Intelisano and Associates, Inc

Olympians may wear gold, silver, or bronze but their achievement often comes at a cost that leaves them broke.

https://insurancedoctor.us/olympics-atheletes-financial-sacrifice-economics/

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How Olympians Can Go Broke! | The Insurance Doctor When athletes proudly stand on the Olympic podium with medals around their necks, the culmination of years of dedication, training, and sacrifice is evident to the world! What’s less visible is the financial aftermath- meaning how U.S. Olympians are compensated and taxed for their achievements. Th...

Here are the lessons learned from the global CrowdStrike outage last week that disrupted multiple industry sectors worldwide.

https://insurancedoctor.us/crowdstrike-global-chaos-lessons-learned

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Global Chaos! The CrowdStrike Outage. | The Insurance Doctor Last Friday, the world experienced a massive, unprecedented computer outage caused by a defective “routine” software update to Microsoft Windows customers issued by CrowdStrike, an Austin, Texas-based cybersecurity technology company ironically designed to prevent cyber-attacks. Mac and Linux ho...

There’s no question inflation is taking a bigger bit out of our wallets- but what about Shrink-Flation? Here’s how to spot Shrink-Flation.

https://insurancedoctor.us/real-life-examples-shrinkflation/

Shrink-Flation is Real! | The Insurance Doctor During an election year, there is usually elevated talk about inflation being one of the most important topics for Americans to be concerned about and I concur! There is more to current inflation reports as they can be manipulated to show lower percentage increase numbers.

Here are the 2024 tax guidelines you need to know to best prepare and maximize your tax savings.

Tax Tips: Your 2024 Financial Planning Guide | The Insurance Doctor As we step into the end of the first quarter of 2024, it’s essential to stay informed about the latest changes in IRS rules that impact your financial planning.

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Don’t Super Bowl halftime show performers like Usher, Lady Gaga, or
Beyoncé get paid a fat paycheck? Not necessarily. Here’s why…

Super Bowl Halftime Performance… for FREE? | The Insurance Doctor Super Bowl LVIII, aka SB 58, set a record with a staggering 123.4 million viewers! It was the most-watched American television broadcast in a generation and the most-watched Super Bowl in history! The Kansas City Chiefs versus the San Francisco 49ers showdown in Las Vegas surpassed the record of 115...

Here are eight ways that you can reduce your risk as well as your insurance premiums in 2024!

8 Insurance Cost Saving Tips for 2024 | The Insurance Doctor As the new year is underway, now is a good time to review your home insurance and safety plans for the year.  The past few years we have seen a proliferation of weather-related catastrophes. 

Wishing a Merry Christmas to all that celebrate from Robert Intelisano & Associates, Inc!

Usually, one tips people that make your life easier during the year! Here are some suggested holiday season tips for various service providers.

https://insurancedoctor.us/your-holiday-tipping-guide-services/

Your Holiday Tipping Guide! | The Insurance Doctor It’s that time of year, it goes by so quickly!  Before getting into the numbers, I wanted to mention something now referred to as “Tipping Fatigue,” which could also be known as “Guilt Tipping!” 

https://insurancedoctor.us/spilling-the-beans-food-labeling/

Spilling the Beans on Food Labeling! | The Insurance Doctor It was the beginning of the pandemic and I decided to start writing bi-weekly briefings for clients, advisors, and influencers.  Someone forwarded the briefings to Wave Editor Mark Healey and thankfully, he gave me the opportunity to write this column, which started on 5/1/2020. 

https://insurancedoctor.us/creative-college-financing-financial-aid

Creative College Financing | The Insurance Doctor In a recent report from US News and World Report, Baruch College was ranked first for value and social mobility!  This is college application season for high school students and their families.

Here are 5 major economic impacts of a potential government shutdown and a brief history of previous shutdowns in the last 30 years.

https://insurancedoctor.us/government-shutdowns-economic-consequences/

Government Shutdowns: The Economic Toll | The Insurance Doctor When I started writing this week’s column, we (the USA) were in the 11th hour on the brink of another “Government Shutdown!”  It turns out we have averted a shutdown by temporarily using a stripped-down band-aid bill to buy us another 4-5 weeks of time before Congress is back at the negotiati...

Just because a building has a sprinkler system doesn’t mean the insurance carrier will pay. Here are the loopholes and how businesses and homeowners can best protect themselves.

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https://insurancedoctor.us/the-true-cost-of-faulty-fire-sprinklers/

The TRUE Cost of Faulty Fire Sprinklers | The Insurance Doctor Fires used to be rare occurrences that you would see on the news; however, because of warmer temperatures and the proliferation of e-bikes, fires now occur every day and the costs are life-changing!

Thanks to a Disney-Charter contract dispute millions of subscribers across the nation will be blacked out from Aaron Rodgers NY Jets debut on September 11th. Here’s the dish on the dispute.

https://insurancedoctor.us/disney-vs-charter-tv-wars/

TV Wars: Disney vs. Charter Communications | The Insurance Doctor On Thursday, August 31st, Disney pulled its programming from Charter’s Spectrum TV! This comes at a convenient time (for Disney) as Disney-owned ESPN networks (FX and WABC channel 7) are covering major live sporting events such as the U.S. Tennis Open and major college football.

Here’s why New York state’s roll-out of legalized recreational ma*****na has been an unmitigated disaster.

https://insurancedoctor.us/new-york-state-ma*****na-meltdown/

*****na #420

Ma*****na Meltdown | The Insurance Doctor Late last week I returned from vacation in the mountains of Northern California and Nevada.  On the plane home, I was reflecting on how different life is from the pacific northwest to the tri-state area here in the Northeast!

