Avoid Debt – Advice on avoiding debt & bad credit issues

Where You Can Find Personal Dental Insurance That Has The Best Coverage

October 15, 2012 by · Leave a Comment 

Finding the best coverage when it comes to your personal dental insurance is obviously a top and number one priority aside from pricing. Your budget will also play a very vital role in determining what kind of plan you can obtain but there is good news and bad news. Some coverage plans will prefer an individual plan over the family plans because that’s less of a risk for the insurance company. The bad news is, if you have any pre-existing conditions or work that needs done, they’re obviously going to want to charge you more or be hesitant.

–          Don’t let insurance companies push you around. No one should be denied insurance because of a minor pre-existing condition or because they don’t have a lot of money on hand. You should only work with companies who are willing to work with you in return.

–          Remember, you come first. Not the insurance companies and not the doctors, you should always come first and you should always try to find an insurance company that’s willing to put you first and realizes that customer care is a top priority for them.

If you’re looking for dental insurance California companies, you need to look hard and search deep because not all of them are as they appear to be. Some of them will charge you an arm and a leg when it’s not necessary. One of your options is delta dental individual and another option is www.dentalandvision4u.com.

Few year-end financial actions

October 3, 2012 by · Leave a Comment 

The end of year is only three months away and it is time to make certain key financial moves in order to save money.

Simplify your finances:  Most utilities, mortgage companies and other merchants allow online payments.  You can also make automatic contributions to your retirement savings plan online.  They save money and provide you with a discipline to stick to your financial goals.

Make necessary moves to save on taxes:  There are many overlooked tax deductions.  If you have children under the age of 13 and you pay for childcare while you and your spouse at work, you can take a deduction for childcare expenses.  If you have kids in college, you can take credit for college expenses under the American Opportunity Credit.  If you moved more than 50 miles due to a new job or transfer, you can claim job related moving expenses when you file your 2012 tax return.  If you are thinking of donating to charity, do it before the end of the year.  Gather all your receipts and keep them in one place for easy access during tax time.

Review your contributions to retirement plans:  There are catch-up provisions for those who are nearing or over 50.  Maximize contributions to IRA and retirement plans.