Tax Deadline Extended for Texas Residents

Winter storm Uri affected many Texas residents leaving them without electricity and water for days.  The Internal Revenue Service (IRS) announced on Monday, February 22nd tax deadline for Texas residents would be extended until June 15, 2021.  The extension is for any...

Retirement Plans Tax Relief Due to Covid-19

In 2020, Americans facing financial hardship due to the Covid-19 virus received assistance from Congress through the Coronavirus Aid, Relief, and Economic Security (CARES) Act.  Eligible taxpayers were given a tax relief when funds were withdrawn from their 401K plan...

Tax Season Will Start February 12th

The Internal Revenue Service has announced you can file your 2020 tax year return starting Friday, February 12, 2021.  Due to the COVID-19 pandemic, the IRS urges all taxpayers to file electronically with direct deposit as soon as all required documents are in hand to...

Christmas Celebrations at Home

This holiday season will be unlike any other due to the ongoing Covid-19 pandemic.  The Center for Disease Control has recommended minimizing social gatherings due to health and safety concerns.  Christmas has always been a holiday full of traditions surrounded by...

Celebrating Thanksgiving During Pandemic

Covid-19 cases are again on the rise with Thanksgiving just a few weeks away.  This year Thanksgiving festivities may look a bit different.  Because of possible restrictions you won't have a packed house, instead it'll be just your immediate family.  Or you may decide...

Trick-or-Treating Safely During Pandemic

Just as most things this year Halloween will be different from previous years.  The traditional ways of celebrating Halloween are now frightful as doing so could bring risk of spreading COVID-19.  For kids especially, times can seem scary but with a plan in place you...

Weatherproofing Your Home for Fall

When protecting your home, what comes to mind?  Installing a security system, adding burglar bars or purchasing a home insurance policy.  All of these ideas can keep you safe especially having a home insurance policy that backs you up.  But what about mother nature?...

How Will COVID-19 Affect Life Insurance

Many of our lives have changed due to the COVID-19 pandemic.  Our new normal has us wondering whether we need to purchase life insurance for our family.  With life insurance you can be certain that your family will be financially stable in your absence.  Depending on...

Taking a Road Trip Safely During Pandemic

It's the summer, for the most part we have all been staying at home.  Now that some states have lifted their Covid-19 restrictions, a summer road trip is a great getaway.  If you are taking a road trip, you will need to do more planning and preparation than you have...

Deadline to File Your 2019 Tax Return is July 15th

Due to the COVID-19 pandemic, earlier this year the IRS postponed federal tax filing and payments.  The usual deadline of April 15th was postponed to July 15th 2020.  You did not have to file any forms to request the extension since the IRS automatically postponed the...

Are You Prepared For Hurricane Season?

Each year, we see the flood related devastation caused by hurricanes around the country.  The State of Texas is no exception.  With the start of hurricane season that began June 1st are you prepared?  Before a storm hits, make sure you discuss with your family an...

Keeping Kids Active This Summer During COVID-19

When schools closed due to the COVID-19 pandemic, you had to manage homeschooling and working from home.  Now your summer plans have likely unraveled in part due to the pandemic.  You are having to rethink if you should send your child to a summer camp or area camps...

Some Useful Links for You to Get Started

It seems like you’re running a default WordPress website. Here are a few useful links to get you started: Migration How to use WordPress Migrator Plugin? Migrate WordPress from Siteground to Cloudways Migrate WordPress from GoDaddy to Cloudways General How do I take...

Tax Refund Myths

As the tax deadline of April 15th approaches we are all anxious to get details regarding our refund.  This leads to tax refund myths circulating on social media that are easy to believe.  There is no secret way to find out when your refund will be issued, but there...

When Can I Expect My Tax Refund?

Now the question most of us have who already filed is when is my tax refund getting here?  The IRS announced that they have begun processing tax returns since January 28, 2019.  Although the government reopened, the shutdown affected many tax programs yet to be...

Ways Federal Workers Can Protect Credit Scores

Two months into the government shutdown and there is finally a light at the end of the tunnel.  But there are over 800,000 federal employees who did not receive a paycheck for at least two pay periods.  Some have probably gone through savings or got help from family...

Tax Credits You Need To Know About

Tax credits save many families thousands of dollars each year when they file their tax returns.  The Tax Cuts and Jobs Act eliminated several tax deductions but the majority of available tax credits have remained.  When tax planning, you should know the difference...

Financial Resolutions For 2019

It's the new year and great time to focus on setting up your financial resolutions.  We all do this every year; resolve to get better at managing money.  We are successful for the first couple of weeks and then the good habits lapse when something in a store or online...

New Year’s Insurance Checklist

Can you believe we are just a few hours away from 2019?!  At the start of every new year we always come up with a resolution of some sort.  For many of us it may be to get in better shape, travel more, get organized or save more money.  Some resolutions are rarely...

Here’s How to Track Santa On Christmas Eve

The most wonderful time of the year is finally here, and we are all waiting for Christmas festivities to begin.  Adults and kids alike count down the days until Christmas Eve as waiting for presents from Santa Claus.  Thanks to today's' technology kids can use online...

Electrical Safety Tips for A Safe Christmas

The holiday season is in full swing now with Christmas just a couple of weeks away!  There is nothing that says Christmas like beautiful holiday light displays throughout our communities.  But all the lights, inflatables and other electrical installations come with a...

