Livingston Reporting - page 139

Comparing Medigap Plans in Tennessee

Posted on by Creative Programs and Systems

If you live in Tennessee and are looking for Medicare Supplement plans, which are in purchased in addition to Medicare Parts A and B of the federal Medicare program, you can opt for Medigap coverage. There are 10 different plans to choose from for Medigap plans in the state of Tennessee, but not all insurance companies offer all 10 plans. And if they do, you’ll notice that some might be more expensive than others. Also, some plans are more advantageous than others, with a few of them being Medigap Plan F, Plan G and Plan N. It doesn’t matter which plan you get, the gaps that the original Medicare has will be filled in by the various plans in varying degrees depending on the plan.

Depending on what Medigap plan you choose a different percentage and number of gaps will be eliminated. If you really want a comprehensive Medigap plan, you should opt for Plan F, as it is thought to be the most advantageous since it pays both Medicare deductible and the 20% that it doesn’t cover at hospitals or doctor’s offices. However, in most cases, Plan G is a better value to all, thus the best option for those looking to get Medigap in Tennessee.

The most important thing to remember is that it doesn’t matter what company you purchase Medigap supplemental insurance from since the plan will work the same way. There are really only two things you need to compare when looking for the right Medigap insurance provider in Tennessee: price and reputation within the industry. Both factors will vary from provider to provider and this is what you should base your Medigap supplemental insurance decision on.

Although it’s possible to compare the companies that offer Medigap in Tennessee to get quotes.  Enrollees can also go online to see charts that will show you the different rates from independent agents and brokers. Doing your research to compare Medigap supplemental insurance plans in Tennessee will help you make an informed choice so that you find one that best fits your personal monthly budget.

Learn more about Medigap plans and rates at http://emedigap-plans.com.  Medigap Insurance brokers will help you compare Medigap Insurance rates and plans.  To talk to an expert in Medigap coverage call toll free 888-452-7949!

Medigap Insurance Plans

, , , , , , , , , ,

Medicare Supplemental Insurance Plans Available In Tennessee

Posted on by Creative Programs and Systems

Finding affordable Medicare Supplemental insurance in Tennessee isn’t hard to do if you know where to look. Medicare Supplement insurance plans in the state cover some of the costs that aren’t paid for by Medicare Part A or Part B of what the original Medicare covers. These costs are usually associated with deductibles, copayments, and other expenses considered to be out of pocket. With Medicare Supplemental insurance, which is also known as Medigap, you’ll be covered from some of these expenses so that you don’t have to pay extra every time you see a healthcare professional.

Medigap plans in Tennessee might also cover things like coinsurance for hospice care and coverage while traveling to foreign countries. However, it’s good to know that Medigap plans do not include the coverage of prescription drugs and you will need to enroll in Medicare Part D if you need prescriptions.

Supplemental Insurance Plans in Tennessee

Most states offer 10 different Medicare Supplemental insurance plans, each positioned with a designated letter. These plans are standardized by Medicare so that each of the 10 plans under each specific letter of the alphabet offer identical coverage. For example, Plan A in Tennessee would include the same coverage no matter what company is offering that plan. However, the cost of the plan can vary from each company and county and even state. In the same notion, Plan B or Plan C will be different from Plan A when it comes to costs and coverage.

How to Select a Medicare Supplemental Insurance Plan In Tennessee

Not every Medigap plan will be available from every insurance company in the state and their monthly premiums will vary from company to company. Plus, it’s good to keep in mind that just because you have lower monthly premiums, you might have higher out-of-pocket expenses when you seek out medical services. If you are looking for Medicare Supplemental insurance in the state of Tennessee, you should become familiar with the different types to choose the best one for your own needs and budget. Once you find a plan, you should then compare plans between different companies to find one that best fits your budget.

Learn more about Medicare Supplemental Insurance plans, rates and more at http://www.emedicare-supplemental-insurance.com.  Medicare Supplemental Insurance brokers will help you compare Medicare Supplemental Insurance rates and plans.  To talk to an expert in Medicare coverage toll free 877-202-9248 today!

 

Medicare Supplemental Insurance Plans

, , , , , ,

Steps In Choosing The Right Freight Company

Posted on by Creative Programs and Systems

Your products need to get to their destination and unless you have your own trucks or shipping company, you’re most likely going to use a third-party freight company. With so many out there these days, finding the right one can be overwhelming and frustrating. You want to make sure that you choose the right freight transport company to handle your goods with care and get them to their destination on time. In order to help you with your search, here are some tips on how to choose the right freight company for the job:

Understanding the Freight Services, You Need

In order to find the right freight company, you’ll have to first understand what sort of freight services are needed in order to choose the one that best fits in with your needs. You’ll have to determine your transportation preference, if you’ll need and specific services and all the details of what you plan to ship before you contact a company. Put together a list of things you want like time frame, speed delivery, special packaging and more so that you’re clear on your needs.

