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The issue of healthcare is one that keeps people in jobs far longer than they’d like. I’ve seen up close how someone with chronic health issues must deal with these choices, and in certain situations, the choices can be difficult.

Medicare coverage doesn’t begin until age 65, so where does that leave someone who stops working prior to that birthday? The issue of being able to afford health insurance on one’s own, even with the potential for subsidies through Obamacare if one’s income is low enough, can prevent people from leaving bad working environments. If you’re a working professional in your sixties but not a top executive, your chances of being able to quit one job and start fresh in another are quickly diminishing. Companies can’t discriminate against employees or potential employees based on age, but if you’re perceived as being close to retirement, you’re going to have a hard time getting hired in a new job.

Nurse and Patient via FlickrUnless you’ve been planning for decades to retire early by saving as much of your excess cash as possible to pay for potential medical expenses, it doesn’t take a intensive analysis to determine you’d be better off if you continue to work, even in a bad environment, until Medicare is an available option.

Not everyone has this choice. According to a recent survey by Fidelity, retirees left the workforce at age 62 on average, many not because they were dissatisfied with their work environment, but because health issues or physical limitations prevented them from continuing at their job.

There are ways to reduce health care costs on your own, like choosing a lower-cost high-deductible health plan. That could save money in premium payments, but this would only work for retirees who don’t expect to have many health issues before age 65. Through my own observations of people close to me, the likelihood of being close to retirement age without any health issues is low, even among people who have been living healthy lifestyles throughout their lives as adults. The body and mind age, entropy increases, and there’s little science can do about it today.

A common motivation message in today’s world is that it’s possible not only to retire early, but to retire extremely early. In general, and especially for the middle class, extremely early retirement is a myth foisted on the public. Retiring at or before the age of 30 — or even 35 — is not going to be possible without earning a lot of money quickly, saving almost all of it, and living a lifestyle that most middle class Americans would not be interested in.

And even then, many of the loudest early retirement proponents cheat: for instance, one might forget to mention one has a spouse who is not retired, whose income is covering day-to-day expenses, and whose job is covering health insurance and medical care for the family. That’s great, but it’s hard to call a household retired without changing the definition of retirement.

If you do retire in your thirties or even forties, you have at least a couple of decades before you’d be able to qualify for Medicare. Fidelity’s respose to the survey mentioned above included research that shows that someone who retires at age 62 rather than 65 can count on spending an extra $17,000 a year for health care before Medicare begins; imagine extending out that expense several decades in addition to the effect of rising health care costs and inflation by the time Millennials reach age 65.

So how can you retire today and manage paying for the increasing costs of health care?

1. Cheat, like many others. I’m not saying cheat the healthcare system, I’m saying cheat about how you consider yourself retired. Today, people “retire from the rat race” and open up their own businesses. The idea of being an entrepreneur is the farthest thing from being retired as possible because starting your own business requires much more work than clocking in at a corporate job in a cubicle every day. And you have more bosses than ever before — in the form of clients.

Nevertheless, people want to call this retirement, and who am I to argue with the shifting nature of the English language? So become a successful business owner (as if the decision to do so and the ability to succeed go hand-in-hand — they don’t) and let your business’s profits cover your healthcare expenses.

2. Cheat, like some more others. As I mentioned, you can call yourself retired if your spouse still works and his or her company covers most of the costs of your family’s healthcare. People actually do this. As long as your spouse doesn’t mind your being a freeloader, why not dump the responsibility of paying for living expenses on your better half?

Now, maybe you have saved up money over time and have invested a lot of that for the future. But wouldn’t you rather have the profits from your investments reinvested for the future while having today’s work-income pay for today’s expenses?

3. Save up for a long time. I wish I had known right from the beginning the realities of living expenses — many of which I have still yet to experience because I am still relatively young and healthy. I started my career out of college with a salary so low and basic expenses so high that savings was impossible. I don’t regrey my career choices but maybe I would have compromised differently, earlier than I did, with my living situations.

It’s easy to judge with the benefit of hindsight.

If retiring before age 65 is a goal for anybody, they must start planning today for the cost of healthcare without Medicare. And like any government program, you never know what the future holds. Medicare might not exist in its current form in 30 years. There’s a possibility a national healthcare system will be expanded, but there’s also a possibility that it will be more difficult to qualify for Medicare if it exists.

So contribute the maximum possible (whether bounded by mandated maximum investments or the confines of your net income) to your 401(k) and take advantage of Health Savings Accounts. At the same time, monitor your expenses so you know that the money you spend on a daily basis is going to enrich your life somehow rather than to disappear in a wasteland.

