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Insurance

Higher Health Insurance Premiums for Overweight: Discrimination?

by Luke Landes

If you are seeking your own health insurance outside of an employer plan, your weight has a lot to do with the premium you’ll pay as well as your ability to even qualify for insurance. Insurance companies find this to be logical. Overweight individuals account for a higher percentage of health-related costs than they should, ... Continue reading this article…

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Financial Documents For Young Families

by Luke Landes

Have you recently welcomed your first child into your family? If so, it may be time to get some of your financial documents in order. These are some things you may not have considered before having a baby. This video from SmartMoney TV quickly runs down the basics: which documents are necessary and why. 1. ... Continue reading this article…

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Money Magazine: 25 Rules to Grow Rich By, Part 3

by Luke Landes

Last week, I started a short series looking at Money Magazine’s 25 rules to grow rich by. I’m breaking down the advice within the article into five separate blog entries here; you can find part one here and part two here. Here are the next five tips, with a bit of my own commentary thrown ... Continue reading this article…

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Know What Your Insurance Protects

by Luke Landes

Over the weekend, I received the annual benefits enrollment package from my employer. Last year, the health benefits offered by the company changed significantly to take advantage of Health Savings Accounts and to raise prices. Even after the multiple sessions with Human Resources, there were some of my coworkers who didn’t know the difference between ... Continue reading this article…

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Ten Tips For Cutting Car Expenses

by Luke Landes

Car costs got you down? The inimitable Suze Orman offers ten tips for keeping car insurance costs down in a world where gas prices continue to climb. Here’s the short version: * Boost your deductible. Keep cash on hand for emergencies, or call it partially self-insuring. This will keep your monthly payments down and you ... Continue reading this article…

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Sell Your Life Insurance Policy

by Luke Landes

Let’s say you have a life insurance policy that will pay $1,000,000 to your family in the event of your death. You’ve had the policy for several years, but you’ve decided that it is no longer needed. You don’t want to pay the monthly premium and there’s no one to receive the funds when you ... Continue reading this article…

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Dinged Rental Cars, Dinged Wallet

by Luke Landes

At the most, I would rent a car once or twice a year when I find myself traveling to remote cities for friends’ weddings, for example. Luckilly, this has not yet happened to me. According to the New York Times, it’s common for rental car companies to charge mutiple customers for the same dings or ... Continue reading this article…

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What Are You Afraid Of?

by Luke Landes

CNN Money has an extensive feature on how general consensus is wrong again. The articles look at the biggest money fears, how they may be unreasonable, and what should worry the public instead. Here are the first three from the series. The remaining three appear in a follow-up post here at Consuermsim Commentary. While Americans ... Continue reading this article…

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