Here are a few myths and misnomers. Buy Term & Invest the Difference: This money motto has been around for over 50 years. It’s based on comparing term life insurance costs to whole life insurance premiums. By subtracting the difference, you have money leftover to invest. But invest in what – market risk investments that are taxable outside ERISA retirement plans? Generally speaking, whole life insurance is a great bond alternative that accumulates tax deferred and is distributed via policy loans tax-free. You could also purchase domestic or foreign indices that have a hedge position against market loss. Today’s cash value life insurance is not your grandfather’s life insurance and “buying term and invest the difference” is an antiquated platitude, which few do. They spend the difference. Employer Provides Coverage: It’s a great benefit to have, but not a benefit your dependents can live on. Two to three times earnings are almost always inadequate to protect a family. Employer coverage is a good start but not a complete life insurance plan. Life Insurance is Outside My Belief System: Life happens everyday. But for some people life always happens to others and never to themselves. They somehow imagine themselves immune to Read more…
July 2018
Gulf Coast Group Johnny John & The Schemin’ Dreamers Release Debut Powerhouse AOR EP
The new release, Let There Be Drums! from brand new Gulf Coast recording project Johnny John and the Schemin’ Dreamers proudly goes against the music trends of modernity. The brainchild of drummer Johnny Harrelson, featuring Florida guitarist Joe Pizzolato, bassist Adrian Howland, keyboardist Cody Collum and veteran Organist Red Young (Eric Burdon, Linda Ronstadt, Freddy Fender); Engineered by Rick Hirsch (Wet Willie, Greg Allman, Bonnie Bramlett), Mixed and Mastered by Jack Miele (Blues Traveler, John Oates); Let There Be Drums! is an exhibition of progressive musicianship. Fans of Gary Moore, Cozy Powell, Frank Marino, and Jeff Beck will certainly enjoy this record. The burning question for such a release is why? Drummer-Producer Johnny Harrelson states that: “Initially I wanted to put something out that said this kind of music is still viable and worth doing. I wanted this to be a testament to the musicianship of the era. Yet, there are many other reasons too. It was worth letting everyone know that there are some good young players here on the Alabama/Florida Gulf Coast. We were very privileged to have Rick Hirsch agree to engineer it. His insights from the era we touched on were primary. He is a primary Read more…
Charleston South Carolina Medical Device Service Contracts Are Available From BiTech Medical
Charleston South Carolina medical facilities both large and small that are seeking to improve patient health outcomes can dedicate more time to patient care when they partner with BiTech Medical Corporation for medical device repairs and maintenance. We offer medical device service contracts in Charleston South Carolina where our biomed engineers will handle your medical equipment needs from repairs and service to routine maintenance and sales so you can focus your attention to your patients. Call us today for more information at 888-470-3720 and let us help you improve patient health outcomes at your Charleston facility. Thanks to our experienced biomed engineers we are able to offer a wide range of services to Charleston medical facilities. One major component to improving your patient care is preventative maintenance on your medical devices. Charleston medical facilities that are up for renewal on their service contracts or looking to enter new service agreements for their medical devices and machinery rely on BiTech Medical and our experienced biomed engineers. We service a variety of devices from medical to laboratory environments due to our manufacturer representative relationships that range from surgical tables to pharmaceutical robotic dispensing units. Our main focus here at BiTech Medical Read more…
Atlanta Medical Device Service Contracts From BiTech Medical Help Keep Your Facility Running Smoothly
Medical facilities in Atlanta Georgia that are looking to improve patient health outcomes and provide better patient care to their patients rely on BiTech Medical for quality medical device repairs, maintenance, and servicing. Our experienced biomed engineers will handle your medical equipment so you can focus your attention to your patients. Set up a medical device service contract in Atlanta Georgia with BiTech Medical by calling 888-470-3720 today. Through medical device service contracts with BiTech Medical Corporation, you can rely on our experienced biomed engineers for all your medical device maintenance needs. Not only do we offer quality refurbished products for sale, but we will provide routine maintenance to ensure your equipment is up and running smoothly at all times. You don’t want your equipment to fail at critical times due to lack of scheduled service or a bad repair. We understand that one of your biggest and most important priorities is your patients and their overall healthcare. By partnering with us for your medical device repair, replacement, and maintenance needs you can better focus your attention to where it matters most, your patients. By having more time to dedicate to patient care and interaction, you can improve patient health Read more…
Trust Your Savannah Georgia General Contractor At American Craftsman Renovations For The Best Home Remodeling Services
American Craftsman Renovations provides the best residential remodeling services in Savannah Georgia. Our Savannah Georgia general contractor has many years of experience in the industry and offers kitchen and bath remodeling, home additions, structural repairs, and historic restorations. Savannah homeowners rely on American Craftsman Renovations because of our commitment to quality workmanship and exceptional customer service on every project we take on; call us today to schedule your home remodeling service in Savannah Georgia. When it comes to your home, it is important to love where you live. Many homeowners in Savannah Georgia may love the street they are on and their neighbors but may find that their growing family needs more space or that their outdated master bath is no longer suiting their needs. With professional home remodeling services or a home addition, we can help make your home more suitable to your likes and needs. A growing family may need that extra bedroom and bathroom or larger kitchen or we can breathe new life into that outdated bathroom with new custom vanities and a walk in shower. Whether you have a clear vision for your home and what needs to be done to it or you need Read more…
- July, 19
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- Real Estate
