medical care http://www.wisebread.com/taxonomy/term/10762/all en-US 12 Money Moves to Make the Moment You Decide to Retire http://www.wisebread.com/12-money-moves-to-make-the-moment-you-decide-to-retire <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/12-money-moves-to-make-the-moment-you-decide-to-retire" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/retired_couple_happy_86773289.jpg" alt="Couple making money moves the moment they retire" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>You deserve a big pat on the back, a rousing rendition of <em>He's a Jolly Good Fellow</em>, and a fat slice of cake when you decide to retire. You should enjoy it, too, because it's not necessarily all perfect bliss from that day forward. Rather, you have to devise a plan to keep yourself fed, clothed, housed, and healthy until the day you die, and that prospect is perhaps more daunting than the 45 years of solid work you put in.</p> <p>To help you along the way without having to breathe into a brown paper bag for the rest of your life, here are a few suggestions on what to do with your money when you set a date to punch your final card.</p> <h2>1. Establish Your Income Goals and Needs</h2> <p>Money matters rarely work without a plan in place, and that's exactly what you'll need when you retire. In anticipation of this major life milestone and transition, you'll need to take a hard and honest look at your finances to see where you're at currently, and figure out where you want and need to be. That might mean cutting the proverbial fat from your current budget, or it might mean contributing to your savings at a higher, more rapid rate. Whatever the case, changes will need to be made to set yourself on the right track. Financial expert Steve Anzuoni, of Fairway Financial, details a few practical steps to achieve this.</p> <p>&quot;First establish your income goals and needs, and then list all your expenses and liabilities; then you need to make sure that your monthly recurring expenses are covered by guaranteed income, not potential income,&quot; he says. &quot;Once that is taken care of, it's then a matter of allocating monies to different 'buckets' to account for inflation, future income needs, emergencies, and fun/vacation money.&quot;</p> <p>That last piece of the puzzle is important. Retirees often plan based on their current needs in the current economy. To stay ahead of the curve, it's a good idea to think ahead and plan for those what-if scenarios that pop up from time to time and can, in a worst-case situation, decimate your finances. Inflation and emergencies in particular can bleed you dry if you're not prepared, and now's the time for that consideration.</p> <h2>2. Eliminate Your Consumer Debt</h2> <p>You want to be as financially prepared as possible when retiring, and that means freeing yourself from the grips of consumer debt. The last thing you want to worry about when you settle into retirement are credit card payments, so concentrate now on eliminating them altogether. If you have the extra cash on hand, pay them off. If not, look into ways to reduce the required monthly payments to make them more manageable with the goal of being payment-free by the time you say so long to your coworkers and colleagues. We cover a million and one ways to help <a href="http://www.wisebread.com/the-fastest-method-to-eliminate-credit-card-debt?utm_source=wisebread&amp;utm_medium=internal&amp;utm_campaign=article">pay off your debt</a> here at Wise Bread.</p> <h2>3. Manipulate Your Mortgage</h2> <p>Along with your consumer debt, you should try to pay off your mortgage &mdash; if you can swing it. This feat may not be feasible if you've recently purchased a home, but if you've lived at the same residence for the past 20 years or more, you might be able to meet this goal. Otherwise, find ways to reduce the mortgage to make it fit better into your new, tighter budget.</p> <p>&quot;Owning your home not only means a lot less money going out every month, it means a lot less worry should things get tight,&quot; says financial adviser Scott Hanson of Hanson McClain Advisors. &quot;Conversely, if you are unable to pay off your mortgage before you retire &mdash; even if you have as little as five to seven years remaining on the note &mdash; you might consider working with your lender to lower your interest rate and extend your loan out 15, 20, or even 30 years. Simply put, not only is cash-flow king, but why spend what are likely to be the healthiest years (of your retirement) struggling to pay down a mortgage at the expense of maintaining your pre-retirement standard of living? Money not going out is the same as money coming in.&quot;</p> <h2>4. Downsize Your Living Situation to Cut Costs</h2> <p>If you have more space than you realistically need, it's time to downsize. You can (hopefully) take the money from the sale of your home and purchase a new place that better suits your lifestyle, perhaps even in cash if you've tended well to your existing mortgage over the years and you're savvy about your new purchase.