Medicaid. Okay I said it. As with my other posts, it is not as sexy as investments. But please do read this post, as it may help save your friends and family a lot of money. We all know of someone that will be applying for Medicaid in the near future - be it ourselves, our parents, or our family or friends. This brief post will discuss a few of the Medicaid changes that resulted from the Deficit Reduction Act of 2005, which was signed by President Bush on February 8, 2006. Read the rest! »

Don’t be fooled by the topic of this book. Ben Baldwin’s The New Life Insurance Investment Advisor is a must read. Read the rest! »

Few Americans - and few seniors - understand Medicare and what benefits they are lawfully entitled to receive. The Medicare Modernization Act expanded the opportunities for beneficiaries to make their own decisions; however, the added decisions have made the program even more confusing. This article will focus on prescription drug coverage or Medicare Part D, as the prescription drug deadline is approaching. If you have a loved one or know any older Americans who are or might benefit from prescription drug coverage, I urge you to forward this article to them. Read the rest! »

 It appears that most Americans who can qualify for Health Savings Accounts (HSAs) are not taking advantage of them. There may be several reasons for this trend. Lack of knowledge about HSAs or that a HSA is even an option is probably the prime reason. As you hear me say again and again, for some reason insurance just is not as sexy as investments. Luckily, HSAs do involve investments so this article might be sexier that my other posts. This post will provide a basic overview of HSAs and some miscellaneous ramblings about why I like HSAs. Read the rest! »

Automobile accidents can have a catastrophic impact upon ones financial well being; however, nine times out of ten consumers simply accept the automobile insurance coverage that is recommended by their insurance agent. This is probably because most people do not believe that they will ever be in an automobile accident (because of their superior driving skills), because they do not fully appreciate the financial loss that they could suffer, or because being knowledgeable about the topic is not as sexy as being knowledgeable about the stock market. Notwithstanding this lack of sex appeal, this post will discuss a few of the basic automobile insurance policy features that consumers should be aware of when purchasing or renewing their automobile insurance policy. Read the rest! »

We have all hear that most Americans are one paycheck away from living on the streets. As a result, becoming disabled is one of the greatest risks that face most working Americans. Yet most Americans do not purchase disability insurance. This is probably because most American workers do not fully understand what disability insurance is or how to evaluate disability insurance policies. This article will briefly address both issues. Read the rest! »

It is often said that if you need long-term care insurance you cannot afford it and if you can afford it you do not need it. In many cases this maxim is true. This brief article will discuss some of the basics of long-term care insurance. Read the rest! »