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4 Money Tips For The Dog Days Of Summer

This is the rainiest summer season I’ve experienced since I moved to the state of Georgia.   Of course people complained about the rain, but then again a few summers back there was even more complaining about the serious drought the state was experiencing. Historically the Farmer’s Almanac states that the Dog Days of summer are from July 3rd to August 11th, but with this year’s rain it will likely move closer to Labor Day.   So what can you do as the Dog Days of summer wind down to clean up your financial plan?  Here are my four smart money moves to consider from now until the end of the year. 1)    Get Educated On Your Workplace Health Insurance Before Open Enrollment– With The Affordable Care Act enrollment set to begin on October 1st, 2013, decisions centering around your family’s health insurance are right around the corner.   Year after year, insurance companies continually blow up your company’s previous plan before installing ...

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Pay As You Drive Car Insurance: A Good Idea?

Every six months you get a bill in the mail from your auto insurance company.   After your eyes glaze over 12 stapled pages of different line items of coverage and boiler plate language, you get all the way to the bottom to see your semi-annual premium.    Maybe if you are a really good driver according to the insurance company, you’ll get some sort of good driver discount which nobody can explain the math behind anyway.   Or, you can reduce your premium by buying more insurance through your auto carrier like your home insurance.   So you start to wonder . . . should there be a better way to come up with the correct premium on your auto insurance? Let’s face it, two people could each drive 5,000 miles during the year.   One person racked up their miles by sifting through the morning traffic to and from school dropping off and picking up their kids every day.  Bumper to bumper, they ...

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Do I Need Pet Insurance?

A few years ago, my sister ran into a truly awful situation. She had to face the music that part her family might pass way. One of her cats was going in and out of the doctor’s office using every medical procedure possible to keep her cat alive. The bills piled up, and inevitably her cat died. I remember one year during open enrollment time that I saw a new benefit on the docket called Pet Insurance. I actually chuckled at first thinking was this some gimmick or trick for the insurance companies to make more money? Quite the contrary to my surprise as Americans spent $20 billion on veterinary bills in 2010 — an 8.5% increase from a year earlier and more than double the amount spent just a decade ago. (source: wsj.com) Owning a pet is a serious financial decision these days because beyond your pet’s regular care, you need to consider the best way to plan for ...

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Health Insurance- Where are we headed?

There has been a ton of press over the past few months regarding health insurance. Democrats slamming Republicans, and Republicans slamming back Democrats. I too have a political party. The party of the small business owner. We take all of our cash, put a business plan together, and work 70 to 80 hours per week creating the dream of building something that will live beyond our lifetime. However, with all that has gone on over the past year, where is the small business owner to turn when the policies from Washington, D.C. come to fruition. ...

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Paying Too Much For Car Insurance?

How to Save Money on Your Auto Insurance You may have good reason to complain about the cost of your auto insurance, but have you tried to do anything about it? If you're resourceful and willing to do a little homework, there may be plenty of ways to lower your premium. And we're not necessarily talking chump change--a few simple steps can sometimes save you hundreds of dollars a year. ...

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