4. Stay as healthy as possible. Life does present you with some choices pertaining to your health. You can choose to eat healthier foods and avoid destructive habits. Healthcare costs for non-smokers, in general, are significantly lower than those for smokers, even when insurance tends to level the playing field somewhat.

But these choices can only take you so far. Bad things happen to people in good health, and that’s more than just accidents. You can’t control your genetics. If there is a hereditary issue that runs in your family, you have a high probability of exhibiting the same issue. The most you can do is prepare for it emotionally and financially.

5. Embrace the idea of preventative care. When I graduated college, I hadn’t been to the dentist in years. I probably hadn’t had a dental appointment since having my races removed during my senior year of high school. And I avoided going for another couple of years. But my father eventually suggested I go, and he gave me the name of his dentist. So I went, and I’ve been going regularly ever sense.

It took me a little longer to begin going to a general practitioner for regular medical check-ups. There was a widely-reported study that regular physicals do nothing to increase health (and reduce healthcare costs), and instead, facilitate more tests and expenses than necessary, so I’m not sure where I stand on visits to the doctor’s office. I do know that, for instance, I have a genetic predisposition towards Type II diabetes, so it’s important for me to watch my weight if I want to avoid the health problems and expenses associated.

I’m now living my life without an employer to subsidize my healthcare and health insurance costs. Perhaps that means I’ve retired, but I’m still trading my time and efforts for an income. I will never qualify for Obamacare subsidies, and I could continue paying for the most expensive health insurance option if necessary. I’m in a relatively unique position today, but if I had made different choices, or if some unforeseen problems arise in the future, affording health care could become difficult.

And thanks to people close to me who have had to make difficult choices, I can see how health care costs can be a significant problem for someone who doesn’t quality for Medicare yet.

How are you figuring the cost of health care in your plan to retire?


The Affordable Care Act requires most American citizens to have health insurance or health care starting in 2014. Many of those required to have health insurance will owe additional tax if they are not enrolled in a plan. It’s no surprise that many citizens are not happy about being told by the government that they have to spend money. And whenever the government requires something of its citizens, it doesn’t sit well with many of those who don’t agree with what is being required.

When the government drafted young citizens into the armed forces during times of war, protests intensified with each action until the draft was eliminated, and some enterprising individuals did whatever they could to avoid military service, including fleeing to another country. National defense and national health may be good reasons to encourage citizens to take actions that would be for the benefit of society, but Americans’ individualistic nature prevents everyone from gladly jumping on board the train.

Take up thy stethoscope and walkThis time around, those who don’t want to accept the government’s requirements can avoid jail. The penalty for not buying a health care plan from a private company is to pay a fee. Compare this with other civilized companies that have a national health system, where everyone is covered for basic health care through a public, government-operated organization, and it’s just a service provided by the government and financially supported by citizens like infrastructure maintenance and national defense. The fee varies, and some households can avoid the fee entirely.

According to the Tax Policy Center, these groups are not subject to the health insurance requirement and can avoid the fee entirely:

  • Individuals with income below the income tax filing threshold. If you don’t have to file your tax return, you don’t have to pay a fee.
  • Individuals for whom the cost of getting health insurance (net of ACA subsidies) would exceed 8% of household income in 2014. That percentage would rise in subsequent years if premium growth exceeds income growth.
  • Individuals in states that did not accept the ACA’s Medicaid expansion who would have qualified for Medicaid under the expansion. These states did not accept the expansion: Alabama, Alaska, Florida, Georgia, Idaho, Indiana, Kansas, Louisiana, Maine, Mississippi, Missouri, Montana, Nebraska, New Hampshire, North Carolina, Oklahoma, Pennsylvania, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Wisconsin, and Wyoming.
  • Members of Indian tribes.
  • Members of certain religious faiths.
  • Members of a health care sharing ministry.
  • Individuals not legally in the U.S. (undocumented aliens).
  • Incarcerated individuals.

For all other individuals, in general, the penalty for not having health insurance is 1 percent of household income after discussions with a maximum of $95 per adult and $47.50 per child. The penalty is capped at the average cost of a bronze level health plan for the same family, so in some cases — large families, most likely — it could be cheaper to buy health insurance than to pay the penalty.

