Update on Student Health Plans

Written by Tony Novak


Continued from page 1
Fortis Health,repparttar largest issuer of student insurance policies, announced that it is raising rates for policyholders over age 29. The new rates will be about 15% higher. Whilerepparttar 112747 new rates are probably still attractive compared to regular medical insurance policies, there are other alternatives for older and non-traditional students. Fortis’ rates for short-term medical insurance or permanent individual insurance with a high deductible might be a better deal in many situations. An alternate health insurance plan from Clarendon Insurance Company often offers 3 years of coverage to individuals over age 29 at a lower price thanrepparttar 112748 Fortis plan. Rates and enrollment for all of these plans are available online at www.MedSave.com.

About the Author: Tony Novak, MBA, MT, is a financial adviser based in Narberth, Pennsylvania. He is editor/publisher of “Tax and Benefit News” and moderator of the tax forum for financial planners at “Financial Planning Interactive”. He is available by telephone at 1-877-529-7435 to address public inquiries on tax and benefit planning issues free of charge through OnlineAdviser service sponsored by www.MedSave.com and www.FreedomBenefits.com.


Should I Refinance?

Written by Barrett Niehus


Continued from page 1

If you are refinancing your current mortgage and not taking out any equity,repparttar refinance makesrepparttar 112746 most sense if you can reduce your monthly payment, and ifrepparttar 112747 total amount paid (number of payments multiplied byrepparttar 112748 monthly payment) afterrepparttar 112749 refinance is less thanrepparttar 112750 total amount to be paid on your current mortgage. Ifrepparttar 112751 monthly payment is less than your current payment, butrepparttar 112752 overall amount is greater, you must decide if paying less monthly outweighsrepparttar 112753 increased amount you will need to pay. The opposite decision is required if your payment goes up butrepparttar 112754 total amount due decreases. If in either of these situations, care must be taken andrepparttar 112755 returns evaluated carefully to makerepparttar 112756 best decision.

A caveat torepparttar 112757 above analysis is thatrepparttar 112758 amount refinanced must be equal torepparttar 112759 existing mortgage. Ifrepparttar 112760 refinance amount exceedsrepparttar 112761 amount currently due onrepparttar 112762 mortgage then a much more complex analysis is needed. For this type of analysis, you will require a spread sheet with present value and amortization calculations. If you are not comfortable with these type of calculations, consult a financial advisor or accountant to assist with quantifying your decision.

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With IP Ware Real Estate Investment Software, you can evaluate rental properties in seconds. Weed out unfavorable properties in minutes, and save weeks of research with a quick and concise analysis. Begin using this amazing tool TODAY! http://www.freetrainer.com

Barrett Niehus is the Managing Director or IP Ware Real Estate Investment Analysis Software, http://www.freetrainer.com


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