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Medical Facilities Rely On BiTech Medical Corporation For Quality Medical Device Service Contracts
BiTech Medical Corporation offers nationwide medical device service contracts to medical facilitates both small and large that are looking to partner with our biomed engineers for medical device maintenance, repairs, servicing and replacement. Our biomed engineers are some of the best in the business and will help you keep your systems up and running at your facility. Schedule your medical device service contract consultation with BiTech Medical Corporation by calling 888-470-3720. Medical facilities often are looking for ways to improve not just patient health care but patient health outcomes. One of the ways medical facilities can accomplish this is by partnering with BiTech Medical’s experienced biomed engineers through a medical device service contract. We will handle replacing your older or damaged medical devices and service your existing ones as well as make necessary repairs so that you can direct your attention to your patients. We are experts in the industry making us the preferred choice for your medical device maintenance. By allowing us to handle your device needs you can dedicate more time and focus to improving patient health care which will in turn improve patient health outcomes. We can also help improve compliance with government regulations while ensuring all Read more…
Preventative Maintenance On Your Medical Equipment From BiTech Medical Helps Your Facility Run Efficiently
BiTech Medical Corporation offers the best medical device service contracts to medical facilities nationwide. We saw a need for quality medical device service contracts not just in the Southeast, but across the nation and are proud to provide medical facilities both small and large with the device maintenance plans that they need. Preventative maintenance and servicing is key to ensuring your medical facility is running at optimal efficiency. Call BiTech Medical Corporation to discuss your medical device maintenance needs with our biomed engineers at 888-470-3720. We offer quality medical device service contracts that involve medical device repairs, medical device replacement, and routine medical device servicing. We help you keep all of your systems up and running so that you can focus on your patients. By allowing our biomed engineers to handle your medical device needs you can dedicate more of your time to improving patient health outcomes and overall patient care. We understand that one of your biggest priorities at your facility is your patients and their healthcare. Having experienced biomed engineers from BiTech Medical handle the replacement of old devices and maintenance of existing devices will free up time from your personal staff, allowing you to focus more on Read more…
The Impact Tax Favored Treatment
Can a society take on the additional hardship of surviving dependents? Life insurance is one of the great redemptive solutions to our economic health as a nation and that’s precisely why the government has granted tax advantages to life insurance. It’s simply in the best interest of country. With individual freedom comes individual responsibility. Being a good steward of your family’s finances depends upon having the proper insurance policies in place in case the unexpected occurs. Life insurance for the breadwinner and business owner protects all their dependents and business partners. It insulates against financial loss. The economic leverage can be substantial and for most scenarios, life insurance proceeds are tax-free. But cash value life insurance has additional tax-free features like tax-free income via collateralized policy loans as long as the policy is kept in force for the life of the policy insured. The cash value life insurance policy must be issued as a non-modified endowment contract. Tax-free distributions of loans, under these conditions, are not characterized as a form of income and are not includable in the provisional income test for Social Security benefits. There is a menu of crediting options to choose from, based on your risk tolerance. Read more…
Women’s Issues Need to Be Addressed
Life insurance can be the great equalizer in a world of inequality. Retired couples can statistically bank on the woman outliving her husband 87% of the time. The average female survivor lives to age 93. That means that half of American women will live longer than that! Recently, Susannah Jones lived to the age 116. She was born in 1899, giving her the distinction of being America’s last tri- centurion. But she’s not the oldest documented person in the Guinness Book of World Records. That honor is held by Jean Calment who died in 1997 at 122 years, 164 days. Women generally outlast their husbands and live longer, a lot longer. Living longer can generally be a good thing if you have wealth and your health. But many middle class widows have neither. When their husbands pass away, they generally lose their spousal benefit in lieu of their husband’s benefit. So if the husband’s Social Security monthly benefit is $2,500 and her benefit is $1,250, she’ll elect to have her husband’s larger benefit, but she loses hers in the election process. They were earning $45,000 a year in Social Security benefits, now she’s earning only $30,000 in benefits. For most Read more…
DHEA Improves Bone Density and Cartilage
Osteoporosis causes 9 million bone fractures a year. In fact, one third of women over age 50 and 20% of men over age 50 will have a bone fracture this year. According to research done by Dr. Edward Weise at Saint Louis University’s Doisy College of Health Sciences, taking a DHEA supplement when calcium and vitamin D levels are maintained at normal levels allows improvements in spinal bone density. Dr. Weise says “In addition to its beneficial effects on bone, DHEA replacement may have other benefits including improvements in risk factors for diabetes and heart disease, improvements in immune function, and improvements in psychological health,” In another study published by Catherine Jankowski, Gozasky, Schwartz, et al, administration of DHEA to elderly individuals with low DHEA-S levels improved hip Bone Marrow Density (BMD) in men and women and lumbar BMD in women. The study involved 70 women and 70 men (60-88 years). Consequently, correcting DHEA deficiency might help prevent osteoporosis fractures. A link to the article by Dr. Jankowski, et al entitled “Effects of Dehydroepiandrosterone Replacement Therapy on Bone Mineral Density in Older Adults: A randomized controlled trial” from the Journal of Endocrinology and Metabolism is provided here www.jcem.endojournals.org/cgi/content/abstract/91/8/2986 In humans Read more…
- July, 17
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- Health & Wellness
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