Gary Hufstetler, CLU,ChFCwww.garyhufstetler.com

With Medicaid, the government may limit benefits for specific services or require additional criteria be satisfied before approving or paying benefits. This may mean that Medicaid only pays for care in certain nursing homes or limits the type and number of home health care services. Do not compromise your level of care. Seek additional long-term care coverage.

Some insurers increase premiums for cars that have higher rates of damage or occupant injury. And cars that do better in safety tests? They're more likely to get you lower rates.

Cell phone units that allow the hands to be free offer no safety advantage over hand-held units.

Most people's belongings are often worth more than they think. That's one reason why you need Renters Insurance.

Move cars inside a garage and keep your car and house keys with you. Have your emergency kit ready and keep your radio or TV tuned into the weather reports.