“Do Discount Fee for Medical Service Programs Really Work?”Written by Topher John
“With Health Insurance Rates on Rise, More People are Buying Into These Discount Card Programs”Having a Health Insurance Policy provides a great sense of security for many families. Most people with health insurance usually have it through their employer and employee and employer may share responsibility on paying premium. Even though health insurance coverage provides a great benefit, it also provides a great fear that looms over our heads. The fear of not being able to afford health insurance or not having health insurance can provide great difficulty to many people. We can also see a trend that more people do not have job-based health insurance. I’m sure if you have been in work force for last 5-10 years you can see that rates are rising every year (I have experienced a 20% increase in my rate last year alone) and with those high rates we have to pay more of a deductible. You have to wonder how long middle class family can sustain health coverage. Plus I know supplemental Health Insurance (specifically Dental and Vision Care) is out of question for me to provide to my family. It really is a shame isn’t it? So our system is faced with many challenges, perhaps our healthcare system needs a total overhaul. So what are we to do? Well, I’m not sure if there is anything we can do to change entire system immediately. However, if you are like me we can do something that will help limit costs of supplemental Health Care. For those who cannot afford additional $100.00 per month for Dental Care on top of your $650.00 plus payment for medical insurance, I would suggest into researching a supplemental health care program.
| | Eight Ways To Sink Yourself FinanciallyWritten by Richmond Acheampong
1. Don’t focus on your finances The reason most people get into debt is because they don’t spend enough time focusing on their finances. You need to get a grasp of where you’re at financially, keep track of your income in relation to expenses and spending habits.2. Failure to develop a good financial plan No one would imagine going on vacation without planning for it. Yet when finances are concerned, many people don’t plan. A good financial plan can be difference between comfortable living and struggling to get by. 3. Waiting too long to invest When making investments, time is of essence. Compound interest earns money over time; so don’t wait too long to save for retirement. The longer you wait to invest, smaller your return on investment. 4. Marrying wrong person Who you marry has a huge impact on your finances. Couples with different views on money, create stress in their marriage. Divorce apart from emotional pain and suffering causes financial heartache.
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