Using the penalty calculator I ran some simulations. For a large family with a household income of $750,000 — this is a wealthy family — it’s probably cheaper to buy a bronze health insurance plan by 2016 as the fees increase. For a large family with a household income of $45,000, for whom the average price of a bronze plan would be $16,700 (or more than one-third of total income), the penalty of $285 for 2014 seems much more affordable. But the average health care plan price doesn’t take into account subsidies that are available for families that couldn’t otherwise afford private health care. Health care purchased from a private company through the national or state exchange can still amount to less than the fee if the situation calls for that much assistance.

My COBRA health insurance coverage ended in January, and I spent some time last year shopping for health insurance using the national exchange. Despite lots of initial difficulty, my application did go through, and I was able to sign up with health insurance from AmeriHealth. At the same time, however, I discovered that I was eligible for state continuation of COBRA through California’s program, Cal-COBRA.

Because I liked the plan I had under COBRA, I stayed with Cigna, stayed with my doctor, and paid a little more under Cal-COBRA rather than accepting the plan with AmeriHealth. The best AmeriHealth plan would have left me with fewer benefits than the plan with Cigna, but would have saved me money on monthly premiums. And because I can afford individual health insurance, the health exchange and the options presented aren’t really designed for me.

How do you feel about the Affordable Care Act penalty? Would you rather pay the penalty than be forced to buy health insurance? Do you see preventive healthcare as an important piece of a civilized society, or is health insurance primarily an individual issue?

If you want to calculate your health insurance penalty over the next few years, use this calculator.

Photo: Flickr


Looking back over my career, which for me started in non-profit out of college in 1998 and 1999, included teaching middle school and high school, transitioned into the finance industry, and eventually culminated in working for myself full-time, I’ve had an opportunity to consider my approach to “sick days.”

In the early days, I took as many sick days as possible. The organizations or companies I worked for had policies that guaranteed no fewer than a certain number of sick days. I didn’t normally take sick days to conceal the lack of a desire to go to the office; for the most part, I was sick as frequently as I took advantage of these days, usually several each month. And for me, being sick involved something like the flu or flu-like symptoms.

Perhaps I was exposed to unhealthy people more often because I lived in an apartment with several roommates, shared an office with other people who would go to work while they were contagious, or spent weekends with hundreds of high school students. Perhaps it was a combination of all the above. On most these days I formulated the courage to call a judgmental boss to let him know I wouldn’t be making it in, I was actually sick.

I never once had an employer ask for a doctor’s note, but I’m sure a few times in my first job with the non-profit I received a call from the office to check up on me. I was not calling out sick to go to a concert, I was not partying. If I called out sick, I was either sick or recovering. Every once in a while I would use a sick day for a personal recovery day; but when you work long hours seven days a week because the organization is under-staffed and over-reaching, I think that’s acceptable. Occasionally.

But as I got older, my approach to sick days — and possibly my general health — changed. When my schedule was no longer super-packed, I didn’t get sick as often. I moved out of the communal apartment and found a place with just one roommate — and a few years later, lived on my own. I was no longer exposed to hundreds of children each week. My need to take advantage of the maximum number of sick days allowed by company policy decreased, even though I managed to fill the rest of my at-home schedule with working for myself.

Also, the company I worked for began offering an opportunity for employees to work from home. Although this wasn’t the intent of the flexible arrangement was, I could occasionally work from home if I felt under the weather, and the more relaxed environment might have saved me from developing a more serious affliction each time.

Officially, the financial company I worked for did not want employees to come to the office if they were sick because of the fear of an ailment spreading through the office. Of course, this not a genuine concern of a corporate entity; the company policy was such to avoid the possibility of reduced efficiency among the employees. While staying at home in the event of sickness was the official approach, at the team level it was a different story. Employees were expected to come to the office as much as possible despite the threat of transmitting sickness to others.

Quitting the corporate day job and working for myself full time probably had the biggest effect on my health. By writing this, I hope I’m not tempting fate, but I haven’t really been sick since quitting my job. Perhaps I’ve felt sick enough once or twice a year to prevent me from getting everything done in a particular day, but that certainly isn’t the same frequency of immobilization as I was experiencing towards the beginning of my working life.

It’s also true that my environment is more isolated today than it’s been any other time in my career. I have no office to go to. I do not work with high school or middle school children. I see people only when I choose, and so perhaps I’m not exposed to many of the same infections I would be had I remained in other jobs. I don’t have a stressful schedule. I don’t have stressful deadlines unless I create them for myself. I have control over the way I live and work, which was less true earlier in my life.

And, in some ways, if I have to take a sick day, it affects my own bottom line. That was not the case in the past, though if my superiors and co-workers thought I was taking advantage of company policy — and I’m sure they did — it would affect my reputation at the office.