</p> <p>Financial planner Charlie Reading, author of the book <em>The Dream Retirement: How to Secure Your Money and Retire Happy</em>, agrees.</p> <p>&quot;If you have a house where the mortgage is paid off, an easy way to boost your retirement income is to move to a smaller or a cheaper house,&quot; he says. &quot;Releasing this equity and moving into a smaller home can provide you with valuable funds that you can use to generate an income. You also have the option of equity release here, however financially downsizing is likely to be a more astute choice if that is practical.&quot;</p> <h2>5. Relocate to a More Affordable Area</h2> <p>Along with downsizing your home, take some time to think about where you want to live and the associated cost of living in that area. If you live in an expensive area now, maybe it's a more sensible to move someplace where you'll get more bang for your limited bucks. Of course, you'll need to be happy wherever you move, so along with the financial factors you'll also want to consider your quality of life. Are there things to do to keep you occupied and social? Is transportation nearby? Is it relatively easy for family and friends to visit? Will you get fast and easy medical attention when you need it? These are all important questions to answer when contemplating a move to a new area.</p> <h2>6. Invest in a Rental Property to Earn Additional Income</h2> <p>I'm an investor in rental properties, and I wholly plan to use those properties to bring in additional income for savings and retirement for as long as the properties make money &mdash; and sense. If going this route is a legitimate option for you, I highly recommend it. Just beware of the hidden costs. If you manage the property yourself, like I do, all the income is yours (but don't forget to set aside a decent stash for taxes). If you require assistance, however, like from a management company, you could be looking at fees between 30% and 50% of your net income. There are more affordable options, like through the Evolve Vacation Rental Network, which charges the lowest fees in the industry at just 10%.</p> <p>Consider this anecdote: Jim and Laurel Whillock <a href="http://evolvevacationrental.hs-sites.com/case-study-kona?__hstc=235270366.eb7f97e450deb1291f24fe4d5e0ac9ed.1460397740307.1466114738612.1466171762596.19&amp;__hssc=235270366.1.1466171762596&amp;__hsfp=877489778">invested in a vacation property</a> on the Big Island of Hawaii as a way to earn income in retirement. They purchased a one-bedroom condo on the beach and hired a property manager, who charged a 43% fee, to help with the logistics and operation. During the first six months, the condo was occupied 35% of the time, earning the couple only $6,500. After switching to Evolve, in a 12-month period, the couple booked 260 nights generating rental income of $48,199, an increase of 242%.</p> <p>In any case, what I'm saying is, do your research before thrusting yourself into the rental-income market; there are other management options out there. The goal is to make money, not lose it &mdash; especially when finances are tighter during retirement.</p> <h2>7. Phase Your Retirement Over an Extended Period</h2> <p>Not ready to go all in for retirement? That's perfectly okay. There's no &quot;right&quot; way to retire, and if you need more time to ease into the transition, by all means take it.</p> <p>&quot;Go down to three days a week and enjoy the benefit of not taking your pension as early, and the growth that comes with it,&quot; Reading suggests. &quot;This doesn't have to be your current job &mdash; why not start working in a role you have a passion for, even if it doesn't pay you quite as much as your current one does? Who knows, maybe this will become your new purpose, and you won't ever want to stop.&quot;</p> <h2>8. Develop a Strategy for Medical Insurance</h2> <p>We're starting to enter into territory that nobody likes talking about, especially those nearing or at retirement age. But ensuring that you have proper medical coverage while also getting all your other end-of-life ducks in a row isn't something you can put aside or overlook. This is reality, however harsh it seems, and these items must be addressed &mdash; the earlier, the better.</p> <p>&quot;Because medical insurance can be very expensive, it may actually prevent you from being able to retire,&quot; Hanson warns. I strongly suggest you check into your options before retiring. If you can't afford to purchase medical insurance, you may be forced to find another job until you can apply for Medicare at age 65.