Derailed Finances

Derailed Finances

The stock market was down almost 45% this year. Housing values are down 20% and unemployment is at an almost all time high. Social security and Medicare are running out of money and may be non-existent in our lifetime. The question is, how have your long range financial expectations changed? Do you still feel secure in your financial future? No one wants to be a pessimist but it is important to be a realist, especially now. One thing that’s for sure, if you continue to do the same things you’ve always done you can expect the same results.

There is good news out there. A lot of people are doing quite well during these recessed times...

Read More

Strategies For Saving Money

Strategies For Saving Money

Moved by the rice crisis and the never ending oil price hike, I was able to write this post on practical money saving tips to help ordinary people from different walks of life. Many have been crippled financially as our economy begins to feel the impact of the global economic crisis. Rice shortage and increasing oil prices are just some the financial woes of Filipinos nowadays.

Here are three Practical money saving tips, which I know works base on my experience.

1.) The Bigger are sold Cheaper – While the phrase is not absolute, you will notice that many of our household items can be bought cheap when we choose the bigger package over the smaller one. This is sometimes called buying in bulk or wholesale...

Read More

Make Easy Money Online

Make Easy Money Online

There are a lot of people who don’t believe it’s possible to make easy money online. They hear the phrase “easy money” and assume that anyone who says they are making it is simply making it up or trying to scam other people. In reality, there are millions of people around the world who make easy money online through one venture or another. All it really takes is a few basic marketing skills and putting forth a little consistent effort to keep the money coming in.

While the economy in many retail sectors is going downhill, the online economy is actually growing. Recent economic numbers have shown that the amount of money being spent online is increasing regularly, despite the economic woes elsewhere...

Read More

Does Health Insurance In India Improving Indian Healthcare System

Does Health Insurance In India Improving Indian Healthcare System

The shaky public health care system is one of the weak factors leading to poor human development index of the country. Indian health care system has lot of defects leading by low public expenditure by the federal and state governments and low awareness of health insurance among citizens of the country. Government does not have any coherent and sustainable plan to fulfill health care demands and increasing overall health care standards of the country...

Read More

How To Manage Your Finances – 8 Tips To Take Control of Your Finances

How To Manage Your Finances – 8 Tips To Take Control of Your Finances

How to manage your finances is one of the important components of having a good life. Whether you have a smaller income or a better one, you will truly save yourself from a lot of worries and trouble if you know how to manage your finances well.

(1) Set priorities carefully plan your finances. Know your wants and your needs. Do not be confused with what you need and what you want. If you want to make big purchases like getting a home or a car, careful planning will be your key to make it a little easier.

(2) Make a budget. It is always helpful to make a guide on your spending for the next few months...

Read More

Health Insurance Options for Georgia Residents

Health Insurance Options for Georgia Residents

Irrespective of the fluctuations in economy, our healthcare requirements are always the same. It is our primary concern to see that we get a quality health care. Since there is a highly competitive environment outside there in the health insurance arena, there are a lot of health insurance companies advertising their health care plans at highly affordable rates and with highly beneficial coverage options. Therefore the task of finding a suitable health insurance plan is made easier than ever for the residents of Georgia.

Health insurance plans enable the Georgia residents gain access to quality health care as and when they require it...

Read More

Can Consolidating Your Debt Fix Your Financial Woes?

Can Consolidating Your Debt Fix Your Financial Woes?

Many people have been finding themselves in financial trouble because of the bad state of the recent economy. There are many ways so people can fix their money problems, such as filing for bankruptcy, getting a loan to pay off previous debts, and consolidating their debt. Among these options, debt consolidation seems to be the most popular and reasonable of all.

What Is Debt Consolidation?

A very common misconception of debt consolidation is that people think it is the loan. However, the process of debt consolidation actually means merging all your existing unpaid loans into one easy-to-pay debt...

Read More

Live Longer On Less When Retirement Funds Run Out

Live Longer On Less When Retirement Funds Run Out

Even with my health problems, my wife and I believed we were prepared for retirement fifteen years ago. Our nest-egg was substantial and the economy was in good health. We optimistically believed our retirement funds would last until we passed, and we would leave a large inheritance to our kids.

I retired at the age of 61 in 1998. My cardiologist advised that with the continued stress of my job I could soon be dead or at least severely disabled, but if I would get my life-style under control, I could expect to live past my actuarial age of 85. I resolved to beat the medical issues and live well the next twenty-five years.

My wife and I had both stashed money into self-directed 401 K accounts...

Read More

Your Short Term Health Insurance Options

by xeeliz

Your Short Term Health Insurance Options

With the economy in the shape it is, many people are losing their jobs. As of November 2008, the United States lost 500,000 jobs. With that kind of loss, there are many people now without health insurance. Even though many people can’t opt for COBRA, the price is usually too high to afford.

Finding an affordable health insurance plan in the US can be a challenging task for someone who does not have money. There are many different kinds of health insurance plans available. The health insurance plans that usually come to mind when people think about health insurance are employer-sponsored group health insurance plans, state-sponsored health insurance plans, and individual health insurance plans.

If a person does not have the option of buy...

Read More

Self Employed Options On Health Insurance

by Pan American Health Organization PAHO

  Options of Health Insurance for the Self Employed

Health insurance remains to be a concern for people of various lifestyles. However, it is of most concern to those who are self employed. Often times, the self employed can have some difficulties trying to find health insurance that will be suitable for their lifestyle, although it is possible to achieve. Some of the following guidelines may be helpful for those interested in health insurance self employed.

For anyone who is self employed and is interested in getting their own health insurance plan, it is going to be necessary to devote some time to doing research...

Read More

Health Insurance In A World Of Money Issues

Health Insurance In A World Of Money Issues

Getting sick is something no one wants to think about, but when it becomes a reality it can be that much harder to deal with. The cost of health care continues to rise, making it difficult to face financially. Consider being faced with a life threatening or lifelong disease and trying to pay for it yourself. This becomes an impossible situation without health insurance. Medicare as it is now cannot be the only option when your family and additional health concerns may arise when you fall ill.

When a person’s health begins to deteriorate it can put them at risk of lost employment and as well as financial hardship due to travel expenses, cost of medical procedures, and medication. This is a risk that should not be taken...

Read More