U.S. health insurance premiums and deductibles continue to rise at an unprecedented rate. For those of you fortunate enough to have employer-provided coverage, celebrate! Even a subpar employer-sponsored plan typically offers lower premiums and better coverage than plans on the individual exchange.
For those of you who don’t have health insurance through work, read on for a look at an interesting — and often less costly — alternative to buying coverage on the open market: health care sharing programs.
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Insurance is important — without it, your assets aren’t protected. So if someone sued you or your business, if you had a house fire, or you were in a car wreck, you could lose everything. No one wants to start over from scratch. Learn more...
Starting January 1st, 2019 there will be an Open Enrollment Period that will allow Medicare beneficiaries to make “like plan” changes until March 31st, 2019. This is not just an extension of AEP which is between October 15th and December 7th each year. The AEP dates remain unchanged.
Life insurance isn’t some sort of strange “I’m sorry” award for your family when you pass away. And, while it’s often a windfall, it’s not really meant to create a lottery winner’s lifestyle. Life insurance is meant to fill the financial void created by your absence.
"With the average 30-year fixed mortgage rate now climbing over 4.7 percent, it's no surprise that many homeowners are looking for ways to pay their mortgage off early -- and save themselves thousands of dollars in the process. There are several ways to go about this. Below, I'll highlight each of them and explain when you may not want to speed up your mortgage payments...
...Enrollment is growing in early college programs, which allow high school students to take college courses in 11th and 12th grade, potentially cutting the time and money spent at four-year institutions in half. All official early colleges are public
Are you considering graduate school? If you’re like most American graduate students, you’re probably going to borrow at least a portion of your tuition and other costs. The student loan debt from graduate school piled on top of undergraduate loans can be intimidating.
How much coverage does your puppy need? Your phone? A diamond ring? Here’s when to check that box—and when it’s OK to pass.
They're not dodging their tax obligations. It's just the way the US tax code works. This year, an estimated 45% of tax filers — or just under 79 million households — are likely to have zero federal income tax liability, according to the Tax Policy Center.
So how do you know when you should plunk down the extra cash and buy insurance? In general, I would argue there are only three types of situations in which you should do so.
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