About grace

This author has not yet filled in any details.
So far grace has created 17 blog entries.

May Newsletter – Weeds and Seeds

 

 

It’s spring!  Spring is a great time to get personal stuff in order.  Time to dust off the outside furniture, put the yard together and pull a few weeds.  With the weather we have had this winter, I know I’m not the only with one with more than my fair share of weeds.  I have found that weeding my yard is actually therapeutic and gets me to slow down and clear my mind.  Gives me a bit of peace as well.

Spring cleaning isn’t just about the physical things that we need to do – sometimes it can be things that we are putting off…like getting the oil changed in the car, or making sure that all of our insurances are up to date.  Not just that the policies are paid, but that you have the appropriate coverage in place for your needs.

So since we’re talking about weeds…we have to talk about planting seeds…and here’s mine:  May is Disability Awareness Month.  Not that it takes a special month to get us thinking about a “what if” – but what if you were disabled? Maybe through an unfortunate accident or disease (like any accident is fortunate…haha!).

A new survey says that the average American has less than $1,000 in savings.  $1,000 doesn’t take you very far if you become disabled when you suddenly lose your paycheck – either temporarily or permanently.

Already have a disability policy?  Maybe it’s time to look at a cancer plan, accident, or hospitalization plan.

While I am not going to pull weeds for you, or take your car to the shop, I can help secure your paycheck. Give yourself a little peace of mind should you teeter a little too far on the top rung of a ladder or trip over your own rake (which I have done both this past week).  Glad I am covered.

 

 Until next month,

“Silly people, serious about insurance.”

Who sometimes likes pulling weeds more than planting seeds.

 

April Newsletter – Crystal Balls and Lava Lamps

My Crystal Ball is broken.  I checked the batteries, downloaded the latest version of the app, and even took it to the shop for repair.  No one could seem to understand why it wasn’t letting me know the future of the ACA.

For specifics, the ACA has now been named “AHCA” because we all can’t agree on everything (or at times, anything).  AHCA stands for the American Health Care Act.  I think that pronouncing AHCA sounds like I am ready to sneeze and a “Bless You” will ensue “AHCA-Chooooo”.  Bless you.

This is truly the most asked question:  “What’s going to happen to Obamacare?”  This is where I refer back to my broken Crystal Ball.  No one knows.  As of today, the ACA/Obamacare/Your Plan are remaining intact and is still law of the land…well, until it isn’t – truly is that easy.  Right now anyway.

Maybe I should look into my Lava Lamp instead of the Crystal Ball.  At least my Lava Lamp is more accurate with bubbles that burst, stretches and never ending ups and downs.

I have to apologize for missing several months of sending out newsletters.  Truth is that life sometimes gets in the way (weddings, funerals, kitchen remodels and most importantly, Open Enrollment).  It wasn’t until a close friend and colleague told me that my newsletters were missed in her inbox.  Sometimes it takes a little nudge (…or nag…you choose the wording) to get us back on the right track.

Maybe all my Crystal Ball needs is a little nudge, too.

 

 Until next month,

“Silly people, serious about insurance.”
Grace

Who will forever miss my friend’s replies to every eblast.

October Newsletter – Nev-AH-Da Day

Halloween is not one of my favorite holidays.  Mainly because I was born in Reno and grew up in Carson City. If you’ve ever been to a Nevada Day Parade, you would understand the loyalty to the birthday of our great State.
Sort of like when you hear folks pronounce Nevada incorrectly.  I don’t know about you, but I always feel the need to correct them on that one.  They may have their shirt on backwards, spinach between their teeth or an ax murderer behind them – all will be overlooked if they draw out the “ah” in Nevada’s pronunciation.
I have always felt that Abe Lincoln could have waited at least one more day to make Nevada a State – that way, Nevada Natives like myself would probably celebrate Halloween a bit more.  I also wouldn’t make kids trick or treating say “Happy Nevada Day” when they come to my door.  But alas, Abe probably wasn’t thinking about Grace in 1864.
Halloween is not one of my favorite holidays.  Mainly because I was born in Reno and grew up in Carson City. If you’ve ever been to a Nevada Day Parade, you would understand the loyalty to the birthday of our great State.
Sort of like when you hear folks pronounce Nevada incorrectly.  I don’t know about you, but I always feel the need to correct them on that one.  They may have their shirt on backwards, spinach between their teeth or an axe murderer behind them – all will be overlooked if they draw out the “ah” in Nevada’s pronunciation.
I have always felt that Abe Lincoln could have waited at least one more day to make Nevada a State – that way, Nevada Natives like myself would probably celebrate Halloween a bit more.  I also wouldn’t make kids trick or treating say “Happy Nevada Day” when they come to my door.  But alas, Abe probably wasn’t thinking about Grace in 1864.
What does this have to do with insurance?  Uh, well, nothing.  Wait.  I have to talk about insurance to keep the Bossman Andy happy.  How about this:  If you have an axe murderer behind you, make sure that you have life insurance.  I will let you know that he (or she, not to discriminate) is behind you, once your paperwork is completed.
Happy Nevada Day and Happy Halloween (for you non-natives).
What does this have to do with insurance?  Uh, well, nothing.  Wait.  I have to talk about insurance to keep the Bossman Andy happy.  How about this:  If you have an axe murderer behind you, make sure that you have life insurance.  I will let you know that he (or she, not to discriminate) is behind you, once your paperwork is completed.
Happy Nevada Day and Happy Halloween (for you non-natives).
Until next month,
Grhalloweenace
Who hopes you have a great 3 day weekend! 🙂

