Evolving Personal Finance » insurance
How Much Is YOUR Life Worth?
Kyle and I had one of our rare money disagreements last week. The (temporary) conclusion is that we need more information before making a decision, which is where you come in! We decided that it’s high time we bought life insurance as I’m rather financially dependent on Kyle while I’m growing my business. We also want to have kids in the next couple years, at which point life insurance will go from being a good idea … Read entire article »
Filed under: insurance
First Job Problems: Which Health Insurance Plan Should I Choose?
Similar to two weeks ago when we discussed whether to enroll Kyle in his 401(k), we have a choice to make regarding Kyle’s benefits at his new job, or rather whether I should use one of his benefits. Unlike with the 401(k), we have no idea which option is best and we’re running out of time to decide! I found out a couple weeks ago that even though I’m going to be a student through the … Read entire article »
Filed under: insurance
Have You Even Been without Health Insurance?
Earlier this week NPR did a Q&A for clarifications on the ACA and there were a couple regarding college and graduate students, which caught my ear for sure. Apparently, it has been confirmed that university-provided student health insurance counts as having health insurance for the ACA – I didn’t know that was a question at all, but it’s good to know. I also found out that if you earn so little money that you don’t … Read entire article »
Filed under: grad school, insurance
Left to Unwellness
Our health insurance rolled over at the start of this month, taking with it the wellness program I’ve participated in for the last year and a half. The wellness program paid me $1.00 for every week that I ate five servings of fruits and vegetables five or more days and $0.37 per 30-minute workout, up to once per day. There were other program options, such as smoking cessation, but the food and workouts ones and … Read entire article »
Filed under: insurance
Why We Don’t Have Life Insurance and When We’ll Buy It
Kyle and I don’t have life insurance – Kyle and I don’t believe we need life insurance right now. We view life insurance as a means to provide for dependents in the event of an early demise – specifically, to replace the income of the deceased. My mother, a former insurance agent, views life insurance as an investment vehicle, which I think she really had to believe in to be able to sell the product. But my … Read entire article »
Filed under: insurance
Frugal Practices I’ve Grown to Love
It’s wonderful when a positive, self-beneficial act becomes automatic and even better when you enjoy or look forward to doing it! Being frugal doesn’t come naturally to me; I had to learn many of my current practices over time and fight against my upbringing. My husband will attest that I’m certainly not frugal in all aspects of my spending! But I’m so glad I started doing the activities that I list below because they have … Read entire article »
Filed under: cars, checking, found money, frugality, insurance
Dental Care without Insurance
While our workplace provides health insurance and a small yearly voucher for eye care, we are on our own for dental care. As a consequence, we haven’t been to the dentist since we went off our parents’ insurance – five years ago for Kyle, two years ago for me. I am very happy with my smile (naturally straight!) and I was beginning to have visions of cavity-ridden teeth and anesthesia, so I scheduled two appointments … Read entire article »
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