Category Archives: Finance Guide

Long-term care costs can cause serious damage to your retirement savings. The U.S. Department of Health and Human Services estimates that 27% of Americans who turn 65 in this year will have to pay at least $100,000 for long-term care, and nearly 18% will need care exceeding $250,000. This is a difficult pill to swallow for seniors. […]

According to a survey, Ohio’s traffic laws are among the worst in America. This has an impact on the roads in Toledo. The city’s county, Lucas County, has more than 4000 accidents per year and 49 deaths in 2020 according to the Ohio State Police. Intoxicated driving arrests were also made in the county that year. The annual average premium for […]

Parking violations cost Americans an average of $25 to $200, according to a Drexel University Central Business District Public Parking Survey of data from 107 U.S. cities. Late fees and possible impoundment of your vehicle may result if you don’t pay your tickets in time. Typically, parking tickets do not affect how much you pay for car insurance. Unpaid parking […]

Many agencies fail because they don’t have enough customers to buy from them often. Either they don’t attract enough clients or let their existing clients go. This is the number one reason I have seen agencies go bankrupt. It’s hard to believe how many well-managed agencies have failed because they didn’t have enough customers. Some agencies, however, […]

Testing at a clinic or hospital can be expensive if you do not have health insurance, so if possible consider getting tested using an online STI screening kit instead. Under the Affordable Care Act (ACA), screening for chlamydia and gonorrhea prevention is free for women under 24 as well as older women at high risk. […]

RVs combine vehicle and home, so they require specific insurance coverage. Like auto owners, RV owners have access to various coverage options like liability, collision and comprehensive. Your RV insurance rates depend on factors like driving experience, credit score and location. Many insurers also provide discounts such as multi-policy discounts, safety course savings programs or […]

USPS Package Insurance provides customers with a way to recoup the value of items lost or damaged when shipped via select mail classes, depending on their declared value. This coverage can help cover potential claims in case they arise in case of loss or damage to an item being shipped through USPS. Purchase USPS insurance […]

As your life evolves, your health insurance should change accordingly. Make adjustments during Open Enrollment each year as your needs alter and adapt your coverage as your life does. Report changes in income or household size so you can receive accurate financial support through Marketplace plans. In addition, plans can be changed any time during […]

Costco Health Insurance Plans offer affordable and competitive health plans to individuals, families and small businesses alike. In addition to this comprehensive health coverage option, they also provide discounted prescriptions as well as access to their personal health advocate. Costco, in partnership with Sesame, an online healthcare marketplace, is offering members special discounted pricing on […]

Public medical insurance plans provided by the government for low-income individuals or families are accessible via programs like Medicaid, Child Health Plus and Essential Plan. Qualification for these plans varies based on income level; before applying you should estimate household income to determine eligibility. 1. Age The age limit for being eligible for public medical […]