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Import Car Insurance Tips: Get Covered Without Getting Ripped Off

Property Insurance Michael Ryan
Ever found that perfect car online, the one that was never sold in the U.S., and thought, "I have to have it"? I've seen...
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What Income Counts Toward IRMAA in 2026? Complete MAGI Calculation Guide

Health Insurance Michael Ryan
You're 63. Your tax preparer says your AGI is $105,000. Comfortably below the $109,000 IRMAA threshold. You relax. Two years later, at 65, you...
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Part D IRMAA 2026: How Income Affects Prescription Drug Premiums

Health Insurance Michael Ryan
Your 2024 Modified Adjusted Gross Income (MAGI) determines whether you'll pay Part D IRMAA surcharges in 2026 through Medicare's two-year look-back rule. If you're a single filer earning...
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Medicare IRMAA Calculator 2026: Estimate Your Medicare Surcharge by Income

Health Insurance Michael Ryan
The term "IRMAA" can feel like a penalty for a lifetime of hard work and saving. It's the Income-Related Monthly Adjustment Amount, a surcharge...
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Medicare Part B Premium 2026: Cost, Deductible & IRMAA Increases

Health Insurance Michael Ryan
The couple sat across from me, both retired 18 months. Staring at a letter from Social Security. Their financial advisor had told them to...
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IRMAA Calculator – Estimate Your Medicare Surcharge (2026–2028)

Health Insurance Michael Ryan
You can trigger a five-figure Medicare premium increase with a single large taxable event. And not see the IRMAA Surcharge bill until two years...
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Need Help Choosing The Best Types of Disability Insurance for Individuals?

Long Term Care and Disability Insurance Michael Ryan
Are you prepared for the unexpected? Have you considered what would happen if you were suddenly unable to work due to a disability? It's...
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Do You Need Long-Term Care Insurance? Long Term Care Insurance Explained

Long Term Care and Disability Insurance Michael Ryan
Have you ever pondered the possibility that you'll need long-term care services as you embrace your golden years? It's a reality that many individuals...
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How to Actually Find Someone’s Car Insurance (and Why Most Online Lookups Fail)

Property Insurance Michael Ryan
The screech of tires, the crunch of metal, and the sinking feeling of a car accident as you watch another car speed away. that’s...
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Stop Worrying About 2026 Medicare Premiums. The Game Is Already Underway

Health Insurance Michael Ryan
You’ve spent decades planning, saving, and investing diligently. Now, on the cusp of retirement, you’re confronted with a penalty for your success: the Income-Related...
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