August Newsletter – Love from Pepe!

One of my favorite cartoon characters is Pepe Le Pew.  Always the eternal optimist when it comes to love. As Pepe would say, love is in the air.  But as Grace would say, so is the Zika virus.

Sometimes it is difficult to decipher the difference between Love and Zika.  They both make you break out in sweat, can cause pain and the occasional eye strain.

Here’s what I’ve surmised as the “dating through the ages” questions:

In the 20s:  “What’s your favorite color???  Movie???”

In the 30s:  “What kind of house do you want???  Dogs or cats???”

In the 40s: “How is your 401K??? Retirement plan???”

In the 50s and beyond: “What’s your credit score??? Who is your life insurance beneficiary???  Do you have all your own teeth???”

Unfortunately, most times we don’t think of retirement or life insurance until we are more mature and begin to realize how we want to spend our golden years.

Hopefully you’ve got a good grasp on your financial future; you saved where you needed and have a life insurance policy.

If you don’t, or if you want us take a second look, give us a call.

Since next month is September – it’s also Life Insurance Awareness Month.  We want to make sure that your life insurance is as good as your love life.

Even though we can’t help with your love life, we can help with your life insurance and retirement planning needs.

PEPE

Until next month,

“Silly people, serious about insurance.”

Grace

Who has asked all of the above questions a time…or two…

July Newsletter – Spend your kids’ inheritance!!

Aaaahhhh…the blessing and the curse of turning another year older. Usually after the age of 39 we stop counting birthdays. Could be that we just forget how old we are – or since the abacus isn’t close by, it’s too much math to do in our head.
 
Latest information is that folks are living longer.
 
Good news is that we GET to spend more precious time with those we love. Down side is that we HAVE to spend more time with those that are in the same gene pool.
 
Depending on which side of the aisle you are on, the biggest issue is relying on a family member to take care of you in your aging years (insert visual of your children now changing YOUR diaper).
 
There is now a strain on the Medicaid system for care of the elderly – which was not anticipated to rise when it was formed in 1965. Average life expectancy in 1965 was 70 years old – in 2016 it is anticipated to be 79 – and is anticipated to increase to 86 within 30 years!
 
What are the ways to enjoy a long life? No, I’m not going to talk about eating well and exercising – since I know that you’re already doing that (wink, wink)… The best solution is to plan for retirement, stay healthy and spend your kids’ inheritance (and don’t show THEM this eblast…make them think they’re getting it all!).
 
Unfortunately, we do get sick, are disabled and have to live in long term care facilities. This is where ACS Insurances comes in – we have long term care policies that will take the burden off the family members (unless you don’t like them – then don’t show THEM this eblast) – let them think that you’ve enrolled in a Long Term Care plan.
 
I’m not sure how the 50s look from this vantage point (yet) but Andy sure is knowing it – he turns 50 on July 20th. Call or email Andy for a Long Term Care or retirement questions – he has a wealth of information and is eager to share!
'If I don't do my homework I'll get bad grades- I'll never get a job and won't be able to pay for your long term care. You do the maths.'

‘If I don’t do my homework I’ll get bad grades- I’ll never get a job and won’t be able to pay for your long term care. You do the math.’

Until next month,

“Silly people, serious about insurance.”
Grace
Who turns 50 in August!

Name Your Poison and Best Friends Day!!!

It is sort of ironic that today is Name Your Poison Day as well as Best Friends Day. I’m not sure if it is figuratively or literally. You could celebrate both by taking your Best Friend for a drink or depending on the friendship, switch drinks when they’re not looking. 😉
Whatever your choice – be sure to have a great day! Grace
BFF

National Chocolate Ice Cream Day!!!

My deepest apologies to our friends, family and clients who are lactose intolerant, or don’t like chocolate (must be one of you out there…).

