Weathering the Energy Bills: Staying Warm in Cold Snaps without Spending a Fortune

When the temperature drops unseasonably but you know it will only last a few days, you may not be keen to turn on the central heating for the whole house. So what can you do to avoid the chills when cold snaps bite? Here are a few ideas to keep you cosy without increasing your energy bills.

Keep Warm at Night

Don’t get the chills at night, and instead follow a few simple tips to make sure you stay warm under the covers.

The classic way to warm up a cold bed is to use a hot water bottle, so make sure you have one of these handy for when the cold nights cause problems. Another great option is to get yourself an electric blanket. You can buy electric blankets from a local store, or you can shop for one online and get it delivered to your door. And of course, you can always throw on an extra blanket or two, so make sure you have one of these ready in the cupboard.

Block the Drafts

Even a small draft can make a room seem a lot colder, so when the temperature falls, get ready to block up the gaps. Close the doors in your house so that the colder air from the rooms you are not using does not transfer to the warmer rooms that you are using. You can also use draft stoppers underneath the doors to block the cool air from entering. Other areas to block up with something include keyholes, the letter box and the cat flap if you have one. Get them all covered and it can make a big difference.

Let the Sun In

Sunlight is a free and effective source of heating, so make sure that during the day you open all of your curtains and let as much light into your home as possible. Then remember to close your curtains as soon as the sun goes down to trap the cold air that forms next to the windows.

Don’t Use the Bathroom Fan

If you normally use a bathroom fan to get rid of the build up of steam, turn it off when the temperature drops for a few days. The humidity in the air will make it feel warmer, which will make your morning shower more comfortable.

Double Glazing

Installing double glazing is a more expensive option, but it can help to trap the heat in your home as soon as the temperature drops, saving you the need to turn on your heating until it is really necessary and improving window efficiency.

Put On a Jumper

The simplest way to stay warm when a cold snap hits is to wear more clothes inside the home.

If you have your winter clothes stored away, get some of them out early and have them on standby so you can wrap up warm in the evening and avoid turning on the heating.

And of course, there is nothing like a hot chocolate or bowl of soup in the evening to keep you cosy whatever the weather outside.

Stay Warm Without Using Heating

It can be a nasty shock when the weather suddenly takes a turn for the worse. If you are not ready to turn the heating on just yet, follow these tips to make sure you stay warm and snug even without turning on the heating, which will help you to save money on your bills.

Maddison Wilhelm runs a budget-minded household. From couponing tricks to saving on bills, she often blogs about ways to live well on a tight income.

Improving efficiency for first time entrepreneurs

Most entrepreneurs will attest that starting a business can be highly exciting. There is something very satisfying about building a successful venture and not being answerable to anyone. While most first time business owners are aware of the responsibility they have taken on, some seem unable to handle the new demands on their time.

The zeal to succeed can drive first time entrepreneurs to spend more time buried in their work; however, long working hours coupled with inexperience often contribute to inefficiency. Business owners who put themselves under immense pressure usually find that they become stressed and overworked.

It is therefore important for entrepreneurs to learn how to work smart as opposed to working hard. The following simple tips can help first time business owners to increase their efficiency and boost their productivity.

  • Efficient time management.

Learning how to manage available time is an essential but tricky skill for any entrepreneur to grasp. Beginner entrepreneurs should learn to start working early in the day to make the most of the time they have. Smaller tasks such as answering emails, returning calls or dealing with paperwork should be done in batches at an appointed time later in the day to avoid interrupting any important work.

  • Prioritizing tasks

In order to increase their efficiency, individuals who run their own businesses should learn how to prioritize their daily activities. Tasks that are deemed most important or urgent should always be carried out first before doing anything else.

  • Outsourcing.

Novice entrepreneurs usually err by attempting to do everything on their own, leading to frustration. Outsourcing is a cost-effective solution that can help such business owners to increase their productivity while allowing them to stick to their core functions. Contractors or freelancers can be hired to deal with time-consuming or repetitive tasks. Accepting payroll help and administration aid from Atlantic Umbrella or any other umbrella company is also sure to make work easier for the business owner.

