Sharing insights since 2007 on carefully saving money, investing, frugal living, coupons, promo codes because the little things matter in achieving financial freedom!
During a recent trip, I had the pleasure of talking with a retired couple who are spending their golden years touring the world. Italy, China, Mexico, Hawaii — they’ve seen it all, and some places more than once. While I didn’t want to ask personal questions about how they could afford such luxurious trips, I was amazed that this seemingly-average couple was able to achieve travel goals that most can only dream of.
They had some great tips for budget travel that I eagerly soaked up. After all, I’d like to see more than the foothills of Appalachia before my time on earth is up.
Try Vacationing Abroad
One suggestion I found particularly intriguing was to vacation outside the United States. Even accounting for airfare, the couple claimed it’s often cheaper to book a vacation abroad than it is to vacation in a nearby state.
Booking a year or two in advance helps them get package deals and cheap rates. They also don’t usually use a travel agent, saving more money by booking trips themselves over the internet. Comparison shopping for travel and vacations can really rack up the savings. [ continue reading… ]
One of the timeless ways to save money is to comparison shop, and switching to a Medicare Part D plan that costs the least amount of money would be a great way to save. But yet, only about seven percent of seniors who enroll in Medicare Part D changes plans each year, according to the Centers for Medicare and Medicaid Services.
And it’s not due to the lack of need either. Walgreens conducted a survey and found that 37 percent of the participants worry about their prescription drug costs and one in five had to delay filling a prescription or skip doses just to manage medication costs.
The real culprit is fear of the unknown. Many seniors are simply confused by the complexity of these drug coverage plans. They are also worried about the potential repercussions of changing coverage, especially when the consequences could be not having the drugs they need to take until everything is sorted out. That’s why the details of what to look for when comparing Medicare Part D plans is the first thing I want to write about when Walgreens contacted me to cover Medicare Part D here on MoneyNing.com.
Here’s what I found someone shopping for a Medicare Part D plan will need to know in order to find the best plan for them. [ continue reading… ]
Last week, I was promoted a level within my organization. As a baseball player, this meant that I had to leave immediately. I was told around 10 pm that I’d be leaving the next morning on a 6 am flight. My wife and I had settled in to our lives in Florida, and now I had to move again. We needed to choose a new place to live, figure out how to get our belongings there, and find someone who could take over our current lease.
Moving Our Lives
My dad happened to be in town when I was promoted, and he kindly offered to drive our new car up the east coast with all of our stuff packed in the back. I couldn’t drive, as I needed to get there as quickly as possible. My dad took only a day and a half to drive up the entire coast, which meant that all of our stuff arrived in our new city quickly. [ continue reading… ]
One of the ways that you can grow wealth over time is to invest. Unfortunately, many Americans don’t understand how to get started.
According to arecent survey from NerdWallet Investing, 81% of Americans don’t know that a brokerage account is needed to invest online. (This doesn’t mean that 81% of Americans aren’t investing at all. For a number of Americans, the investing isn’t really recognized as such, since it’s done through their retirement accounts.)
If you want to invest on your own, however, you need a brokerage account — and the NerdWallet information seems to indicate that a large majority of Americans don’t understand this, or know where to go to open a brokerage account.
This is a shame, as many Americans could improve their financial fortunes if they knew that there were options for them. It’s really not too hard to open a brokerage account; as long as you have identifying information and a bank account for transfers, it’s possible to open a brokerage account and get started. [ continue reading… ]
Are you sick of work-from-home scams? Do you really want to earn some extra cash?
People have been trying to work from home for years. Yet with so many online scams, it’s hard to know which are truly legitimate.
There are ads in newspapers and magazines offering you opportunities to make money by forwarding emails. All you have to do is pay $29.99, and you’ll have access to thousands of companies in dire need of your help.
Really? No, thanks.
If it sounds too easy, it’s probably fake. Skip searching through endless seas of illegitimate work-from-home scams and use this guide to help you earn the extra cash you want — without losing money to third-party rip-off artists.
12 Work-from-Home Plans That Work
1. Web designer – The boom in online businesses means a boom in the design industry. Some people have even quit their day jobs and become full-fledged business owners — just by playing around with Photoshop. Don’t know how to code a website? Get a free education from CodeAcademy. There are also tutorials on YouTube and many blogs that can teach you the basics of design. [ continue reading… ]
While we all know the importance of having life insurance to protect our families in the event of our death, the details of being the beneficiary of a life insurance policy are a little less clear.
Here’s what you need to know about collecting life insurance benefits, so nothing comes as a surprise during a stressful time:
In any case, while insurers will sometimes make efforts to contact beneficiaries after a death, there’s not necessarily a contractual requirement for them to do so. That means that the onus is on the beneficiaries to file a claim in order to receive their benefits. [ continue reading… ]
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