Newhouse Financial Group

06/02/2026

Before you start house hunting, find out what you can realistically afford. This calculator factors in your income, debts, and down payment to give you a number.

Estimate how much home may fit within your budget based on income and expenses.

06/01/2026

In Medicare, creditable coverage means your existing prescription drug coverage is expected to pay, on average, at least as much as Medicare’s standard Part D coverage.

Why it matters:
If you have creditable drug coverage and delay enrolling in Part D, you can usually avoid a late enrollment penalty later.

Employers or other plans outside of Medicare are required to notify you each year whether your coverage is creditable.

05/31/2026

The cold never bothered me.❄️

05/30/2026

15 years or 30? The mortgage term you choose matters more than you might think. Compare your options and see what works best for your situation.

Compare different mortgage term lengths side by side to find the option that fits your budget.

05/30/2026

Sometimes the answer really is that simple. 🐕😂

05/29/2026

A Medicare-certified provider is a doctor, hospital, or supplier approved by Medicare to provide services to beneficiaries. As you review Medicare coverage, you'll see this phrase frequently: the coverage is in effect ONLY "if the provider is Medicare-certified and accepts Medicare assignment." What this really means is that Medicare will NOT pay its portion of covered services if you use a provider that is not Medicare-certified. Watch for this to make sure you don't end up paying more out of pocket.

The bottom line: Always confirm participation before scheduling services.

05/28/2026

Do you actually know what your car costs you in fuel each year? Enter your driving habits and gas prices to find out what your MPG really means for your wallet.

Calculate your vehicle's fuel efficiency and see what you're spending on gas annually.

05/27/2026

A rider is an add-on to an insurance policy that modifies or enhances your coverage.

It can add benefits, expand protection, or customize your policy to fit your needs. This often comes at an additional cost, of course, but the actual cost will vary a lot by type of insurance and type of rider.

Examples include long-term care riders on life insurance or accidental death riders.

Think of a rider as a way to personalize your coverage.

05/26/2026

Do you know the risk factors that can lead to cognitive decline?

Try these activities to keep your brain sharp.

05/25/2026

Term life is affordable, but it’s temporary. Most plans expire at the end of 10, 20, or 30 years, as defined in the original policy. When your plan ends, you typically have three options:

1 - Renew your Term Life plan (premiums will increase)
2 - Apply for a new Permanent Life policy
3 - Convert to permanent coverage (if your policy allows)

If you only need a few more years of protection, renewing may work. If you need lifelong coverage, permanent insurance like whole or universal life could make more sense. And if your health has changed, a conversion option may allow you to secure coverage without another medical exam.

Don’t wait until your policy has already expired to think about your options! If your term policy is ending in the next 6 to 12 months, now is the time to talk it through with a licensed agent you can trust. We’re here to help!