  • Hiring a passionate team.

When looking to hire employees to join their team, new entrepreneurs are advised to select individuals who share their vision and passion. Such employees are usually highly motivated and are more productive in their work. Business owners should also endeavor to build, retain and grow their team of employees for greater and sustained efficiency in their businesses.

  • Embracing technology.

With all the tablets and smartphones around, novice businessmen have a plethora of apps to choose from to help streamline their business functions. Entrepreneurs should take advantage of technology to stay in touch with their clients or suppliers or to learn more on how to make their ventures more successful

  • Scheduling personal time.

Business owners need to set aside some personal time each week. They should use this time to indulge in their hobbies, travel or hang out with their friends and families. This downtime is important as it helps them unwind, de-stress and recharge in readiness for another hectic working week. A relaxed and inspired entrepreneur is likely to be more efficient and productive at work.

A guide to the ultimate energy efficient home

One of the main forces driving innovation in modern building design is the need for homes to be energy efficient. Increasingly, homeowners demand properties that function on both aesthetic and environmentally friendly levels. Fortunately, it is possible for homes to simultaneously look beautiful whilst using energy wisely.

A modern eco-friendly home has efficient insulation that keeps the interior warm in winter and cool in summer. Drafts are a thing of the past in today’s house designs, as are huge heating and energy bills. Modern home designs use double glazed windows, which allow light to flood in and keep cold air out. Other eco-friendly behaviors we can adopt that reduce the carbon footprint in modern homes include low energy light bulbs, aerated faucets to lower water usage, using paints free of Volatile Organic Compounds and sourcing goods and furnishings fashioned from recycled and natural materials.

But what about those of us living in older homes? Can we make our traditional dwellings more energy efficient? The good news is, ‘yes, we can!’ For those considering a move to an older home and the typical issues that go with the territory, it is good to learn eco-friendly living is still attainable.  A historic, characterful home can be a joy to live in and if refurbishment is planned, it presents the perfect opportunity for making improvements to its eco-friendly rating.

Old houses are commonly criticized for their poor insulation and drafts, however it is possible to cure an old house of the cold. The choice of a period or historic home is frequently based on appearance, so it’s likely that any refurbishments will need to be in keeping with the taste and style of the architecture. Old, wooden framed sash windows are often found in older properties – and whilst undoubtedly good-looking, they are terrible draft magnets. A quick trip to the DIY store for some insulating strips to fill the gaps in the window frames will be time and money well spent.

One of the more attractive and sympathetic solutions to poor window insulation in older houses is fitted shutters. Not only do custom made interior wooden shutters look the height of elegance, they offer good insulation against cold, shield interiors from fading due to bright sunlight and are fully adjustable for light levels and privacy. For a solid investment in the future for an older property, wooden shutters are hard to beat.

Other areas to focus on in older houses include heating and plumbing systems that consume less energy. If an antiquated heating system is being overhauled why not replace it with one of the more energy efficient options now available? Good research pays dividends in this crowded area, but those who take the plunge enjoy impressive savings and clean environmental returns.

Get free power from the sun with solar panels! Those ubiquitous rooftop panels are now easy to source for domestic premises. Affixed to south facing roof elevations, they are the perfect energy source for hot water and lighting circuits – and once the initial investment is paid for, they keep powering the home for years, for free!

Energy efficient homes are clearly here to stay and it’s good to know that whether modern or traditional, we can take practical steps to reinforce these ideals within our own four walls.

Philanthropy in the business world

Due in part to the recession and a decline in general standards of living, people are much more cynical about big business than they used to be, and it can be hard for business owners to explain how what they do helps wider society. One answer to this is philanthropy, through which business people can show directly that accumulating profits isn’t necessarily about greed—that money like this can be used to benefit others. Philanthropic activity is a great way for business owners to boost their reputations, win loyal customers and give something back at the same time.