Guide To Winter Proofing Your Home

Depending on where you live, winter can range from extreme cold temperatures or a beautiful cold sunny day.  But beyond the inconvenience, severe weather conditions can cause real damage.  Protecting your home is vital as a frozen water pipe can burst and flood your...

Cyber Monday Consumer Safety Tips

Cyber Monday, usually the Monday after Thanksgiving, is one of the biggest days of the year for online sales.  Shoppers can usually snag exclusive deals and bargains during this 24 hour online shopping period.  But does a rise in online shopping also mean a rise in...

Happy Thanksgiving From Premium Insurance!

Sometimes we face hardship after hardship that we forget there is still so much to be grateful for.  So this Thanksgiving, remind yourself of what you are thankful for and share that gratitude with others.  At Thanksgiving dinner, take turns going around the...

Choosing The Right Health Plan In Marketplace

As you are aware, marketplace open enrollment began on November 1st and is due to close on December 15th.  With open enrollment you can renew your current plan or choose a new one.  Signing up for insurance in marketplace has become easier but choosing a health plan...

Eligibility Information For Marketplace Coverage

The health insurance marketplace is now open through December 15th.  You must meet a few requirements to be eligible to enroll for marketplace health coverage.  You must live in the United States, be a U.S. citizen and not incarcerated to be eligible for marketplace...

Marketplace Enrollment Is Now Open

Marketplace for 2019 is now open from November 1st and runs through December 15th.  You can still enroll outside the open enrollment period but only if you qualify for a Special Enrollment Period.  If you enroll outside of the allowed period it should be because you...

Cleaning Financial Skeletons Out Of Your Closet

Chances are this Halloween you may run into some cute skeletons trick or treating in your neighborhood.  These may not give you much of a scare unlike the financial skeletons hiding in your closet.  Even one financial skeleton lurking around can impact your financial...

Ways To Manage Money Wisely

With October being National Financial Planning Month take action to improve your financial health and manage money wisely.  Whether you are actively paying down your debt or trying to save money, improving your financial health does not have to be complicated.  And...

The 50/30/20 Budget Rule

In our previous blog, we discussed evaluating your finances for a stronger financial future.  Now that you have created a budget and know how much you are spending where.  Have you thought about how your financial allocation compares to the amount you should ideally...

Evaluate Finances For A Strong Financial Future

Many of us receive our bank statements at the end of the month to find we spent more than we thought.  That is when we start to evaluate finances to see where we can cut costs.  To avoid this problem you can create a monthly budget and find a way to manage your debt. ...

October Is National Financial Planning Month

October is National Financial Planning Month and a good time to start planning your financial future as years end approaches.  Reviewing this past year will be the first step to changing things up for the new year.  You will have a plan on how to do things differently...

Placing a Credit Freeze on Credit Report

Several companies recently announced cyber security incidents that affected a lot of people.  We as consumers do our part by signing up for fraud alerts and monitoring our credit.  But even with these tools and services we are still facing situations where our...

Why Is A Good Credit Score Important?

Knowing your credit score is important if you plan on purchasing a new car or home.  It is just as important to know what your credit history and score tells companies you are applying to.  Here is how it works, Equifax, Experian and Transunion, the three major credit...

Check Your Child’s Credit Report

As parents, we focus on our children's safety, education, health and happiness but we overlook matters that can affect their financial future.  In this instance, we tend to overlook their finances by never checking their credit report.  For most children under the age...

What’s Behind The Celebration of Labor Day

Labor Day pays tribute to all the contributions made by American workers and is observed on the first Monday in September.  It originated during the height of the Industrial Revolution where the average American worked 12-hour days seven days a week.  You could even...

What Is Your Back-to-School Budget Missing?

Many of us are excited to see our kids go back to school, however the expenses associated with them starting school can add up.  Your back-to-school budget always includes new outfits, backpacks, pens, pencils, and notebooks for you kids.  But are you financially...

Getting Your Child Ready For New School Year

The last weeks of summer are slowly creeping upon us and a new school year is right around the corner.  A new school year is a big transition whether you're ready for school to begin or dreading busier days.  Always encourage your children that once they start school...

How To Prepare Summer Gear For Storage

Now that summer is almost over, it may be time to start preparing your summer gear for storage.  Proper storage will keep your summer gear safe from damage in the event of rainstorms.  Keep in mind it is just as important to clean each item before storing them in a...

How Pools Affect Homeowners Insurance

This summer Texas has reached record elevated temperatures.  But you can easily escape the heat if you are one of those lucky homeowners with pools in your backyard.  Pools add value to your home but at the same time increase a homeowner's insurance premium.  A pool...

Using Instagram As A Travel Tool

  You probably have an Instagram account set up to share photos of your day with friends and family.  But did you know Instagram can be used as a travel planning tool as well.  With so many advances in technology, you no longer need to purchase travel guides or...

Should I Consider Purchasing Travel Insurance?

Traveling the world is one of the best activities you can enjoy in life.  But what can you do if your trip is interrupted for reasons beyond your control?  That is when travel insurance comes into play to protect you from unexpected problems that may appear on your...

RV Insurance For Summer Road Trip

This summer you are changing things up a bit for your yearly family vacation.  You want memories to last you a lifetime as your children are growing up so fast.  So you have chosen to buy a recreational vehicle (RV) and travel across the country.  An RV offers all the...

Avoiding Fourth Of July Common Insurance Claims

The Fourth of July is right around the corner and we’re gearing up to celebrate with friends and family.  This year you will probably be hosting a party while grilling burgers, hotdogs and probably setting off fireworks.  But before heading out to buy party supplies...