Motorcycle Insurance: Factors to Consider

Motorcycle Insurance: Factors to Consider

how much is motorcycle insurance

One of your biggest expenses related to the vehicle, if you own a motorcycle, would be insurance. Whether your vehicle is a scooter or a high-end sports bike, you should obtain the best possible insurance policy that meets your needs and offers the lowest possible premium. If you are looking for motorcycle insurance, you would like maximum protection at a minimum cost and might be asking how much is motorcycle insurance. You can click Here to get quotes.

When it comes to insurance, age is the most commonly considered factor. In general, men under 25 are more likely to file an insurance claim and, therefore, attract higher premiums.However, this coverage does not cover damage to you or your property. Total coverage insurance or a comprehensive policy is one that covers you, your property and other passengers on your bicycle, regardless of whether the accident was your fault or that of another person.

In addition, most insurance companies offer additional discounts if you can store your motorcycle in a safe place, such as a garage or shed, which reduces the chances of it being run over, shattered, stolen or damaged by natural elements. Even if you don’t have a building to store your bike, you can save money if you are parked in an area covered by a surveillance system.Installing your motorcycle with the latest accessories for anti-theft, such as satellite tracking, disk locks, and alarms is a great avenue to save some cash on your motorcycle’s insurance costs. However, these devices can cost several hundred dollars; Therefore, always check with your insurance company before buying them to make sure that the savings you will see in insurance premiums will be worth the additional expense.

Female and older cyclists are considered safer, and the premium is usually lower. The nature of your work can also play a role in determining the award. Newer, more attractive and more expensive bicycles automatically attract higher rates because the chances of being stolen are much higher than those of an older bicycle. So, if you have an option and have a tight budget, it is better to buy a normal bike than the latest models in the market.

In addition to obtaining insurance coverage for your bicycle, you can also obtain liability insurance, which saves you a lot of money if you are involved in an accident. With this insurance, the insurance firm pays for whatever damage to individuals and property involved in any crash in which you are guilty.

Buying a House and Homeowners Insurance

Buying a House and Homeowners Insurance

You can increase your chances of getting a cheaper quote by becoming your “disaster proof” home. There is at least some potential danger no matter where you live you need insurance quotes from https://www.averagehomeinsurancecost.org. Even if you don’t have to worry about earthquakes, tornadoes or hurricanes, always worry about fire. You never know when a big hail storm can damage your roof. If the rain is heavy enough, a little amount of water can become a big river. Installing reinforcements such as blinds can help you save on home insurance.

Although we often refer to home ownership as a central component of the American dream, it is important that we have a realistic view of the obligations and needs involved, if at all, to really be a dream rather than a potential nightmare! Prior to carrying out a search for a house, carefully process introspectively, objectively, while examining and considering your own reasons, your personality, what keeps you satisfied/happy and whether this is a good way for you. Once you determine what is best for you and you are sure of what is needful, it is imperative that you consider clearly and analyze what you can afford. This means proceeding responsibly, well-planned and considerate, focused on preparing for the many contingencies of home ownership.

Before selecting a specific homeowners insurance policy quote, read everything carefully. You must know exactly what it covers and what it does not cover.What could make moss problems worse? Your homeowner’s insurance policy may not cover damage. It is the norm for homeowners insurance firms to carry out routing inspection of the condition of a home they will provide insurance for. This is also common for those who are refinancing. However, if your ceiling is very dirty, the homeowner’s insurance company may ask you to clean it. Sometimes they cancel a policy completely, especially if this notification is ignored.

Standard homeowners insurance will not protect you against earthquakes, earthquakes, landslides, landslides and other earthmoving losses. Remember this when determining how much coverage you should have. Also, carefully read each and every one of the policies for which you receive a quote, including terms and exclusions.

There are certain regional threats that may require coverage, such as hurricanes, earthquakes, heavy snowfalls or tornadoes.Since even small streams can become large rivers if there is sufficient rain and melting snow, flood insurance is also quite common in most areas. The most effective way to search and find home insurance is online and compare quotes. Find out if you are eligible for a discount and read the reviews of various companies. 

Health Insurance: Compare and Obtain Affordable Health Insurance

Health Insurance: Compare and Obtain Affordable Health Insurance

You can purchase coverage for everyone in your household. Progressive Health by eHealth offers medical, vision and dental Medicare Supplement plans. As a trusted provider, eHealth will give you health coverage at a reasonable price. Medicare Supplement plans is vital to you. peace of mind. With medical coverage, you can rest easy knowing that you can afford to receive treatment whenever you need it.