&quot;</p> <h2>9. Re-evaluate Your Other Insurances for Optimal Protection</h2> <p>While you're assessing your medical insurance situation, it's a good idea to check in with your other insurance plans to make sure you have the kind of coverage you need at this stage, but also to see where you may be able to cut costs &mdash; though the latter should never affect your quality of life. Don't reduce coverage you'll need down the road just to save a few bucks in early retirement. To make the right decisions, you may want to enlist the help of an insurance adviser.</p> <p>&quot;[Insurance advisers] can advise on ways to adjust your insurance profile &mdash; around both your home and auto policies,&quot; says insurance expert Angi Orbann. &quot;They may be able to find cost savings and they will help you ensure that you are adequately protected as you move into the next phase of your life. An insurance adviser may not be the first person you think of when it comes to your money and retirement, so it's an important tip to remember.&quot;</p> <h2>10. Create a Last Will and Testament</h2> <p>Fact: 41% of Boomer Americans don't have a will, according to USA Today &mdash; and if you're among them, it can spell big trouble for your estate when you pass.</p> <p>Licensed funeral director Kelli Hoodman explains.</p> <p>&quot;Creating a will tells loved ones how one's property should be distributed after one passes away,&quot; she says. &quot;Depending on how complex one's estate is, one may want to contact an attorney or simply create a will online. Without a will, one's finances and property are distributed by the state, and they may not land in the hands the deceased would've wanted them to be in.&quot;</p> <p>Don't overlook the funeral planning, either. Your last will and testament isn't just about who gets what. It's also as much about where you'll go when you pass. You should have the final say in that while you're alive and kickin'.</p> <p>&quot;Expressing final wishes for funeral planning in a will is important, but it should not be the only place they are documented,&quot; Hoodman adds. &quot;Funeral planning is best done with a local funeral home or cremation society. Otherwise it may take time for a will to be found, and one's final wishes might not adhered to.&quot;</p> <h2>11. Preplan Your Funeral Services</h2> <p>It probably won't be your best day ever, but preplanning your funeral is not only therapeutic, says Hoodman, but it's also fiscally intelligent.</p> <p>Funeral costs rise each year, and a traditional funeral and burial today can cost over $10,000. Cremation, which has recently become America's preferred method of disposition, is far less expensive at only a couple thousand dollars, depending on which services are selected.</p> <p>&quot;No matter which choice one makes, inflation and other factors raise the price of cremation, burials, and funerals over time,&quot; Hoodman says. &quot;Companies like Neptune Society offer preplanning services that allow retirees to create a legal document that states one's wishes for memorials, cremation, and other matters concerning death care planning. Over the many decades a retiree may live, preplanning now could save them hundreds or thousands of dollars.&quot;</p> <h2>12. Designate a Power of Attorney</h2> <p>Lastly, if you want to be in control of your life &mdash; and afterlife &mdash; choose someone close to you whom you trust implicitly as your Power of Attorney.</p> <p>A Power of Attorney (POA or attorney-in-fact) makes decisions for a person when that person can no longer make decisions for themselves. For example, if a senior is diagnosed with Alzheimer's, an attorney-in-fact would be legally permitted to make financial and medical decisions in that senior's stead.</p> <p>&quot;Choosing someone trustworthy is crucial for this role,&quot; says Hoodman. &quot;A retiree should ensure that their POA knows their preferences on medical dilemmas, like whether or not to use life support, and their financial information to ensure their money is spent properly.&quot;</p> <p>You don't like being taken advantage of while you're alive, so it's important to ensure that you won't be taken advantage of in death, either.</p> <p><em>Have you made any money moves to prepare for retirement?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/12-money-moves-to-make-the-moment-you-decide-to-retire">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-11"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/15-personal-finance-calculators-everyone-should-use">15 Personal Finance Calculators Everyone Should Use</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-occasions-when-you-should-definitely-hire-a-financial-advisor">7 Occasions When You Should Definitely Hire a Financial Advisor</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-ways-to-strengthen-your-finances-before-retirement">5 Ways to Strengthen Your Finances Before Retirement</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/dont-let-poor-health-kill-your-retirement-fund">Don&#039;t Let Poor Health Kill Your Retirement Fund</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-money-moves-to-make-before-the-leaves-change">10 