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One Cent At A Time

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4 Common Excuses For Not Enrolling In FSA

December 16, 2015 8 Comments

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I will take it for granted that the savvy readers of this blog are motivated money-savers. The folks here are the types who want to take charge of their financial life one cent at a time with a clear goal in mind. So perhaps my message today is just preaching to the choir; Nevertheless, it never ceases to amaze me what excuses people will give for leaving hard-earned money on the table.

Excuses for not enrolling in FSA

Let’s take that health Flexible Spending Account, for example. You know, the one that is offered by your employer, which allows you to put away some of your pre-tax earnings to spend on eligible health-related products and services?

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The Hidden Cost of Common Medical Conditions

September 28, 2015 5 Comments

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Nearly 2 million Americans will file for bankruptcy this year after coming into financial hardship due to the diagnosis of a medical condition. The medical expense is currently the number one cause of personal bankruptcy in America – surpassing bankruptcy as a result of credit card debt or mortgage payments.

Medical Cost

These figures are somewhat unsurprising when you consider that two out of every 1,000 people will rack up $100,000 or more in medical bills each year. Treatment for some of the most common medical conditions such as coronary heart disease can cost insurers billions of dollars every year.

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Using Medicaid for Your Long Term Care Needs

June 12, 2015 3 Comments

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There comes a point in anyone’s life when they start to realize they’re not as young as they used to be, and as they get older they become increasingly aware of their own mortality. None of us have very long on this Earth, and we may be closer to the grave than we would care to admit.

Using Medicaid for Your Long Term Care Needs

Using Medicaid for Your Long Term Care Needs

People are more likely to need long-term care services when they’re in their 70’s or 80’s, and some may need it when they are even younger. Maybe you’re in your fifties, and you might be thinking about where you’re going to be in the next twenty years. Will you still be in the same state of good health that you might be in right now, or will you still be alive? But you’re not rich, and you don’t know if you’ll be able to afford a long-term care policy.

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How to Save Money on Expensive Prescription Drugs

August 25, 2014 7 Comments

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The cost of healthcare is a rising worry for Americans. Seems like the everyday cost of medication is going upwards. For people with lower earning it’s becoming more and more out of reach to provide for better care for patients. The health insurance premium is rising and out-of-pocket expenses are also rising.  The big question is, how can we reduce the cost of prescription medication?

Save on Prespriction Medication

Even with more affordable health care provisions individuals can still end up having relatively high out-of-pocket expenses, a good deal of which are due to prescription costs.  The US is a popular market for new and expensive drugs due to its size and the relative ease of getting drugs into the marketplace once they have been FDA approved.

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8 Ways To Save Money At The Gym

August 4, 2014 5 Comments

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I have written about spending money on self-improvements, I also spoke about Gym membership and how useless they are. I have seen people who don’t go to the gym but always keep fit. I also know people who go to a gym regularly but still obese. Also, there are fit and muscular friends I have who go to the gym regularly. If gym happens to work in your case, then this guest post is for you. Enjoy the post and save some money!

Gym Membership

We all know that joining the gym can be an eye-watering (and sweating) expensive exercise (no pun intended!) but if you know what you’re doing there are a number of ways to save money on your gym membership.

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Low-Cost Ways to Purify the Air in Your Home

June 11, 2014 Leave a Comment

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Believe it or not, the quality of the air inside your home may be far worse than the air outside, despite all of the pollution from factories, cars, etc. that’s out there. The truth is that there are many products that are found and used throughout your home that deteriorate the quality of your air.Inside home

For example, many items, such as your furniture and the paint on your walls, can cause volatile organic compounds and other toxins to leak into the air, and this can, over time, result in a variety of health ailments.

And the cleaning products you use that contain chemicals, or the artificial fragrances you use throughout your home to eliminate odours, can also be detrimental.

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How to Protect your Heart, Here’s What I am Doing

May 17, 2013 6 Comments

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Alright, readers, I am shameless to admit that I smoke, even after knowing that smoking is one of the main reasons for heart attack. Here is all bad effects of smoking listed in the article. I do want to quit sooner. Till I quit, I won’t keep other good stuff pending that will do good to my health. After smoking the second biggest enemy, for me, is lack of exercise, I don’t even spare 10 mins a week for exercises.

Protect your Heart

While going through some of the articles recently on health, I ran across one that talked about heart problems. The biggest four causes of a heart attack did apply to me. Smoking, lack of sleep, stress and no exercise. It was a wake up call. Since then, I made a list of things I should do to protect my dear heart. This article contains that list.

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Few Simple Everyday Techniques to Protect yourself from Germs

May 3, 2013 10 Comments

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Today is a special day. SMB, my wife, agreed to finally write something up for my blog. I mentioned about her unwillingness to contribute to this blog in my about page, I also mentioned about her obsession with cleanliness. So, I had given her this topic to write about. She thinks she has serious OCD (Obsessive Compulsive Disorder) as far as cleanliness is concerned, I think so too. 🙂 Enjoy the post!

How to Control Germs

Let’s first talk about their presence, the omnipresence of those microscopic beings, known as “germs”.

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Step by Step Guide to Make a Medical Negligence Claim

May 2, 2013 6 Comments

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Pursuing any claim through court is difficult – even more so when you’re trying to pursue a medical negligence claim, especially if you are suffering from an illness or trying to come to terms with an injury. Every person has the right to make a complaint if the care that they received at the hands of a medical professional or institute was sub-standard, and every person has the right to make a claim for medical negligence if that sub-standard care directly caused an illness or injury.

Medical negligence claim

Making a claim for compensation can be complicated and so it’s important that you speak to a medical lawyer to guide you through the whole process. I know how tough it can be to make a claim and the process can be particularly tricky if you’ve never experienced it before. I wanted to put together a step by step guide to help people just like me make a claim, without getting confused by all the medical jargon.

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Travel & Health Insurance Coverage: 5 Questions Answered

March 29, 2013 11 Comments

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Whether you’re planning a leisure trip abroad, or are travelling for business, it is imperative that you understand the ins and outs of what your health insurance provider will actually provide you if tragedy should strike.

Travel Insurance

In most cases, health insurance providers do not provide any kind of coverage while you’re out of the country, or they provide only very little; furthermore, that very little might be almost non-existent once it filters through all of the stipulations and requirements.

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Disclosure of Material Connection: Some of the links in this web site are “affiliate links.” This means if you click on the link and purchase the item, I will receive an affiliate commission. Regardless, I only recommend products or services I use personally and believe will add value to my readers. I am disclosing this in accordance with the Federal Trade Commission’s 16 CFR, Part 255: “Guides Concerning the Use of Endorsements and Testimonials in Advertising.”
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