Engaging with customers

In today’s connected world, philanthropy can have a bigger effect on a business reputation than ever. Just as companies fear the speed with which boycotts and bad word of mouth can spread if they make a socially ill-considered move, they can celebrate the speed with which positive news travels if they are perceived as doing something good. This has led an increasing number of businesses to develop high profile partnerships with charities. Even before funds are donated, an arrangement like this can benefit both parties by assuring them of good PR and increased media visibility. A highly effective approach can be donation matching, where a company offers to donate an equal amount to that given by members of the public (which can be estimated based on past fundraising drives), thereby encouraging people more generally to get into the habit of giving to good causes.

Philanthropy and new markets

Philanthropy can also open doors into new markets.  It is no accident that tech companies have recently been investing heavily in countries like India, specifically with a view to supporting economic development and boosting literacy rates.  With Western markets now close to saturation point when it comes to mobile technologies, these countries offer a huge new marketplace, but potential customers need to have the disposable income to purchase with and the skills to be able to use those purchases. Once they have access to such technology, they benefit again, because it becomes much easier for them to start up or expand businesses of their own, bringing employment to their communities. Done right, this approach to business philanthropy means that everybody wins.

Philanthropy today

Among famous philanthropists, Bill Gates has recently been in the news for extending his work to help children from disease control into education, using peer evaluators to establish the most effective ways of teaching in challenging environments.

Warren Buffet’s son has taken up his father’s mission and pledged $24m to help combat rhino poaching.

Francesco Corallo has shown his support for a children’s charity in Guatemala, taking the opportunity to circulate an old court judgment, which says that, for a certain police department, it is forbidden to link Francesco Corallo to the Mafia—illustrating how philanthropy can be used to repair a damaged reputation.

Chuck Feeney, meanwhile, has funded impressive new research facilities at the University of Queensland, helping to drive forward the development of technology that will, in turn, help others.

Dealing with a compensation payout – your options

Receiving compensation after an accident at work can be a huge relief, finally bringing closure and providing the financial support necessary for recovery.  But while there’s lots of help available when you set out to win it, you might find yourself short of good advice on how to spend it.  Most people actually spend all their compensation money within just a few weeks, with vacations and automobiles among the most popular acquisitions.  This can leave them in financial difficulties later on, especially if the accident is still taking its toll and further medical expenses have to be met.  It may also mean that they end up paying more tax than necessary, as well as missing out on opportunities to earn interest on the money.

For those who want to make sure they get the most out of their compensation, it helps to understand a few simple principles.

What is compensation for?

Most compensation packages actually contain several elements.  First are general damages, money given to make the victim feel better and compensate for the stress of the experience.  Then there may be money to make up for lost earnings, and potentially, money to live on if working is not going to be an option in future due to the injuries sustained.  There can also be money to cover things like travel expenses associated with the claims process, medical expenses (including the cost of treatment likely to be needed in the future), and adaptations to the victim’s home or car in order to accommodate a lasting disability caused by the accident.

When the money is spent, it’s important to consider these matters.  Nobody will check up and demand to see proof of how it’s being used, but neglecting to take account of accrued debts or ongoing expenses could easily lead to problems.

Compensation payouts average around $3,500 but can vary considerably. For instance, attorneys Brown & Theis recently won $185,000 for a construction worker who suffered a severe shoulder injury due to a fall.

Tax and welfare

When winning compensation, people are sometimes told that they can choose whether to receive it in a lump sum or in installments.  Some people will need it all straight away, for instance because they need to pay for major home adaptations.  In many cases, however, it’s better to opt for installments as this minimizes the amount of tax that needs to be paid on the money.

Receiving compensation in installments is also a better idea for people in receipt of welfare payments, including those who have just had to apply for them because of a disability caused by their accidents.  Having access to a large amount of money may mean that welfare payments are stopped or reduced, potentially leading to all the compensation being lost.  This is a lot less likely to happen with installments.

