Tag Archives: savings

National Farmers Market Week

National Farmers Market Week

It’s National Farmers Market Week, and it’s the perfect time to try your local farmers market!

Start off by finding a farmers market near you!

Why should you be shopping at farmers markets? Whether you’re looking for great savings, healthy food and fun, or supporting local business, you’re covered.

Why You Should Be Shopping at Farmers Markets

 

To make the most of a farmers market, make sure you’re prepared.

Making the Most of a Farmers Market

 

If you’re interested in getting organic fruits and veggies, farmers markets are a great stop. 

Organic 101

 

After you’ve bought fresh produce at the farmers market, make sure you clean it well.

Cleaning Before Eating

 

Buying locally can be good for the environment and your community, which is just another reason to shop farmers markets.

Shop Local!

 

Afraid to commit to a beautiful ingredient at the farmers market? This tool can help you find recipes based on ingredient.

Perfect Ingredient

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Planning for a Happy Retirement

Long View: How Much Money Do You Need for Retirement?

Benjamin Franklin’s saying, “a penny saved is a penny earned,” is still true today, especially when thinking about retirement. I think about the possibilities once in a while, but it seems too far in the future to worry about it right now.

I know in my grandparents’ day, retirement didn’t require much planning. Most folks didn’t live long enough for it to be a problem. These days with modern medicine, longevity is a much more attainable goal. It’s the actions we take to prepare for it that have the most impact on our quality of life.

The United States Census Bureau says people age 90 and older make up 4.7 percent of the population 65 and older. That’s expected to be as high as 10 percent by 2050.

I used an online retirement calculator to find out how much I should have saved at this point in my career. The results indicated I was well under my goal. The predictions were based on a life expectancy of 92 years, a daunting prospect at this stage of the game.

I have been meaning to increase the amount I put aside for retirement, but it seems I just don’t get around to it. Benjamin would advise me to “never leave that till tomorrow which you can do today.” Having looked into the future, I will definitely take some action. Even a slight increase now will make a difference in the long run.

“Obviously the earlier you start to save for retirement the better,” says Bob Ballsrud, executive vice president of Busey Wealth Management. “Our younger clients often invest in more growth assets because they have the time to recover from any temporary downturn. More mature clients often are encouraged to lower their risk because they will need to access the funds sooner. Either way, it’s the consistency of action and the appropriate planning that help you meet your goals.”

I know there are a number of factors to consider before retirement. It seems advance planning is the best course, or as Ben tells us, “Employ thy time well if thou meanest to gain leisure.”

Plan Ahead with Health Insurance

Part of planning for your future is making sure you can cover medical and hospital costs when you need to. Learn more about Medicare, wellness, and health insurance in general at HealthAlliance.org.

Getting a Great Deal

Getting the Best Deal

“I’m always looking at ads to see who’s got the best deal,” Melissa Whitman says.

Who doesn’t love saving money? But how are great deals and health insurance connected? They may be more similar than you think, at least when you see doctors in the Health Alliance network.

“Many of our members are surprised how much they save by staying in-network,” says Melissa, a Health Alliance claims manager. “Going out-of-network can cost members twice as much, and the even more unfortunate part is they often don’t realize that until after their visit or procedure.”

With thousands of doctors and hospitals in-network (and the list growing daily), you don’t need an eye for a good deal. We have people like Melissa for that. Melissa can help with just about anything related to getting your covered care paid for.

Stepping into her cubical proves instantly there’s a lot more to Melissa than claims processing. Her family. Pictures of smiling faces decorate every open space.

“We’re always together. Cooking out,” she said. “In the summer they’re at my pool, and we just got done mushroom hunting.”

Melissa has quite the eye for those hard-to-find morels. For as long as she can remember, mushroom hunting has been an annual adventure.

“The whole family goes. Even my 89-year-old grandma gets her mushroom stick and gets in the woods,” says Melissa with a laugh.

She sums herself up simply. “I’m a city girl. I love my work, my family, and a taste of the country,” she says.