Money Talk

November 5, 2012

Year End Tips

As 2012 winds down, it is a good time to review your finances. One big piece of that is your health insurance. Some things to consider:

  • Did you meet your deductible?

If you did and it resets January 1st, now is the time to take care of of medical tests that you may have been putting off. It will cost you less out of pocket if you do it now.

  • Does your deductible roll over?

Sometimes insurers let you apply money spent in the last few months of the year toward your next year’s deductible. Ask about it. Planning elective medical procedures and being smart about it financially is the way to go!

  • Did you use your FSA funds?

If you are lucky enough to have a Flexible Spending Account (FSA) through your employer, check with HR to see if there are unspent funds. If so, use them – they usually do not roll over.

  • Are there coverage changes?

Watch the mail. Now is the time insurers have open enrollment and change coverage and premiums for the new year.

August 17, 2012

Great article in USA Today Money section on women and investing

I find it interesting that just now financial advisors are realizing talking to women is different than talking to men. The article stated women like to learn in small groups – that is why my Money Showers are fun and informative! They consist of a small group of women that come together to discuss money and how it touches our lives. I’ve also made up games to play to make it fun.

April 15, 2011

Where does your little piggy go?

I love USA Today Snapshots www.usatoday.com.  The graphic is very creative and the info pertinent.  The other day they had a piggy bank pie chart with “What we have saved for retitrement”  39% of us have saved less than $25,000.  24% were not sure. The other 4 savings categories ranged from 14% to 7% (minimum by comparison).  Do you know where you are and how you got there?  Better yet, do you know where you want to go?

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