Being hit with a sudden expense can be one of the most frustrating things to deal with, especially if you are just starting out. When you need to deal with such an expense, it is always a good idea to have a plan to help mitigate stress.
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At the height of your youth, you may feel invincible to some extent. This is especially true for single people in their 20s or 30s who are free from the physical, emotional, psychological, or financial responsibilities of having a family and are at the peak of health even after some questionable life choices when it comes to their diet and other everyday habits. That sense of reckless abandon when it comes to dealing with finances and health can make people shortsighted when preparing for their future. Young people these days tend to splurge on the latest gadgets, fashion, or on eating out (which is costlier than buying ingredients and prepping your own food) and seem deliberately oblivious of the risks to their finances when they make these purchases.
When Should You Get Life Insurance? Read More »
Being injured when you don’t have insurance can be a scary prospect. This doesn’t mean that you don’t have options to help you pay for your medical care. Here are some of the steps that you’ll need to take in order to handle your injury without having to go into debt. Often Doctors and hospitals will give you a discount if they know you don’t have insurance. Actually, they usually end up giving insurance companies a discount as well. Even though they say the rate for a certain procedure is $10,000, the insurance company will often only pay them $2,000 or $3,000 and they write off the balance. So there is no reason why you can’t negotiate the same discount.
How to Handle an Injury With No Insurance Read More »
Getting in a car accident can have repercussions beyond the damage to your body or your vehicle. It can cause you major financial woes for years to come, especially if you don’t handle things correctly. Below are just a few things you can do to save your budget and credit after an accident.Â
How to Help Save Your Budget and Credit After a Car Accident Read More »
After you have a health issue, a lot of things change in your life. It comes with major stress and financial problems as well. However, although it may not be easy, if you don’t give up and instead take the right action, you can move past it over time. Here are four tips you should use to help you in dealing with the financial aspects of a medical condition:
Recovering from the Unexpected: 4 Tips for Financially Dealing with a Medical Condition Read More »
Even if you have insurance, medical care costs can be expensive. Many policies have deductibles and co-pays that you have to cover out of your own pocket. And to make matters worse health insurance costs themselves are increasing. As a matter of fact, health insurance costs are up over 40% since 2005 compared to overall prices being up “only” about 28% as you can see from this chart from InflationData.Â
4 Ways You Can Reduce Healthcare Expenses Read More »
Most people don’t really appreciate the little things until they lose them. In this video we see how much impact a little thing like the ability to see color impacts someone who has never had that ability before.
Financial Implications of Losing Your Mobility Read More »
There are lots of expenses in life that we deal with. Most of them involve a tangible or useful thing–gas for the car, service for the cell phone, food in the refrigerator. Because these items seem to get more expensive all the time, we are always in pursuit of things that we can eliminate from the budget, and the ones that don’t provide a visible benefit are often at the front of the line for the chopping block.
The Importance of Insurance Read More »
Planning your retirement could easily be one of the most joyous moments in one’s life – knowing you’re still vital enough to live for the next couple of decades and earning your freedom to do nothing all day long truly is amazing! However, retirement isn’t as simple as it may seem in the beginning and you need to think it through thoroughly before you embark on this journey.Â
A Retirement Checklist: What to Do in the Year before You Retire Read More »
There’s no good time for someone in your family to get injured. However, if it’s going to happen, it’s best to be prepared. Whether it’s a broken arm, a severe cut, or a spinal injury, you need to be ready. Here are five tips on handling a serious injury in the family.
Unexpected Expenses: 5 Tips to Handling a Serious Injury in the Family Read More »
Every year, Americans are paying more than they need to on their home insurance. Your home is one of your most prized possessions. Therefore, it is only natural for you to take steps to protect it. Protection for your home comes in the form of homeowners insurance. However, Premiums on home insurance have risen over 50 percent in the last ten years. Currently, the average insurance premium for homes in the United states stands at $1083 annually and can rise as high as $2,024 in some states. If you are one of the many homeowners looking to slash their insurance bill for the next year, take a look at these simple tips.Â
Cutting Your Home Insurance Bill: Three Secrets That Can Save You A Bundle Read More »
Insurance isn’t exciting or flashy, but it is absolutely necessary if you want to provide for your family in those times when it feels like the rug has been pulled out from under you. Many forms of insurance are required, for instance, most lending institutions require homeowners insurance which covers the value of your house in case of damage and also covers against lawsuits should something happen on your property.
Most people understand how necessary it is to have a good life insurance policy to replace the breadwinner’s income but many do not give it the priority it deserves. Those with families and children are usually most vigilant when it comes to having Life insurance coverage. But there is never really a bad time to talk about and shop for life insurance coverage.
How Much Do You Know About Life Insurance? Read More »