Where the body paying compensation does not offer installments, one option is to engage with a solicitor who can set up a trust fund to achieve the same effect.  Money held in trust doesn’t need to be inactive.  It’s a good idea to seek independent financial advice (many banks offer this for free) so that it can be wisely invested and earn interest or dividends to increase the overall amount.

Buying a Home: Top 5 Reasons to Use a Real Estate Agent

You’re ready to buy a home, and you’re considering using a real estate agent, but you’re not too sure whether you need one or not. After all, you don’t relish the idea of paying 3 to 6 percent commission on a home. There would have to be a really good reason to hire one – and there is. In fact, there are five good reasons to hire one.

Ethical Advice

When you go with the best realtors, you’re getting ethical advice on your home purchase. Who are the best realtors? They’re the ones that are members of the National Association of Realtors (NAR). Not every real estate agent is a member of this organization. So, specifically ask if your agent is.

Agents that are part of the NAR must abide by a specific code of ethics. That code requires that all realtors deal with all parties to a transaction honestly and with integrity.

The code of ethics requires that realtors put the interests of clients ahead of their own. They must also make full disclosure about the problems with a property and be truthful and honest when advertising homes.

Unlike many self-governing boards, this one has teeth. Code violations can include $5,000 penalties per violation, a one-year suspension from the association, and three-year expulsion from the NAR entirely.

You’re Working With An Expert

When you work with a professional, you’re working with an expert. That has serious advantages. You can’t be a real estate expert unless you’re a professional real estate agent yourself or an investor. It’s like any other job. It requires practice, knowledge, and experience to be good.

Real estate agents that have years of experience in the industry can often uncover trouble homes long before you notice anything is out of place. They can steer you towards homes that are a good fit for you now and into the future. They are also pretty well-versed when it comes to understanding the intricacies of local ordinances and regulations that may prevent you from making certain modifications to you home – modifications that you may want to make.

Expert Negotiations

You also get an expert negotiator in your corner when you hire a professional. Because real estate agents spend all day writing up deals, they’re familiar with what will likely be accepted and what has no chance of making it to the closing table.

There’s also an element of emotionality that’s stripped from the negotiations when you go with a real estate agent. They’re somewhat disconnected from the house in the sense that it’s not their home. They’re not emotionally attached like you might be. This can actually help to temper your own enthusiasm about a home that may not be good for you over the long-term.

Many home buyers, especially first-time buyers, get rose-colored glasses when shopping. They fall in love with the first thing they see. Often, this isn’t the best home. Real estate agents can help you look past the “puppy love” to find the best home for you.

You’ll Find Better Homes

Do you need a swimming pool? What about the back yard? You want kids someday right? You’ll need space. But, do you know how to guestimate your future needs? A real estate professional does.

Real Estate Agents Speak The Language

There’s lots of industry lingo in those contracts you sign. A real estate agent in your corner can demystify all that, break it down into plain English, and make sure you’re getting a good deal.

Annette Goree is a real estate researcher. She tracks market trends and enjoys blogging about how to navigate the buying and selling of real estate.

Insurance vs. Savings: Knowing the Difference When It Comes to Your Health Care

The differences between health insurance and a health savings account are not always clear. In fact, this murkiness is likely responsible for the relatively low adoption rate of health savings accounts even though they offer a number of benefits over traditional health insurance. The differences between the two types of health care coverage are explained below along with some reasons why a person might choose one over the other.

What Is a Health Savings Account?

A health savings account (HSA) is really just another name for a high-deductible health plan (insurance plan) that has special tax-advantaged status. The basic premise is that high-deductible plans have lower premiums and so are more affordable. However, because they have high deductibles, people tend not to use these plans for routine health maintenance. To encourage people to undergo preventive care while keeping a handle on overall health care costs, it was decided to allow people to create tax-advantaged savings accounts from which they could pay medical expenses and the deductible of an HSA plan.

