A Personal finance blog for saving money and earning more and thus having a better life
Medicare has finalized changes that will take effect in 2019. These Medicare 2019 changes are improvements meant to offer better services to beneficiaries, while they also reduce administrative burdens on various Medicare plans.
The changes are mostly on Medicare Advantage Plans (Part C) and Medicare Prescription Drug plans (Medicare Part D). It’s estimated that the changes can lead to savings of up to $295 million every year for the program.
Can you save money by quit smoking? We often hear people arguing how cigarettes influence our financial situation in a negative manner. The habit itself has no real benefit to those who practice it, yet people spend thousands of dollars on tobacco product every year.
Cigarette addiction is one of the most difficult to break, and it seems as though monetary aspect is not doing its part in motivating smokers to quit.
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.
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?
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.
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.
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?
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.
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.
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.
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.
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.
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!
Let’s first talk about their presence, the omnipresence of those microscopic beings, known as “germs”.
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.
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.
There is an old saying which goes, “An ounce of prevention is worth than a pound of cure.” No matter how healthy a person is, they will need all the help they can get in keeping themselves in a clean bill of health. Keeping yourself informed about the major threats to your health is the best way to prevent the threats to men’s health from hitting you. 
Here is a list of the ten leading risks to men’s health and how to prevent them as compiled by the Centers for Disease Control and Prevention (CDC).
Leading the list is heart disease. This is quite common among men aged 35 to 65 years old. It represents 28.4 percent of all deaths in the United States. There are several ways you can keep yourself from suffering from heart disease:
Cancer is the cause of 24.1 percent of deaths in the U.S. The America Cancer Society reveals that lung cancer is the biggest contributor to cancer deaths with prostate and colorectal ranking second and third, respectively. Here are the ways you can prevent cancer:
