Should You Trust the Official Medicare Website?

Should You Trust the Official Medicare Website?

click photo for more information
Should You Trust the Official Medicare Website?
If you haven’t yet chosen a Medicare plan for 2020 — the deadline is this Saturday, Dec. 7 — beware of putting too much faith in the program’s official website. If you have chosen a 2020 plan already, beware of assuming the plan details you received from the official Medicare website are accurate. The information you find at Medicare.gov may be wrong...
1
29

Comments

Write a comment

This Week in Fintech

click photo for more information
This Week in Fintech
This weekly summary from our 5 experts, brings you insights based on their experience as investors, entrepreneurs & executives. Ilias Hatzis started his first company, an internet search engine, during the dot-com era & now focusses on crypto. Efi Pylarinou worked for top tier Wall Street firms and is now a top global Fintech influencer. Jessica […] The post This Week in Fintech appeared first on Daily Fintech. [...]
1
31

Is Lack of Trust a First Order Function in Narrowing the Insurance Protection Gap?

click photo for more information
Is Lack of Trust a First Order Function in Narrowing the Insurance Protection Gap?
image The Geneva Association released an ambitious discussion of trust and its effect on insurance transactions, particularly in the perspective of well-known ‘protection gaps’ that are pervasive across many lines of insurance within mature economies.  Is, as Jad Ariss, Association Managing Director notes in the publication’s foreword, a “lack of trust fundamentally impeding insurance demand,” […] The post Is Lack of Trust a First Order Function in Narrowing the Insurance Protection Gap? appeared first on Daily Fintech. [...]
2
5

Innovate from the customer backwards- but caveat innovator!

click photo for more information
Innovate from the customer backwards- but caveat innovator!
image The insurance industry is in large part past the hysteria of disruption, innovation and entrants solving the issues of the insurance world, and is moving into the stage of implementation, collaboration and iteration. Startups that have gained traction are now broadening their markets, and in some cases, their offerings. And, the industry is recognizing […] The post Innovate from the customer backwards- but caveat innovator! appeared first on Daily Fintech. [...]
1
49

Transparency, Transparency, Transparency in portfolio performance

click photo for more information
Transparency, Transparency, Transparency in portfolio performance
Four years ago, I started preaching about Transparency in wealth management. In the Global Transparency movement in Portfolio Performance from the Daily Fintech archives in October 2015, I asked for `…  a world in which Barron’s top advisor annual rankings take into account performance. Believe it or not, right now these rankings don’t include performance […] The post Transparency, Transparency, Transparency in portfolio performance appeared first on Daily Fintech. [...]
1
41

The aeronautic industry in 2019

click photo for more information
The aeronautic industry in 2019
The post The aeronautic industry in 2019 appeared first on ONEtoONE Corporate Finance. [...]
3
38

Gamification via a Fintech ecosystem wins a UN Global Climate Action Award

click photo for more information
Gamification via a Fintech ecosystem wins a UN Global Climate Action Award
A 3yr old Corporate Social Responsibility – CSR – initiative that took a life of its own, has resulted in a 2019 UN Global Climate Action Award for Alipay AntForest App. A great example of gamification and network effects on an ecosystem like Alibaba. At launch, it was one of the many charity projects that […] The post Gamification via a Fintech ecosystem wins a UN Global Climate Action Award appeared first on Daily Fintech. [...]
1
52

This Week in Fintech

click photo for more information
This Week in Fintech
Daily Fintech brings fresh daily fintech insights from people just like you – senior executives, entrepreneurs & investors working in the fintech revolution. Our weekly summaries give you a look at what you will get by reading the whole article. Bernard Lunn is a Fintech deal-maker, investor, entrepreneur and advisor. He is CEO of Daily […] The post This Week in Fintech appeared first on Daily Fintech. [...]
1
21

This week in Fintech

click photo for more information
This week in Fintech
Daily Fintech brings fresh daily fintech insights from people just like you – senior executives, entrepreneurs & investors working in the fintech revolution. Our weekly summaries give you a look at what you will get by reading the whole article. Bernard Lunn is a Fintech deal-maker, investor, entrepreneur and advisor. He is CEO of Daily […] The post This week in Fintech appeared first on Daily Fintech. [...]
1
76

Seniors Rate This Type of Medicare Higher for Satisfaction

click photo for more information
Seniors Rate This Type of Medicare Higher for Satisfaction
Choosing between the two main types of Medicare is perhaps the biggest decision that Medicare recipients face. Deciding to go with Original Medicare or Medicare Advantage is not a one-time decision, either. Recipients must make it when they first enroll in Medicare, and they have an opportunity to switch from one type of Medicare to the other during open enrollment periods. [...]
1
59

This week in Fintech

click photo for more information
This week in Fintech
Daily Fintech brings fresh daily fintech insights from people just like you – senior executives, entrepreneurs & investors working in the fintech revolution. Our weekly summaries give you a look at what you will get by reading the whole article. Bernard Lunn is a Fintech deal-maker, investor, entrepreneur and advisor. He is CEO of Daily […] The post This week in Fintech appeared first on Daily Fintech. [...]
1
90

