Ways to Save on the High Cost of Prescription
Drugs
Adam Miller Agency, LLC
227 Monroe Turnpike 2nd Fl
Monroe CT 06468
Phone:203-261-5090
[email protected]
www.AdamMillerAgency.com
Almost 70 percent of Americans take at least one prescription drug, and 50
percent take at least two. They may be necessary and helpful, but there's
no denying that they can also be expensive. Here are a few ways to save on
prescriptions:
Talk to your doctor: He or she can help you save on prescription costs. If
your physician can write your next prescription for two months instead of
one, you'll minimize the dispensing fee.
Also, if your doctor recommends a new medication, ask him or her to
suggest other drugs that can be prescribed for the same condition. Contact
your insurer to see whether each is covered, what their co-payments are,
and if there are formulary exclusions. Check prices with a pharmacy, then
ask your doctor if he or she can order the less expensive one.
Doctors can usually prescribe generic versions of a drug. In most cases,
these versions are cheaper than the "name brand." Your doctor may also be
able to give you free samples provided by the drug company.
Check with the drug manufacturer: Many offer programs for those who
can't afford medications. If you meet their criteria, you could get your
medication free or at a significant discount.
Is Shopping Online
for Insurance Really
a Bargain?
Buying auto or homeowners
insurance on the internet seems
easy and cheap. But is it?
Discover how relying on the
web to protect your most
valuable assets could cost you
more - and put you and your
loved ones at risk - by
requesting my free guide, "The
Dangers of Shopping Online for
Insurance."
Just reply to this email and I'll
send it right out to you.
Eat and Enjoy: The Five-Second Rule
Rules
You're at the cafeteria about to take the last bite of your
homemade chocolate chip muffin, but you drop it on the
floor. Relax and enjoy: research out of UK-based Aston
University supports the five-second rule, suggesting it
may be okay for us to consume food that's been dropped
on the floor, providing it goes from floor to mouth in five
seconds or less.
Researchers tested a variety of foods and investigated
the levels of bacteria contracted after 3 to 30 seconds on different types of
flooring. The findings? Certain floors and certain types of food transfer
bacteria more readily: Carpeting is least likely to pass on bacteria, and tiled
surfaces, most likely. Not surprisingly, moist foods picked up more bacteria
when they came in contact with the floor than their dry counterparts.
If you picked up and ate that last piece of muffin, you're not alone. The
study found that 87 percent of people polled happily ate food they'd dropped
on the floor.
Quick Quiz
Each month I'll give you a new
question.
So, while science hasn't necessarily proven the five-second rule is totally
safe (the study still has to be peer-reviewed), it's sounding good. But there
is one exception: if your piece of muffin is covered in grime, skip that last
mouthful and bake another batch.
Just reply to this email for the
answer.
What Are Surety Bonds, and Do You Need Them?
Why was trick-or-treating
stopped during World War II?
Why Not Pass Me to
a Friend?
If you've enjoyed this newsletter
and found its information useful,
please forward it to a neighbor,
friend or co-worker by clicking
this link.
Recipe: Quick
Broiled Flank Steak
Serves 6
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2 pound flank steak
1/3 cup Worcestershire
sauce
2 cloves garlic, minced
4 tablespoons olive oil
Salt
Freshly ground pepper
Directions
Score the surface of the flank
steak with a sharp knife, then
place in a freezer bag with the
Worcestershire sauce, garlic,
and olive oil.
Marinate for at least 30 minutes
or up to 8 hours.
Preheat the broiler for 5
minutes. Lightly grease the
broiler pan. Remove steak from
marinade and sprinkle with salt
and pepper to taste. Place on
pan and broil 4 to 5 minutes on
each side.
