Marsha Morris Insurance Inc.

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Marsha Morris Insurance Inc. Celebrating 35 years in the insurance business.

09/05/2026

Curiosity has no age limit! Learning new skills and hobbies, challenging your mind, and participating in creative activities can all help boost brain health. Get more tips for staying sharp and independent: https://go.medicare.gov/45ZlQLG

08/29/2026

A small handful of walnuts a day may lower your cholesterol. It may also protect against inflammation in your heart’s arteries. Walnuts are packed with omega-3s, healthy fats called monounsaturated fats, plant sterols, and fiber. The benefits come when walnuts replace bad fats, like those in chips and cookies. https://wb.md/4gy3VR3

08/25/2026

📋 WalletHub scored every state across 46 indicators in three buckets: affordability at 40% of the total, quality of life at 30%, and health care at 30%.

That weighting explains most of the surprises. Affordability is the heaviest input, so tax-friendly, low-cost states rise even when their medical infrastructure is thin.

Wyoming ranks 1st in affordability and 33rd in health care. Tennessee ranks 4th in affordability and 47th in quality of life. Nevada is 5th in affordability and 45th in quality of life. Alabama and Mississippi both land in the top 10 for affordability and the bottom three for health care.
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The reverse pattern is just as clear. Massachusetts is 2nd in the country for quality of life and 2nd for health care, and 48th in affordability, which drops it to 23rd overall. Vermont is 3rd in quality of life and 47th in affordability. New York is 12th in both quality of life and health care and dead last in affordability, finishing 45th.

Only a handful of states are strong in all three. Colorado is 19th, 19th, and 3rd. South Dakota is 15th, 25th, and 4th. Minnesota carries the best health care ranking in the country and finishes 5th despite ranking 33rd on cost.

The bottom of the list is Kentucky at 50th, Oklahoma at 49th, and Mississippi at 48th.

Two cautions before anyone books a moving truck.

First, a national ranking is a state average, and you do not retire in a state average. Health care access in Bozeman is not health care access in eastern Montana. Cost of living in Naples is not cost of living in the Florida panhandle.

Second, the weights are somebody else's. If you take three medications and see two specialists, health care is not 30% of your decision, it is most of it, and this ranking is not built for you. Rebuild it with your own weights before you use it.

The honest use of a list like this is to generate a shortlist, not to pick a winner.

08/25/2026

Cost Plus Drugs website OK

08/24/2026

If you’re looking for a new doctor who takes Medicare, visit https://go.medicare.gov/4wT1Wxi to compare health providers in your area. Search by distance, practice type, specialty, and more.

08/24/2026

🔒 An obituary is a tribute. It is also, read the wrong way, a completed security questionnaire.

Exact date of birth, birthplace, mother's maiden name, the home address, the names of every child and grandchild: that combination is most of what a bank asks before it resets a password.

Leave those out and the tribute still works, because age at death, city and state, first names of survivors, the work, the church, and where to send memorial gifts carry the whole life without carrying the identifiers.

Two details that get published together deserve their own mention: the service time and the family's address, which together announce exactly when a house will be empty.

The reason any of this matters is timing, since credit files stay open until someone reports the death, and thieves work that gap.

Send a copy of the death certificate to Equifax, Experian, and TransUnion and ask each to flag the file as deceased, and notify the Social Security Administration and the IRS as well, even though the funeral home often reports to Social Security first.

Then watch for the calls, because collectors sometimes pursue survivors for debts they do not personally owe, and in most situations family members are not responsible for a deceased person's debts, with exceptions for joint accounts, co-signed loans, and some community property states.

Callers also pose as the funeral home over an unpaid balance, or circulate donation links that route to no one, both of which arrive when a family is least able to scrutinize them.

None of this argues against publishing an obituary, only against publishing the four or five fields that do nothing for the memory and everything for a stranger.

New York's Division of Consumer Protection issued a warning on exactly this in June 2026, which is a fair signal of how routine it has become.

If you wrote one recently, which of these details did you include without a second thought?

P.S. Once a week, I email the best money article I read, with my take on this week's top Facebook posts and what's new on the Ways to Wealth blog. It's free, and you can sign up on the Ways to Wealth home page.

R.J. Weiss, CFP®



The content shared here is for educational and informational purposes only. It is not personalized investment, tax, legal, or financial advice. Consult a licensed professional before making decisions based on your specific situation.

08/23/2026

🏦 Updated version of our most-asked-about Medicaid post, with the top reader question answered inside.

In most states, a single Medicaid long-term-care applicant can keep only $2,000 in countable assets.

For married couples with one applicant, the non-applicant spouse can keep much more under the spousal impoverishment rules, up to $162,660 in 2026 depending on the state.

The question readers asked most: no, you generally do not have to sell your home to qualify, because a primary residence is often exempt while you are alive, subject to state equity limits of $752,000 or $1,130,000.

The catch comes later: after death, Medicaid estate recovery can seek repayment from the estate, including the home, unless a surviving spouse or another protected exception applies.

That is why heirs who inherit and sell the house can face a Medicaid claim against the proceeds, and why the exemption during life is not the same as protection after it.

Spend down also does not mean giving assets away: gifts or sales below fair market value during the 5-year lookback trigger a penalty period of ineligibility.

Countable assets include cash, brokerage accounts, and second homes, while one vehicle, personal items, and small funeral trusts generally stay exempt.

An irrevocable trust can help with planning, but only if structured correctly and funded outside the lookback window, which is exactly the kind of decision that needs an elder law attorney.

Has your family had to navigate Medicaid's asset rules, or is this planning still ahead of you?

P.S. Once a week, I email the best money article I read, with my take on this week's top Facebook posts and what's new on the Ways to Wealth blog. It's free, and you can sign up on the Ways to Wealth home page.

R.J. Weiss, CFP®



The content shared here is for educational and informational purposes only. It is not personalized investment, tax, legal, or financial advice. Consult a licensed professional before making decisions based on your specific situation.

Address

Murray, KY

Opening Hours

Monday 8am - 4pm
Tuesday 8am - 4pm
Wednesday 8am - 4pm
Thursday 8am - 4pm

Telephone

+12709787656

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