Australia’s Trade Ledger Chalks Up Another European Win

click photo for more information
Australia’s Trade Ledger Chalks Up Another European Win
Jessica Ellerm is a thought leader specializing in Small Business and the Gig Economy and is the CEO and Co-Founder of Zuper, a neowealth disruptor in Australia. Aussie trade finance startup Trade Ledger is one of a handful of Aussie fintechs chalking up success after success offshore, especially in Europe. Last year the company won Barclay’s […] The post Australia’s Trade Ledger Chalks Up Another European Win appeared first on Daily Fintech. [...]
1
76

17 Things You’re Keeping for No Reason — and Should Toss

click photo for more information
17 Things You’re Keeping for No Reason — and Should Toss
My circa-1987 all-gray kitchen is finally undergoing a much-needed renovation. But before the demolition could start, my husband and I had to take every single thing out of our cupboards and drawers. It was kind of like an archeological dig, as we discovered mysterious gadgets, orphaned appliance cords and even a 1990 receipt for a coffeemaker purchased by our home’s previous owners. [...]
1
90

This Week in Fintech

click photo for more information
This Week in Fintech
Daily Fintech brings fresh daily fintech insights from people just like you – senior executives, entrepreneurs & investors working in the fintech revolution. Our weekly summaries give you a look at what you will get by reading the whole article. Bernard Lunn is a Fintech deal-maker, investor, entrepreneur and advisor. He is CEO and Editor […] The post This Week in Fintech appeared first on Daily Fintech. [...]
1
66

Capital One Hikes Potential Bonus on Spark Business Cards (Limited Time)

click photo for more information
Capital One Hikes Potential Bonus on Spark Business Cards (Limited Time)
For a limited time, Capital One is offering big spenders extra-large sign-up bonuses worth a grand total of $2,000 each on two of its most rewarding small-business credit cards. The new bonuses are: Capital One® Spark® Cash for Business: Earn a $500 cash bonus when you spend $5,000 in the first 3 months and earn... Gregory Karp is a writer at NerdWallet. Email: gkarp@nerdwallet.com. Twitter: @spendingsmart. The article Capital One Hikes Potential Bonus on Spark Business Cards (Limited Time) originally appeared on NerdWallet. [...]
1
75

New Benefits Coming to Medicare Advantage Plans

click photo for more information
New Benefits Coming to Medicare Advantage Plans
Transportation to doctor appointments, reimbursement for cooking classes and coverage for home air cleaners are among new benefits you might find offered by Medicare Advantage plans for 2020. As we have explained before, Medicare health insurance plans can be divided into two main types. The federal government’s Medicare program directly offers the first type, Original Medicare. [...]
1
76

This week in Fintech

click photo for more information
This week in Fintech
Every day we bring you fresh insights about Fintech from an elite group of Authors who are just like you – senior executives, entrepreneurs and investors on the frontlines of the global Fintech & Crypto revolution. Once a week Daily Fintech’s Editor summarises these posts so that busy people can get a peek at what […] The post This week in Fintech appeared first on Daily Fintech. [...]
1
116

This week in Fintech

click photo for more information
This week in Fintech
Every day we bring you fresh insights about Fintech from an elite group of Authors who are just like you – senior executives, entrepreneurs and investors on the frontlines of the global Fintech & Crypto revolution. Once a week Daily Fintech’s Editor summarises these posts so that busy people can get a peek at what […] The post This week in Fintech appeared first on Daily Fintech. [...]
1
53

Venture Capital in Europe peaks, China falls as investors shun IPOs

click photo for more information
Venture Capital in Europe peaks, China falls as investors shun IPOs
KPMG released their pulse report on global venture capital trends for Q3 2019 yesterday. There were some key highlights from the report worth discussing about. The most pleasantly surprising trend is the increase in VC investments in Europe. Despite Brexit and Germany moving towards a recession, venture and scale up investments in Europe hit a […] The post Venture Capital in Europe peaks, China falls as investors shun IPOs appeared first on Daily Fintech. [...]
1
93

The new wisdom in credit ratings for SMEs

click photo for more information
The new wisdom in credit ratings for SMEs
Jessica Ellerm is a thought leader specializing in Small Business and the Gig Economy and is the CEO and Co-Founder of Zuper, a neowealth disruptor in Australia. Back in 1968, Dr Edward Altman was responsible for a major innovation in the field of credit risk analysis for corporate businesses – the Altman Z-score. While it transformed […] The post The new wisdom in credit ratings for SMEs appeared first on Daily Fintech. [...]
1
57

The Complex Post-Trade world of Securities and its API transformation

click photo for more information
The Complex Post-Trade world of Securities and its API transformation
Internal communication and client communication in Securities Services remains a nightmare. This sector is actually a great example of batch processing, lack of cross border interoperability and standardization. In July, BCG consulting and SWIFT published a white paper, looking at APIs in the Security Services industry. Adoption is low but awareness amongst asset managers grew […] The post The Complex Post-Trade world of Securities and its API transformation appeared first on Daily Fintech. [...]
1
38

This week in Fintech

click photo for more information
This week in Fintech
Every day we bring you fresh insights about Fintech from an elite group of Authors who are just like you – senior executives, entrepreneurs and investors on the frontlines of the global Fintech & Crypto revolution. Once a week, Daily Fintech’s Editor summarises these posts so that busy people can get a peek at what […] The post This week in Fintech appeared first on Daily Fintech. [...]
1
50

Consulting Firms’ appetite for digital marketing and ad agencies increases M&A activity level in the industry.

click photo for more information
Consulting Firms’ appetite for digital marketing and ad agencies increases M&A activity level in the industry.
The post Consulting Firms’ appetite for digital marketing and ad agencies increases M&A activity level in the industry. appeared first on ONEtoONE Corporate Finance. [...]
1
71

22 Purchases You Should Never Skimp On

click photo for more information
22 Purchases You Should Never Skimp On
BlueSkyImage / Shutterstock.com Who doesn’t love a bargain? Scheming to get the best price — whether by utilizing coupons, sales, frequent-shopper points or other tips — is a rewarding and fun pastime. But sometimes, purchasing the absolute cheapest item in a certain category isn’t the way to go. That old saying, “You get what you pay for,” rings true time and... [...]
1
83

This week in Fintech

click photo for more information
This week in Fintech
Every day we bring you fresh insights about Fintech from an elite group of experts who are just like you – senior executives, entrepreneurs and investors on the frontlines of the global Fintech & Crypto revolution. Once a week Daily Fintech’s Editor summarises these posts so that busy people can get a peek at what […] The post This week in Fintech appeared first on Daily Fintech. [...]
1
62

25 Things You Should Never Buy — and What to Buy Instead

click photo for more information
25 Things You Should Never Buy — and What to Buy Instead
StoryTime Studio / Shutterstock.com American consumers are swimming in sea of products. Any need, want or whim can be met with a quick trip to the mall or click of a keyboard. In this retail wonderland, it’s easy to make a few mistakes. We’ve all fallen victim to aggressive marketing and been lured in by budget-busting convenience products, impulse buys and things that simply don&#8217. [...]
1
81

This week in Fintech

click photo for more information
This week in Fintech
Daily Fintech brings fresh daily fintech insights from people just like you – senior executives, entrepreneurs & investors working in the fintech revolution. Our weekly summaries give you a look at what you will get by reading the whole article. Bernard Lunn is a Fintech deal-maker, investor, entrepreneur and advisor. He is CEO of Daily […] The post This week in Fintech appeared first on Daily Fintech. [...]
1
77

Payments giants battle it out for the new breed of retail customer

click photo for more information
Payments giants battle it out for the new breed of retail customer
Jessica Ellerm is a thought leader specializing in Small Business and the Gig Economy and is the CEO and Co-Founder of Zuper, a neowealth disruptor in Australia. Payments processor Adyen has prized eBay away from PayPal and a high profile customer from Square.  Is there a changing of the guard afoot in the global fintech […] The post Payments giants battle it out for the new breed of retail customer appeared first on Daily Fintech. [...]
1
73

This week in fintech

click photo for more information
This week in fintech
Daily Fintech brings fresh daily fintech insights from people just like you – senior executives, entrepreneurs & investors working in the fintech revolution. Our weekly summaries give you a look at what you will get by reading the whole article. Bernard Lunn is a Fintech deal-maker, investor, entrepreneur and advisor. He is CEO and Editor […] The post This week in fintech appeared first on Daily Fintech. [...]
1
119

15 Things You Should Always Buy at Yard Sales

click photo for more information
15 Things You Should Always Buy at Yard Sales
Yard sales are the ultimate form of recycling. Whether your neighbor is hawking a souvenir spoon collection on her lawn or your church has gathered congregants’ donations for a fundraiser, you can dig up some hidden gems. Plus, pat yourself on the back: Giving these items new life will likely save trash from filling up a landfill. Here’s a look at things you’d be smart to snatch... [...]
1
181

5 Reasons You Should Work for as Long as You Live

click photo for more information
5 Reasons You Should Work for as Long as You Live
dotshock / Shutterstock.com While countless workers dream of retirement, millions more have decided to work full time or part time after age 65: The Bureau of Labor Statistics predicts that by 2024, there will be more than 13 million working Americans ages 65 and older. A 2017 Gallup poll found that 74% of working Americans planned to work past retirement age. Working longer might be your best... [...]
1
138

When Can I Retire If I Was Born in 1960?

click photo for more information
When Can I Retire If I Was Born in 1960?
If you were born in 1960 or later, your full retirement age is 67 for Social Security. For most people born in 1960, the retirement window starts in 2022, when they can begin taking Social Security benefits early, or as late as 2030, when benefits hit their peak. Of course, if your finances permit, you... Liz Weston is a writer at NerdWallet. Email: lweston@nerdwallet.com. Twitter: @lizweston. The article When Can I Retire If I Was Born in 1960? originally appeared on NerdWallet. [...]
1
99

