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

Health Savings Account Medical Symbol

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 […]

How to Buy Life Insurance in 7 Easy Steps

Happy Family Buy Life Insurance

Do you need life insurance? Ever wonder what it’s like to go through the LONG process of researching and selecting a life insurance policy? I highly recommend you get life insurance, but I don’t necessarily wish the buying process upon you. It can be tough to navigate. That’s why today I’m going to share the […]

What You Need to Know About the Obamacare Exchanges

Obamacare Exchange

If you are self-employed like me and/or you need to purchase your own health insurance (either because you aren’t employed or because your employer doesn’t offer it), then you’ll want to pay attention to the opening of the Obamacare state health insurance exchanges or marketplaces. These exchanges open up on October 1, 2013. Head to […]

Reduce Your Homeowners Insurance Policy Premium By Several Hundred Dollars

Why You Need Homeowners Insurance

Homeowners insurance. You don’t need it, until you need it. I recently reduced my annual homeowners insurance premium from $1,430 to $856.00 by not escrowing and paying annually, renegotiating my policy, and most importantly, raising my deductible. Here’s what went down… I’m a homeowners insurance newbie. Up until last month I hadn’t had to deal […]

Pet Insurance Could Have Saved me a Small Fortune – The Shadow Experience

Shadow Snow

One year ago, my wife and I decided to purchase a Siberian Husky puppy.  The first time we attempted this, we lost $100 to a breeder that decided to simply leave the state and take our deposit (If their plan was to root their lives elsewhere and con us out of $100 … job well […]

An Expert Interview About Long Term Care Insurance

Wendy Boglioli

Who will take care of you when you can’t take care of yourself? Whether it’s due to an early onset of Alzheimer’s or you’re simply too old, if you can’t take care of yourself, you’ll need help. Your loved ones can only do so much. You may be too wealthy for government assistance, and you […]

The Real Reason You Need Umbrella Insurance

Umbrella Insurance

Did you know that simple things like owning a swimming pool, having teenage drivers and a family dog, owning residential rental estate, and even throwing parties in your home can make you susceptible to being sued? Even the type of car you drive or how likely you are to be Googled can help determine the […]

Big Increase in Number of Health Savings Accounts Says Fidelity

Individual vs Group Health Insurance

Recently, Fidelity Investments stated that they had a fifty-three percent rise in the number of Health Savings Accounts (HSAs) that were opened in 2012 vs 2011. This brings the total number of HSA accounts handled by Fidelity Investment up from 119,000 to 182,000. HSAs are tax-advantaged savings accounts available to people with high-deductible health insurance […]

The Gerber Grow Up Plan: Sound Investment or a Scheme for Suckers?

Gerber Grow Up Plan

We can all recognize the adorable half-smile of the Gerber baby. It has been around long enough that today’s parents and grandparents who are feeding pureed carrots to their little ones once smeared that same Gerber brand baby food in their own hair. That longevity makes it one of the most well-known and trusted baby […]

Should You Buy Into Group Term Life Insurance at Work?

Group Term Life Insurance

If you can buy group term life insurance at work you should almost certainly do so. There are of course a few exceptions to this (and I’ll explain what they are). But chances are pretty good that buying group term life insurance is a no-brainer for you. It’s about the easiest and cheapest term life […]

Dentist: How to Take Care of Your Child’s Teeth Without (Insurance or) Spending Too Much

Dentist - Children's Dental Care

It’s a story that Marissa Miller, D.D.S., of Shelby, Ohio sees all too often. Patients don’t bring their children to the dentist until after there’s pain, a visible hole in the tooth, or even the chronic bad breath of tooth decay. “At that point, it’s too late to do any of the simple and relatively […]

20 Best Part-Time Jobs With Benefits – Updated for 2014

20 Best Part-Time Jobs With Benefits

With the upcoming changes to health-care benefits mandated by the Affordable Care Act, finding part-time jobs with benefits might seem like an impossible undertaking. After all, many big-name businesses such as Papa John’s have indicated that owners and franchisees will have no economic choice but to reduce employee hours to below the 30-hour per week […]