Healthy Finances

Healthy Finances

Buying health insurance has become very expensive. For many years, most of us received health insurance through our employer’s group plan. We paid little or nothing toward the premium and out-of-pocket costs. We never got a bill, because the group health insurance plan paid it. To show you a perspective…
Conventional wisdom suggests buying a home makes more financial sense than renting. In many cases, this is true. However, renting is sometimes a smarter approach than buying. As with any financial decision, all of the options and circumstances need to be weighed before jumping in. Making a major purchase requires…
Identity theft is a pervasive problem. According to figures from the Bureau of Justice Statistics, an estimated 17.6 million people, or about 7 percent of U.S. residents age 16 or older, were victims of at least one incident of identity theft in 2014. Identity theft is not just a problem…
The job market is fickle, and no one is immune to layoffs. Although the unemployment rate in the United States dipped to 4.9 percent in June 2016 and Canada’s rate hovered around 7 percent in May 2016, the job market remains somewhat unpredictable. Preparing financially for unemployment can be prudent,…
Auto insurance is a necessity for drivers in many localities. But while local laws may mandate drivers have insurance, no such laws mandate how much drivers must pay to insure their vehicles. Certain factors can influence just how much drivers will pay for their auto insurance policies. 1. Complacency: Doing…
Millions of students graduate from colleges and universities each year. Upon earning their degrees, many students shift their financial focus from paying tuition to repaying their student loans. Student Loan Hero, a loan consolidation and management company, says Americans owe nearly $1.3 trillion in student loan debt. The average member…
Nonprofit organizations and charities do extensive work to help people and fulfill their missions. When commercials, emails or direct mail pamphlets tug at the heartstrings, it’s understandable to want to help as quickly as possible. But just as there are scores of legitimate organizations banking on the generosity of willing…
Shoppers across the country routinely make the holiday season one of the biggest spending periods of the year. American Research Group, Inc., said that in 2015 the average predicted expenditure on gifts equaled $882, which was up from $861 the previous year. Many holiday shoppers worry about whether or not…
In 2015, analysts with the Government Accountability Office found that the average American between the ages of 55 and 64 had accrued roughly $104,000 in retirement savings, a shockingly low figure that would make it very difficult for men and women nearing retirement to maintain their quality of life into…
There are many simple ways for homeowners to reduce monthly expenditures and realize savings, and the easiest place to start is with your monthly energy bill. Here are a few changes you can make that can have a lasting impact on your wallet and the planet. Cool your house with…
Couples engaged to be married have a lot on their plates as they begin planning their weddings. Whereas tradition once demanded parents of the bride pay for a couple’s wedding, nowadays more and more engaged couples are completely or partially financing their own nuptials. That means prospective brides and grooms…
Parents know the cost of raising a family can be considerable. While some of the expenses associated with raising a family, including healthcare premiums, are largely beyond parents’ control, moms and dads can take steps to cut costs and start saving money. According to the U.S. Bureau of Labor Statistics’…
Saving money can be hard for any parent, but especially so for parents who are raising their children in single-parent households. Single parents face hurdles that parents in dual-parent households may not encounter, and many of those hurdles involve finances. Worrying about savings can have a negative effect on single…
As men and women retire or approach retirement age, many opt to downsize their homes. Such a decision can save older adults substantial amounts of money while also liberating them from the hassle of maintaining large homes they no longer need. Downsizing to smaller homes or apartments is a significant…
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