When you choose to purchase a plan through eHealth, the cost will be no different from if you purchase it from one of our providers. This free service can suggest plans that suit your needs and budget. Whether you need a coverage plan during the yearly open enrollment period or a qualifying life event, eHealth will recommend the most suitable plan. It can also assist you in applying for the Affordable Care Act tax credit. You can ask eHealth about what the Affordable Care Act is. It will also help explain how you can apply for a government subsidy or the health coverage you may need. eHealth will also give you answers about how to compare plan benefits and costs.

Health Medicare Supplement Plans for Individuals and Family

Individual Health Plan

It can help you pay for the overall health care cost when you meet an injury or suffer an illness. Having medical coverage will help you pay for a variety of health care services, like routine doctor’s appointments, emergencies, and prescription medicines, among others. It comes with a monthly premium, copayment or a deductible.

Family Health Coverage

Just like an individual health plan, the family health plan will help you pay for your healthcare costs. The only difference is that a family health plan includes your spouse and eligible children through the same plan.

Short-term health coverage

This temporary coverage can last from three months to three years, depending on the plan you choose. Generally, it gives you coverage for a certain period. Compared to most major plans, temporary health coverage is 80% cheaper. However, it includes limited benefits. For instance, a short term plan will not cover a pre-existing condition. It also does not cover maternity leave.

Vision Health Plan

You can get coverage as low as $6.99 a month and you can purchase it from eHealth. Most health plans do not cover eye care. Thus, if you include vision Medicare Supplement plansin your plan, it can also help in reducing overall out-of-pocket expenses for your routine exams. It can also cover you for eyeglasses and contact lenses.

Dental Medicare Supplement plans

The dental health plan on eHealth can start at $8.85 a month. It is an affordable dental plan that can help cover your basic care and preventive care, like cleanings and dental fillings.

Affordable Care Act (ACA) Plan

eHealth can help you apply for a government health Medicare Supplement plansplan. Keep in mind that it is not easy to apply for it. But eHealth will assist you at no extra charge. It can guarantee that your application will be submitted on time.

Health Savings Account Health Plans

HSA plan is less expensive than other major health plans. It lets you gain interest with no tax on your health savings account. You are also allowed to deduct your contribution from your taxable income.

Medigap and supplemental health plan

Medicare health Medicare Supplement planswill cover you for medical, hospital and several others. Medigap, on the other hand, will cover you for copays and deductibles. There is a standalone prescription drug program that can pay for your medication cost. Use eHealth tools to find Medicare Supplement plansplans in your area. The tool will guide you in choosing the right plan from over 200 Medicare Supplement plansagents.

Health Medicare Supplement plansfor small business

If you are a business owner, you can browse for group health Medicare Supplement plansand discover insurers and coverage. To get a small business health coverage, though, you need to register at least one employee and contribute to employee’s premiums. ACA requires businesses to offer affordable health plans to full-time employees. Failure to do so will mean paying for a tax penalty.

The size and location fo the business can assist in determining the overall cost of a group health plan. The ACA requires that the employee’s health will not affect the rates for the said health plan. Choose to offer your employees with multiple plans. Some of them may opt for out-of-network doctors and dentists. But these plans will involve a higher premium. A cheaper plan may also be accessible but with restrictions.

Group dental health plan

For your small business, you can have several options. Free cleanings and regular checkups are part of the group dental plans. Buying a group dental plan through eHealth entails no extra charge. You can easily compare a wide variety of plans from several insurers.

Group eye care Medicare Supplement plans

It can pay for your eyeglasses, eye exams and other medical care related to your eyes. This type of plan is typically obtained as part fo your regular small business health insurance. As a small business owner, you can purchase a group health Medicare Supplement plansand obtain a tax incentive.

Critical illness Medicare Supplement plans

Regular health coverage will include out-of-pocket expenses. With a critical illness health plan, you will receive a lump sum cash payment to help you pay for the costs related to your serious medical issues. It does not work like a traditional health plan, In this case, it reimburses you for covered claims. It also does not include copays or deductibles.

