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Some 44 million Americans—one in seven—have no health insurance. For those who do, nearly 85 percent receive it through their employer or their spouse’s employer. While companies still pay the bulk of their workers’ health  care  costs,  their  contributions  have  slipped  in  recent years  and  now  hover  around  70  percent. This  means  that  workers’ copayments and deductibles are up. Even though the stakes are high here, just 17 percent of us spend more than an hour reading our health plan manuals. Fewer than half read the materials with anything more than a cursory glance—until we need to make a claim.

Continue reading ‘The Three C’s to Consider in Health Insurance’ »

Title:Your Financial Action Plan: 12 Simple Steps to Achieve Money Success
Author: G. Cotter Cunningham
Publisher: Wiley
ISBN-10: 0471650307
ISBN-13: 978-0471650300
Start: 2010-10-17
End: 2010-10-24

• When creating an emergency fund, the rule of thumb is to stow between three and six months’ worth of income someplace where it earns interest until you need it. “Need” means that you’re facing a financial sickness, not a mere hiccup.
• The most important thing is to take the plunge: Pay yourself first and start saving. An emergency fund should be part of your savings plan, but by no means the only part.
• Money market mutual funds invest in shorterm corporate and government debt securities and earn a variable interest rate that is often comparable to the interest earned on CDs. You may withdraw money at any time without penalty.
• Shift your bills around by changing the due dates on your credit cards. In this way they will not be so heavy during one part of the month.
• Group your expenses into three categories: fixed expenses (mortgage or rent, car payments, insurance premiums, and savings); variable expenses (regular bills whose amounts can change, such as electric or phone bills); and discretionary (what’s left after the basics are covered).
• Bankrate suggests that you should count on needing 70 to 90 percent of what you’re spending in your pre-retirement life to live a comfortable retirement. (This does not account for inflation.)
• No matter where you invest, it’s best to do so regularly where a fixed amount is deducted automatically from your paycheck monthly and invested in mutual funds. The result is dollar-cost averaging, which means you buy more shares when prices are low and fewer when prices are high.
• Don’t pay a bank for its services. Rather, let them pay you. Add enough to your minimum account balance so that it becomes fee-free.

Here are 10 Don’t in estate planning:

1. Omitting foreign-owned assets from your estate plan
2. Holding all assets jointly
   If you hold all assets jointly, these assets pass by law to the survivor when one  holder  dies, which  can  render  ineffective  otherwise  carefully  constructed estate plans. Continue reading ‘Ten Donts In Estate Planning’ »

Top 10 mistakes you should avoid when looking for insurance:

1. Knowingly underinsuring any major risk that you could cover inexpensively
2. Naming minor children as beneficiaries of a life insurance
   policy
3. Using term insurance for permanent insurance needs
4. Calculating life insurance needs by rules of thumb rather than by assessing your actual circumstances
5. Generally overestimating coverage under Medicare
6. Expecting Medicare to cover a sustained need for long term care
7. Ignoring the need for disability insurance
8. Carrying unrealistically low limits under your liability policies
9. Carrying inadequate deductibles on property/casualty insurance
10. Carrying collision coverage on an inexpensive automobile