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Deal Of The Day:
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Deal Of The Day:
Move over "Cash for Clunkers." There's a new green-driven stimulus project offering a bonus to consumers nationally who buy a new energy-star rated appliance.
Valentine's Day is a time for being with the one you love. It's also one of the most popular days to get engaged. Before getting caught up in the stress of planning an elaborate wedding, it's smart to select the right health plan to build a strong foundation for a life-long partnership.We want to start a family right away. What should we do?
Looking to start a family this year? The health insurance you pick is very important. Not all plans offer maternity benefits, and these benefits are going to be extremely important to you at this time in your life. When shopping for plans, make sure you pick a health insurance plan that offers the maternity benefits to kick in right away... not six or nine months in the future. Also, some plans offer "well child" or "well baby" care. This is care for your baby from checkups to immunizations... so make sure this part of the plan is affordable.
Can I add my spouse to my employer's health insurance plan?
You certainly can, but is it the best deal? Just like question one, asking if it is best to keep plans separate, the answer really comes down to cost. Talk with your HR department. How much does your employer pay towards monthly premiums for a spouse and/or children? More often than not, the monthly contributions will be substantially less. Ask yourself questions before deciding on a health plan solution for you and your spouse. How do the copayments and deductibles compare? How do the monthly premiums for individual or family plans compare to the amount of money taken from your paycheck?
We don't have health insurance. What is our best bet?
No health insurance? It's time to get some, and at an affordable cost, too. Health insurance is extremely important. It limits your financial liability when you need medical care, or when you want it. According to an article by CNN Money, with the cost of medicare on the rise and medical bills among the most common reason for personal bankruptcy, a quality health insurance plan can help provide the financial security you need. If your employers do not cover health insurance, look into individual and family plans. It may not be that bad. Two people covered under a family plan pay an average of $328 a month for coverage, according to a recent survey by eHealth Inc.
How do we combine plans without medical underwriting?
It is very possible to combine plans with no medical underwriting. If you are interested in adding your spouse to your employer-sponsored group health insurance plan, individual medical underwriting is not necessary. Do not worried about being declined, because you cannot be turned down for pre-existing medical conditions under a group health insurance plan. If you are both under individual plans however, talk to a licensed insurance agent to find which companies are more flexible in their standards on pre-existing medical conditions. If no plans work for you, check into government-sponsored plans available in your area.
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Deal Of The Day:
Want to put your money where your mouth is?NPR: "But why punish the banks if they have almost all paid back what was essentially an investment by the federal government?" [i.e. TARP funds]Click here MoveYourMoney.info.Johnson: "It's not about punishment, it's about responsibility, about people looking forward, and saying, 'How comfortable am I with the largest six banks in this economy now having total assets--which of course come from their liabilities, which is money they get from us--total assets of over 60 percent of the size of our economy, 60 percent of DGP?' That's a big banking system that's more concentrated than in the past--those same six banks back in the 1990s were less than 20 percent of GDP."
Customers of New Jersey Natural Gas will get some relief with their heating bills over the next two months thanks to the recent drop of wholesale natural gas prices.
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Deal Of The Day:
Trimming down the cost of a monthly car insurance premium may be easier to do, especially if you've recently been laid off.
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Deal Of The Day:
Looking for a more energy-efficient light bulb? Make it dimmer.
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