Livingston Reporting - page 145

Medicare Supplemental Insurance Plans Available in Michigan

Michigan Medicare enrollees who are signed up for Original Medicare, Part A and Part B, may find that not all their health care expenses are covered.  To cover the gaps that are left with Medicare Michigan participants can choose to enroll in one of ten different Medicare Supplemental Insurance Plans, otherwise known as Medigap.  These expenses can include copayments, coinsurance, deductibles, and other extra healthcare expenses.

It is best to enroll in Medigap insurance plans during your six-month open enrollment period which begins the first day of the month you turn sixty-five and are enrolled in both Medicare Part A and Part B.  During this period, if you have any medical problems, you are still able to sign up for Medicare supplemental insurance plans in Michigan.  There is no medical underwriting required during the open enrollment period, premiums are not based on pre-existing conditions, and choosing a plan is completely up to you.

Once the six-month open enrollment period has lapsed, you may still apply for Medicare supplemental insurance plans however during this period you may be required to undergo medical underwriting, pay higher premiums, and can be denied coverage based on pre-existing conditions.

Comparing Medicare Supplemental Insurance Plans in Michigan

Michigan Medicare supplemental insurance plans costs may vary a great deal depending on the insurance company it is purchase through and where you are located.  Medigap benefits, no matter where the insurance is purchased, are the same.  Medigap Plan A from Blue Cross is the same coverage you will receive from Medigap Plan A from Humana.  To determine what Medigap plan is best for you do a comparison between plans to evaluate which plan is the best for your healthcare needs and budget.

It is crucial to evaluate and compare all the available Medicare supplement insurance plans within Michigan.  Medigap brokers can offer a comparison between plans and premiums to help you find what you are looking for and what plan makes the most sense for you.

The most popular Medigap plan for Michigan Medicare enrollees is Plan F, which is no longer going to be available as of 2020.  It is the most comprehensive Medigap plan for beneficiaries to choose.  The benefits of Medigap Plan F include:

  • Medicare Part A Coinsurance & Hospital Costs: Up to an additional 365 days after Medicare benefits are exhausted
  • Medicare Part B Coinsurance/Copayments
  • The first 3 pints of blood
  • Medicare Part A Hospice Care Coinsurance/Copayments
  • Coinsurance for Skilled Nursing Facilities
  • Medicare Part A Deductible
  • Medicare Part B Deductible
  • Excess Charged in Medicare Part B
  • Foreign Travel Emergency Coverage: Up to the plan limits

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!

Growing Your Business Using Reliable Freight Services

When it comes to growing your business, it is important to work with a company that offers complete and reliable freight services.  Your success comes from a number of elements working together throughout your business most of which rely on the support of a consistent logistics provider.  Reliable transportation services are used to keep the flow of products coming and going in an efficient manner.  This is done by finding a logistics partner that offers an approach to your freight distribution that is strategic to your business’s needs.

Key parameters to evaluate freight partners:

  • Logistic support that aligns with your time and budget constraints: Logistic partners must understand that each company has individual requirements in regards to their unique time limitations and regulated budget. Different levels within your company may have differing needs when it comes to time and budgets, so it is important that the logistics support received adjust with each unique layer of your business as needed.

 

  • Logistic support that offers one unified system for your freight transportation needs: When logistic support comes from one complete system there are fewer hassles and less costs associated with service. It allows employees to be trained and rely on one platform thus avoiding unnecessary training and outside support services.

 

  • Logistic support that provides automated processes for your specific company: Not all logistic support services can be automated however when services can be they should be.  Automated services allow for more efficient and quicker results.

 

  • Logistic support that is trackable through a single dashboard: Logistics that can be controlled and tracked through one platform helps to create a sound system. One reliable point of access for logistics allows for a perfect flow of service.

 

  • Logistic support that handles your freight management challenges: When challenges arise, you want a logistic team that can handle the complications and create solutions that are optimized for results.

 

  • Logistic support that performs even during peak periods: It should not matter when services are needed your logistic support team should perform as expected every time. Whether it is during a period of slow operations or peak plus logistics support should allow you to flawlessly operate.

 

  • Logistic support that helps you stay ahead of competitors: If logistics support providers are working to grow their technology and business delivery then they won’t be able to do this for you. Growth within their operations will transfer to you which allows you to stay one step ahead of your competition.

 

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.