Telemedicine

It is a type of healthcare service that does not require you to visit your doctor’s physical clinic or office to undergo treatment. With telemedicine, you can access a health professional and ask about your health condition. Doctors can easily diagnose patients this way. For that reason, you must purchase a plan via eHealth. Most plans here can cover the overall cost of telemedicine, which is an affordable way to obtain healthcare without having to leave your house. Having a telemedicine plan will lower the overall cost of receiving diagnosis remotely.

Can Addicted People Get Life Medicare Supplement plans in 2020

    Can Addicted People Get Life Medicare Supplement plans in 2020

In Canada, the use of drugs in the population may be extensive or low, depending upon how you look at it. A survey was conducted and found that Canada has an 11% alcohol or drug dependency problem in their country. This does not relate to those who use drugs for recreational use. The number can be much bigger when marijuana and alcohol and probably those people who use illegal drugs, such as heroin, crack, and cocaine.

Are you seeking Medicare Supplement plans in 2020? Taking drugs, gotten by other means, may or may not be a problem for the person looking to gain a life Medicare Supplement plans in 2020 policy.

Many physicians now a days are looking to stop practicing medicine for whatever reasons. The medical community has grown considerably and we need all the services they provide. Having a dependence on any drug, can be very costly for the patient and the premiums one must pay for a health care Medicare Supplement plans in 2020 policy. Physician assistants are becoming more numerous, as well as, nurse practitioners to help take on the flow of the medical needs of a community.

When a fire hits your home, you need to have many protocols in place to be able to move quickly and leave your home safely. Before any fire happens, a homeowner needs to figure out a plan that is the best way to get out of the house. Children should be taught to get low to the floor, because the air down there will be more breathable to be able to crawl out of the room. Stop, drop and roll is a must, if one finds any part of themselves on fire. When everyone is out of the house, they should have a plan, as to where they should all meet, to make sure all the family members are safe.

When seeking employment, an interview will contain many negotiations. One being the discussion of the salary. Listen to the interviewer carefully and be confident. You may suggest the salary you wish to receive and then remain silent, as they determine if this is acceptable to the employer or not. Hold onto your beliefs that you are worthy of this amount of salary and present your qualifications to justify why you should receive the salary you request.

Humana Health Insurance

Humana Health Insurance

Humana health insurance is a popular product for the company. But it has other individual insurance products. Apart from health plans, you can also choose dental and vision care. You can also purchase its life and supplemental products. You can access its health plans in various states, such as Kentucky, Michigan, North Carolina Tennessee, Texas, etc.

The company is based in Louisville, Kentucky. It serves over 13 million members in the country. As a member of Humana, you can access its wellness programs. One of them is Humana Helps that teaches members regarding the Affordable Care Act (ACA). It also provides a reward program or HumanaVitality. The said program encourages members to exercise and stop smoking. It also motivates its members to donate blood and undergo preventive screening exams.

As one of the largest health insurance companies, Humana has a wide network of healthcare providers. It is easy to discover a healthcare provider that is part of Humana’s network. Its network consists of more than 350,000 healthcare providers. It also has over 3,000 hospitals. Since 1961, the company has been operating in the healthcare industry. However, the business started in the nursing home care industry before selling health insurance.

How to Pick the Right Plan

You can find a variety of health plans from Humana. However, you must remember that there is no one-size-fits-all when it comes to health plans. That said, you must perform thorough research first before making the final decision. The first thing you can do is to compare plans. And evaluate every plan according to its premiums and coverage.

When you start studying the plans available, you may be tempted to pick the first plan that you see, especially if it seems that it meets your medical care needs. Remember though that choosing a plan without conducting thorough research would only put your healthcare at risk.

The Best Protection to Obtain

short term health insurance

Humana health plans can vary depending on their prices, benefits, and networks. To obtain the best coverage, you must shop around first. When picking a plan, though, you must not purchase it because it has the lowest price. Health insurance can be confusing. That’s why a lot of people pick a plan based on the monthly premium. But it does not work all the time.

Your healthcare cost goes beyond your premiums. Keep in mind that besides the monthly premium, you need to pay for coinsurance, deductibles, and copays. Ignoring these details would make you pay more for out-of-pocket expenses or premiums. That said, make sure that you study your options and do not focus on the monthly premium of the plan. Instead, evaluate the overall cost of the health plan.