How Much Should You Spend on Essentials? Here’s What the Experts Say

click photo for more information
How Much Should You Spend on Essentials? Here’s What the Experts Say
Unless you treat budgeting like a book club and openly discuss your spending habits with your friends, you may not realize you’re overspending — or underspending — in certain categories. Budget recommendations can help you better assess how you manage your money. We turned to government sources and industry leaders for those recommendations in four major categories: housing, food, debt and retirement. These budget percentages — which you can tweak to fit your situation — can help you determine where your dollars should go. Don’t Spend More Than 30% on Housing It might be difficult if you’re in a city with a high cost of living and you don’t have roommates, but try to keep your housing expenses under 30%. Government agencies, including the U.S. Department of Housing and Urban Development, consider households cost burdened if they spend more than that. If your annual income is around $30,000, you shouldn’t spend more than $750 a month on housing. If you make $50,000 a year, your monthly housing costs shouldn’t exceed $1,250. Individuals and families bringing in $75,000 annually can increase their housing spending threshold to $1,875 a month. Keeping this threshold in mind isn’t just good for your financial well-being; it can also affect your ability to find housing. Leasing agents and housing lenders compare housing costs to your income to determine whether to approve a rental or mortgage application. Keep Food Costs Between 10 and 15% Food spending can vary drastically from one household to the next based on family size, dietary needs, food preferences and other factors.  Still, one way to assess your spending is to turn to the United States Department of Agriculture’s monthly food-cost guide, which is based off government recommendations for a nutritious diet and food prices from the early 2000s that have been updated to reflect current dollars.  The guide focuses on costs for food prepared at home. (Don’t include your Uber Eats expenses when comparing your spending to the recommendations.) The USDA’s chart breaks down food costs in dollar amounts based on four spending levels — thrifty, low-cost, moderate and liberal. It’s further broken down in terms of age, gender and family make-up.  The recommended spending for a moderate-cost plan generally takes up between 10 and 15% of the budget for a middle-income individual or couple. According to the chart, a woman under 50 should spend $257.20 a month on a moderate-cost food plan. If she made $30,000, that would be about 10% of her monthly budget. A man under 50 on a moderate plan should spend about $302.20, which is 12% of a $30,000 annual salary. A couple in the same age bracket following the same food plan is recommended to spend $615.30 a month on groceries. If that couple earned a combined $50,000 a year, 15% on their budget would go to food expenses. If they earned $75,000, they’d be spending 10% of their monthly income on food. Certainly, having kids increases the cost of food. According to the USDA, a moderately-spending family of four should spend $892.40 monthly with children under age 6, or $1,065.20 a month if their kids are between ages 6 and 11. That means a family earning $75,000 a year would spend 14% of their budget on food if they had young kids or 17% if they had older kids. FROM THE BUDGETING FORUM How do you distribute your income? 8/5/19 @ 1:38 PM T Budgeting Apps? 3/18/19 @ 12:42 AM Is there a particular budgeting booklet 8/19/19 @ 2:14 PM A Have you tried the Zero Based budgeting method? 6/7/19 @ 1:58 PM See more in Budgeting or ask a money question Debt Payments Shouldn’t Make Up More Than 43% Ideally, you want none of your income going toward repaying loans. But if you’re like most American adults, you probably owe money in the form of credit card debt, a mortgage, a car note, student loans or medical bills. The Consumer Financial Protection Bureau says the 43% debt-to-income ratio is the standard most lenders will use to determine whether a borrower can be approved for a qualified mortgage. Borrowers whose monthly debt payments (including their mortgage) make up more than 43% of their monthly gross income would have a harder time qualifying for a loan. To think of this budget percentage in real dollars, an individual with an annual household income of $30,000 shouldn’t have over $1,075 in total monthly debt payments. Someone with an annual household income of $50,000 shouldn’t exceed $1,792 per month, and those who earn $75,000 a year shouldn’t put more than $2,688 a month toward paying off debt. If your minimum debt payments exceed 43% of your income, consider asking creditors for a lower interest rate, refinancing or consolidating your loans or opening a balance transfer credit card with a 0% introductory interest rate. Another option is increasing your income with a regular side gig or second job. Of course, if you have room in your budget to spend more than 43% of your income in order to make extra payments and get rid of your debt quicker — more power to you! Aim to Save 15% (or More) for Retirement Saving and investing in your working years allows you to have money to draw from when you no longer have a paycheck coming in. How much you ought to put aside will depend on a few factors, like age, income level and your estimated cost of living once you hit retirement.  A rule of thumb from investment firm Fidelity is to start saving 15% of your income (including employer contributions) at age 25. If you make $30,000 annually, you should save $4,500 per year or $375 a month. If you have an annual salary of $50,000, try saving $7,500 a year or $625 monthly. If you’re getting a later start saving for retirement, you’ll need to up that contribution. Fidelity recommends saving 18% if you start at age 30 or 23% if you start at 35. Our guide to retirement planning outlines what you need to know when it comes to saving for your golden years. And if you’re hoping to retire before the wrinkles set in, check out this article on how to retire early. Guidance For Your Other Spending Your monthly spending likely falls into other budget categories as well. To see what other Americans spend in categories like apparel, transportation, health care, entertainment, personal care, education, insurance and more, check out the U.S. Bureau of Labor Statistics’ annual consumer expenditures survey. Personal finance guru Dave Ramsey also shares popular budget percentage recommendations on his EveryDollar site. Know that what’s recommended for budgeting — whether it’s from government sources or a trusted personal finance personality — should be seen as a guideline, not as a mandate. A blanket percentage can’t account for everyone’s unique financial situation. So go ahead and customize your budget as it fits for your life. As long as your budget meets your needs (and allows you to save for the future), you’re doing something right.  Nicole Dow is a senior writer at The Penny Hoarder. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penn [...]
1
157

