How to Pay for College Without Going Broke

08/19/2025

https://medicareagentshub.com/agents/gary-coleshill

Gary Coleshill is a Arizona Medicare agent located in Phoenix. Gary is licensed to sell Medicare insurance in AZ and CA.

06/01/2025

My Personal Take on the Phoenix Real Estate Market.

I've lived in the Phoenix area since 1992, and in my Real Estate career have travelled the area pretty extensively and have come to a couple of conclusions.

Firstly, obviously the Valley has experienced incredible growth and with the influx of new major businesses particularly in High Tech and Distribution continues to do so.

Whether this is sustainable with possible water supply issues I don`t know.

This is real estate, anything can happen and probably will.

It looks to me that the major growth has been in 2 main areas.

1.The Southeast Valley has grown tremendously in the last few years. Areas like Gilbert, Chandler, East Mesa & the San Tan Valley are booming.
Hi Tech companies are flocking there creating a lot of new infrastructure, resulting in even more jobs. and there has been a lot of home building. The area is very well served by major freeways such as the 101, 202, and 60, making the area very accessible to all of the valley.

2.The Northwest Valley from the Glendale Stadium area to the White Tank Mountains is a similar example. Major growth here also. Helped by improved freeway access with the 303. This area seems to be fast growing with distribution centers employing plenty of people who need housing, schools and other infrastructure.

So, what kind of real estate should you be looking at?

Well, I think it makes sense to look at older ranch style single family homes in areas near amenities and freeway access.

In time these areas will probably develop along the lines of other places in the valley like Scottsdale, & Arcadia.

These areas were mostly single-family ranch style homes 20-40 years ago, quite a few were also horse properties with large lots.

Over time as more and more people wanted to move into these prestigious areas these homes were snapped up by developers & investors who built several homes/ apartments on the lots.

Because of the scarcity of available building land in these areas, many original owners were able to make sizable profits on their original investment.

Others were bought by affluent people who wanted to live in these areas but desired more of an upscale property, so they would demolish, or renovate the original home and replace it with a MacMansion.

So, in summary, if you want to make money in real estate and can wait a few years, maybe look at buying an older ranch style/ horse property with a decent size lot in an upcoming area with good amenities and access and wait for a developer/investor to knock on your door.

Anyway, these are just my personal opinions and don`t necessarily reflect those of anyone else including Homesmart.

Gary Coleshill is a Licensed Realtor and is in no way employed by, affiliated with, or endorsed by the IRS, the Social Security Administration or any other government agency. The information he shares represents his current understanding of matters and should not be considered as legal or tax advice. Please consult with an Enrolled Agent, CPA or attorney before implementing any of the strategies that he discusses.

12/10/2024

Apply Before 15th December
https://www.healthsherpa.com/?_agent_id=gary-coleshill-protects

10/08/2024

https://www.geobluetravelinsurance.com/index.cfm?personalized=n

09/09/2024

08/19/2024

What is Obamacare?

The Affordable Care Act (ACA), commonly known as Obamacare, is a health care reform legislation enacted in 2010. The law aims to make health insurance more affordable and accessible, broaden Medicaid coverage, and promote innovative medical care delivery methods.

Key provisions of the ACA include:

Subsidies
The ACA provides subsidies, known as the premium tax credit, to reduce costs for households earning between 100% and 400% of the federal poverty level (FPL).

Health Insurance Coverage
The ACA broadens health insurance coverage for the uninsured and safeguards consumers by prohibiting insurers from denying coverage based on gender or pre-existing conditions. It also eliminates lifetime and annual coverage limits on essential health benefits.

Health Insurance Plans
The ACA introduces four levels of coverage: bronze, silver, gold, and platinum. Each level provides essential health benefits, with variations in the balance of premiums and out-of-pocket expenses. For instance, bronze plans offer the lowest monthly premiums but the highest out-of-pocket costs, whereas platinum plans have higher premiums but lower out-of-pocket costs.

Medicaid
The ACA extends Medicaid eligibility to all adults with incomes below 138% of the FPL.

Patient Protection
The ACA ensures special patient protections for those insured through the Health Insurance Marketplace, such as allowing young adults to remain on their family's insurance plan until age 26.

Regards

Gary A. Coleshill
Licensed Arizona & Connecticut Insurance Agent.
Life, Health, Disability, Accident, & Annuities,
Estate Planning Coordinator, College Planning Services,
Notary Public, Marketplace-registered agent and your Medicare resource

NPN: 6746746
[email protected]
1-888-894-2929

05/30/2024

The top five Google searches related to college planning in recent times include:

FAFSA (Free Application for Federal Student Aid) - Students and parents often search for information on FAFSA to understand the application process for financial aid, deadlines, and eligibility criteria.
College Scholarships - Searches for college scholarships are common as students look for ways to fund their education through merit-based or need-based scholarships.
SAT/ACT Prep - Many students search for preparation resources, tips, and test dates for standardized tests like the SAT and ACT, which are crucial for college admissions.
College Rankings - Prospective students and their families frequently look up college rankings to help decide which colleges to apply to based on various criteria like academic reputation, campus facilities, and post-graduation outcomes.
College Application Deadlines - Searches for specific college application deadlines are common, as students need to keep track of early decision, early action, and regular application timelines.

05/20/2024

College at Wholesale not retail

05/17/2024

Need College Tuition money?

05/15/2024

**HUGE Price Improvement** Welcome to this charming single-family home, built in 1989, nestled in the heart of Sun City West. This well-maintained residence offers comfortable living on an expansive 8,900 sqft lot. Seller's have upgraded and remodeled almost every room in this house!Featuring 3 bedr...