

GM: GM salaried retirees still protesting pension shift

GM's decision to terminate its salaried pensions and transfer them has drawn anger from many retirees  and some have threatened to stop buying GM vehicles.

Jim Shepherd, the General Motors Retiree Association president, wrote GM chairman and CEO Dan Akerson this month questioning the move, and noting that retirees would lose the protection of the Pension Benefit Guaranty Corp. - the government's pension insurer - along with federal law that governments employee pensions 

GM officials on the call said the July 20 deadline to decide whether to accept the lump sum will not be pushed back - even though some retirees say they have gotten incorrect figures and are awaiting corrected ones.

He said one option may be an informal boycott by individual members. "We've got retirees who are sleeping one or two hours a night and are sick to their stomach," he said.

"We believe that these changes are good for retirees...and for the company, which will see its pension obligation reduced significantly," wrote Brinkley. "Strengthening our balance sheet will allow GM to do something we haven't done in decades -- focus our attention and resources on being the best carmaker we can be. That is good for everyone with a stake in GM's success."

Akerson said this month the company would consider a similar move for hourly employees, but has made no decisions.

For more information about GM Pension Buyouts visit: 

www.DreamingOfRetirement.com

Click here for full Story:
http://www.detroitnews.com/article/20120622/AUTO0103/206220434
Story Date: 06-22-12

GM: More firms to offload pensions

MetLife Inc. and Prudential are among insurers that expect the GM deal to encourage more corporations to offload plans. Pension liabilities exceed assets by more than $435 billion, according to a Bloomberg review of data disclosed by firms in the Russell 1000 Index of large U.S. companies. Greece, facing demands for austerity measures in exchange for rescue funds, had total debt of about $450 billion at the end of 2011.

There "may be a greater willingness to pull the trigger and execute a transaction," said Robin Lenna, executive vice president of MetLife's corporate benefit funding group. "They have a model. Somebody already did it in a big way."

"The pension world will forever remember this transaction as the beginning of the era of pension de-risking," said Dylan Tyson, head of pension risk transfer at Prudential, the No. 2 U.S. life insurer. "This is a market whose time has come."

Timken Co. is among firms that may follow GM's path. The maker of bearings has spoken with Prudential and other insurers about annuitizing its pensions, which have $2.6 billion in assets and $3.1 billion in liabilities, said Glenn Eisenberg, the Ohio-based company's executive vice president of finance and administration.

For more information on GM Pension Buyouts visit: www.DreamingOfRetirement.com

Click here for full Story:
http://www.detroitnews.com/article/20120620/AUTO0103/206200327
Story Date: 06-20-12