Play-Doh Cranky the Octopus

click photo for more information
Play-Doh Cranky the Octopus
Order this super deal on the Play-Doh Cranky the Octopus while it is available. You can purchase this now and use it as a gift idea later in the year. You can order the Play-Doh Cranky the Octopus for only $8.39. You will be saving 51% because it is usually $16.99. Be sure that you ... Read More about Play-Doh Cranky the Octopus The post Play-Doh Cranky the Octopus appeared first on Penny Pinchin' Mom. [...]
1
144

Chase Adds Emirates Skywards as Airline Transfer Partner

click photo for more information
Chase Adds Emirates Skywards as Airline Transfer Partner
Chase has landed another airline as a travel transfer partner. As of Aug. 25, 2019, cardholders with eligible Chase credit cards have the option of transferring their Chase Ultimate Rewards® points into Emirates Skywards miles at a 1:1 ratio. Emirates Skywards is the loyalty program for Emirates and flydubai, two airlines based in Dubai. The addition gives... Claire Tsosie is a writer at NerdWallet. Email: claire@nerdwallet.com. Twitter: @ideclaire7. The article Chase Adds Emirates Skywards as Airline Transfer Partner originally appeared on NerdWallet. [...]
1
92

Should You Consider Medi-Share for Health Insurance? Here’s Our Take

click photo for more information
Should You Consider Medi-Share for Health Insurance? Here’s Our Take
If you’ve heard ads for Medi-Share, you might be intrigued by its promises to cover your health care costs. Curious? We looked into the details to find out how Medi-Share works — and whether it’s a good option for you. Here’s our honest, unbiased review of the program. What is Medi-Share? Medi-Share is a health-care sharing ministry made up of members united by their faith. This program and similar medical-sharing ministries rely on their members to take care of one another through financial contributions, as well as prayer.  The details work much like typical health insurance. Like having a deductible, members choose an amount they’ll contribute as a household before they can submit bills to the community for payment assistance.  A monthly share payment works like a premium, ensuring your eligibility for assistance, should you need it. There’s no guarantee your medical expenses will be covered through Medi-Share, and there are plenty of exemptions to consider before you apply.  But if you’re particularly religious — and healthy — you may want to consider this alternative to traditional health insurance. How Much Does Medi-Share Cost? First, the up-front costs: It costs $50 to apply, and you’ll pay a $120 one-time member fee with your first monthly payment. You’ll pay another one-time fee of $2 to set up your “sharing account.”  As for your monthly payment options, Medi-Share’s system is sort of like choosing a health insurance deductible and monthly premium.  As an example, we calculated costs for a 30-year-old woman seeking membership for herself only. Share amounts change annually, based on the oldest member of the household. If she chose a $1,750 annual household portion — the amount of medical bills you have to pay completely before you’re eligible for sharing — her standard monthly share would be $311.  If she met certain health and fitness requirements, she could qualify for a Healthy Monthly Share, which would lower her cost to $277 per month.   When you need medical care and visit a Medi-Share provider, you pay $35 for doctor visits and hospitalizations, and $200 for emergency room visits.  You submit the rest of your bills to Private Healthcare Systems (PHCS) for payment consideration.  “We do not collect premiums, make promise of payment, or guarantee that your medical bills will be paid,” the Medi-Share website explains. “Sharing of medical bills is completely voluntary.”  Christian Care Ministry, which operates Medi-Share, is a 501(c)3, but your payments aren’t tax-deductible.  Do You Need to Be Religious to Use Medi-Share? Just as Medi-Share embraces the idea of a community of members supporting one another, it also believes in having a membership that embraces Christian lifestyles. The organization may even interview a church leader to verify your involvement before granting you membership. In addition to eschewing tobacco and illegal drug use, applicants “must only engage in sexual relations within a Biblical Christian Marriage.”  And as you might suspect, Medi-Share doesn’t cover abortions or treatment for sexually transmitted infections.  Medi-Share also assumes that if you’re willing to take care of your Christian community by sharing the burden of medical bills, you’ll do your best to take pretty good care of yourself. Some health conditions, like obesity, high cholesterol or diabetes, put applicants in the mandatory Health Partnership Program, which pairs you with a health coach and costs an extra $99 per month.  What If You Have an Ongoing Health Condition? While this might be an appealing option if you’re healthy, anyone who suffers from a chronic health issue is probably better off turning to an ACA health insurance program for coverage.  “The primary purpose of Medi-Share is to help share members’ burdens,” the program explains. “Burdens are those unexpected medical bills you are unable to plan for (ie. broken bones, cancer, etc). Low monthly share amounts enable you to budget for your family’s routine care, which can be planned.”  Prescription drugs can be eligible for cost-sharing, but only for up to six months for the lifetime of the member. Behavioral and mental health care are also ineligible for coverage. This includes psychiatric or psychological care, as well as “counseling or care for learning deficiencies or behavioral problems,” such as ADD or autism. But here’s the big catch: Routine health screenings aren’t eligible for cost-sharing either.  Well-patient care like annual physicals, pap smears and well-child checkups aren’t included. Dental and vision care aren’t eligible, either.  For instance, if your doctor recommends getting a colonoscopy because you’ve reached a certain age, you can’t submit the test for Medi-Share payment. If you have symptoms warranting the same test, the program might grant payment.  FROM THE SAVE MONEY FORUM do it yourself 7/19/19 @ 1:16 AM Summer Is Here: Is Your Electric Bill Affected by Running the AC? 7/17/19 @ 12:08 PM Do You Ever Pick up A Stray Penny? 2/7/19 @ 12:27 PM Do drive-in movie theaters save you money? 7/1/19 @ 3:38 PM See more in Save Money or ask a money question So, Is Medi-Share Legit? Here’s our conclusion: Medi-Share isn’t a scam.  It’s totally legal and there’s a strong membership base to support it and similar programs. But it’s likely not the most affordable health care option for most people. The ideal candidate for Medi-Share is in excellent health and also has a robust savings account to pay out of pocket for routine medical care. One risk: Medi-Share and other cost-sharing programs aren’t subject to regulation like typical ACA programs.  So while a typical health insurance benefits booklet might clearly explain what’s covered and guarantee coverage up to a certain amount or percentage, Medi-Share participants might not be able to figure out ahead of time which medical bills will be paid by the program. While Medi-Share probably isn’t the best financial choice for most people, it does at least serve as an option for anyone who doesn’t have access to a job-sponsored health insurance plan or who finds individual ACA coverage options prohibitively expensive. This was originally published on The Penny Hoarder, which helps millions of readers worldwide earn and save money by sharing unique job opportunities, personal stories, freebies and more. The Inc. 5000 ranked The Penny Hoarder as the fastest-growing private media company in the U.S. in 2017. [...]
1
277