Take Time to Research the Industry

By doing a bit of research on the freight services industry, you’ll be able to understand better what a freight transportation company will and won’t do for you. The research will help you understand various industry terms and regulations that will impact your choice of what company to go with.

Trust Your Gut to Go with Experience

When looking for freight services, you’ll want to go with a company that not only offers a great price, but also has years of experience in the industry. When a company has experience, they know how to handle packages and what it means to provide excellent customer service since they’ve been doing it for so long. If you can, get references to help you make your decision based on what others have said or experienced with that company.

Look for Great Customer Service

The right freight company is the one that will provide the best customers service. You want to make sure the company will communicate well with your about the service from the day they get your goods to the day they deliver them.

Learn more about Matrix Transportation and the transportation services they offer including: dedicated truckloads, JIT truckloads, less than truckload (LTL), same day expedited FTL and LTL, full truckload, warehousing, cross-docking, and trailer rentals at www.matrixtransportation.com  To contact one of our trucking experts call toll free 888.896.2405 today.

Matrix Transportation

, , , , , , , , , , ,

5 Reasons Homeowners Should Enhance Their Home’s Exterior

Posted on by Creative Programs and Systems

For most homeowners their home is their biggest source of pride and joy. You’ve spent hard-earned money to buy it and keep it up, so why wouldn’t you want it to look great on the outside. Your home’s exterior is the first thing people will look at, so you obviously want it to look amazing and considered one of the best-looking houses in the neighborhood! Here are some reasons why homeowners will want to work with a full-service home improvement company when it comes to enhance your home’s exterior:

Create a More Modern Look

Even the smallest updates done to a homes exterior can create a look that is no longer dated.  Older homes appear fresh with simple additions like a color change, freshly painted trim, and a few fresh accessories in the yard can completely enhance the homes modern look.

Enhance Curb Appeal

The first thing that people see when they are driving by your home is the exterior.  Your homes exterior curb appeal will send a signal about how they feel about your home within the first seconds of seeing it.  This is especially crucial when looking into selling your home. Prospective buyers will judge your home by its exterior which will then either lead them to view the interior or skip it in favor of something that is more appealing to the eye.  A full-service home improvement company can offer you suggestions that will benefit your homes curb appeal be it fresh siding, new window, adding a porch, or even upgrading parts of the siding with natural masonry stones.

Increased Value

When you want to sell your home, some exterior enhancements will get you more money than if you left it in a state of repair.  Getting more money for your home is always the goal when you are looking into selling your home.  A good-looking exterior will get you that!

Increased Neighborhood Value

If the homes within your neighborhood all look like a million bucks and your home is still harboring an old dingy, outdated look, your home will decrease the overall value of the homes within the space.  Don’t let your home get the “worst on the block” wrap.  Whether you make major changes or minor ones keeping your home up to date.

Fewer Complaints from Your HOA

When you live in a community with an HOA it is important that your homes exterior stay in line with the rules of the neighborhood.  Many HOA’s will fine you if you fail to keep with the homes look and overall appeal.  Unused cars or RV’s, unkept bushes, faded mulch, worn out fences, and more can all lead your HOA to fine you as a homeowner until updates are put in place to fix the issues at hand.

Learn more about Kearns Brothers, a full-service home improvement contractor servicing all of Southeast Michigan’s construction needs by visiting their website at www.kearnsbrothers.com or contact a remodeling expert at 888.355.6700.

Kearns Brothers

, , , , ,

Top Reasons Why Homeowners Desire To Renovate Bathrooms

Posted on by Creative Programs and Systems

There are a number of reasons that homeowners consider renovating their bathrooms.  A lot goes into the renovation of a bathroom, so it is important to remember the end goal as you plan your ideal space.  No matter what the reason the space needs to meet your end goal once the renovation is complete.  Consider the following:

