E. S. Yaro & Associates

10/31/2023

Have you always wanted to learn how to play the piano? You took piano lessons as a child and wish to return to learning how to play! Are you retired now and want to learn how to play the piano?

What a great holiday gift to give to yourself or your teen.

You don't need to go out and get a piano unless you want to. You can learn on a keyboard as well. Talk to me before going out and purchasing one!

Check out my website and give me a call.

Anywhere in the United States 954-263-0009 sharri108@gmail.com

11/28/2022

From the Desk of E. S. Yaro,

Health Insurance is available in 2 flavors:
Medicare Advantage and Medicare Supplements.

It's not difficult. I can explain it in terms everyone enjoys. Just ask me!

E. S.Yaro & Associates in St. Augustine, Fl

elliot@esyaroassociates.com

954-260-3144

06/16/2019

Hi There Friends, Neighbors and Friends I haven't met yet:
Just a brief message here at the beginning of the summer. Coming up in October is Open Enrollment for Medicare. This is the time to ditch the plan you have and get something better! Or you can make the plan you have better by eliminating all of the copay's and getting paid to do it. One more thing, Did you know that you can get $75-$100 back from your Social Security Part B? Yep its true. How do you do that? You drop me a line that your interested and I will personally make an appointment with you to explain it. Will it cost you anything to get money back or to meet with me?- NO, not at all. You should find out what you are missing.If I can make your health insurance better, make you wealthier or put you in a better place then I'm doing my job! Talk to you later, Elliot

04/18/2019

Boy have I been busy! I forgot all about you guys, but not to worry let me catch you up. I have expanded my business in order to provide health care services to Seniors who are turning age 65 or don't like their current coverage I have implemented a Medicare Annual Review Service. Medicare changes every year and your health program is affected by that. Did yu know that you can possibly get money back on your social security every month for being in a particular Health Program? Did you know that you can get 100% of all of your doctor bills paid for. Yes, there is a premium for this program but it is probably 1/3-1/2 of Obamacares cost.
If you are interested in finding out more you should give me a call 954-260-3144 or text me. Thanks, Elliot

01/18/2019

HI Everybody,
I haven't been around for a while due to some family illness issues. Fortunately they look like the problems are starting to clear up and I hope to be able to bring you the best in Insurance News soon.
By the way, I told you about Sage Scholarships in the past. Those are the free scholarships for children. I LIke to say they are for your grand children but really they are for all children. They work like the old frequent flyer miles except they give points. 1 point =$1.00. To get a free scholarship, that will pay 25% of the child's tuition each of the 4 college years you simply have to drop me a note or sign up on my site. Best idea write me at Elliot@esyaroassociates.com That should do it. Look forward to talking to you in the near future. See ya!

11/20/2018

Offered by E.S. Yaro & Associates - Nov 20th - Dec 14th: Want your child or grandchild to go to college? Cost too much today? Tomorrow who knows? Ask about the Free Scholarship program. No financial requirements. You just want them to go to college. Over 375 colleges and Universities throughout the....

07/04/2018

Happy 4th of July!

07/04/2018

Happy Fourth of July

POP! Zing! Wow! Color, Noise and Music. Fourth of July is here!. Is this what you remember when you think about our Nation’s Independence Day? What were our founding fathers thinking about when they sat down to create a lasting event that would ultimately change the course of history? Well I can tell you one thing. They weren’t thinking about Life or Health Insurance. Unless of course they happened to be thinking that when King George sent in the troops to put down the Colonial Rebellion there might be a need to have some protection from musketballs and ship cannons.

Rather than write a blog about how important Life Insurance is (of course we know it is!) I want to do something a bit different. Let’s explore the Fourth of July. I, for one, began to dislike the holiday when I hit college. It wasn’t that I became less patriotic, in fact I was probably more patriotic at that time of my life. The problem was with the type of celebration we were always forced to experience. I loved the parades, and the flags. I enjoyed the speeches from the mayor and the other political candidates. What I didn’t enjoy was the fireworks!