To assess the plan, consider your current healthcare needs. Review your options and find out more about how much you will spend on out-of-pocket expenses. You should also study the various monthly premium costs. By evaluating these factors, you can surely make a well-informed decision. When you have the right plan, you could save money on your healthcare in the long run.

Cost-Sharing

Humana health plans work like other health insurance policies. That is, they involve cost-sharing. That is, you and Humana will share for the cost of your deductible, copays, maximum out-of-pocket expenses, as well as coinsurance. These expenses will make you spend over $7,000 a year for an individual policy or more than $14,000 if you get a family plan.

For that reason, some of its members would obtain supplemental plans that can cover out-of-pocket expenses. They are beneficial if you get sick or have a serious health issue. The health expenses can damage your family’s financial stability. Some individuals filed for bankruptcies because they could not handle the overall cost related to treating their critical illness. But you can be sure that the Humana health plans are affordable. The products will also assist you in your financial gaps. You can be sure that you get coverage if you are hospitalized or met an accident.

Important Health Insurance Terms

Humana utilizes different terms when talking about your health plans. Some of the important health insurance terms you must know are the following.

Premium

This is the amount you must settle per month, whether or not you utilize your health plan.

Deductible

You should pay it in full before your policy will start paying for your treatment. For example, if your deductible is $1,500, you must pay it first before your Humana health plan will begin covering your healthcare. Some Humana health plans will cover preventive screenings 100%. That is, the cost of screening will be covered by your plan even if you have not settled your deductible yet.

Coinsurance

It is a percentage of prescription drug costs that you must pay out of pocket. You will pay it after satisfying your annual deductible. The percentage depends on your plan.

Copay

It is a fixed amount that you must pay each time you get a medical service or purchase a prescription drug.

Maximum out of pocket

It is the maximum payment you can make to your covered expenses. If it si get quotes by visiting https://www.shorttermhealthinsurance.orgIt includes copays, coinsurance, and deductibles. After reaching the limit, Humana will pay the medical services and drug costs for the remaining months of the year.

How Much You Can Afford

When shopping for Humana health insurance, you must know how much you can afford. There are several things to consider. One of them is to choose a higher premium so you will pay a lower deductible. This is a cost-effective option if you have a medical condition. That is, you will pay more upfront. But if unexpected things happen, your policy will begin to pay for your covered costs quicker.Another option is to choose a lower premium. But it comes with a higher deductible. It is ideal if you do not have a medical condition.

Your monthly payment is lower. But when you need treatment, you will have to settle a higher deductible. And you must pay for it before your policy starts paying your covered healthcare cost. On the other hand, you can file for financial assistance. It can offset the healthcare premiums, as well as out-of-pocket expenses. Unfortunately, not all people are eligible for assistance. The best thing is that Humana’s health insurance plans are affordable.

Tips for Living a Health insurance optionsy Life After Retirement

Tips for Living a Health insurance optionsy Life After Retirement

“Retired in Peace” is often a word that is heard many times but rarely comes true. Inflation is an inevitable factor that strikes financial difficulties with difficulty if you ignore the changing trend of the economy.To accomplish the first three words of this article, we ask you, our loyal reader, to take your valuable time to analyze the points mentioned below:

a) Start early

The best way to start is to save money from the first day you start earning. It is vital to save at least 10 to 20% of your salary, except pension funds, to make your retirement options easy. Review your health insurance options for healthcare. However, providing high quality patient care, productivity and cash flow is never easy. And to make matters worse, payer regulations and guidelines change all the time.

Therefore, the best way to deal with the situation is to outsource medical billing. Nowadays, you can easily access the practice medical billing service of any size. You’ll get a full range of practice management solutions that will free your team from the complicated tasks of billing and shipping physicians. And the best part is that you can focus on patient care.

These are three things you should know if you want to start your medical practice soon.With proper treatment and support, people with HIV can live long and health insurance optionsy lives.

Few Features Of Cardiac Care Insurance Policy:

There are 2 sections of the policy. Section 1 is normal cobra health insurance options insurance with PED covered after 48 months, a 2% room limitation, medical fees and nursing charges subject to a maximum of Rs.5000 per day and fee liability. Package is limited i.e. 80% of package rates.

If you have dependents, you will need different insurance compared to your only friend.

