29. December 2016 · Comments Off on Finance – Money, Money · Categories: Finance

Finance is a big word for some of us. It’s a little scary. Maybe you immediately go to thinking about “high finance.” That’s even scarier. But what is the field of finance really about? Money. Okay, so money can be a scary word, too, but it’s a little more manageable because we use it more often. In fact, money management is what finance is all about. It can also mean raising the money for something or lending money to someone on credit.

“Finance your dreams,” they say.

You read about people in ordinary jobs, with ordinary lives, who manage to save and invest their money so they can do the things they really love. There’s a whole book about that. Have you read “The Millionaire Next Door?” It’s a good book and it does give us ordinary people some inspiration about going for our dreams. You don’t have to become a millionaire, though to finance some of those dreams.

Think about it. What is it you’d really like to have money for?

Do you want to open a coffee shop? Self-publish your own book? Backpack in Egypt? Make jewelry and sell it at fairs? Paint?

Whatever your dream is, it’s do-able. Do the math. First you want to know about how much it’s going to cost to finance this dream of yours. That’s going to take a little research. Get on the web and look for information. Call people who have already done what you want to do and ask them out to lunch. Most of them will be happy and proud to tell you how they did it. You might even make a new friend.

You’re going to be surprised in many ways. First, it may not cost as much as you think to get started. Second, once you start thinking in new directions, new ideas on how to finance this dream will show up. Third, most of us could save quite a lot by putting a little bit of money aside from every paycheck. Even 5 percent adds up to a lot in just a year.

So what are you waiting for? An engraved invitation? Here it is “You are cordially invited to have fun financing your dreams!” Now get started!

23. December 2016 · Comments Off on Find the Lowest Car Insurance Prices · Categories: Car Insurance

Everyone wants the lowest car insurance rates. Insurance is a significant cost of modern life, getting the lowest car insurance price can give you a significant saving. Here are are few things to bear in mind in order to get the lowest car insurance prices.

1) The drivers.
At the time you are searching for the lowest car insurance, remember that the drivers of the car make a huge difference to the price of your insurance. Insuring young men is particularly expensive, since they are over-represented in crashes; if possible, do not permit young men to drive your car. Young men searching for insurance should consider which insurer best meets their needs. Another important aspect in finding the lowest insurance prices is the history of the drivers on your insurance policy. If drivers have been involved in accidents, or have been charged with traffic offenses, they will be more expensive to insure. When you are looking for the lowest car insurance estimates, minimize the number of expensive drivers you need to insure.

2) The car.
Your car is one variable which greatly changes the cost of your insurance. Let me illustrate: When buying my second car, I had a $10,000 budget. I found two cars in that price range: a plain, fairly young small car from a reputable maker, and a slightly older, but much sportier version of the same car. After driving each, I’d made up my mind- that sporty one was fantastic! After calling my insurance company, it was a different story. The cost of insuring the sporty version would have been half it’s value – I could buy a new car every two years with what I would have had to pay for insuring that car. I went back to the dealership, purchased the sensible car, and kept the money in my pocket. Searching for the lowest insurance means bearing in mind that your car makes a huge difference to the cost of insurance. Sports cars are particularly costly to insure. If you have some kind of sports car, consider insurers who specialise in these types of vehicles. It could be better, though, to buy a car which is cheaper to buy in the first place.

3) Usage.
Many car insurance companies are seeing more thorough information about the way the cars they are insuring will be insured. Some insurers give discounts to drivers who drive less frequently, by electing a ‘pay as you drive’ policy. Asking insurers if they consider the usage of the vehicle can give you the lowest car insurance rate.

4) The location.
Lastly, a key factor in the price of car insurance is the location the car will be kept. The cost of insurance is relative to the crime and accident rates in your area. Keep the cost of insurance in mind when choosing a neighbourhood. If you reduce the insurer’s risk, and your own, in all of these four areas, you will get the lowest car insurance rates.

15. December 2016 · Comments Off on Health Insurance Basics – Common Definitions and Tips For First Time Buyers · Categories: Health Insurance

Choosing a health insurance plan that is right for your family can be a bit daunting…but it doesn’t have to be. Becoming familiar with the different health insurance plans that are available both for individuals and families will help you navigate the health care insurance field and make an better informed decision concerning health insurance. Read on to learn some of the health insurance basics.