5 Signs That You Should Fire Your Financial Adviser

click photo for more information
5 Signs That You Should Fire Your Financial Adviser
Financial advisers are supposed to take your cash and use it to generate more wealth for you, but sometimes they fall well short of the mark. Even worse, you may not realize that an adviser has failed you until it’s too late to recoup lost money or missed opportunities. So, if you hope to retire comfortably, it’s crucial that you choose your financial adviser carefully and then keep... [...]
1
251

Spotted: A Bigger Southwest Credit Card Bonus for In-Flight Applicants

click photo for more information
Spotted: A Bigger Southwest Credit Card Bonus for In-Flight Applicants
Sometimes the most lucrative sign-up bonuses aren’t available online. We spotted this sign-up bonus for the Southwest Rapid Rewards® Priority Credit Card in the wild world of in-flight reading materials. • Offer: Earn 50,000 points after you spend $2,000 on purchases in the first 3 months your account is open. • Seen: June 15, 2019,... Meghan Coyle is a writer at NerdWallet. Email: mcoyle@nerdwallet.com. The article Spotted: A Bigger Southwest Credit Card Bonus for In-Flight Applicants originally appeared on NerdWallet. [...]
1
194

5 Hidden Features of 401(k) Plans That You Should Know About

click photo for more information
5 Hidden Features of 401(k) Plans That You Should Know About
When it comes to 401(k) plans, you may be missing out on benefits that you don’t know about. Your 401(k) plan doesn’t have to offer all the tax-savings provisions that the IRS allows for 401(k) plans. So, not all plans have every possible 401(k) feature, which means there are features you might not realize exist. The only way to find out what options your 401(k) offers is to ask your... [...]
1
359

Alaska Airlines Credit Card Adds Discounts for Lounge Access, In-Flight Purchases

click photo for more information
Alaska Airlines Credit Card Adds Discounts for Lounge Access, In-Flight Purchases
Bank of America® and Alaska Airlines recently rolled out new perks for cardholders of the Alaska Airlines Visa Signature® credit card. New and existing cardholders get 20% back on Alaska Airlines in-flight purchases and a 50% discount on lounge day passes when they pay with their Alaska Airlines Visa Signature® credit card. Here’s what you... Meghan Coyle is a writer at NerdWallet. Email: mcoyle@nerdwallet.com. The article Alaska Airlines Credit Card Adds Discounts for Lounge Access, In-Flight Purchases originally appeared on NerdWallet. [...]
1
224

8 Things Private Equity Firms Look for in Companies

click photo for more information
8 Things Private Equity Firms Look for in Companies
The post 8 Things Private Equity Firms Look for in Companies appeared first on ONEtoONE Corporate Finance. [...]
1
225

10 Purchases You Should Not Put on a Credit Card

click photo for more information
10 Purchases You Should Not Put on a Credit Card
wavebreakmedia / Shutterstock.com Many credit cards offer a slew of incentives to consumers who use them — from cash back and other rewards to zero liability in case of fraud. But credit cards are not always your best form of payment, especially if you aren’t great with debt. In many cases, you are better off keeping the plastic tucked away. For some readers, this advice comes too late. [...]
1
689

8 Things Private Equity Firms Look for in Companies

click photo for more information
8 Things Private Equity Firms Look for in Companies
The post 8 Things Private Equity Firms Look for in Companies appeared first on ONEtoONE Corporate Finance. [...]
1
265