Money Moves to Make Before the Leaves Change</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Retirement aging debt downsizing estate planning goals investing medical care money moves mortgages relocating rental properties Tue, 09 Aug 2016 10:00:14 +0000 Mikey Rox 1768664 at http://www.wisebread.com Making Money From Clinical Trials: Worth the Risk? http://www.wisebread.com/making-money-from-clinical-trials-worth-the-risk <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/making-money-from-clinical-trials-worth-the-risk" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000015627360Small.jpg" alt="Woman having her blood pressure taken" title="Woman having her blood pressure taken" class="imagecache imagecache-250w" width="250" height="164" /></a> </div> </div> </div> <p>As a broke college student, the allure of a huge payday for a weekend of &quot;selling my body to science&quot; was all too appealing. My roommate and I saw an ad for a study that would pay $750 for participating over a weekend. We had all the time in the world, needed money, and figured it was a no-brainer, so we signed up.</p> <p>As it turns out, it was an early phase clinical trial for a migraine drug. In retrospect, I have my doubts whether the candidate ever made it to market, or at least at the dose we were subjected to. I was the lucky one &mdash; as I found out after the study, I received the placebo. My roommate got the good stuff. Shortly after an IV injection, he started to experience severe headaches, and then he threw up all over the place. This continued for some time and didn't subside until they dropped the dosing (which they administered every several hours). He was quite miserable. To make matters worse, we weren't allowed to talk to other people at the facility. They had some seemingly strange rules we never figured out. We joked that it was kind of like prison, but without the guards and shackles. We did have a PlayStation to pass the time, however, and it makes for some memorable conversation to this day. (See also: <a href="http://www.wisebread.com/9-ways-to-beat-a-killer-headache-with-stuff-you-have-around-the-house">9 Ways to Beat a Killer Headache</a>)</p> <h3>Is Making Money From a Clinical Trial Worth the Risk?</h3> <p>All clinical trials are different, and they shouldn't be condemned outright. First off, I work in biotech, and I'm fully aware that without human trials, we'd never see any innovative drugs introduced. Chances are, if you're reading this, you've been the beneficiary of some sort of medicine or cosmetic that underwent both animal and human testing.</p> <p>However, it's not something I'd recommend for my kids or other people looking to <a href="http://www.wisebread.com/5-money-making-activities-you-can-do-today">earn extra money</a>. Like most things in life, the greater the risk, the greater you'd expect the pay to be. If you're testing out a cosmetic or you're a food taster, chances are you're not going to make nearly what you would in a medical clinical trial, where you're likely subjecting yourself to more risk. While it's rare, people do experience seriously adverse events and even death during clinical trials.</p> <p>During the enrollment period, you'll be asked to review and sign various documents. Some good pointers in this month's <a href="http://www.consumerreports.org">Consumer Reports</a> print edition include ensuring that you retain the right to sue for adverse effects and the right to withdraw at any time. I hadn't really thought of these things when I participated, and in retrospect, if my roommate tried to go home, I wonder if they would have forcibly detained him?</p> <h3>How to Find Clinical Trials</h3> <p>The most widely used (and legitimate) resource for clinical trial recruitment is through the registry at <a href="http://www.clinicaltrials.gov">clinicaltrials.gov</a>. However, often you'll also hear radio spots or see newspaper advertisements recruiting as well. As I recall, we found out about the trial through a campus newspaper ad. Word of mouth is another means to learn more about what the actual conditions and experiences were at the facility from people who already participated. If possible, it's ideal to find out what company is overseeing the trial and learn a bit about the facility in advance.</p> <p>Personally, I don't see myself ever participating in a clinical trial again, but in the name of scientific progress, the medical community will always need volunteers and compensate them accordingly.</p> <p><em>Have you ever participated in a clinical trial?