Protect Your Family and Enter to Win $50,000 with USAA Life Insurance

This post is brought to you by USAA. While this is a sponsored post, all content and opinions expressed here are my own. ife insurance can get a bit of a bad rap. It can feel like a major downer to think about the possibility of dying and leaving your family financially unprepared. Then there is the stereotype of hard-selling insurance agents (like Ned Ryerson who tries so hard to sell Bill Murray a policy in Groundhog Day--BING!). It can turn a lot of people off … [Read more...]

Medi-Share Review: An Affordable Alternative to Expensive Health Insurance

oining the Christian medical expense sharing community, Medi-Share, for around $250/month has been a fantastic financial move for my family. Prior to joining this healthcare expense-sharing community, I was paying $1,100 per month for a health insurance plan with Humana! Medi-Share is not insurance (nor is it charity as you'll see). But it's a great alternative for some, and it does count as coverage in regards to the Obamacare mandate (which officially ends as of the … [Read more...]

Why Laddering Your Life Insurance Policy Over Time Makes Good Financial Sense

Editor's note: Hey, this is PT. You know I'm a huge fan of term life insurance for those young and married with kids like me. These days it's easier than ever to get signed up for life insurance and protect your family. Do it! Of course, I'm also a fan of self-insuring as much as possible and we're happily heading that direction - getting rid of debt and saving up for our retirement. But I've often thought about changing my life insurance strategy mid-stream - … [Read more...]

The Best Life Insurance Companies [for Term Quotes]

It can hardly be a coincidence that no language on Earth has ever produced the phrase “as fun and exciting as shopping for life insurance.” That’s because insurance shopping is traditionally a frustrating endeavor. For one thing, no one wants to think about their own mortality, which makes life insurance shopping something of a bummer from the get-go. Then the difficulty of comparing apples to apples among products and the relentless nature of high-pressure … [Read more...]

HSA vs FSA: Which is Better? [Comparison Chart Included]

Here's the thing: In light of past health care discussions on my blog and the fact that benefit re-enrollment period is up us, I thought I'd address a couple of tax-advantaged medical savings accounts: the Health Savings Account and the Flexible Spending Account. Ready for a HSA vs FSA showdown? Strap in! Who am I to offer up this comparison? Well, I used a Flexible Spending Account for some time when I was employed and had a nice group health … [Read more...]

9 Critical Reasons You Need a Will (Get One Started Now!)

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 after my father, who was our original executor, passed away in 2013. Coincidentally, our appointment with the lawyer fell on the same day the news broke that legendary … [Read more...]

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 bought an insurance product, you can understand my attitude. Between the difficulty of comparing apples to apples among products … [Read more...]

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 like any other plans, vacations can go seriously awry, leaving you with a stressful situation rather than a relaxing respite. If … [Read more...]

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 from the mailbox. Be that as it may, I understand that without insurance, I'm taking risks I cannot afford to. And so, I currently spend … [Read more...]

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 and medication!  How can you not love this guy?!?! 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 … [Read more...]

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 good feeling about how much I'll be saving in taxes. If you'll remember, I opened our HSA (health savings account) with a local credit union a few years ago.  I did this since I'd become … [Read more...]

Buy the Best Life Insurance in 7 Easy Steps [The Ultimate Guide]

o 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 steps you need to complete while searching for and buying life insurance. I'll share my experience with buying my own term policy as well. This includes: … [Read more...]