When it comes time to choose holiday gifts, there are times you just don't want to buy any more things. Yet, you want to share joy, make your friends and family happy and give them a thoughtful gift that they will enjoy all year. There is a way to do that. Memberships in museums or botanical … [Read more...] about 10 thoughtful gifts that keep on giving
Medicare open enrollment is a time each year during which people who are on Medicare can change their health plans or their prescription drug coverage for the following year. This year’s open enrollment period is from Oct. 15 through Dec. 7. Here are your benefit options: Original Medicare: … [Read more...] about Medicare open enrollment: How to pick a plan
Americans who get their health insurance through the Affordable Care Act federal exchange or state exchanges can start looking through the health care plans available for 2017. Open enrollment runs Nov. 1 through Dec. 15 for coverage that will start Jan. 1, 2017. You can enroll through Jan. 31, … [Read more...] about How to pick the right Obamacare health plan
When I was growing up, each of the six siblings in my family bought each other and our parents a Christmas gift. Because five of us had birthdays in December or early January, we also bought five birthday gifts. Buying 11 or 12 gifts, plus another handful for friends, didn’t seem so bad. The … [Read more...] about Can you be the first one to say ‘no gifts’?
As the holiday gift-giving season approaches, we often are filled with a sense of dread: How will we ever find the perfect gift for everyone on our list, the time to finish our shopping and the money to pay for all the stuff we need to buy? Some Americans are saving money and sanity by changing … [Read more...] about How to end the exchange of useless holiday junk
It's that time of year when we all seem to be mired in alphabet soup – and not the kind you eat. Open enrollment for benefits plans is here, and that includes choosing health insurance coverage. As employers and insurers shift more of the cost to users, the annual choice gets harder, whether you … [Read more...] about HMO vs. PPO vs. EPO vs. POS: Decoding the alphabet soup of health care
It's open enrollment time in most workplaces, as well as for those who use the Affordable Care Act exchange, which means health care consumers are trying to make sense of the alphabet soup of the available benefits. One choice many face is how best to maximize the tax savings that come with some … [Read more...] about FSA vs. HSA: Which health-care tax savings is right for you?
Most people are surprised to learn when they reach age 65 and sign up for Medicare that the standard government health plan does not cover prescription drugs. To get prescription coverage, you need to sign up with a private insurance company for Medicare Part D. That supplements Part A (which covers … [Read more...] about How to find the right Medicare Part D plan
If you've ever seen TLC's "Extreme Couponing," you might conclude that coupons are for crazy people. You don't need a five-year supply of toilet paper, and you especially don't want to devote 40 hours a week to planning your grocery shopping. If you do a little studying and monitoring, you can … [Read more...] about Less extreme coupon strategies save money and time
If you’ve got a generator, you’ll be able to produce enough power for some of your needs, but know the generator you have and its capacity. If you’re lucky enough to have a backup generator already connected to your electrical system, you may be able to run your home normally. But the small, … [Read more...] about Safety tips for running a portable generator
Medical costs are rising across the United States, and patients are left paying a bigger percentage of the bill. Most Americans, whether their health insurance is provided through an employer, the Affordable Care Act exchange or the open market, are paying a higher share of their medical care costs … [Read more...] about 8 ways to get help with high drug costs and medical bills
If you’re like most Americans, you have hundreds of photos, videos and songs scattered among your cellphone, computer, tablet and whatever other devices you own. In recent years, cloud storage options have made it easier to share and organize your multimedia content. With your documents on the … [Read more...] about Best cloud storage for photos and music