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About This Class

This life-changing class taught by Dave Ramsey and the FPU teaching team on video and coordinated by Angela Johnson in Friendswood, TX will help you achieve your financial goals by showing you how to eliminate debt, save for the future, and give like never before. You will be challenged and motivated to make a plan for your money and change your family tree forever.

This class is weekly, every Thursday, January 19, 2017-March 16, 2017. Click the registration link to register and get your course materials. Register soon as the class is limited to 12 people. We hope to see you there!

Click here to register-->http://www.daveramsey.com/fpu/classes/1029475



PS - If you are taking this class with a spouse or family member, you only need to purchase one kit.

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You probably expect your insurance rates to change if you've gotten speeding tickets or had at-fault accidents. But rates can change even when you have great credit, a flawless driving record and haven't ever filed a claim.
Why? The price you pay for auto insurance depends on unique personal variables that can change from year to year. Some factors, such as the car you drive or how much coverage you purchase, are within your control. Others, like your age or the cost of repairing your car if it's damaged, aren't. So if you're wondering why your rates went up or down, consider these possibilities:

Changes In Your Policy

Even making a minor change to your policy can affect your premium. While raising your deductible may lower your premium, for instance, adding another vehicle or another coverage like towing and roadside assistance might cause it to rise. If you altered your payment plan, meanwhile, you may have gained or lost a discount in the process which will affect your premium.

Changes In Your Driving Record

Statistics show that an at-fault accident increases the odds that you'll have another within the next three years. Many companies adjust insurance prices to reflect the added risk during this period of time, but you'll typically pay far less in added premiums than it would cost to settle your claim without coverage.

Changes In Your Life

Life events can change the way insurance companies evaluate risk:
  • Moving: It's more expensive to insure a car in crowded cities than in rural areas, but accident rates vary even by ZIP code – simply moving from one area of a city to another can affect the price of your insurance.
  • Birthdays: Studies suggest that individuals are more likely to have an accident toward the beginning and the end of their driving careers, so getting a year older could be a factor in lower or higher insurance rates.
  • Weddings: Data suggests that married people are less likely to cause accidents than single people, so tying the knot might lower your insurance bill.

Changes In Your Costs

External factors beyond the control of consumers or insurance companies also influence the price of your coverage:
  • Advanced technology: Expensive new features keep you safer, and lightweight aluminium bodies improve fuel economy, but both increase the cost of repairs after an accident.
  • Strong economies: With high employment rates and low gas prices, people are driving much more and accident rates have risen – increasing the risk for even the best drivers.
  • Inflation: The overall rate of inflation is low, but the cost of materials used to repair cars and medical care continues to go up over time.
Farmers strives to charge a fair price that accurately reflects each aspect of your risk profile; we also work to maintain stable pricing by negotiating rates with vendors, fighting fraud and opposing regulations that increase our costs. PS: Be sure to create your online Farmers account and download our mobile app for 24X7 access to your account, view your policy details, pay bills, view your auto insurance ID card, and more, all from your mobile device! Click here for more info–>>>> Mobile App
If you need more help, call Medicare BackOffice at 1-877-385-8083 and let them know I personally referred you. Angela Johnson Understanding the Donut Hole capture2 capture3 capture4 capture5 If you need more help, call Medicare BackOffice at 1-877-385-8083 and let them know I personally referred you. Angela Johnson
By Angela Johnson Are you struggling with the soaring cost of prescription drugs? CBS MoneyWatch recently reported that drug prices are predicted to soar nearly 50% over the next few years. As your advisor, I want to help you find ways to contain these costs so that they don’t interfere with your long-term retirement plans. I’m happy to let you know that Medicare BackOffice® has hired a pharmacy director who can help answer your Medicare Part D Prescription Drug plan questions.  Medicare BackOffice’s Licensed Insurance Agents can continue to help you with most Medicare Part D Prescription Drug plan questions, but for the more complex issues or prescription-specific questions, pharmacist Ryan Vlasin is now available. You can reach them at 1-877-385-8083 and let them know that I personally referred you. I’m also including three tips on how to cut your prescription drug costs. As always, please let me know if you have any questions or new developments with your health care costs, and remember that, as a valued client, Medicare BackOffice is available to you. Thank you! 3 Ways to Cut Your Prescription Drug Costs
  1. Look to generic alternatives.
Even if the medication that you are taking doesn’t have a generic, you might be able to switch to a therapeutic alternative that does have a lower cost generic available. Explore the alternatives with your physician. Your pharmacist may also be able to recommend an alternative medication that could save you money and the pharmacist may even be able to facilitate the change on your behalf by contacting your physician for you. If you need more help, call Medicare BackOffice at 1-877-385-8083 and let them know I personally referred you. If a Licensed Insurance Agent isn’t able to answer your question, Medicare BackOffice’s Pharmacy Director Ryan Vlasin can explore your options with you.
  1. Ask your doctor if a medication is still necessary.
Often, people continue to take medications because no one told them to stop. They may have changed doctors a few times, and the medication list just kept growing. It may be time to ask your physician which medications are still necessary. As we get older, some medications that were appropriate in our 50s are no longer safe as we age into Medicare. As always, the cheapest medication is the one you were able to avoid by eating well and exercising regularly.
  1. Understand how your Medicare Part D Prescription Drug plan works.
Get creative with you Part D plan search. Did you know that not every medication is cheaper through mail order? Some might be, but some may actually cost more because of shipping costs associated with bulky or heavy packaging. A hybrid approach of getting some medications at your local pharmacy and others by mail order — based on which outlet has the lowest out-of-pocket costs — can really save you some cash. Make sure to look at your best plan options every year during open enrollment, Oct. 15 through Dec. 7. If you need more help, call Medicare BackOffice at 1-877-385-8083 and let them know I personally referred you. Sincerely, Angela Johnson
By Angela Johnson As your advisor, I’m always looking for ways to help you achieve your financial goals and bring you peace of mind. Today, I’m happy to tell you about a service that can help you or a loved one make more-informed decisions about a complicated and sometimes intimidating topic ­– Medicare.

To speak with a licensed agent, call Medicare BackOffice at 1-877-385-8083 and mention that I personally referred you.

  You can call Medicare BackOffice® if you need assistance understanding the different Medicare Supplement insurance plans, Medicare Advantage insurance plans and Medicare Part D prescription Medicare Open Enrollmentdrug plans. Medicare BackOffice is a team of dedicated insurance agents who are licensed in all 50 states to provide Medicare health insurance advice and products. I’m referring you to this reputable company to answer your Medicare insurance questions – at no extra cost to you – because I value our relationship and want to help you in all your financial decisions. By bringing a source of accurate, dependable information to you, I hope to make your search for Medicare answers easier and stress-free.

Simply call Medicare BackOffice at 1-877-385-8083 to speak to a Licensed Insurance Agent. Make sure to mention that I personally referred you, and then ask any questions you have about Medicare insurance.

 

They are specially trained in finding the right Medicare plan to work for each individual. Medicare BackOffice™ wants to be clear and compliant that it is an independent, private company representing a broad selection of leading insurance companies. *Medicare BackOffice is not connected with or endorsed by the United States government or the federal Medicare program.

  By connecting you with professionals who know and understand Medicare, I hope you feel more confident about your health care spending decisions.

To speak with a licensed agent, call Medicare BackOffice at 1-877-385-8083 and mention that I personally referred you.

Sincerely, Angela Johnson PS: Be sure to create your online Farmers account and download our mobile app for 24X7 access to your account, view your policy details, pay bills, view your auto insurance ID card, and more, all from your mobile device! Click here for more info–>>>> Mobile App               MBO3906