The savings account is really the heart of the HSA. It allows individuals (not companies or the government) to set aside a certain amount of money in a savings account each year. As long as that money is used for medical expenses, it is never taxed. The idea is that the government is making more of an individual’s income available for health expenditures by not taxing income contributed to an HSA.

This approach differs dramatically from standard insurance, which has high premiums but usually provides immediate, full coverage. For many people, traditional insurance premiums are financially untenable. The idea of the HSA is to provide an option that prevents people who cannot afford traditional insurance from going without insurance or from falling back into government safety nets, which tend to be a burden on taxpayers.

What Are the Benefits of an HSA Over Insurance?

For healthy individuals, HSAs, like those offered by, can reduce health insurance premiums and decrease the overall cost of health care. They are particularly advantageous for young individuals who see a doctor less than once per year. Money put into a medical savings account rolls over from one year to the next with the idea that people are continually saving for future health care costs that may arise in older age. In general, HSAs are beneficial because they

.   allow individuals to decide how much money they set aside for health care costs,

.   allow individuals to control how health care dollars are spent (no PPOs or HMOs),

.   ensure that the money belongs to the individual and not the employer (it follows the individual wherever he or she goes),

.   allow unused money to roll over each year, and

.   provide a tax benefit that improves health care savings as well as quality of life.

What Are the Benefits of Insurance Over an HSA?

HSAs aren’t for everyone. If a person needs health coverage to begin immediately and cover relatively large expenses (child birth, surgery, etc.), then the high deductible of an HSA will mean that the such a plan is too costly, in the short term, than a traditional health insurance plan. Health insurance is beneficial to those who

.   need immediate coverage,

.   find it difficult to navigate the complexities of health care systems,

.   find it difficult to save money each month, and

.   would take money from the HSA for non-medical expenses.

Right or Wrong?

The decision between traditional insurance and an HSA is a personal one. If you are young, relatively healthy, and able to set aside a bit of money each month, then give strong consideration to an HSA. Remember that if you have traditional health insurance, you cannot carry an HSA (though you can purchase a small catastrophe policy to cover you during the first few years of an HSA while you accumulate savings). Choose the plan that is right for you by following the tips above.

Ron Sheffer has worked in healthcare for many years. He frequently blogs about common questions everyday people have about navigating the healthcare system.

Money Matters: Smart Financial Habits of Rich People Anyone Can Leverage

You have decided that this is the year that you will finally put your financial affairs in order. You are determined to clear up your bills and start putting savings aside. While these are worthwhile goals, you need to devise a concrete plan to make them work.

A good place to begin is with an assessment of your previous year’s expenditures, including credit card spending, unsecured personal loans, mortgages and other financial obligations. Project an estimate of your expenses for the upcoming year and balance your expected expenditures against your projected income. If your income falls short, use these personal finance tips to begin to get your finances into shape.

Gauge Your Obligations and Overall Financial Standing

It is nearly impossible to devise a workable budget unless you know exactly what your financial obligations are. Make a list of every bill that you must pay every month – not just the big ones such as rent or mortgage and heating bill but also an estimate of what you spend each morning for coffee and sweets on your way to work. You may be surprised by just how much you are spending.

Did you improve your financial standing last year or did you lose ground? Gather your bank statements and payment receipts to determine where you stand in terms of your overall financial circumstances. Even if the results are painful to face, doing so can help you begin to move things back in the right direction.

Set Your Priorities

Do you want to be completely debt free over the next twelve months? Do you wish to finally stop renting and purchase a home of your own? Set one or two major financial goals for the year ahead. For instance, if you want to become a home owner, determine how much you will need to put aside for a decent down payment, and then divide the amount by twelve so that you will have met your goal by the end of the year.  Place a picture of a home that resembles your dream home in a prominent place where you will see it often. Setting big goals and placing reminders in obvious places will serve to motivate you to keep moving ahead whenever you become discouraged.

