October Refuge Refresh - Cutting to the Chase
(You can access the actual email with formatting and images HERE).
Hi Refuge friends,
I hope you’re doing well. I know your inbox is already full of sales offers, updates, and “urgent” alerts—so I’ll just try to keep this one simple and useful. Don’t hesitate to reach out to me and let me know if I can help in any way. Have a wonderful day and weekend!
—Tim
SMILE
“Why did the bank teller get fired? A customer asked if they could check their balance and the teller pushed them over.”
(Too cheesy? Yeah, I know. Sorry haha). 😂
LEARN
Great Resource!
Medicare 101
I’m going to tout my own upcoming free Medicare 101 educational seminar because I think it’s such a great help for seniors that want to know more about Medicare. The last scheduled seminar of the fall is coming up soon on Oct. 27th. Hope to see you there!
Financial Tip
Rule of 72
Want to estimate how long it will take for your money to double? Just divide 72 by your interest rate. For example, if your retirement savings are earning 6%, your money would double in about 12 years (72 ÷ 6 = 12). It’s a simple way to see whether your money is working hard enough—or if it might be time to explore better options.
Key Definition
Hospital Indemnity Insurance
A supplemental policy that pays you cash whenever you’re admitted to the hospital. You can use the money however you need—whether that’s covering copays, replacing income, or just keeping life running smoothly while you recover. It’s helpful for anyone, but it’s an especially great strategy for those on Medicare Advantage plans, since it can be tailored to match the daily hospital copays those plans often have—turning an unexpected bill into a stress-free payout. Premium is typically around $20–$40 per month depending on age and coverage.
PONDER
“Life is like riding a bicycle. To keep your balance, you must keep moving.”
—Albert Einstein
Disclaimer: All information provided is for educational purposes only and does not constitute investment, legal or tax advice, an offer to buy or sell any security, insurance product or any other financial product.
For Medicare: Currently, we represent 12 organizations which offer 90 products in the Southern Colorado area. You can always contact Medicare.gov, 1‑800‑MEDICARE, or your local State Health Insurance Program for help with plan choices.
Read our full disclosures HERE.
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