Turn Your Bathroom into An Oasis Through Bathroom Renovations

When it comes to creating a space where homeowners renovate for the sheer purpose of relaxation look no further than the bathroom.  Bathroom remodeling, in the last few decades, has come a long way in creating an oasis that can be thoroughly enjoyed in a different manner for each member of the family.  Bathroom contractors have complete knowledge on implementing various designs and strategies into your bathroom renovation to create an oasis for your family.

Bathroom Renovations Using Mirrors and Clear Glass

The bathroom is a space within the home where families migrate to relax and escape free and clear from the stresses of the day from work, kids, and more.  One strategy that contractors use to help create a unique, oasis like bathroom space is through the strategic use of mirrors.  Using large mirrors in the bathroom renovation design helps to create the sensation of a more substantial room.  Mirrors make smaller rooms appear less cramped.  Another option in bathroom renovations to enhance the size of the space is to use clear glass partitions.

Remodeling Bathrooms Choosing the Best Sink Styles

Instead of using a traditional white porcelain sink in your bathroom, contractors specializing in bathroom renovations choose copper handmade vessel basins, natural stone, ceramic, or glass.  These sink vessel materials when used in conjunction with proper fixtures, tiling, paint, and more can provide you with am undeniably serene vibe.

Maximize Natural Lighting During Renovations to The Bathroom

Natural light is not easily replicated.  When a bathroom doesn’t have outside light entering the space it is important that the soothing, natural feeling it offers is replicated.  Certain lighting elements can be used to emulate natural light while other contractors will suggest bringing natural light into the space through the addition of windows and/or skylights.

Increased Light Features in Your Bathroom Remodel

Bathroom contractors use lighting to brighten up bathroom spaces making them appear clean, sleek, and modern.  Bright lighting, with the ability to dim, create an oasis atmosphere.   Light fixtures, as well as the type of bulb that is used can change the entire vibe of the space.  Crystal lighting often enhances the crisp, clean lines that contractors emphasize within the bathroom space.

Proper Bathroom Flooring, Accessories, Fixtures, and More

Bathroom contractors really pull a space together through proper flooring, accessories, and fixtures.  Little elements used together and arranged properly create a clean look that emphasizes comfort and size.  All the choices from the floor to the vanity, from the toilet paper roll to the towel holder, each helps to create a soothing retreat while maximizing your bathroom space.

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

7 Things to Know About During Asset Recovery

Asset recovery is the specialized technique that allows companies to go into facilities and complete electrical tear downs and manufacturing plant clean outs.  Companies specializing in asset recovery take resources that are no longer being utilized and resell them after they are put through the reconditioning process. This technique allows materials that would be normally disposed of and allows them to be sold.  Electrical surplus recovery companies do complete manufacturing plant clean outs, taking materials that are going to otherwise be disposed of and turning them into usable assets.  Below, we are going to look at the definitions that one should know during asset recovery and purchasing electrical components that are new, used, recycled, or refurbished.

Recycling:

Harmful materials and disposal costs of material waste can be reduced with recycling.  In the recycling process materials are converted during plant clean outs, generating income as well as preserving resources.

Reuse:

Equipment and electrical components often can be reused in other manufacturing facilities after a plant is closed.  Re-using equipment allows older equipment to be replaced with internal resources before the need arises to make an external purchase.  If the equipment is not currently needed but could be used in the future can be put into storage for later use.  Reusing idle equipment helps companies reduce depreciation, taxes, and capital.

Reconditioning:

This process begins with electrical components and machinery that has previously been used.  Companies recondition components by taking them completely apart and rebuilding them.  This process is done often during plant clean outs as a way of generating capital.  Components are refurbished and sold to other users at a discounted price.  The process of reconditioning reduces waste and allows companies to offer like new components for resale.

Reclaiming:

This process involves solvents, chemicals, lube oils and more that have been used to be reclaimed and reused, most often in a manner in which they weren’t initially used.  This allows companies to cut down on waste while being environmentally friendly.

Reselling:

When used or reconditioned surplus inventory is sold.  This occurs when it is no longer viable or useful to the company and there is no reason to store it for reuse later on.

These processes keep companies from literally throwing money away in dumps.  Manufacturing plant clean outs allow materials to be reconditioned or sold as used through electrical surplus recovery shops.  Companies that go in and process industrial plant clean outs greatly help companies recover capital from their previous investments.  It is important to extract every bit of value out of your initial investment.

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.