If you work in an office, when do you call out sick? Have you used employer-provided sick days to take care of chores or to take care of your children, or do you just call out when you’re actually unable to make it to the office? Do you try to go in when you’re sick to continue work?

If you don’t work in an office, do you find that you’re not getting sick as often? Are there other factors that contribute to your health, like being around children or other adults frequently? Are you motivated to be sick less often if you’re working for yourself?

Photo: Flickr/kodomut


As a kid, I might have had attention deficit disorder (ADD). I was never diagnosed as far as I know, but I had many of the symptoms of the “inattentive” type of ADD, and some of those symptoms continued into adulthood. An actual diagnosis of ADD as an adult would require exhibiting at least six recognized symptoms since childhood and for those symptoms to often interfere with one’s functioning in life, work, and relationships. I don’t think I’d qualify as having ADD, but the symptoms I do have do affect my life and my finances.

There has been some criticism of the ADD diagnosis. There’s been some concern that, at least for a period of time, the condition had been overdiagnosed. The symptoms of ADD and ADHD (ADD with hyperactivity) can come from other causes than the disorder. An inability to focus, for example, could be a symptom of ADD or could just stem from a lack of experience focusing on tasks. In adults, procrastination could be a manifestation of ADD or it could be a conscious choice to avoid responsibility until the last moment possible.

Doctors believe, however, that ADD/ADHD is underdiagnosed. Three to five percent of the United States population might have adult ADD/ADHD, but only 15 percent of those who could be diagnosed are aware that they have a disorder.

Self-diagnosis of adult ADD or ADHD is not possible, at least not without a medical degree. Besides just an observation of the required number of symptoms and an analysis of the effect those symptoms have on one’s life, there are several tests that are required to rule out other causes of behavior. You should check with a doctor if you suspect you might have ADD to receive tools that can help control the symptoms.

With a diagnosis or not, the symptoms of ADD can be harmful to one’s financial life. ADD/ADHD and its symptoms can prevent financial independence or slow down the approach towards wealth or stability:

Adults with ADD/ADHD often experience career difficulties and feel a strong sense of underachievement. You may have trouble keeping a job, following corporate rules, meeting deadlines, and sticking to a 9-to-5 routine. Managing finances may also be a problem: you may struggle with unpaid bills, lost paperwork, late fees, or debt due to impulsive spending. Melinda Smith, M.A. and Robert Segal, M.A.

Rather than fighting the tendencies described above resulting from ADD or its symptoms, one approach would be to use these effects to one’s advantage. Here are a few suggestions that take ADD traits and turn them into advantages. Wouldn’t you know it, as I was writing this article, I got distracted by reading the testimonials on the Ted Mosby Is Not a Jerk website. I’m easily distracted.

Leave the corporate world behind in favor of working for yourself. This isn’t exactly a simple proposal. In fact, for someone struggling with ADD symptoms, succeeding as an entrepreneur can be that much more difficult. And in some cases, the decision to start your own business if made because of a desire to get away from corporate mentality can be a big mistake.

You never work for yourself, even if you own a business; you have to answer to customers, clients, stakeholders, employees; in fact, owning your own business greatly complicates the structure of responsibility. In some cases, though, the increased responsibility of owning a business can have the same effect as procrastination: when the stakes are higher, those who procrastinate might operate at their most efficient and effective levels.

Build systems to keep you organized.

When I was in the corporate world, companies offered educational programs designed to help employees learn the skills that assist with organization and time management. Corporations are willing to spend money on this type of education for one simple reason: organized employees work more efficiently, and efficient work saves the company money. Corporate culture is not designed to invest in the personal development beyond what is good for the company’s bottom line. Unfortunately, ADD or its symptoms make it difficult for those employees to make permanent improvements based on the skills taught in these educational programs.

Have you experienced this? After hearing some great suggestions for keeping some part of your workday organized, you put the system into action. After a week, maybe two, you get bored of the system and revert to old habits. What you need is a meta-system. A meta-system is a system, but it’s a system that helps you manage the systems you put into use. It may not be enough to organize your email inbox using incoming folders, archive folders, color-coded priority ranking, and a policy of clearing your inbox every day. This is a good system, but if you have the tendency of letting chaos creep into your email behavior, you need another system that raises the stakes to keep your system in check.

An example of a meta-system that keeps this inbox system in check might involve measuring your success once a week and rewarding yourself for your level of effectiveness.