Update Your Household Budget

Of course, you’re not still budgeting for diapers when your youngest is set to take school leaving exams. Nonetheless, your household budget may still contain outdated items. Taking regular assessments can help you determine your family’s priorities while eliminating unnecessary spending.

While you’re updating your budget, include an assessment of any loans that you might have. If you have a home loan, you may be a candidate for refinancing at lower interest rates.  Determine whether it is possible to accelerate your repayment schedule so that you can become debt free sooner.

Plan for Contingencies

No one likes to consider that a disaster or tragedy may strike. Nonetheless, setting up an emergency fund and writing a will should occupy top priority on your list of financial and personal goals for the coming year. Having a will provides concrete instructions for providing for dependents and ensuring that your final wishes are carried out. As for an emergency fund, start small. Set aside something each week until you have accumulated at least enough to cover your expenses for three months.

William Caine is a veteran of finance. He enjoys blogging about the ins and outs of savvy personal money management.

Simple and Easy Ways to Make Super Savings on your Auto Insurance

Everyone wants to get the best possible deal when it comes to paying for their car insurance but the problem is knowing what to ask and what to look out for in order to get the best rates.

There are so many small details or aspects that could change your quote and also where you get your insurance from will also make a difference to the price you pay.

Here are some simple and easy ways to help you cut the cost of your auto insurance.

Shop around

If you have ever paid for something at first shop you see and then find it is cheaper somewhere else, that hurts.

It pays to shop around for most things and that is certainly the case when it comes to motor insurance where the difference between quotes can sometimes not just be a few dollars but quite often, a few hundred dollars, which is money that would better staying in your bank rather than needlessly giving it to someone else.

Comparisons sites can be a bit tiresome to use for some but it makes sound sense to type in your details and let the various search engines come up the best quotes in a quicker time than you could.

Think about bundling

An area of insurance that many people fail to take advantage of is bundling. Very often, your insurer may be able to offer a premium discount if you take out more than one policy with them.

Having your car and home insurance with the same insurance provider despite the fact that they are separate policies may well be a good route to extra savings, but be careful that you don’t end up paying too much for one of them in order to get what looks like a better deal on the other one.

Bundling is worth thinking about and if you don’t ask you don’t get, so it is always worth posing the question to see if your existing insurer is prepared to reward your loyalty with a discount.

Use a broker

There are several advantages to using a broker rather than trying to do all the work yourself.

Experts like BrokerLink have the knowledge and access to deals that may not be available anywhere else and they can do the research needed to find the best rates they can for you without having to always be biased towards one particular insurance company, which is important if you are trying to get the best deal.

It also makes sense to build a relationship with a broker as they can help you out and advise you if you have any problems or need to make a claim, so you get a more personal service than you would do if you bought your policy online.

Always ask about special discounts

Most insurers offer discounts even if some of them don’t like to advertise the fact. It is a competitive environment and they are competing for your business so many will try to entice you to take out your car insurance with them by offering some sort of discount.

An area that is also worth exploring is special discounts, which is where you get even more money off your renewal quote if you meet certain additional criteria or conditions.

Examples of where you might be able to get a further special discount include having VIN etching in automotive glass, the fact that you are an alumni of a local college or university, even having good grades can make a difference.

You can earn special discounts by taking a defensive driving class or fitted your car with an alarm system, so whatever you do that will enhance your personal profile or the security of the vehicle, make sure you mention it as you might get a special discount.

Check the deductibles

Deductibles are the amount that the insurance company will hold back from your insurance claim payout and you should always check the level of deductibles on your insurance quote as this is the easiest way that your insurer can make their price look more attractive.

The general line of thinking is that low premiums will mean that there is probably a high deductible involved and if you choose to lower the amount on request, then the premium will rise accordingly.

There is nothing wrong with a high deductible to get the premium down but only do it if you have the spare cash available to make up the difference if you have to make a claim.

There are savings to be had out there on your auto insurance, you just need to know what to ask and be sure to tell them if you think your circumstances or qualifications mean you might be entitled to an even better rate.