Do-It-Yourself: Aluminum Fencing Installation

Would you like to get an aluminum fence for your home, but you are hesitating because you do not know if really you can really install it on your own? Aluminum fencing is one of the easiest style of fence to install, even novice do-it-yourselfer can have a new aluminum pool fence or perimeter fence installed in a weekend.   Aluminum fences are available in a multitude of designs from basic to ornamental. Many models look like an old iron fences with special rails and posts. However, unlike iron, aluminum fences tend to be more cost-effective, easy to install, and effortless to maintain.

Fencing Shipped Directly To You For Ease

Wholesale aluminum fencing is shipped factory direct to your home from online manufacturers ensuring you the best value and most convenience when shopping.  Aluminum fencing is sold in individual panels that are already put together in specific sizes depending on your needs.  Posts and gates are also designed specifically for your project.  As a homeowner you will want to get an accurate measurement and plan in place before ordering.  Aluminum fencing customer service specialists will guide you through the planning, ordering, and installation phase.

When installing your homes new aluminum fence, it is important that you have the right tools and materials in place to get the job done properly.   Without preplanning and the right tools for the job, homeowners create more work for themselves.

Installing Your New Fence

Installing your fence starts with a basic plan where stakes are placed where posts will be installed, and string is strung to illustrate the perimeter of the yard. Once you are pleased with the placement and layout you will want to start digging one post hole at a time.  Dig a hole, insert the post, and repeat making sure that each post goes into the ground at the same depth.  Add concrete around the posts, slide in the aluminum fence panel, and repeat the process properly positioning new posts and fence panels as you move around the perimeter.  Once the panels are in place you can add more concrete around each post.  Before moving between sections of the fence it is crucial to ensure the top rail of the fence is level.  Once the first section is in place homeowners will want to continue down the fence line.  As progress is made make sure to check the fence remains level as it is easy to fix before the concrete dries but not so much after!

Finishing Your Fence Install With A Gate

Once the fence is in place it is time to install the aluminum gate.  This aspect should be straightforward and can be achieved using the same tools and materials you have used to install the fence.  Once the gate is in place and you have subsequently checked to ensure the fence is level.  As with any do it yourself project it is important to thoroughly read all instructions and guidelines.  Don’t be afraid to ask questions from your online wholesale aluminum fence retailer during the installation process as this is part of the customer service experience when shopping aluminum fencing online.

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.

 

Professional Roof Installation Increases Your Roofs Life Expectancy

Do it yourself home improvements are quite popular however, there are a few renovations around the house, such as a new roof, that are better left to the professionals.   Online instructions and YouTube videos may make it appear simpler than it really is.  Regarding new roof installation, replacement roofing, and roof repair an expert in roofing is more than worth their value.

Roofing contractors have years of experience in their field.  No video tutorial can provide the knowledge that comes from years of training and experience that professional roofers have.  Professional roofers are aware of how different materials will adhere to the homes roof and the different tools needed to do the job correctly.

Roofing is incredibly technical and if even one aspect is altered, or a step is missed problems can arise later down the road.  Skilled roofing contractors know what problems to look for, what triggers leaks, and what damage needs to be looked for in replacement roofing and roof repairs.  Roofing contractors are not only qualified they offer varying degrees of warranties while providing services that are insured.  Licensed roofers have experience that go a long way to increase the life expectancy of the roof.

Benefits to Professional Roof Installation

  • Increased home value: Replacing your homes roof can increase your homes value upwards of $15,000.
  • Improved Appearance: Quality roofing, installed properly will provide your homes roof a flawless looking surface. Choosing a complementary color of shingling can enhance the overall look of the home as well.  Shingle roofs can duplicate the look of several materials from slate to tile but with the increased lifespan of asphalt.
  • Greater Warranties and Roofing Guarantees: For roofs installed by professional roofers the standard material guarantee is anywhere between twelve to eighteen years. When using premium materials, a home’s roofs guarantees can be upwards of fifty years.
  • Roofing Technology: Contrary to popular belief, some types of asphalt roof shingles have a power star rating because they’re designed to reflect solar heat, therefore reducing cooling costs for a longer life span.
  • Prevention of Inspection Issues: Whenever a home is put up for sale, the roof is one of the very most visible features -not merely to prospective home buyers but also to building appraisers and inspectors. A roof in poor condition can stop a home deal. That is why it’s best if you get a professional roofing contractor to do the installation as they know what to go for.

Finding the Right Contractor

Your homes roof is a large investment.  It is important to take your time to find a professional, reliable roofing contractor to get the job done. Never allow yourself to compromise quality for price.

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.