7 Pharmacist Loan Forgiveness Programs

click photo for more information
7 Pharmacist Loan Forgiveness Programs
Several programs forgive or repay a portion of your pharmacy school loans if you meet the requirements, such as working in the public sector or in an underserved area for a certain amount of time. A pharmacist loan forgiveness program may be the right option if your career plans align with one of these program’s... Teddy Nykiel is a writer at NerdWallet. Email: teddy@nerdwallet.com. Twitter: @teddynykiel. The article 7 Pharmacist Loan Forgiveness Programs originally appeared on NerdWallet. [...]
1
193

5 Things You Should NOT Buy at Dollar Tree

click photo for more information
5 Things You Should NOT Buy at Dollar Tree
Since you all loved my list of what NOT to buy at Aldi, I thought it’d be fun to put together a list of what NOT to buy at Dollar Tree! What You Shouldn’t Buy at Dollar Tree Wondering what you shouldn’t buy at Dollar? Well, I’ve got you covered in this post! Now, before you think I’m here to disparage Dollar Tree, let me be clear: Dollar Tree is one of my favorite places to shop at. And I’m thrilled that I passed that love on to my daughter! I mean, what’s not to love about Dollar Tree? Everything in the store is a dollar or less. If you’re wondering what I think you should buy at Dollar Tree, be sure to check out my HUGE list of the best things to buy at Dollar Tree. I go to the Dollar Tree for Valentine’s Day gifts. We have a family Christmas tradition where we all go to Dollar Tree and buy each other stocking stuffers! I even think it’s a great place to save money on groceries! But just like any other store, there are definitely some things I think you should not purchase at Dollar Tree because they aren’t great deals. I put together a list of my top five things below: (Psst! Did you see my list of 5 Things You Should Not Buy at Aldi?) 1. Cheap Plastic Toys Okay, so if you want to buy the cheap plastic toys, you totally can — especially if they will give your kids a lot of enjoyment. (Hey, if a cheap plastic toy for $1 will buy you 30 minutes of peace and quiet, I’m all for that!) And full disclosure, we have totally have bought the games, puzzles, activity books many times over the years (especially for road trips), but we try to be careful that we’re not buying cheap toys that won’t work and are just going to break in a few minutes. 2. Boxes of Cereal While they do have name brand cereals, they are small boxes and the price per ounce isn’t a great deal — especially compared to what you’d pay for cereal at Aldi. 3. Mac & Cheese I’ve told you that my kids are big fans of the boxed Mac & Cheese at Aldi — and it’s less than $0.50 per box! Also, there are often deals on Annie’s Mac & Cheese where you can get it for $1 per box or less! Looking for a really delicious homemade mac & cheese recipe. I highly recommend this one. 4. Chips/Pretzels If you don’t have a Kroger or Aldi, the prices on tortilla chips and pretzels could be a good deal for you. The packages are smaller than a typical bag of chips or pretzels at the grocery store. Aldi has the larger bags for $1.19 and Kroger often has larger bags on sale for $1. 5. Hand towels and wash cloths I had to include these because of all the things you can buy at Dollar Tree these are one of the few things I think you should never buy. Why? Because they are basically scratchy, non-absorbent rags. I mean, if you want to buy them for rags, be my guest. But I think you’d be better off using leaves off your backyard trees to clean up a mess than these “towels”. 🙂 Okay, that might be a little bit of an exaggeration, but still, just don’t buy these! Wait until Kohl’s has a deal and a coupon code, and then spend $1-2 per hand towel and wash cloth to buy something that actually works! Do you agree with my list? Is there anything you would add to it? I’d love to hear! Related Links: My 25 Favorite Things to Buy at Dollar Tree 21 Valentine’s Day Deals at Dollar Tree 23 Stocking Stuffer Ideas from Dollar Tree My 25 Favorite Things to Buy at Aldi 5 Things You Should NOT Buy at Aldi [...]
1
642

21 Things You Should Always Buy at a Dollar Store

click photo for more information
21 Things You Should Always Buy at a Dollar Store
Diego Cervo / Shutterstock.com Dollar stores lure us in with rock-bottom prices. Sometimes you get what you pay for, but often the things they sell are good products at a tremendous discount — a real bargain. Here’s what bargain-shopping experts say are among the best buys at dollar stores. [...]
1
237

Mickey Mouse Clubhouse Projectables LED Plug-In Night Light

click photo for more information
Mickey Mouse Clubhouse Projectables LED Plug-In Night Light
Night lights are so much fun for kids, and this one looks really awesome! You can get the Mickey Mouse Clubhouse Projectables LED Plug-In Night Light for only $8.47. You will be saving 47% on this purchase because it is normally 14.99. This night light provides a soft red glow while projecting a Mickey Mouse ... Read More about Mickey Mouse Clubhouse Projectables LED Plug-In Night Light The post Mickey Mouse Clubhouse Projectables LED Plug-In Night Light appeared first on Penny Pinchin' Mom. [...]
1
243

Free Toy Story 4 Movie Ticket when you buy 3 Almond Breeze Products!