  • Add an Additional Bathroom: Many older homes have the one-bathroom dilemma.  Anyone with more than one person living in a home knows the importance of a second bathroom.  When adding an additional bathroom within your home consider if you need a full bath or half bath.  A half bath is more common in homes with two full bathrooms.
  • Bathroom Expansion: Expanding a bathroom is common in a home with more than one half bath.  Homeowners looking to add an additional shower or tub often consider expanding.
  • Accommodate the Aging Process: Aging is one of the most common reasons homeowners choose to remodel their bathrooms. Aging bodies need special concessions within spaces that are used multiple times a day like bathrooms and kitchens.  Some common renovations that are done because of aging are taller toilets, increased lighting, the addition of grab bars, pulls instead of knobs on cabinets, walk-in showers, and such to ease use.
  • Update Plumbing: Sometimes there is absolutely nothing wrong with your bathroom space when it comes to the look or layout but the components keeping it running begin to fail. Signs that your bathrooms plumbing needs upgrading can range from leaky sinks, mold, and low water pressure.
  • Improving Utility: Sometimes your bathroom needs to be renovated to increase the usage of the space.  It could be from improving ventilation, add storage, put in a bidet, or accommodate an extra person in the space with the addition of a double sink.
  • Cosmetic Upgrades: An updated look is always a good reason to renovate your bathroom space.  Sometimes a fresh space can really transform a style that has become dated.  Often some new cabinetry, a clean coat of paint, updated flooring, and a splash of new tile can really transform a space.

When looking into renovating your space it is important to hire a professional contractor.  Even the smallest of spaces, when renovating, can turn into a major disaster for those who go it alone.  A professional contractor specializing in bathroom renovations can quickly take your space from dull and dated to functional and fantastic.

JFC Remodeling, out of Howell, Michigan, offers a variety of construction services for the home including: kitchen and bath remodeling, flooring renovations, and home remodeling.  You can find out more information at http://www.jfcremodeling.com or by reaching out to our home renovation specialists at 810.923.1123.

Jason Foldenauer Construction

, ,

5 Reasons To Consider Reconditioned Electrical Components For Manufacturing

Posted on by Creative Programs and Systems

Just because you think something is broken or doesn’t work anymore doesn’t mean it’s true. There is such a thing as product reconditioning in the electrical industry.  Companies need to be aware that this is a great way to get electrical components for your company especially if working with limited resources. Just because they are reconditioned components doesn’t mean they are of lesser quality than if you were to purchase new components.  In fact, many times the bugs and kinks have all been worked out of the reconditioned components therefore making them more valuable. Here are a few reasons why you shouldn’t think less about reconditioned electrical components and use them for your company.

Lower Costs

Every business is concerned with saving money. Buying refurbished industrial equipment will save your company a great deal of capital. On average, your company will save about 50% to 70% when buying refurbished industrial equipment over new equipment. You’ll be able to use this money in other areas of business to help you grow.

Greater Peace of Mind

Not only do reconditioned electrical components cost less, but you can rest assure that the products you’re getting are completely rebuilt, inspected and tested multiple times to make sure everything works as if it was new. Another benefit as mentioned earlier is that equipment that has been used for awhile and reconditioned has had a chance to have the kinks worked out.  Problems that often arise with new equipment have been worked out and dealt with.

More Stringent Standards

Companies that are in business to reconditioned electrical components know when a product still life has to offer.  Therefore, it is important to purchase components from a reputable company.  This will help to ensure you are getting quality parts that have been processed at the highest of standards.  You will be sure to get the best in reconditioned equipment and components.

Like New Appearance

Reconditioned electrical components are not only rebuilt and cleaned before being inspected, but they are also painted using quality paint and exclusive acrylic enamel chosen for its durability so that they look as good as new.

Increased Inspections

To ensure all refurbished industrial equipment runs right, the product is tested and re-tested again to meet or exceed the manufacturer’s UL certification.  Each component is not only cleaned but also lubricated, reassembled and thoroughly tested before being allowed to be resold.

Learn more about J & P Electrical Company and their vast line of new, surplus, and refurbished industrial electrical components including: circuit breakers, bus ducts, bus plugs, disconnects, fuses, panel switches, tap boxes, and transformers at www.jpelectricalcompany.com.  To contact one of our product reconditioning specialists, call 877.844.5514 today.

 

 

J & P Electrical Company

,

6 Ways Aluminum Gates and Fencing Help to Keep Your Home and Family Safe

Posted on by Creative Programs and Systems

Of course, you want to keep your family safe, which is why it’s a good idea to invest in the installation of an aluminum fence and driveway gate. Your home will not only feel safer, it will be safer.  Your family pets and small children will be able to freely play throughout the yard without the constant worry about them leaving the property or someone entering that shouldn’t. Aluminum fencing and gates help to protect your home and loved ones from the vulnerabilities that exist outdoors.