I lost my job a year ago, my salary every monthly went from five digits to zero in two weeks. Looking back, I could say that getting fired was probably one of the best events of my career. When that happened, I was emotionally devastated.Another way to save money is to check if there is a manufacturer discount present for the drug. Now if a patient is qualified for discount from a manufacturer, there is likelihood to get the prescription at a low price.These tips, combined, will save you a lot of money on prescription drugs for people with or without health insurance options insurance.

Trends in American Health Care: Old, Fat, and Lazy

Trends in American Health Care: Old, Fat, and Lazy

The recent AMA Executive Summary “Health in the United States: Trends in Health Care” contains some hope and much sadness. To learn more visit https://www.healthinsurancequotes2020.comBy 2050, the population segment over 65 will double from today to 83.7 million. This means that the prevalence of chronic diseases will increase dramatically. Since  the year 1990, the number of smokers has reduced from 29.5 percent to 18.1 percent of the adult population. For this reason stroke decreased by 34 percent, cancer by 17%, and heart disease by 27%. Sounds good, however, since 1990, the adult obesity rate (defined as BMI over 30) has increased from 12% to 29.6%.

Even if Alzheimer’s does not invade your immediate family, you are likely to challenge a friend, neighbor, relative, colleague, or professional counselor. The more you know about Alzheimer’s disease, the better equipped it is to offer sensitive support, you will know what to say and when to say it, what questions to ask and what to leave alone, what kind of assistance is needed and the courage to offer it over there. In other words, you can be the voice of HOPE that will help others to FACE and also be the light at the end of someone else’s tunnel.

Regardless of the promises, each new program has certain challenges, and this, due to its complicated nature, will be no exception! There will be no way of knowing how much it will really cost (after all, Medicare is paid for a lifetime after we retire and we need extra insurance to cover much of the rest of the costs). )!The total cost of this approach is affected by many factors, including: prescription drug costs; payment schedule for doctors and hospitals; if doctors accept Medicare fees for their entire practice; if existing negligence laws are modified/limited, etc.

Even after all the expenses, you need an additional policy, a prescription drug plan, or you risk extreme costs. An additional consideration is that believing physicians will permit the affordable Medicare fees for their whole patient base. Won’t it be sensible to adjust and improve instead of trying to reinvent the wheel?Is quality care a privilege or a right? If, like many Americans you think it’s a right, ask that your elected officials act accordingly, rather than politically, as always! A little amount of insurance for your own property is beneficial, but really is the insurance liability you want and need. Insurance liability can be useful for many situations where it can be found.

Antique Motorcycle Insurance Advice

Antique Motorcycle Insurance Advice

How to get motorcycle insurance for a vintage/Antique motorcycle

Many people choose to restore and show off old motorcycles as a hobby. But even these vehicles require some kind of coverage to guard against accidental risks. For this reason, many individuals seek motorcycle insurance for a vintage motorcycle. There are many companies available that offer motorcycle insurance for a vintage motorcycle, and many companies specialize in vintage motorcycle insurance. By having a wide range of motorcycle insurance companies to choose from, consumers can choose the right type of insurance for their needs.

Auto insurance companies

Many commercial motorcycle insurance companies may also provide motorcycle insurance for a vintage motorcycle. Also called collection motorcycle insurance, these policies fit the motorcycle you are trying to insure. A motorcycle insurance representative will take all your information and discuss the different policy options to ensure the required coverage. They will also help you decide which types of coverage are within your target budget and what deductible and threshold levels will be required. Have you ever wondered how much is motorcycle insurance is?

Buying motorcycle insurance for a vintage motorcycle through a commercial motorcycle insurance company will give the insured a peace of mind, knowing that the company with which he has chosen to do business is an established and reputable company. Policy retention may also have your daily use vehicles insured with the same company. The security of having an established company that provides motorcycle insurance for a vintage motorcycle is well worth the premium you will be charged for providing insurance for your vintage motorcycle.

Independent Insurance Companies

There are also many independent insurance companies available to buy motorcycle insurance for a vintage motorcycle. These companies tend to specialize in old motorcycle insurance and do not insure any other type of motorcycle. Some of these independent insurance companies only insure a specific type of vintage motorcycle; therefore, if the motorcycle you are trying to insure is rare, it may be challenging to find an insurance company to insure it. Now, when choosing an independent insurance firm to offer motorcycle insurance for a vintage motorcycle, make sure the company is reliable. You do not want to find out that after months of paying insurance premiums, the company will not or will not be able to pay your insurance claim.