First, determine if short term or long term health insurance is what you need. If you are unemployed, yet hope to be hired in a few months with a company that offers group insurance, than perhaps short term health insurance is for you. Also some companies require a new employee to work for three to six months before they are eligible for health benefits. Short term could offer the temporary coverage you need. Next, decide if basic health-care coverage or comprehensive health care coverage will better meet your needs.


This plans covers inpatient hospitalization and out-patient surgery in case of a major accident or illness. The monthly health premiums are lower and are generally the choice for those who are primarily interested in coverage in case of severe accident or illness.


This plan covers preventative care, Dr’s visits, prescriptions, along with hospitalizations and out-patient surgery. Comprehensive health care coverage has a higher monthly premium, and it generally has a low co-pay at the time of a Dr’s appointment. This plan may be the better choice appropriate for those who have reoccurring medical expenses.


Health care plans usually fall into two categories, indemnity or managed-care plans. They differ in regard to how bills are paid, ability to choose health care providers and out-of pocket expenses. Generally, you’ll have a broader choice of health care providers with indemnity health-care plans and less out-of -pocket expenses and less paperwork with a managed-care health insurance plan.


HMO’s (Health Maintenance Organizations), PPO’s
(Preferred Provider Organizations), and POS’s (Point of Service Plans) are all managed health-care insurance plans.


Under this plan, insurance companies pay their share of the cost for services after they receive a bill. This may mean that you will have to pay your bill for medical care at the time of service and then seek reimbursement from your health insurance company.


– Lower out of the pocket expenses

– Fewer choices in regard to physicians and hospitals than other health insurance plans

– A PCP (Primary Care Physician) is required and will meet most of your health-care needs

– A referral is needed from your PCP before seeing a specialist


– Health insurance companies offer a network of preferred doctors and hospitals

– These health care providers offer the members services at discounted rates

– Usually an annual individual or family deductible must be paid before the health insurance companies begins to pay out money for medical bills.


– Combines features of both the HMO and PPO plans

– Members are usually required to choose a Primary Care Physician (PCP)

– PCP services are not usually subject to a deductible

– Preventative care visits are generally covered


As with any genre, health care insurance is filled with jargon exclusive to its field. The following is a list of terms and their meanings that will hopefully give you good grasp of health insurance terms.


The percentage of medical costs you have to paying after meeting the deductible amount that is attached to your plan.


This occurs under an HMO plan and requires a specified dollar amount be paid to the health insurance provider on each visit.


A covered benefit must always be a medical necessity. The determination of whether something is a medical necessity or not is made by the health insurance company.


The amount you must pay in medical expenses before your insurance company will begin to cover your medical bills.


A dependent is someone other than yourself who is covered under your health insurance plan. This could include a spouse, child, unmarried partner. For children there are age limits at which they are no longer covered under a parent’s health policy.


In the event that you are unable to work for an extended period of time due to an injury or a medical condition, disability insurance provides funds to cover your living expenses in a specified amount.


Another title for your Primary Care Provider (PCP)


Employers often offer group insurance plans. Under group insurance an employee can generally obtain a much more affordable plan.


In network refers to those physicians who have been contracted under a health care plan to provide services to their members. Staying in network allows lower charges and a smaller percentage of out of pocket expenses. Conversely, going out of network generally means charges are higher and you will have to pay a greater percentage of out of pocket expenses.


This is a specified period past the due date of a premium during which coverage may not be canceled. This prevents health insurance companies from canceling your policy if payment should arrive a few days late.


Generally, this is a once-a-year period of time that allows you to make changes to your existing health insurance coverage. (A change in marriage status or the birth of a child also allows you to modify your health insurance plan.


Before surgery or hospitalization, the insurance company must be contacted to get approval for a medical service to take place. Failure to do so typically means the insurance company will NOT pay for the service. This does not apply in an emergency situation, although the insurance company should be contacted as soon as possible.


A medical condition that existed before an insurance policy became effective. Most insurance companies require a three month to one year waiting period before a pre-existing condition can be covered under their plan.


Monthly payments for insurance coverage. Monthly payments can easily reach $100 for singles and two to three times that amount for a family.