Remove from pan and allow
steak to rest on a cutting board
for at least 10 minutes before
slicing. Cut into strips, ensuring
We often see the phrase "bonded and insured", but what exactly does it
mean? This refers to the process of bonding through surety bonds. Although
they are a form of commercial insurance at their core, surety bonds work
slightly differently: Generally speaking, they play a different role and fulfil a
different objective than other insurance policies by financially guaranteeing
that a contract will be fulfilled as originally agreed to by the parties to the
contract.
Person(s) bonded will:
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


remain compliant with a law, regulation, or contract;
be honest and forthright;
act with integrity;
be financially responsible.
Here are three important bond categories:
Commercial surety bonds: Permit, notary, public official, and license
bonds are required by law for certain types of companies.
Fidelity bonds: If you own a business, this helps protect you and your
clients/customers from employee theft or any act deemed dishonest that
results in a financial loss. For example, if a contractor's employee steals
some of a customer's belongings while on the job, a fidelity bond would
cover his and his customer's losses.
Contract surety bonds: If you're a contractor, you may need one or more
contract surety bonds (which include performance bonds, bid bonds,
payment bonds and maintenance bonds). These bond types guarantee that
the contractor will honor contract terms, such as what supplies he or she
provides, the price for the job, and the work to be performed.
Vacant Land Needs Liability Insurance, Too
If you own vacant land, you may assume it doesn't need insurance, but
unfortunately, that's not true.
Vacant land can be a breeding ground for liability lawsuits. You're
responsible for what happens on your property, meaning any accidents to
others could cause you big headaches. Although you're not legally required
to carry vacant land insurance, doing so will protect your other assets. If
someone is hurt on your property, you could be sued. Vacant land
insurance will help pay for injured parties' medical expenses, legal
expenses, and certain types of property damage.
Why do I need vacant land insurance?
you’re slicing against the grain.
Worth Quoting
This month, some famous
quotes on the topic of
Halloween:
Halloween is one of my favorite
days of the year. I have a strict
rule: I don't work on Halloween,
and I won't travel on Halloween.
Not for any reason.
Simon Sinek
The farther we've gotten from
the magic and mystery of our
past, the more we've come to
need Halloween.
Paula Curan
By the pricking of my thumbs,
something wicked this way
comes.
If you suspect trespassers may be using your land, you probably need it; if
you permit people to use your land, and they pay you for the privilege,
you're liable for anything that may happen to them. Even if they don't pay,
you're liable, but not to the same extent.
What can happen?



Hunters and fishermen pose heightened risks of injuries or fatal
wounds. Even when it's something that could be considered their
fault, such as falling into a creek.
ATV accidents: There were 1,701 ATV rider deaths during a fiveyear study, conducted by The Insurance Institute for Highway
Safety in 2013. One could have been on your land.
Hikers unfamiliar with the terrain can be injured, with resulting
liability claims.
Protect your assets
Insuring land isn't difficult, and it's reasonably priced, especially if it's an
extension of homeowners or farmers liability policies. However, you may
also need umbrella insurance, which will add liability coverage from $1
million to $5 million. If a lawsuit maxes out a homeowners or farmers policy
liability limits, this coverage kicks in.
To decide if you need vacant land insurance, consider your land's current
use and assess possible risks. Also, know your state's landowner laws.
Your agent will help you determine if and what coverage you may need.
William Shakespeare
Dear Great Pumpkin: Everyone
tells me you are a fake, but I
believe in you.
Linus/Charles M. Schulz
When witches go riding and
black cats are seen, the moon
laughs and whispers, 'tis near
Halloween.
Author unknown
"I'm so happy that Halloween
falls on a Wednesday this year!"
said no teacher ever.
Author unknown
This newsletter and any information contained herein are intended for general informational purposes only and
should not be construed as legal, financial or medical advice. The publisher takes great efforts to ensure the
accuracy of information contained in this newsletter. However, we will not be responsible at any time for any errors
or omissions or any damages, howsoever caused, that result from its use. Seek competent professional advice
and/or legal counsel with respect to any matter discussed or published in this newsletter.
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