click photo for more information
Free Toy Story 4 Movie Ticket when you buy 3 Almond Breeze Products!
Love Blue Diamond Almond Breeze products? Buy three and get a free Toy Story 4 Movie Ticket! Through August 2nd, score a free Toy Story 4 Movie Ticket when you buy 3 Blue Diamond Almond Breeze products! Simply purchase the products in one transaction by August 2nd and then upload your receipt by September 2nd. Thanks, Freebie Shark! [...]
1
252

What Is Medicare?

click photo for more information
What Is Medicare?
Medicare is the government health care program for people 65 and over, and its coverage plays an important role in containing medical costs as you age. But Medicare benefits don’t pay for everything. As you approach age 65, you’ll need to decide how to deal with some of those coverage gaps. For now, knowing the... Liz Weston is a writer at NerdWallet. Email: lweston@nerdwallet.com. Twitter: @lizweston. The article What Is Medicare? originally appeared on NerdWallet. [...]
1
350

70% of Older Adults Don’t Know This Key Social Security Fact

click photo for more information
70% of Older Adults Don’t Know This Key Social Security Fact
Millions of Americans depend on Social Security as the financial foundation of their retirement. Yet, nearly 70% percent of older people cannot correctly identify the age at which they are eligible for full retirement benefits. That finding — courtesy of a recent survey by the Nationwide Retirement Institute — has profound implications for how well people will live in retirement. [...]
1
251

5 Things You Should NOT Buy at ALDI

click photo for more information
5 Things You Should NOT Buy at ALDI
Because so many of you loved my list of 25 best things to buy at ALDI, I decided it was time for me to put together a list of what NOT to buy at ALDI! {Psst! Wondering why I love ALDI so much? Read this post on why I think everyone should shop at ALDI to save money!} 5 Things You Should Never Buy at Aldi As you well know, I think you can save a lot of money by shopping at Aldi. However, that doesn’t mean that everything at Aldi is a good deal. One of the most popular posts on my site is my post on 25 of the best things to buy at Aldi. Today, I thought it would be fun to tell you what I think you shouldn’t buy at Aldi. Here’s my list of what I think you should avoid buying… 1. Name Brand Items Don’t buy brand name items! Why? Because not only are these usually over-priced, you can’t use coupons on them to save more money. What to buy instead: The Aldi brand/off brand counterparts for these name brand items. In most cases, you’ll save 40-60% off of what the name brand item is priced! And we’ve found that it usually works or tastes just as good! (See above photos for side by side comparisons.) 2. Aldi Finds When you walk in the store and near the end of the store as you’re going to checkout, Aldi typically has what they call Aldi Finds. These are often name brand items and are typically unique or weird flavor combinations. I don’t know exactly where they get these from, but my theory is that they were some kind of overstock or trial run at mainstream grocery stores that didn’t do well. (Anyone know?) Not only are they usually not a great deal, but they are also probably a sort of risky purchase since they are likely a flavor or item you haven’t tried before. What to buy instead: Stick to the Aldi brand regular deals and pass up the Aldi Finds. 3. Seasonal Items Aldi has a big section of the store (well, big percentage-wise when you compare it to the size of the store!) devoted to Seasonal type deals. Right now, there will be a lot of summer toys and other things that would be geared toward the summer months. While they often do have some good prices, unless you were looking for that specific item and/or saving up for it and you know this price is less than what you’d pay elsewhere, skip this section of the store. Why? Because you’ll just end up spending money on “good deals” that you don’t need and weren’t planning to purchase in the first place. This, in turn, will negate all of the savings you are getting on groceries! What to buy instead: Focus on purchasing the items are already on your grocery list instead of impulse buying. 4. Pre-Packaged Food If you normally buy pre-packaged snacks and frozen foods, then you will save some money by buying them at Aldi. However, please don’t start buying pre-packaged foods just because you think they are “so inexpensive” at Aldi. What to buy instead: Ingredients to make your own homemade snacks and items! 5. Things You Can Get Cheaper at Dollar Tree If you have a Dollar Tree in your area, be sure to peruse the food and household product aisles to price-check the Dollar Tree prices and sizes against the Aldi prices and sizes. While some Aldi prices are the same or less, some items are significantly cheaper at Dollar Tree. For instance, see the lemon juice shown above? It’s regularly $2.49 at Kroger, $2.39 at Aldi, and just one dollar at Dollar Tree! What to buy instead: Nothing! If you can get it cheaper at Dollar Tree, don’t buy it at Aldi! 🙂 Do you agree with my list? What do you think you shouldn’t purchase at Aldi? I’d love to hear! Related Links: My 25 Favorite Things to Purchase at ALDI Kroger vs. ALDI: Which is Cheaper? An Open Letter to ALDI 52 Different Ways to Save $100 per Year: Shop at ALDI [...]
1
305

Verizon Announces Another Dividend Hike

click photo for more information
Verizon Announces Another Dividend Hike
It marks the 12 consecutive year in which the large wireless operator has hiked its dividend. [...]
1
238

5 Reasons You Should Not Delay Retirement

click photo for more information
5 Reasons You Should Not Delay Retirement
Some people view retirement as something to that should be delayed as long as possible. They say that, for many older workers, waiting as long as possible to collect Social Security benefits is the prudent choice. Important as this advice is for many of us, it may not apply to you. If you are financially prepared, there are good reasons to consider retiring at the traditional age of 65... [...]
1
492