There are several reasons that homeowners choose to install an aluminum perimeter fence and driveway gate.  Some of those include:

Enclosure for Young Children

As mentioned above the installation of an aluminum fence makes it virtually impossible for them to leave the backyard.  With the fence installed they will be able to freely roam outside while giving you some peace of mind that they are safe.  Most parents don’t mean to intentionally leave their children outside playing alone but occasionally we all run into the house for a drink or to rush to another child to the bathroom.  It is in those split seconds when children are most likely to venture away.  An aluminum fence prevents this.

Pet Enclosure

Just like children, pets are easily contained with an aluminum perimeter fence.  One option in aluminum fencing is puppy pickets, which are extra aluminum pickets added to the bottom of the fence to prevent even the smallest of pets from escaping under the fence.  Another benefit found in aluminum fencing when it comes to pet containment is that the aluminum fence panels, no matter what decorative style or color you choose from, can be ordered at varying heights.  If your dog is a fence Houdini, then you can easily order a taller fence making it virtually unescapable.

Keeping Intruders Out

An aluminum driveway gate is the best option in preventing unwanted visitors.  A closed gate eliminates the possibility of entry without the expressed desire of the homeowner.   Driveway gates are incredibly strong, durable, and safe.  Once installed homeowners can consider automatic controls to allow easy opening and closing of the gate with the touch of a button.

Prevent Backyard Exposure

Although most aluminum fencing is a style of fence referred to as picket, it still offers a distorted view of the activities behind them.  With a fence installed you lessen the intrusion of noisy neighbors and give yourself more privacy then you would have without one installed.

Prevent Easy Access

Thieves are looking for easy targets when they set out to rob a home.  A home equipped with a driveway gate and perimeter fence are not easy targets.  These obstacles help detour intruders for easier targets.

Gates Lock

Whether you install a driveway gate or an aluminum walkway gate it is important to note that it can come with hardware that allows the fence to be self-locking and self-latching.  Most often seen as an important feature in aluminum pool gates this is also an ideal option for walkway gates when a home has small children or pets as they can easily nudge past a fence that is left unsecured.

No matter how you look at it the purchase of a perimeter fence and driveway gate is never a waste. When is comes to the installation of aluminum fencing it is important to note that this expense is virtually always recouped in the sale of the house.  Which is a win-win situation for you as a homeowner.

iFenceUSA is an online manufacturer and distributor of wholesale aluminum fencing. With over 18 styles of aluminum fence panels and gates to choose from, we have aluminum fences that will meet your wants and need.  Choose from custom aluminum fencing options including: Commercial Grade Aluminum Fencing, Residential Grade Aluminum Fencing, Pool Grade Aluminum Fencing, and Industrial Aluminum Fencing all at https://ifenceusa.com/.  For more information contact one of our aluminum fence experts toll free 800.762.2907 or via email at info@ifenceusa.com.

 

iFenceUSA

, , , , , , ,

7 Reasons Why Your Roof Should Be Installed by A Professional Contractor

Posted on by Creative Programs and Systems

If it’s time to replace your home’s roof, it’s best to leave such a huge and complex job up to the professionals. No matter how handy you are or how many DIY home projects you’ve done, you really shouldn’t mess with your home’s roof. Roofing contractors know what they’re doing and have installed numerous roofs before so for them your roof is just another day at the office. Skip trying to replace your home’s roof yourself and hire a roofing contractor instead.  Here are some additional reasons why you should leave roof installation to the professionals:

Years of Experience

The biggest factor is getting your roof installed by a roofing contractor is that they have experience. They also have the training and expertise need to do the job right, as well as the knowledge of the best materials and techniques.

They Will Get the Job Done Right

Since they have the experiences, shingle roofers will get the job done right. As professionals, they’ll take pride in the work and will make sure the roof is how it’s supposed to be and look to ensure customers are happy with the new roofs.

Roofing Contractors Know What Precautions To Take

Being on top of a roof can be dangerous, which is another reason why you shouldn’t do it yourself. With a professional roofing contractor, they’ll come equipped with all the necessary safety equipment needed to complete the job without any injuries or accidents.

Less Time Will Be Involved

If you hire an amateur or try to do your roof yourself, you might save a few bucks, but it’ll take you a very long time to finish! Roofing contractor knows what they’re doing and will get the job done right and on time so that you don’t have to spend months trying to finish the job.

Peace of Mind

Your home is important to you and roofing contractors will provide you with a new roof that will meet your needs so that you have peace of mind that your roof won’t be a shoddy job.

Increased Property Value

Hiring a professional to come and do your new roof will increase your home’s resale value by a lot.  A new roof is one of the best investments you can make when looking at returns on your investments.

Lower Material Costs

Contractors in general have the ability to get materials at lower costs than regular DIY homeowners.  Many will pass this material savings on to you in an effort to win the bid for your job.

