Category Archives: Finance Guide

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 […]

Recent surprises included a letter from my “retirement” company, in which they informed me that my next-year’s premium for health insurance would more than double the amount I paid last year. Although the premium was not cheap, it is absurd. As the baby boomers enter the final stages of their lives, I can see that my […]

Before taking out insurance, policyholders should carefully read and understand the policies. These procedures will provide information including exclusions and details about what the policy covers. Most companies offering car insurance have a variety of exclusions, rules and regulations that are listed in the policy procedures and brochures. A 24-hour claims number is available to customers who […]

For optimal insurance coverage, make sure Cleveland Clinic is part of your plan by verifying this via your insurance card or the PreCheck-In process in MyChart. The Clinic and CVS-owned Aetna have collaborated to offer health insurance plans to employers in northeast Ohio, while also expanding telehealth services through this partnership. Yes Cleveland Clinic, an […]

Your car accident claim should cover medical bills, lost wages and any associated pain and suffering costs. Determining this figure requires the assistance of a knowledgeable lawyer. In no-fault states like New York, drivers must carry Personal Injury Protection insurance to cover basic losses; however, serious injuries could lead to greater compensation being granted by […]