Today is National Chocolate Ice Cream Day. For some reason it did not coincide with National Fat Free Day, so feel free to indulge for breakfast, lunch, and dinner you have our permission.
Should you have too much ice cream (is there such a thing???) don’t forget that you also have great health insurance.
Grace

 

Chocolate milk being poured into glass

May Newsletter – Thank a Vet!!!

It’s time to get patriotic.  Since May has Memorial Day, June has Flag Day and July holds Independence Day, I thought it would be appropriate to team up with an organization that is very dear to ACS Insurances’ heart:  The Veteran’s Guest House.

For me personally, I believe that these dates will hold more meaning than in past years.  My son Brett, who just turned 19 joined the Navy and is currently away at basic training.  As a mom, I couldn’t be more proud that he has chosen to serve our country and to stand between us and the bad guys.

Military runs deep in the ACS family.  Andy’s father  served in the Air Force as did my parents! My mom was also the first nurse at the Reno Air National Guard – so it is a natural for us to support the Veteran’s Guest House.

Between now and the end of July if you drop off a monetary donation in any amount, ACS Insurance will be happy to give you a classroom sized American flag as our thanks for helping to keep this great organization going (while supplies last of course, but not to worry, we have supplies).  Make your checks payable to Veterans Guest House.

Not familiar with Veterans Guest House?  If you want to know more, here’s their website: www.veteransguesthouse.org or you can like them on Facebook!  Veterans Guest House is a 501(c)(3) Nevada Nonprofit organization – and your donation may even be tax deductible!  How cool is that???

Favorite Veterans

Oh, and almost forgot to mention…if you need insurance, don’t forget to give our offices a call – we’re pretty cool too!

Until next month,

“Silly people, serious about insurance.”
grace

April Newsletter – It’s time to shop!!!

One of my favorite topics is shopping. Not only because I am female, but because of the great deals that I can find. I love the thought of getting something really cool for next to nothing. I recently purchased a large mirror that was originally $150 and through coupons and clearance, walked out paying only $20 (true story).
 
Trust me, I have bought bone-headed stuff as well…like the times I decided I need a bottle cutter, new tools or organic dog food. Don’t even get me started with Amazon Prime (…love it!)
 
Because I work, I can only find these great purchases on Saturdays. I haven’t asked, but I don’t think that the Bossman would appreciate me spending all day online shopping or having giraffe food sent to the office (because it was on sale, that’s why).
 
Looking at retirement around the corner – I wonder what Saturdays will be like – since every day will be Saturday – and now every day can be a shopping day.
 
The next question is whether I will have enough money to retire comfortably and to find those great deals. I know that there are a lot of skeptics whether social security will be around, but I want to be prepared with my own financial security.
 
If you haven’t checked your social security statement in a while (no, they don’t mail them out anymore), you might be surprised to see the following notice:
 
Social Security benefits are not intended to be your only source of income when you retire. On average, Social Security will replace about 40 percent of your annual pre-retirement earnings. You will need other savings, investments, pensions, or retirement accounts to make sure you have enough money to live comfortably when you retire.
 
That’s where ACS Insurance comes in (you just knew I would bring that up), not only are we awesome at health insurance, but we also are awesome at life insurance and conservative retirement planning.
 
The key is planning – not waiting until you are 64 -1/2 – but today. Putting aside money today for use tomorrow.
giraffe
Until next month,
Grace
Who used the bottle cutter twice.

March Newsletter – The Chip on my shoulder!

The month of March celebrates National Potato Chip Day. Who knew that an angry customer complaining of soggy potatoes would incite a chef to make potatoes super thin and crispy – just to irritate the patron even further? This incident allowed the potato chip to be born in 1850 – and is also the bestselling snack WORLDWIDE!
 
Of course the offshoot to the potato chip only took 130 more years to discover – The Chip Clip. It’s one of those inventions that is rarely used for its original purpose – after all, aren’t we SUPPOSED to eat the whole bag at one sitting?? The Chip Clip is a useful invention as it usually holds a child’s artwork, coupons or concert tickets on the refrigerator door.
 
The Chip Clip is sort of like football helmets. The football helmet was created 30 years after the game itself was invented. I guess it took conversation with a bunch of drooling guys with slurred speech before someone thought about a solution.
 
Health Insurance was created almost 100 years ago, just in case you eat too many potato chips or happen to play football. Make sure to contact us so you have the appropriate health insurance in place.
 
We also write life insurance in case you really, really, really like potato chips or decided to take up football’s brother…rugby.
chip
Until next month,
Grace
Who had a parakeet named “Chip” – because he was the only chip I wanted on my shoulder!