My take on electric vehicles:

The Federal government is pushing hard for American drivers to convert to electric vehicles (EVs). Here are just a few of the potential impacts on the economy and your wallet.

https://insurancedoctor.us/2023/05/electric-vehicles-true-costs-benefits/

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The Federal Housing Finance Agency has made significant changes to it’s consumer loan pricing framework that go into effect May 1st. Here’s what you need to know…

https://insurancedoctor.us/2023/04/major-mortgage-fee-changes-may/s

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I recently returned from Antarctica, the land of eternal ice and mystery. From the towering iceberg, and adorable penguins to the best travel tips and tricks to visit our planet’s 7th continent.

https://insurancedoctor.us/2023/03/antarctica-travel-tips-excursion-vacation/

Every Day is Christmas in Antarctica! | The Insurance Doctor It was a much-needed 3 weeks off to disconnect and see Antarctica, the 7th of 7 continents that I had visited. Did you miss me?

5 ways not to break the bank for your special Valentine.

https://insurancedoctor.us/2023/02/5-valentines-day-money-saving-tips/

5 Valentine’s Day Money-Saving Tips | The Insurance Doctor About 53% of Americans had planned to celebrate Valentine’s Day in 2022!  According to the National Retail Federation (NRF), sales for Valentine’s Day this year are expected to be over $23.9 Billion, an increase of over $3.2 Billion from last year.

Here’s why homeowners’ insurance premiums have been soaring across the country.

https://insurancedoctor.us/2023/01/natural-disasters-higher-insurance-premiums/

Natural Disasters = Higher Premiums | The Insurance Doctor We are certainly living in unique times of record-setting weather-related climate-change catastrophes. Currently, we are close to setting the record for the latest snowfall in New York City history!

Wishing all of you that celebrate a Very Merry Christmas and a Healthy, Happy and Prosperous 2023! We have lots to be thankful for!

Wishing a Happy Hanukkah to all those that celebrate!

Interest Rates: The Good, the Bad, and the Ugly

https://insurancedoctor.us/2022/12/higher-interest-rates-benefits-risks/

Interest Rates- Good vs Evil? | The Insurance Doctor Interest rates make the financial world go around!  These are unique times as interest rates have doubled this calendar year. 

It’s back to school season! Here are 8 money-saving tips to help you get more for less.

https://insurancedoctor.us/2022/08/8-back-to-school-saving-tips/

8 Back to School $$$ Saving Tips | The Insurance Doctor As we begin the 2022-2023 school year during what I call “The Covid-19 Era,” there is some uncertainty and trepidation.  Some schools are commencing this week, others will start the following, and others after Labor Day Weekend.

Here are six tips for air travel that came and how to prepare for the unexpected.

https://insurancedoctor.us/2022/08/travel-tips-cancelations-covid-rebooking/

Travel in Today’s Covid World | The Insurance Doctor Last Sunday night, August 7th I was scheduled to return from a combination business and pleasure trip to Buffalo, New York. I had a 7:25 pm flight from Buffalo Airport to JFK and, even though I had been reading about mass flight cancellations, I didn’t expect it to happen to me on a short 52-minut...

There is a saying, “If it’s FREE, it’s for me.” If you believe in this, read on. Who doesn’t like FREE stuff? With some research, there are many things you will uncover that are FREE or FREE for a limited time period.

https://insurancedoctor.us/2022/08/free-stuff-budget-recession-savings/

FREE Stuff! | The Insurance Doctor We are in the middle of a pandemic and a borderline recession with a 9.1% inflation rate over the last 12 months!  If there were ever a time to learn how to stretch your dollars and get some “FREE Stuff,” that time is now!

Pack your bags! Here are 8 tips to help you save money and enjoy trip while avoiding unpleasant surprises.

https://insurancedoctor.us/2022/07/8-summer-travel-planning-tips/

8 Summer Travel Planning Tips | The Insurance Doctor Having touched foot on 6 of the 7 continents, I have learned a lot over the years. Many families have held off on their summer travel due to the pandemic, and rightly so, as rules have been changing. I just returned from 2 weeks in Northern California. Travel has undergone significant changes over t...

No matter where you go these days -the bank, supermarket, or daycare to pick up the kids- the number one topic of conversation in our nation is rampant inflation! Here’s how one type of savings bond may actually help!

https://insurancedoctor.us/2022/06/inflation-savings-ibonds-economy-investment/

Inflation rocks the nation! | The Insurance Doctor No matter where you go these days, the bank, supermarket, or daycare to pick up the kids the number one topic of conversation in our nation is rampant inflation! This is also a major problem across the world.

Inflation & Shrinkflation. What you need to know!

https://insurancedoctor.us/2022/06/inflation-shrinkflation-economy-budget-groceries/

Do I need travel insurance? When should I get coverage for my trips? What’s covered?

https://insurancedoctor.us/2022/06/travel-insurance-whats-covered/

Following a death of an insured loved one, it is important to file a life insurance claim in a timely manner. Here are 5 tips to make the claims process go smoothly.

https://insurancedoctor.us/2022/04/tips-filing-life-insurance-claim

5 Tips for Filing a Life Insurance Claim | The Insurance Doctor We are making history for the wrong reasons! In 2020, because of the Covid-19 pandemic, American Life Expectancy declined by almost 2 years (1.87 years). In 2021, it declined another 0.3 years.