If you have an individual health insurance policy that was issued before March 23, some of the new health reforms may not apply to you.
Major employers that provide health care for employees have human resources departments that hopefully are making sure workers are taking advantage of the new reforms. But according to the U.S. Department of Health and Human Services, 17 million people pay for their own health coverage in the individual health insurance market.
If you're one of them, it's definitely time to give your policy a checkup.
Before you jump on these deals, wait for the Black Friday ads to come out.
This post comes from Melinda Fulmer of MSN Money.
These thick full-color displays of kiddie eye candy, released every year, are meant to get kids drooling over page after page of toys they didn't even know they wanted. But are they a sweet deal for parents?
It's off-season for gyms and trainers. Beating the New Year's resolution crowds can pay off.
As if virtue -- and thin thighs -- weren't rewards enough, there may be significant financial benefits for those eager to commit to workouts throughout the holiday season.
Between the flagging economy and the annual seasonal drop-off, gyms are especially eager to make a deal now, industry experts say. Gyms attract just 9% of their members during November and December, compared with 12% in January alone, according to the International Health, Racquet and Sportsclub Association.
I know many eBay aficionados who could blaze through listing my stuff in no time at all, but I'm not one of them.
The result of deleting items from drawers and hangers is two large brown boxes taking up floor space in the closet, overflowing with castaways. The boxes have grown into mountains, and I can't walk to the back of my closet anymore.
My intention was to sell these items, which are the nicer things I actually like but don't work for one reason or another. I didn't want to drop them off at the consignment shop because the shop keeps 60% of the profit and accepts only in-season clothing, meaning I'd have to keep some of this stuff in my closet for almost a year. So I planned to sell it on eBay, thinking I could make some of my money back and maybe sell the out-of-season items.
Procrastination or lack of motivation?
Month after month passed, and I never got around to selling a single article of clothing. I even bought a cheap postage scale, convinced that the lack of a scale was what was holding me back from listing my stuff.
But last week I finally realized that there are about a hundred things I'd rather be doing than messing with this pile of stuff.
Credit card debt is the top culprit, but that may be the result of unemployment or other financial setbacks, not lavish living.
But these older people aren't piling up credit card debt because they're eating out every night and taking fancy vacations, studies show. Instead, they are going into debt because they can't make ends meet and are hesitant to ask friends or family for help. In fact, some are suffering financially because they are helping friends and family.
Writer evaluates successes and failures of her two-year attempt to be gentler to the environment. But did she save any money?
We hear a lot about expensive houses that incorporate the latest "green" technology and people so dedicated to the environment that they will recycle 400,000 cans to pay for their wedding or will grow all their own food.
But how do the costs and benefits compute for your average busy homeowner living in a small house, with limited DIY skills? Do environmental moves such as reusing "gray water" and installing solar panels really pay off?
Susan Carpenter of the Los Angeles Times, who cares enough about the environment to spend thousands of dollars over two years retrofitting the small bungalow she shares with her 7-year-old son, decided to do the math, or at least some of it. The results weren't pretty.
'Minimalism' is not a synonym for 'frugality.'
But what if your goal is to have more than one of everything you need, and a whole bunch of what you want?
The Internet is humming over a Wall Street Journal article implying they did.
This post comes from Marilyn Lewis of MSN Money.
You may have asked yourself: How real is the big foreclosure document flap? That very question is getting a passionate airing online in response to a Wall Street Journal article, "Niche lawyers spawned housing fracas."
The article gives quite a bit of weight to banks' contentions that at the heart of the problem is a lot of noise over technicalities.
Journal readers, bloggers and a legion of others around the Internet are jumping on the debate about whether the scandal is really a tempest in a teapot or evidence of banks playing fast and loose with the legal system.
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