Paying bills is one of the most important financial responsibilities one can have because the disastrous consequences of not doing so. One system often suggested for maintaining bill payments is to make them automated. You can set up recurring payments from a checking account sent automatically from your bank to the company that bills you on the same date each month. Sometimes you can set up an automated electronic transfer.

Automated bill payment is a classic example of what someone who struggles with paying attention to details can do to alleviate the potential consequences of unpaid bills. The system of automation requires oversight. If a company keeps increasing the amount charged and knows that you are automatically paying bills without review, it makes it easy to be overcharged for services. That could damage your financial condition over the long term.

Fight boredom by adding randomness into your day.

Boredom might come from ADD or ADHD. It could be a result of a lack of a challenging environment. Boredom might also be the result of settling into a behavioral pattern.

One thing that has worked for me while I was bored in my corporate environment was to take time out of the day to do some things that gave me energy. Sometimes I would go to the roof of the parking deck and jog a mile in a loop. Exercise is great if you experience the restlessness symptom of adult ADHD, because channeling that restlessness into a physical exercise satisfies the need for activity while also being beneficial to your health.

In order to fight boredom and tediousness, sometimes I would put my work away for a few minutes and work on a personal project. The boss might not have been happy about my using some time for personal endeavors, but taking a break to work on something fulfilling helped me perform my job-related assignments better.

Even visiting co-workers at different times during the day, being careful not to interrupt anyone who wouldn’t appreciate a quick social visit, help keep the boredom away.

Use focus and passion to your advantage.

ADD/ADHD can manifest as difficulty with mutli-tasking or task switching. First of all, attempting to multi-task can be damaging. According to a recent study, the more you try to multi-task “the less you’re able to learn, concentrate, or be nice to people… The less you’re able to filter out irrelevant information.” Other studies show that humans can’t multi-task at all; what we think of multi-tasking is actually task switching.

The difficulty with task switching among those with ADD can sometimes take the form of an exceptional ability to focus intently on one thing. While it’s true that some with ADD/ADHD have difficulty maintaining focus, the opposite, hyperfocus, may manifest itself in other activities — usually not the activities others want you to attend to, but personal activities that inspire some kind of passion.

You can’t always design your life and work around what you’re passionate about, but some of the creativity and restlessness that can come from ADD can help you discover life paths that incorporate those passions.

Be aware of the ADD/ADHD income deficit.

A study has determined that those with adult ADD/ADHD earn significantly less income than those without. Here are some of the pertinent economic results from the study, with figures from 2005:

  • Adults with ADHD are less likely to be employed full-time.
  • High school graduates with ADHD earn $10,791 less annually than their non-ADHD counterparts.
  • College graduates with ADHD earn $4,334 less annually than college graduates without ADHD.
  • Because of the tendency for adults with ADD/ADHD to be more likely to abuse drugs and alcohol, the cost of the disorder $180 billion a year, plus $77 billion due to lower annual income.

The economic disadvantage for adults with ADD/ADHD or its symptoms is significant, so it’s important to find ways to counter that disadvantage. Working harder or more isn’t always an option. Sometimes life prevents you from getting a second job. But you can look to overcome difficulty with negotiations to make sure you’re getting the most out of your day job income. You can consider how quantum jumps can boost your wealth. You can use some of the above tips to counter ADD tendencies, reducing the deleterious economic effects of those symptoms.

How do you deal with your adult ADD/ADHD symptoms? Have you interacted with children with ADD/ADHD or its symptoms? What behaviors have you seen among those with ADD/ADHD that helped them succeed?

Photo: Flickr/adreson


Concierge Medicine As a Replacement for Insurance

by Luke Landes
Doctor and medicine

Although I’ve mostly figured out how to get my financial life in order, other aspects of my life still need work. For example, I’ve visited a physician only a few times over the past ten years. I should be seeing a doctor about once a year if I were to listen to the typical medical ... Continue reading this article…

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How to Work Out Without Over Working Your Budget

by Guest Author

This is a guest article by Jennifer Calonia, Junior Editor at GoBankingRates. In the article, the author offers suggestions for staying fit without breaking the bank. It’s that time again: Beach season is fast approaching and franchise gym promotions are in full swing to lock you and your checking account into a pricey workout regimen. ... Continue reading this article…

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The Cost of Raising a Child With Autism

by Luke Landes

A few years ago, I shared a statistic showing that it costs almost $200,000 to raise a child, from birth to age eighteen. If that weren’t enough of a financial burden, consider that one out of 88 children are now diagnosed with autism, according to the Centers for Disease Control and Prevention (source, pdf). Regardless ... Continue reading this article…