Getting auto insurance for a vintage motorcycle can be a time consuming and onerous process, however, the benefits of owning motorcycle insurance supersedes the initial hassle of getting insurance. Many old vehicles are worth thousands of dollars and this is a huge loss if the vehicle is stolen or totalized. Having motorcycle coverage for an old vehicle could prove to be the most valuable insurance you have ever purchased.

An Independent Review of Rental Car Insurance 3

An Independent Review of Rental Car Insurance 3

Collision Damage Waiver (CDW): Some car rental companies also call Loss Damage Waiver (LDW). It is generally known as insurance, but this is incorrect. It is really a warning. When you purchase this protection, the car rental company disclaims liability for damage or theft of the rental vehicle. If something happened to the car, it would simply submit a quick claim form when the car was returned and the car rental company would pay to repair or replace it. The price of this protection usually ranges from $15 to $25, depending on where you are renting. Caution: This coverage may be void if you cause an accident and violate the law. This includes accelerating, off-road driving or drunk driving, so be careful when driving a rental car or any other car.

If you have a lower limit, such as $10,000 for material damage liability coverage, consider purchasing collision damage exemption, as this low limit may not be sufficient to pay for the rental or repair of the rental car. Remember that you may also be liable for damage to other people’s cars or property if you are involved in an accident and are determined to be guilty, and car rental companies will charge you for the loss of rental income for the car that spoiled. These are all important factors that must be taken into consideration when deciding to purchase collision damage waiver so click here to get car insurance quotes.

Another advantage of this coverage is that there is no deduction. This can be helpful if you have been involved in an accident covered by the car insurance policy and are renting a replacement car while the car is in the shop being repaired. You will see in this scenario that any damage to the rental car would be covered by its comprehensive coverage or collision, meaning that you would have to pay the deductible.

Excessive Liability: The law requires car rental companies to provide a minimum amount of liability protection for renters of their vehicles, but this is rarely enough to protect their interests if they seriously injure someone in an accident. The liability portion of your personal car insurance policy will be transferred to your rental car so that you have adequate limits for personal injury and property damage liability in your personal car insurance policy. We do not recommend purchasing this coverage. This coverage will only be paid after the limits of your personal auto insurance policy are exhausted. The price of this protection is about $ 10 to $ 13 a day, for an excess of $ 1 million protection.

Navigating Medicare Part D

Navigating Medicare Part D

Having adequate medical coverage is much more complex than it seems. If you receive Medicare, your drugs are usually covered by Medicare Part D; this can be done directly by Medicare or a pre-approved private company.

Before starting or ending any new type of coverage, you must be sure of the repercussions of what you are doing. If you are enrolled in a Medicare Advantage plan through a private insurer, also called Medicare Part C, when you enroll in a prescription drug plan (Part D), you can be expelled from your Medicare advantage plans. This is only the case if Medicare Advantage plans has a prescription drug plan.

Another thing to consider is the period of enrollment in Medicare. Registration is open from October 15 to December 7. If you are eligible for Medicare, you can choose to change or discard coverage. The change will take effect on January 1.If you are eligible for Medicare and wish to enroll in a prescription drug plan, you have a period of seven months to participate. Three months before your 65th birthday, the month of your birthday and the next three months is when you can join. If you miss this application period and request late coverage, you may be responsible for late application charges.

There are some exceptions to this. Special enrollment periods include if you leave your plan’s service area, stay in a nursing home or lose other credible coverage. You can change, add or discard coverage whenever these things happen. The disadvantage of this is that Medicare Part D has associated costs. There is a monthly premium for which you are responsible, as well as deductibles and co-payments. Some insurers are equipped to deduct their monthly premium directly through their social security check each month, saving paperwork and energy.

In addition to the costs of having the plan, you should know how much the plan costs. Each plan, whether direct Medicare or a private insurer, has a specific form of what drugs they cover and to what degree. If you take multiple medications, keep in mind that not all plans are the same. Some medications cost more with some plans, while they are cheap with others. Make sure the plan you choose finally covers all the medications you can take. Navigating through Medicare is difficult, but this section should at least help you get started in the right direction. Research and make changes that are best for you. But don’t expect too much; you must make changes in a timely manner so that they are made within the open application period.