Learn more about Home Pro Roofing and their vast line of custom roofing options installed by professional roofing contractors including: asphalt shingle roofing, metal roofing, roof repair, and new roof installation at www.homeproroofingmi.com.  Our roofing contractors offer services throughout Michigan including: Kalamazoo, Brighton, Lansing, and the surrounding areas.

Home Pro Roofing MI

, , , ,

7 Reasons Why Your Company’s Website Needs Professional Search Engine Optimization

Posted on by Creative Programs and Systems

In order to get your website coming up in the first few pages in Google when someone searches for services or products your company provides, you’ll need to have it optimized. These are certain keywords that will get your company’s website to the top of Google’s searches so that customers find you faster. Here are reasons why your company’s website needs professional SEO services:

Increased Reach online customers

Online shopping is huge right now and in order to get potential customers to your website, you’ll need the right keywords on your site so that when they enter one into a search engine, your website will be one of the first to come up.

Increased Organic Traffic

By optimizing your website, you will be able to increase your sites organic traffic, which is the number of visitors that come to your page without having to spend money on advertising. To do this, you’ll need to know what keywords to use for best search engine optimization.

Increased Return on Investment

By hiring SEO professionals, you’ll be able to get more eyes on your website, which will mean more ROI.

Increased Advantage Over Competition

To have an advantage over your competitors, a professional SEO company will make sure your website is SEO optimized so that you rank before your competitors.

Increased Online Presence

With the help of an SEO specialist, you’ll have a stronger online presence and become a preferred brand when users are looking for services or products that you offer. The right SEO help will put you front and center in the eyes of consumers and helps your brand become more credible.

Professional Results

Even though you might attempt to do your site’s SEO yourself, you might not know how to properly do it which is why you’re not getting the results you want. It’s best to have a professional SEO company do it since they know the ins and outs of all things SEO related.

Dedicated Online Marketing

The right search engine placement is important for your business and having a professional do all your SEO needs is like having your company’s very own dedicated SEO person on staff.

Learn more about Creative Programs and Systems, CPS, and the IT solutions they provide including IT consulting, computer consulting, network consulting, networking, server installation, IT disaster recovery, computer repair, virus removal, malware removal, computer tune ups, data backup systems, computer troubleshooting, structured cabling, low voltage wiring, website design, graphic design, logo design, website hosting, search engine placement, iphone app programming, android app programming, and custom programming at www.cpsmi.com.  To contact one of our IT experts, call 810.224.5252 today or via email at info@cpsmi.com.

Creative Programs and Systems

, , , , , , , , , , , , , , , , , , , , ,

Spring is Here: It’s Time to Put Your Home Up for Sale

Posted on by Creative Programs and Systems

If you’re thinking of putting your home up for sale, now is the time to do it. Spring has always been known as the best time to sell a home because buyers are eagerly looking to make a purchase that allows them to be settled before summer is here. The weather is warm but not hot, people are out and about and are much happier than any other time of year.  This makes it an ideal time for buyers to look for new homes during this time of year. The real estate market is a year-round thing, but spring really sees a lot of movement in terms of interested buyers. Here are a few more reasons why you’ll want to put your home up for sale this spring:

The Newness of Spring Makes Your Home Look Better

A huge reason why you should put your home up for sale in spring is the fact that the warm weather, the green grass and all the flowers are blooming so potential buyers really see the beauty in your home. Spring’s many factors really set up a pretty view of your home that ups the curb appeal and attracts buyers.

The Days are Longer and There Is More Sunlight

Because there’s more sunlight during spring, which means potential buyers have more time to view your home than in winter. You can have home eyeballs look at your home throughout the day and this only increases your chances of selling your home fast!

Closing Corresponds with The End Of The School Year

If you have kids, chances are you want them to close out the school year at their current school. If you sell in the spring, you’ll most likely close right around the time school finishes, which mean no interruption in their school studies. And they’ll be able to start the new school year at a new school.

Tax Returns Lend to Higher Down Payments for First Time Buyers

Spring is usually a time when first-home buyers start looking for home since they’ve just done their taxes and have more money to use for their down payment.

More Buyers Equals Possible Bidding War and Higher Prices

Selling in spring will increase your chances of getting the most bids for you home with the highest prices. There are been plenty of research that shows the first two weeks in May have higher returns on houses than any other time of year.

Learn more about C21 Lady of the Lakes Realtors and the numerous services they offer including: buying a new home, selling a home, or renting a home at www.ladyofthelakes.com.  To contact one of our real estate agents call 734-426-6060 today.

 

 

Creative Programs and Systems

, , , , , , , , ,