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Church Health Insurance: Effective in the Amish Community

by Luke Landes
Horse and buggy

The Amish community is exempt from the health insurance mandate that is now federal law. Members of this community rely on each other for taking care of their health, rather than relying on insurance companies. It’s an interesting approach to healthcare, and it is effective for communities where people rarely leave or enter. I visited ... Continue reading this article…

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Boost Your Human Capital: Stay Healthy

by Luke Landes
Jogging Girls

It’s easy to focus on the personal policies that help improve your net worth immediately. Saving money, investing thoughtfully, and earning income affect your bottom line immediately. This view can be shortsighted occasionally. Focusing effort on your personal human capital can have a greater affect on your net worth over the course of the rest ... Continue reading this article…

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My New Gym Membership: Good Idea or Foolish Move?

by Luke Landes

After years of failed self-improvement in a number of aspects of life that most people tend to consider important, like organization, time management, and self-motivation, I’ve come to accept some of my flaws while taking advantage of my strengths. I haven’t completely given up on the strive to improve facets about myself that could lead ... Continue reading this article…

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Look At Your Medical Bills Before Paying

by Luke Landes

My dentist’s office is changing billing procedure. I should note that my dentist is not part of an insurance network. It may be a cliché, but I have heard people who say that any dentist who aligns his office with insurance carriers is one you want to avoid. That doesn’t mean that I have to ... Continue reading this article…

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Concierge Medicine: Differentiated Healthcare for the Rich

by Luke Landes

Earning or having more money might not universally increase happiness or health. Wealthy people can be sad or sick just like those who are less financially fortunate. More money does provide more access to “stuff,” though, and people often like that “stuff.” Businesses that cater to the rich with services for which they might be ... Continue reading this article…

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Potential Doctors Attracted to Primary Care Physician Jobs

by Luke Landes

The Health Insurance Reform Bill was signed into law a year ago. It’s already having an effect on the state of the medical profession. Thanks to some incentives, general practitioners or family doctors, typically the best choices when one is selecting a primary care physician, are becoming attractive jobs. It’s easy to see why, for ... Continue reading this article…

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Financial Motivation to Get in Shape

by Luke Landes

I started the year out right. I didn’t join a gym for my exercise, but I signed up for a “class” using RunKeeper, a mobile application that tracks my progress as I run, walk, or get any physical exercise, and posts my results publicly. It ties into my philosophy well, using the same tricks I ... Continue reading this article…

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Braces and Orthodontics: Costs and Benefits

by Luke Landes

Through most of my four years of high school, I had braces on my teeth. The braces helped to correct an overbite, and I wore them longer than most kids my age most likely because I wasn’t consistently wearing the head gear during the night as prescribed. It’s hard for me to weigh the cost ... Continue reading this article…

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Why You Should Care About Your Wallet and Your Waistline

by Philip Taylor

This is a guest article by Philip Taylor, the owner of the blog PT Money. Philip created PT Money to share his own experiences with successfully managing his money. It’s no secret that our money and our health are connected. More people want to excel with these two things for their lives more than any ... Continue reading this article…

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Running in the Snow

by Luke Landes

One of my goals for 2011, like most people who make New Year’s resolutions, is to lose weight. Earlier this week, I started a training program that will lead me to be able to finish a 5K. To track my progress and to assist with training, I’m using an application for my phone, RunKeeper. RunKeeper ... Continue reading this article…

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Life After Salary: COBRA vs. Individual Health Insurance

by Luke Landes

One month ago, I notified my boss at the corporation where I worked that I would be leaving. I was headed for the new frontier. Leaving my salary and benefits behind, I looked to the horizon and contemplated what I needed to do in order to keep my life secure. My biggest concerns besides maintaining ... Continue reading this article…

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Make More Money By Sleeping More

by Luke Landes

Although I’ve always been a proponent of the value of getting a full night’s sleep for health, this is something that I haven’t been able to do for myself for many years. The people I know who are most committed to their careers and those for whom anything other than success is unacceptable have had ... Continue reading this article…

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Reducing the Cost of Dentist Care

by Luke Landes

How often do you visit the dentist for preventive care? Since graduating college, I’ve been getting regular check-ups and cleanings twice each year. I’ve seen the results of neglect, and I have no desire to lose my teeth any time soon. I’ve also seen results of bad dental work, so it’s imperative not only to ... Continue reading this article…

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