John Wilber is a retired insurance broker and grandfather of five. When he’s not visiting with his grandkids, he likes to write about what he learned in the insurance business in order to help others.

How to Protect Your Wallet From High Medical Costs

High medical costs can wipe out your finances. In fact, medical debt was, until the housing crisis, the number one cause of bankruptcy in the United States. To put a dollar figure on things, consider that cardiovascular disease (stroke, heart attack, high blood pressure, and vein problems) cost an estimated $444 billion in 2010, making health care expenditures on of our nation’s largest expenses.

Health care gets more expensive with each passing year, meaning that you cannot afford to ignore the fact that medical costs will likely have an impact on your finances at some point during your life. Part of responsible family planning includes anticipating high medical costs. Some of the planning is financial and some of the planning is medical. Read on to see what you can do to ensure that medical costs don’t destroy your finances.

Stay Healthy

Of course you can’t control when you become ill, but you can sometimes control how severe an illness is and how difficult it is to treat. Yearly check-ups and following the advice of your physician can go a long way to reducing long term medical costs by reducing your risk of health conditions. The earlier you catch a medical condition, or the potential for a medical condition, the easier it will be to treat or avoid. More over, the more honest you are with your doctor about your health, the more likely you are to receive prompt and affordable care. So, treat your body like a car and take it in for a tune-up on a routine basis.

Beyond catching conditions early, don’t forget that leading a healthy lifestyle can go a long way toward keeping you out of the hospital. Exercise, eat well, and avoid tobacco to save tens of thousands of dollars in medical costs over your lifetime. An ounce of prevention really is worth a pound of cure.

Find Good Insurance

The average hospital stay will costs just a little less than $18,000. Being without health insurance for prolonged periods of time is a recipe for financial ruin. Even trivial problems can costs thousands of dollars to diagnose and treat, so it is a good idea to find good coverage that you can afford, such as a plan offered by

Be sure that the coverage you have includes prescription drugs as well as visits to the doctor or hospital. Americans spend an average of $773 per year on prescription medication, so don’t be caught unaware by the high costs of even routine medical treatments.

You Must Act

That’s really it. Get good insurance, take care of yourself, and listen to your doctor if you want to stay healthy and avoid financial ruin due to health care bills. Insurance covers you in case of catastrophe while routine investment in your personal health helps you to avoid catastrophe. No one wants to think about the possibility of bad things happening, but sometimes they can’t be avoided. Plan ahead to ensure that if something unthinkable does happen then your family won’t be burdened with medical expenses. Insurance and a healthy lifestyle guarantee more than longevity, they also provide peace of mind that your family is protected from the high costs of health care.

Billy Henderson studies money and the healthcare industry. He especially enjoys writing about ways to save money while making smart healthcare decisions.

3 Tips for Saving Money While Battling a Disease

A serious disease may cause severe money drain and leave you wondering how to reduce the expenses and secure a relative financial stability while fighting for your health. Examples of diseases, which may involve high costs for medication, in-home care, medical services or procedures that are not covered by a medical insurance, are cancer, late [...]

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The International Investor: 5 Benefits of Buying International Equities

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Tips to Avoid Huge Student Loans

The cost of college tuition has skyrocketed in recent years. Students are faced with higher education costs, fewer employment opportunities and less financial help from mom and dad. Many turn to student loans as an alternative way to fund their higher education. But there are other options. Tips to Avoid Huge Student Loans If you [...]

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Insuring Business Through Personal Investments

Getting an insurance policy for your business is crucial, even if you have to use your personal investments. You never know when a natural disaster or a catastrophic event will occur, and if you aren’t covered it can be detrimental to your business. Here are four tips on the different types of coverage you can [...]

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What to Know Before Hiring a Employee

Check Their References Before you decide whether or not to consider an  employee, you must check their references. It is recommended that you ask for and then call at least three of your candidates’ references. You are given a good idea of what type of employee your candidate will be  if they give two professional [...]

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