Believe it or not I enjoy a good fireworks display on television. I liked how they synchronize the music and the explosions. During one year I even went to a fireworks display that I could experience live outdoors. It might have been Disney who ran the display, I don’t remember. But take away the music and all you have is snap, crackle and BOOM! It hurts my ears, it makes my teeth chatter and my facial skin gets tight. I think I’ll take a hint from my yellow lab and duck under the bed, or read a good book with noise cancelling earphones. My wife still likes the fireworks. She has even taken our grandchildren to see them at a local school. As for me, well I’m still going to stick my fingers in my ears.

Happy 4th!
From Elliot S. Yaro
E. S. Yaro & Associates
www.elliot@esyaroassociates.com" rel="ugc" target="_blank">www.elliot@esyaroassociates.com
954-260-3314

06/01/2018

I have been spending a bit of time online trying to find the answer to a question that I realized can’t be answered by technical information. It has to do with family planning. In the Life Insurance Industry, they teach you how to help families determine the amount of life insurance they need, determine what the goals of the family are, help with college planning and to help with retirement planning. When put together this is called Financial Planning.

The other thing they teach you to do is to find those persons who have a lot of money and whose needs might best be served by this type of comprehensive plan. If you investigate it, you find that these “quality prospects have earnings in the plus $250,000 range with assets over $500,000.00.

Now I am a modest guy. Read that as being that I don’t like to work
with these high-income people. I am far more comfortable working with families whose income and assets are far below the parameters that I stated above. In our classes the attitude was that people in the “lower income range” don’t need financial planning because they don’t have the assets to support it. I don’t believe that.

It seems to me that if there are children in the family, if it is a two- income family, if both parents are working to make bills and provide for the care and well being of the kids that while the family may not have all the assets that the higher income families have these lower income families still has the same needs and requirements just not on as grandiose a level.

I am playing around with an idea. If there was a way to plan for your family’s needs on a “do it yourself basis,” by that I mean do all the planning yourself with a professional in the background to provide specific insurance information would this be of interest to you?

05/16/2018

Why Daddy Cried (A Dan McCade Novel e-Book: In Why Daddy Cried, Dan McCabe’s wife and daughter are murdered, he becomes an alcoholic. He is fired as a Homicide Detective at the NYPD for killing a suspect in the interview room. Dan loses his pension, and he finds himself in a state of depression. When his Lawyer friend, Tyrae Johnson, invites him to Florida, Dan gets hired as Tyrae’s Chief Investigator. Dan is immediately involved in a serial killer’s kidnapping of little girls. As the pattern of the killer’s movements brings McCabe closer, he begins to realize that there are similarities between the way his daughter was killed and these other children. To make matters worse his friend Tyrae may be the person behind the kidnappings. Dan might be able to unravel the twisted links that explain everything with some medical help, but time is running out. He has to do it in time to save the little girl and to protect his own sanity. www.sharelgiftshop.com

04/22/2018

Hi Everyone:
Here I am in Tampa sitting in a Fairfield Inn writing to you about a mini Class Reunion that I had from the illustrious Parsippany High School in New Jersey. Class of 1965. Many of my graduating class moved to Florida through the years so we decided that it would be nice to get together and share some of the good times we could remember. IF we could remember. One thing I noticed, that you will probably be able to relate to,is that as you get older the age you think is considered "old age" gets pushed farther and farther away. For example when we were 20 old age became 55. When we were 55 old age became 70. Now that we are 70 age 90 seems like old age to me.

But one thing we all need to have is money. Money to live, money to have fun, money to feel secure. Some of us have done really well, others not so much. I have found something that I am very excited about. Sharon and I have been researching the internet for work from home programs that will bring in additonal income. You can find things that promise you the world, but we don't need the world. A few thousand a month might be more than sufficient. At the end of this blog i'll give you the site that we found. It's important to have people around you that have experience in this area. That's what we found out. Now we have a mentor who is guiding us on our way. If you like what you see feel free to call us or write to us and ask us the questions that I am sure you are going to have. The 21st Century is full of new and wonderous as well as scary things. We all need to help each other to make our next years work out to our advantage. Who knows maybe we can do this together.