Professional Kitchen Renovations Can Increase Your Home’s Value

A kitchen renovation is one of the smartest ways to add value to your home and you can achieve this by hiring a licensed contractor. Real estate experts agree that a well-designed and updated kitchen attracts buyers. Whether you are doing a complete kitchen remodeling or simply making a few updates, homeowners can improve the appeal of their home and increase the value with a professional kitchen renovation.

According to the industry, a homeowner can expect to recoup about 95% of the cost of a major kitchen remodel. This makes it one of the best remodeling choices for homeowners looking to increase their home value. A modern kitchen makes your home more valuable and more attractive to buyers when the time comes to sell.

The kitchen is the heart of a home. It is a place to gather as a family, visit with friends, and share meals. Because it is one of the most popular rooms in the house, kitchens tend to suffer a lot of wear and tear over time. Countertops, appliances, and flooring can get worn and damaged, decreasing the style and appeal of the room. Below are some common areas of interest that are addressed in remodeling.

  • Kitchen renovations may include knocking down walls to add space or redesigning the layout to improve functionality. Homeowners have the chance to design the room they have always wanted. Make the most of it by increasing storage space and improving traffic flow.
  • Consider upgrading your appliances to high-efficiency models. Not only can they save you money in energy costs, you may be eligible for tax rebates. Be sure that your electrical wiring and plumbing are properly installed by a licensed contractor to prevent damage and ensure that your appliances will work correctly.
  • Your existing cabinets can be re-surfaced, or you may decide to replace them entirely with new ones. A licensed contractor will help choose a countertop surface that will blend well with your cabinets. Stone, especially granite, used by a licensed contractor when doing your kitchen remodeling gives your kitchen an up-scale and classic look that will last the lifetime of your home.
  • Hardwoods and ceramic tiles are the most popular choices for kitchen flooring. Both materials are attractive to buyers and need very little maintenance to look good.
  • Lighting is extremely important in the kitchen. Ambient lighting will keep the room bright. Task lighting illuminates the food prep and cooking area. Under cabinet lighting can accentuate the beauty of your room.
  • A wall color that will accentuate your new cabinets, flooring, appliances, and countertops. Consider the addition of a colorful backsplash or accent wall to create a focal point in the room.

Kitchen remodeling is a large project and can take months to fully complete. Discuss a timeline and a specific budget for your project with a licensed contractor so you will know what to expect.  Not every homeowner is willing or able to complete a large-scale kitchen remodeling. Even minor improvements can change the entire look of your kitchen and make it more appealing to potential buyers. Whether you are selling your home or simply want to improve the room’s appearance, small projects like painting or replacing outdated appliances with a licensed contractor can make a big difference to the value of your home.

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.

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.

Professional Website Design Increases E-Commerce Sales

The world has entered an age that is fast becoming highly reliant on the internet for just about everything you can think of. These days, custom website services are gradually turning into a way of life.  There are many free template programs which allow businesses to create their own sites however, often template sites will not create the web presence you are looking for.  The internet is one of the most competitive arenas for businesses.  This makes it imperative to have a professionally designed and optimized website which allows you to out perform your competition.

Professional website design is important in increasing targeted traffic to your site. Studies show that potential customers and site visitors tend to visit websites that use complimentary colors, high quality images, offer a user-friendly design, and looks professional while providing valuable information in a straight-forward manner.

Custom website design for your company is an important aspect to your overall business enterprise. Companies specializing in custom website design have learned from years of experience that the key to a successful site is an easy to navigate design that successfully promotes their products and services.  In ecommerce sites success depends on getting targeted visitors to your website and ensure ease of purchasing.

There are many choices when it comes to hiring a professional to design and maintain your website.  Thankfully, this takes some of the pressure of designing, running, maintaining, and marketing your website off your shoulders.  Working with a company that specializes in websites makes a major difference in your online presence as they help to create and optimize a site that enhances the experience, targeted users have on your site while ensuring search engines know exactly who you are and what you offer.  Custom websites allow designers to strategically program your site to target your online market, build an online presence, and allow easy commerce to exist.

As mentioned above one of the web strategies that custom design allows for is search engine optimization, otherwise known as SEO.  Marketing your website for search engines is essential for success.  Experts in digital marketing have worked for many years to create a ideal method to promote your company online which often includes a combination of keyword research, original content, webpage creation for key elements, link building both in coming and outgoing, social media presence, and more.  These elements working in conjunction with one another to increase site traffic with higher search rankings on major search engines such as Google, Yahoo, and Bing.

Professional website design, especially e-commerce sites, are developed using sales increasing techniques.  Working together, e-mail marketing, pay per click, custom website design, increased internet marketing techniques, will all help you achieve a solid online presence and increases search engine rankings.

