Category Archives: Uncategorized

Easy Way To Increase Bone Density

Low bone density could mean you’re at risk or already have Osteoporosis. As you get older, Osteoporosis can weigh on the mind and can be a bigger and bigger issue. It’s been proven that exercise and eating right can lead you in the right direction to keeping your bone density up and avoiding painful injuries later. There is one fun easy way to increase bone density that almost anyone can do, it’s called a Whole Body Vibration Machine and it does exactly as it says.


When we think of Vibration Machines, many of us think about the picture above, ladies in their one piece bathing suits getting shaken for a number of minutes in hopes to stay thin. Even though this ancient concept of the whole body vibration machine is the same, technology has changed dramatically as well as the knowledge of how to shed fat and increase bone density.

Where can I buy these machines?
These machines are available through fitness stores for purchase, however you can purchase time at some gyms or beauty procedure locations (some doctor offices that specialize in Botox or laser type locations).

Sites like Amazon have Whole Vibration Machines however beware, there are machines that specialize in weight loss, machines that specialize in increasing bone density and machines that focus on both. The difference is achieved by the direction the machine vibrates. This video discusses the differences between machines, we do not encourage the purchase of this particular brand, however it does show the difference and benefits between machines:

What other benefits may these machines have?

“Advocates say that as little as 15 minutes a day of whole-body vibration three times a week may aid weight loss, burn fat, improve flexibility, enhance blood flow, reduce muscle soreness after exercise, build strength and decrease the stress hormone cortisol.” -

To learn more about Osteoporosis:

-Written by Valerie Michel Buck


Guest Article: Medicare Open Enrollment Period Begins October 15

Written by Mark B. Kelly

What is the Medicare open enrollment period?
The Medicare open enrollment period is the time during which people with Medicare can make new choices and pick plans that work best for them. Each year, Medicare plans typically change what they cost and cover. In addition, your health-care needs may have changed over the past year. The open enrollment period is your opportunity to switch Medicare health and prescription drug plans to better suit your needs.

When does the open enrollment period start?
The Medicare open enrollment period begins on October 15 and runs through December 7. Any changes made during open enrollment are effective as of January 1, 2016.

During the open enrollment period, you can:
• Join a Medicare Prescription Drug (Part D) Plan
• Switch from one Part D plan to another Part D plan
• Drop your Part D coverage altogether
• Switch from Original Medicare to a Medicare Advantage Plan
• Switch from a Medicare Advantage Plan to Original Medicare
• Change from one Medicare Advantage Plan to a different Medicare Advantage Plan
• Change from a Medicare Advantage Plan that offers prescription drug coverage to a Medicare Advantage Plan that doesn’t offer prescription drug coverage
• Switch from a Medicare Advantage Plan that doesn’t offer prescription drug coverage to a Medicare Advantage Plan that does offer prescription drug coverage

What should you do?
Now is a good time to review your current Medicare plan. As part of the evaluation, you may want to consider several factors. For instance, are you satisfied with the coverage and level of care you’re receiving with your current plan? Are your premium costs or out-of-pocket expenses too high? Has your health changed, or do you anticipate needing medical care or treatment?
Open enrollment period is the time to determine whether your current plan will cover your treatment and what your potential out-of-pocket costs may be. If your current plan doesn’t meet your health-care needs or fit within your budget, you can switch to a plan that may work better for you.

What’s new in 2016?
The initial deductible for Part D prescription drug plans increases by $40 to $360 in 2016. Also, most Part D plans have a temporary limit on what a particular plan will cover for prescription drugs. In 2016, this gap in coverage (also called the “donut hole”) begins after you and your drug plan have spent $3,310 on covered drugs. It ends after you have spent $4,850 out-of-pocket, after which catastrophic coverage begins.

However, part of the Affordable Care Act gradually closes this gap by reducing your out-of-pocket costs for prescriptions purchased in the coverage gap. In 2016, you’ll pay 40% of the cost for brand-name drugs in the coverage gap and 58% of the cost for generic drugs in the coverage gap. Each succeeding year,
out-of-pocket prescription drug costs in the coverage gap continue to decrease until 2020, when you’ll pay25% for covered brand-name and generic drugs in the gap.

Where can you get more information?
Determining what coverage you have now and comparing it to other Medicare plans can be confusing and complicated. Pay attention to notices you receive from Medicare and from your plan, and take advantage of help available by calling 1-800-MEDICARE or by visiting the Medicare website,

Part D late enrollment penalty
Generally, if you did not sign up for Part D coverage during your initial enrollment period, and you didn’t have other creditable drug coverage (at least comparable to Medicare’s standard prescription drug coverage) for at least 63 days in a row after your initial enrollment period, you may have to pay a late enrollment penalty. The late enrollment penalty is added to your monthly Part D premium. Your initial enrollment period is the 7-month period that starts 3 months before you turn age 65 (including the month you turn age 65) and ends 3 months after the month you turn 65.

True Harbour® Wealth Management & Advisory Group
DB French & Co LLC OSJ 1450 W. Long Lake Rd Suite 150 Troy MI 48098
Toll Free 800-647-4440 Fax 248-952-0147 Email
Securities and Investment Advisory Services offered through L.M. Kohn and Company registered broker/dealer, member FINRA, SIPC, MSRB
DB French & Company LLC OSJ branch of L.M. Kohn & Company
True Harbour Wealth Management & Advisory Group does not provide tax or legal advice. The information presented here is not specific to any individual’s personal circumstances. To the extent that this material concerns tax matters, it is not intended or written to be used, and cannot be used, by a taxpayer for the purpose of avoiding penalties that may be imposed by law. Each taxpayer should seek independent advice from a tax professional based on his or her individual circumstances. These materials are provided for general information and educational purposes based upon publicly available information from sources believed to be reliable—we cannot assure the accuracy or completeness of these materials. The information in these materials may change at any time and without notice.


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Mark B. Kelly
1450 W. Long Lake Road
Suite 150

Troy, MI 48098

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