If you want to make the most out of a car lease, you can’t just randomly choose a dealer or a vehicle lease package. You need to be mindful of your choices. You can go to a reputable personal and business car leasing site like https://www.genusleasing.com but it does not mean you will automatically get the best deals. You have to exert time and effort to study your options and avoid pitfalls.

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tax plan tips for couplesAs the end of the year approaches, our minds turn to the holidays and a less than pleasant thought – taxes. Parents get a child tax credit for each dependent under the age of 17. Last year’s tax reform package increased the deduction from $1,000 to $2,000. Couples without any children don’t get the big tax break, but you still have some ways to decrease your tax liability for 2018 before the year ends.

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health care options

Your health is important, but the cost of taking care of yourself has risen dramatically in the past few years. Even without children, you could spend hundreds on insurance and health care costs. The enrollment period for next year’s health insurance plans begins next month. The change in leadership has led to changes in healthcare that could affect those who are self-employed or don’t receive insurance through the workplace.

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cfpb complaint

Life is not like Monopoly. Sometimes a bank’s error is not in your favor, such as suddenly your bank account is empty and no one will listen. But you do have recourse – you can file a CFPB complaint.

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According to the National Association of Realtors, 52% of home buyers cited finding the right property as the most difficult part of buying a home. But don’t be mistaken, the process doesn’t end when you’ve found the picture perfect property — in fact, that’s where it’s just beginning. Buying a home requires due diligence and financial responsibility. Here’s what you may not know about the real estate purchasing process:

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At any age, money management can prove challenging. Emergencies and unexpected costs can arise without warning, wreaking havoc on savings. Of course, saving money is particularly challenging when your car breaks down, you catch the flu, and you drop your phone in the toilet in the space of a week.

Young adults just starting their careers can have even greater difficulty pulling together their finances. Student loans, early-career salaries, and inexperience with money management can all scramble a budget for those just starting out.

Still, many financial experts agree that getting your finances under control at an early age is essential to a lifetime of fiscal responsibility. Here are five tips for the young wage earner to stay afloat:

  1. Pay Off Credit Card Debt
    One of the biggest struggles for young earners is learning to manage debt. Student debt is often hulking and will require years to pay off, but other debts can be reduced more quickly. Under 30 CEO recommends paying off credit cards on-time and chipping away at big debts to avoid spending too much on interest rates. Most Americans spend about 26% of their annual income paying down debts, but with diligent planning, young people can reduce this percentage to spend money more wisely on other necessities.
  2. Construct a Budget
    Another essential step for young people is actively keeping track of their spending. Though U.S. News and World Report admits that budgets can feel restrictive, remaining conscious of where your money goes each month can help young consumers make better choices. Using a budget might also help young people find room for more fun spending after they’ve accounted for other essential bills.
  3. Start Saving Now
    Finally, U.S. News insists that young people must begin saving as much and as early as possible. Saving before you have a mortgage or kids will carve a smoother path for those later-in-life expenses. Specifically, saving for emergencies and for retirement will help new wage earners climb out of financial insecurity quickly. Though retirement may seem distant, U.S. News reminds young workers that many companies will match retirement contributions, so starting early can help them reap rewards for decades.

By following these tips, any twenty-something can go from getting by to getting ahead. Start early for a lifetime of relatively stress-free financial stability.

Are you one diagnosis away from bankruptcy? Then imagine how you’ll feel in retirement. To save on health costs in retirement, you need to start planning now.

With rising health care costs a very scary reality, people who are soon entering retirement need to be thinking about how they can save on their health care expenses. While the average age of retirement is 63, people enter retirement at all ages and at all levels of financial stability. And without a normal income, it’s important for retirees to be smart about their health care expenses. So with that in mind, let’s take a look at a few ways you can save on health care costs in retirement.

Take Preventative Measures

One of the easiest ways to save on health care costs is to stay healthy so you don’t need to visit the doctor more often than necessary. So if you do have any health issues, you should address them before they escalate. And even if you aren’t sick right now, it’s still important to take precautions. By visiting the doctor and dentist regularly, you can ensure any problems that do arise are noticed sooner rather than later. You can even take advantage of opportunities like dental school cleanings — and with dentistry being considered one of the 10 most trusted professions, you can get a free cleaning and help students reach their goals. But overall, it’s important to truly take care of yourself. You should try to have a regular sleep schedule, eat healthy foods, and get regular exercise. While this may be a new adjustment for some people, treating your body better now will save you money in the long run. So be precautious and stay as healthy as possible.

Think Long-Term

When you’re thinking about your health care needs, it’s important to not only think about what you need now, but what you may need in the future. Thinking about your long-term health care needs is one of the best ways to reduce health care costs. While it isn’t always pleasant to think about the medical needs we may have in the future, it’s an important step to take. You should consider aspects of health care like hiring a home aid, medical equipment, prescriptions, and other medical care. Already, it’s estimated that 65% of people over the age of 60 experience dizziness or loss of balance on a daily basis. You never know what medical issues may come up, so it’s best to be as prepared as possible. This can also include taking steps like installing handrails in your home and ramps next to stairs. This can help prevent falls, which in turn can prevent expensive medical bills. It’s also important to consider establishing a health care proxy and getting your legal forms in place in case an accident does occur. All in all, considering your long-term health care needs can be a simple way to reduce health care costs.

Know Your Health Care Plan

And last but not least, it’s absolutely crucial to fully understand your health care plan. This is important for a few reasons. First, it’s important to ensure you’re not getting overcharged in any way. You should frequently check your bank statements to ensure you’re paying the same amount — this can also help you ensure your payment information is stolen, like the 15.4 million U.S. consumers who were victims of identity theft in 2016, according to Javelin Strategy and Research. Secondly, it’s important to know which medical expenses you’re covered for. This is beneficial when you have an unplanned doctor visit and need to know how much you’re going to have to pay out of pocket. And lastly, it’s important to know if you’re getting the right coverage or not. Remember that not all health care policies are the same, and you may need a different one than what you currently have. Knowing your health care plan can help you ensure you’re getting the right coverage at the right costs.

Entering retirement is an exciting time, but there is still work to be done. So make sure to keep these tips in mind and always revisit your health care plans to ensure you’re saving as much money on health care costs as possible.