A written form from your Primary Care Provider to another Dr. (usually a specialist) giving consent for you to go to them for medical services.


On occasion an insurance company will ask you to be seen by a second Dr. to determine if the recommended procedure is necessary or if an alternate method could accomplish the same result.

URC (Usual, reasonable, and customary)

URC refers to the dollar amount an insurer will usually pay for a service or procedure based on what is customary for the area in which you live. An insurance company will not pay $800 for a procedure that costs only $300.


Be sure that you shop around to find the best health insurance plan. Compare quotes from at least 3-5 different insurance companies before you decide to purchase.

08. December 2016 · Comments Off on Personal Finance Advice For Life · Categories: Finance

The airwaves are filled with personal finance advice, advocating countless products, investments and disciplines for creating wealth and financial largesse in your life. With all the advice available regarding your finances it is easy to get lost and lose focus on the simple principles that if applied, have been tested to create wealth in your life.

Any sound personal finance advice plan should begin with the most important rule of money, and the one we often find so hard to find the discipline to keep. To create excess money in your life, one must first learn to spend less money than earned from month to month. This is an inviolable rule of personal finance, and I recommend you breaking it at your financial peril. Your credit, bank statements and retirement income will reflect directly how well you hold to this principle, so my advice is to without fail spend less money than you make.

Personal finance advice is filled with such maxims, but how do we follow this advice. If you do not already find yourself spending less money than you make, work towards this goal. Cut expenses and bills where you can, and seriously evaluate what spending habits you have that are need vs. want items. With a cold assessment of one’s finances, there never fails to be a series of costs that can be cut in the name of achieving this goal. Take my advice, do whatever it takes to spend less money than you make.

Successful money management has its rewards too, and is not all about just cutting the pleasures of life that can be purchased with ready capital and financial success. In following with this precept, the next piece of personal finance advice is to increase how much money you bring in from month to month. It sounds like basic financial advice, yet how many do you know in your own life that do not actively put focus and energy into increasing their monthly income.

These two essential pieces of personal finance advice should be applied at all times to your life. Always maintain a focus on finding ways to keep your spending below what you make, and a dedication to pursuing methods of adding more value to others in order to increase the money you are capable of bringing in each month.

The difference in savings and increase will surprise you. Do not get lost in the shuffle of personal finance advice, hold to these essential principles and build the common sense money habits that will create wealth in your life today.

02. December 2016 · Comments Off on Can The Bible Help Me With My Finances? · Categories: Finance

Can the Bible help me with my finances? Yes it can.

The reason I am saying that is that I found answers there that helped me with my own personal finances. There was a time in my life when my curiosity peaked and I spent a year researching only the passages of Scripture that pertained to finances. To my surprise I found multiple references to this subject called money. To say it peaked my interest is an understatement.

There are over 7,000 promises in the Bible and over 2,000 of these promises deal with money. Jesus spoke more about finances than he did about heaven, hell, and his second coming. Beginning in the book of Genesis we see concepts about money that still apply today.

To begin we need to look at some concepts about money that are outlined in the Scriptures;

1) The love of money is the root of all evil – there are so many crimes committed not because of money but because of an unhealthy love towards it. If we loved money less we would treat strangers better. People are reluctant to give because they can not see letting go of money.

2) You cannot serve God and money- God never says that He wants us poor; however he also never promised we would all be millionaires. His desire for us is that we seek Him first and not make the pursuit of money our life goal. We need to have enough resources to meet our family needs.

3) The worker is worthy of his wages – God believes in fairness. He wants us to be properly compensated for the work we do. Contrary to some beliefs, God wants us to work hard and be paid well for all that we do.

4) We must be content to experience joy with money – Money with joy is great. Nothing beats having money and people whom you love that you can share it with. You can have the best of both worlds with money and joy. That should make everyone happy.

5) Debt enslaves so we should strive to be debt free – Do the best you can to pay off your debts. The borrower is servant to the lender and being anyone’s slave by force is not good. Financial freedom is God’s plan for us all.

6) Your gifts make room for you – The gifts God has blessed you with are designed to make a place for you in the marketplace. Don’t sell yourself short.

Follow the Bible’s guidelines on money and watch your personal and company finances improve.

I dare you!

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