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.

Spring is in The Air: What to Look for When Buying a Home

Spring season is house-hunting season. It is time we leave our wintery slumber and decide to get going.  The sun is shining, the ice is melting, and everything appears shiny. If you are considering buying a home during the spring season, know very well what problems tend to show up after a long winter before making that offer.  It is crucial that buyers looking for a new home seek out the assistance of a real estate agent.  A professional realtor assists throughout the buying process in a number of ways including a pre-check for damage prior to the offer and inspection process.  Real estate agents are helpful in spotting common issues that can appear in homes after the spring thaw including:

Water Damage:

When snow melts the running water often can enter into basements, crawlspaces, or cement foundations.  If this occurs, it usually shows up in the form of yellow patches on inside walls or bulging paint patches.  These are not often spotted by excited homebuyers however real estate agents are well trained in finding these smaller issues that can easily be covered during the viewing process.

External:

It is crucial to thoroughly examine the exterior of the home when viewing homes.  Peeling paint, cracks in the siding, and an abundance of mold can be indicators of structural issues throughout the home.

Out of Sight:

Real estate agents will always have homeowners check out the crawlspace, attic, basement, and utility rooms.  These are the areas within a home that often conceal water and mold issues because these areas are often given less care when sellers are getting a home ready to sell.  However, the bones of the home need to be examined.  It is important to take a deep breathe in each of these areas to make sure that you are not catching notes of musty smells that can indicate moisture is getting into the foundation framing and insulation.

Roof Inspection:

Snow, sleet, and rainwater can cause havoc on roofs, especially when shingled with asphalt shingling. Although it may seem just a little silly, a set of binoculars should be used by a real estate agent or home buyer when going for a home viewing.  These can help you get an obvious look at the situation above the gutters. Cracks and curling could indicate the shingles need to be replaced.

Knowing potential trouble spots when buying a home before making an offer, paying for an inspection or worse yet moving in will help to make sure that home buyers make the best buying decision possible.  This is one of the reasons it is so important to use a real estate agent when buying or selling a home.

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.

Professional Shrink Sleeve Design Helps Increase Product Sales

Professional shrink sleeve labels are changing how consumer marketers introduce new products and services into the market. Product labeling is one of the principal ways to brand your product while sticking to a budget. Custom product label design as seen in shrink sleeves allows marketers a 360-degree space to lure a potential consumer.

Marketing is a major part of having a successful business.  Shrink sleeves offer companies a way to boost sales in an economy where attention spans are short and immediate gratification is something consumers seek.  If you are looking for a boost for a new product line or just an increase in product sales here are five reasons to consider shrink sleeves:

  • Shrink sleeve labels are designed to fit any product shape or size. Whether you are selling a case of peanuts in plastic peanut shaped container or a standard convenience store milk, shrink sleeves can give you a label that does more than encases your product. Not only are shrink sleeves perfect for individual product labeling they are a perfect way in which to encase the products within the label.  Custom shrink sleeve designs can comply with any imaginable product shape.
  • Shrink sleeve labels provide an unparalleled amount of safety from product tampering. Shrinks sleeves totally cover and conform with the product shape while encompassing the entire product, as stated earlier, making it much harder to tamper with. This is one reason that so many food, pharmaceutical, beverage, and chemical companies are using them today.
  • Typical labels only encompass the front of the package leaving the sides and back blank, basically useless space. Whereas shrink sleeves offer 360 degrees of marketable real estate that can be seen from any direction.
  • Marketing is an expensive venture for just about every product manufacturer. Certain product label options are not cost effective for your product.  Shrink sleeves however are produced from a thin-film of plastic material and is one of the least expensive options in labeling.  It is also the most cost friendly method of labeling if your marketing mix requires your product labels look to change frequently.
  • Another benefit of shrink sleeves in labeling is the huge selection of looks and choices that exist. They can be completely transparent, sparkle, semi opaque, completely solid, and more.

When looking to have a custom shrink sleeve design and manufactured for your new product look no further than the professionals at Anchor Printing.  They have experience in making shrink sleeve labeling work for you!

Learn more about Anchor Printing and their vast line of custom product label & packaging options including: Shrink Sleeve Labels, Flexible Packaging, Roll-Fed Labeling, Pressure Sensitive and Cut & Stack Labels at http://www.anchorprinting.com/shrink-sleeve.php.  To contact one of our label specialists, call toll free at 800.748.0209 or via email at info@anchorprinting.com.