Category Archives: Finance Guide

Online Health Insurance for Seniors A good friend asked me where he could find information on medical insurance for his elderly mother who was out of state. I advised him to use the internet. A week later, he reported to me in despair: “I am giving-up, I am too confused.” His widowed mother was living in […]

Although you may not be aware of it, insurance rates for your car will vary depending on which insurance company, broker or agent you choose, what auto coverage you select, and what kind of car you drive. Here are some things you can do now to reduce your car insurance costs. 1. Comparison Shop – Different rates […]

The State of Florida’s Smoke and Mirrors. The Florida Governor is doing something amazing. He is trying to make every homeowner happy about the premium they pay for their insurance. The plan was nothing but a pacifier for the residents of Florida, as it was crafted by “The Governor” and his merry band members of legislators. This plan […]

Insurance companies have developed a strategy to assist policyholders in finding the best coverage due to the high costs of prescriptions and medical treatment. Companies have recently created a strategy for healthcare called “managed care plans”. This plan is offered by most employers as it offers the lowest coverage. These plans can also be found under the heading […]

Do you feel excited by the potential upside of China, but are unable to pull the trigger due to the substantial downside risk? This is how you can invest in China’s growth while still sleeping at night. China has been the largest country in the world for 18 of the last 20 centuries. It is determined […]

What should you do if your doctor sends you a bill for services you believe should have been covered by your insurance? If your doctor says that your insurance company denied payment, then you are responsible. It could be hundreds of dollars. What if the bill is for an older date? How do you pay the bill You might […]

HSAs (Health Savings Accounts) have been the topic of much debate lately as employers investigate whether these relatively new accounts offer the right benefits for their workers and company. The HSA was created by Medicare legislation in December 2003 and signed into law in January 2004. It allows employees and employers to fund a tax-sheltered […]

How do you think an additional $5000 or $10,000 in expenses would fit into your family’s budget? High out-of-pocket costs for medical care can be caused by consumer-driven healthcare plans, which were part of the Medicare overhaul legislation passed in 2003 by Bush. This is similar to a tax hike. Two financial components of consumer-driven healthcare […]

Mortgages are a long-term financial commitment. You must continue to make the monthly payments for the entire term of the mortgage. It will be over many years, but no one can predict how your financial situation will change. This is a huge risk. Mortgage Payment Protection Insurance (MPPI), is one of many valuable insurances that you can […]

We discovered that flood insurance was not available to most homeowners in New Orleans, even though they lived in low-risk areas. To rebuild New Orleans, the over 60% homeowners will have to rely on their savings and limited federal assistance. This is at a cost that homeowners and taxpayers cannot afford. Is it possible that California […]