The Truth About Whole Life Insurance

Editor’s Note: Here’s a special contribution from Chris Huntley of Insurance by Chris. Are you considering buying life insurance in the near future? Before you do, take some time to learn about the differences between term and whole life insurance. Here are PT’s thoughts on the subject. You’ve probably heard financial advisers like Dave Ramsey […]

Top 9 Reasons You Need a Will

I have been thinking about wills a great deal lately. My husband recently accepted a job in another state, and we took this major life upheaval as a reminder that we should update our will. We had not updated the will to include our second child after he was born, nor appointed a new executor […]

Take the Frustration Out of Insurance Shopping with PolicyGenius

In the five years that I have been writing about personal finance, I have done quite a bit of research on life insurance and other insurance products. In that time, I’ve concluded that I’d rather do pretty much anything—including cleaning the Indianapolis Motor Speedway with a toothbrush—than shop around for insurance. If you have ever […]

Here’s Why You Need Travel Insurance

Planning a vacation is supposed to be fun, which means many travelers neglect to consider travel insurance. After all, why would you spend your time thinking about the possibility of travel mishaps when you could be selecting itineraries, mapping out walking tours, or deciding which tropical drinks you’ll be enjoying on the beach? But just […]

Progressive Auto Insurance Claims Review

Insurance.  It’s a staple within the realms of responsible personal finance, but one I absolutely despise. I hate the idea of insurance, the process of claiming insurance and generally speaking the companies which offer insurance. Every month I write a $600 check for my families health insurance, I grind my teeth on the way to and […]

How You Can Dump Obamacare and Get Started with an Affordable Alternative (MediShare Review)

Update (Jan 2016): Our experience with Medishare is still very positive. Higher out of pocket expenses, but significant savings on monthly premiums (share). Given the recent rise in premiums through the Obamacare exchanges, I know we’re continuing to see even greater savings by being a part of this program. We’re still with our same doctors […]

Save Money on End of Year Auto & Insurance Purchases

Editor’s note: I love these tips because they’re not always the things people think about when shopping for car insurance. It’s more than just pencil to paper savings as commute time, driving habits, etc. do count! There are a number of ways to find affordable car insurance of which improving your FICO is one of my favorites. Why? […]

The Best Canadian Part-Time Jobs with Benefits (Updated 2014)

Canada offers its citizens a single payer health care system, which means that all Canadians are covered for basic health services. Knowing this, an American might be forgiven for thinking that employer-sponsored health insurance benefits would be redundant. But the operative word for Canada’s public health insurance is “basic.” The state-run system guarantees primary care […]

Pet Insurance Could Have Saved me a Small Fortune – The Shadow Experience (Quick Update)

SHADOW UPDATE – I wrote this post one year ago; at a time when Shadow had gone through quite a bit of injury.  Well, I’m back to give another expensive update.  Today, we learned that Shadow now has a torn ACL.   So tack on another $2,600 surgery and $400 worth of lab work, MRI’s […]

Best Part Time Jobs With Benefits—Updated for the Implementation of Obamacare

Now that the Affordable Care Act has officially launched, it’s a good time to revisit the possibility of finding a part-time job with benefits. Prior to the implementation of the health-care mandate, many big-name businesses such as Papa John’s indicated that owners and franchisees would have no economic choice but to reduce employee hours to […]

What You Need to Know About Disability Insurance for the Self-Employed

Disability insurance is hardly a sexy topic of conversation, or even a common worry. After all, it’s not like most of us do anything more strenuous than checking our email on the average day, so how likely is it that we will need disability insurance? As a matter of fact, it’s pretty likely. According to […]

Don’t Forget to Max Out Your Health Savings Account: Annual HSA Contribution Limits

I’ll be writing a couple of checks out in the next few weeks to my credit union.  This will bring our HSA contributions for last year and this year up to the maximum limits for each year.  The process is pretty painless (good people at that credit union), and I know I’ll leave with a […]