Did You Know Your Credit History Can Affect Your Insurance Rates!
February 8, 2008
Last week, I got a surprise bill in the mail. Based on my credit score, my auto insurance increased by 40%! Ouch!!! What is going on? I pay all of my bills on time, and I usually pay extra on my credit cards. Recently, my credit rating plummeted. What did I do wrong? First, I […]
Managing a Health Savings Account
February 6, 2008
Like all issues dealing with the government and tax free saving plans, the whole idea of a Health Savings Plan can be totally confusing. Do you qualify? What are to contribution limits? Can the money be invested? What happens if I draw it out for something other than health care? Do you need a health […]
Is a Health Savings Account Right For You?
February 5, 2008
The cost of health care, like everything else, is on the rise. However, if you have to go to the doctor, the emergency room, or even stay overnight, you can be in the poorhouse pretty quick, even if you have insurance. If you are not insured, you may have to sell your soul or your […]
How to Get Insurance for the Self-Employed
January 31, 2008
Unless you work for a company that has a group insurance plan, health care insurance can be astronomical. In fact, more and more people do not have insurance at all because smaller businesses cannot afford the benefit, and getting insurance on your own becomes a choice between keeping a roof overhead or having a health […]
Short Term Disability Insurance is for Old Married People
November 17, 2007
True or false? You don’t need short term disability insurance if you’re young and single with no one to support except yourself. Short Term Disability Insurance, Who Needs It?I used to have the same opinion. Even after I got married I didn’t elect for short term disability since my wife and I both had jobs […]
Health Insurance Blame Game – Stuck Between Insurance Company and Doctor’s Office
October 13, 2007
Do you ever feel like navigating the health insurance claim process is like walking through a maze blindfolded? Our most recent experience leaves me wondering how many people get stuck paying hundreds of dollars for claims that should have been covered. During a recent visit to the pediatrician the receptionist informed my wife we had a […]
Should Healthy People Pay Less for Health Insurance?
September 19, 2007
Why did you sign up for health insurance? Was it to help share the risk and cost of potential health issues across a large group of people? What if some of the people in your group are voluntarily behaving in ways that raise their risk and the cost to you and everyone else? Should you […]
How Can Health Care Costs be Reduced & Who Will Make it Happen?
August 2, 2007
Whining About Health Care CostsI have received several emails and comments in regards to my post on health care costs that I want to address. There are people paying 3, 4, 5, and even 7 times the amount we’ll be paying for family health coverage. Compared to these prices my rate increase seems minor and […]
Personal Finance Decision Guide – Roth IRA vs. Traditional IRA
June 4, 2007
What money decision are you trying to make today? Read on, it may be covered in this second edition of the Personal Finance Decision Guide. This is a compilation of money articles from various sites comparing or explaining two sides of money concepts. In an interesting turn of events, this is the first time there […]
Life Insurance Questions & Answers
May 22, 2007
Our insurance company sent us an advertisement listing several questions about life insurance. The spin was “don’t let unanswered questions keep you from getting the financial protection your family needs.” So I called them up to see how they answered the questions. My plan is to go back and do my own research on life […]