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/darwins-money">Darwins Money</a> of <a href="http://www.wisebread.com/making-money-from-clinical-trials-worth-the-risk">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-side-jobs-for-athletic-types">9 Side Jobs for Athletic Types</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/12-side-jobs-for-stay-at-home-moms-and-dads">12 Side Jobs for Stay-at-Home Moms and Dads</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-you-can-earn-18-to-25-an-hour-with-amazon-flex">How You Can Earn $18 to $25 an Hour With Amazon Flex</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-sell-your-hair-for-cash">How to Sell Your Hair for Cash</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-ways-to-turn-your-stress-into-money">8 Ways to Turn Your Stress Into Money</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Extra Income Health and Beauty drugs medical care part-time job testing Mon, 23 May 2011 10:24:20 +0000 Darwins Money 546184 at http://www.wisebread.com 5 Places to Check out Medical Care for the Uninsured http://www.wisebread.com/5-places-to-check-out-medical-care-for-the-uninsured <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-places-to-check-out-medical-care-for-the-uninsured" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/stethoscope_0.jpg" alt="stethoscope" title="stethoscope" class="imagecache imagecache-250w" width="250" height="125" /></a> </div> </div> </div> <p> <meta http-equiv="CONTENT-TYPE" content="text/html; charset=utf-8" /><br /> <title></title><br /> <meta name="GENERATOR" content="OpenOffice.org 3.0 (Win32)" /></p> <style type="text/css"> <!-- @page { margin: 0.79in } P { margin-bottom: 0.08in } --><!-- @page { margin: 0.79in } P { margin-bottom: 0.08in } --> </style></p> <p style="margin-bottom: 0in;">With job loss on the rise and many people who can not afford medical insurance on their own, yet don't qualify for state or federal assistance, there are many who will skip medical treatment to save money. Your health is certainly not something you can take likely.</p> <p style="margin-bottom: 0in;"><em><strong>Here are 5 places you can check out when you need medical help but don't have the insurance to cover it:</strong></em></p> <p style="margin-bottom: 0in;"><strong>Your Family Doctor</strong></p> <p style="margin-bottom: 0in;">Many individuals do not realize it but you can still see your family physician without insurance and be able to afford it. It may take some gumption but approach your doctor about a reduction in rates for services because you are willing to pay cash. Many doctors are happy to work with you because they will likely get more money and get it in a faster time period than when having to deal with insurance or Medicare.</p> <p style="margin-bottom: 0in;"><strong>Health Care Centers </strong></p> <p style="margin-bottom: 0in;">These are not the &ldquo;free clinics&rdquo; you might have in your community but there are health care centers regulated and sponsored by the federal government. These centers provide primary, preventative and dental services to people of all ages, based on a sliding payment scale. This means you pay for services based on how much income you make. Check out <a href="http://findahealthcenter.hrsa.gov/">findahealthcenter.hrsa.gov</a> to find a center in your area.</p> <p style="margin-bottom: 0in;"><strong>Planned Parenthood</strong></p> <p style="margin-bottom: 0in;">Because Planned Parenthood centers often receive state funding and public donations, the fees for services may be even lower than normal, but you will typically you'll be charged what you can afford, based on your income. Women can receive family planning services, plus other treatment and testing for STD's, pap tests, breast exams, and birth control for little or no cost. Be sure to call first to discuss your finances if you do not have insurance. You'll be able to get a ball park figure for how much it will cost prior to going to your appointment. <strong>**&nbsp;UPDATE: An astute reader pointed out that PP is not only for women and men are welcome to be sure their reproductive and overall health is on track.**</strong></p> <p style="margin-bottom: 0in;"><strong>Convenience Clinics</strong></p> <p style="margin-bottom: 0in;">These are the walk-in health centers located in major retail shopping chains such as pharmacies and Walmart. Typically, these clinics are staffed by RN practitioners and physician's assistants who can treat and prescribe medications for general colds, flu, and infections. They can also help treat and do preventative check-ups for conditions such as diabetes and high blood pressure. The costs will vary from clinic to clinic and depends on your illness or treatment plan. Some places will offer &ldquo;a la carte&rdquo; services and some will charge a &ldquo;flat-rate fee&rdquo; for services rendered.</p> <p style="margin-bottom: 0in;"><strong>Free Screenings</strong></p> <p style="margin-bottom: 0in;">Many community groups, civic organizations, and local hospitals will offer regular free clinics for specific screenings of disease such as cancer, diabetes, heart problems, high blood pressure, and other conditions. Check in your local news paper or group newsletter to see what is coming up in you area and take advantage of the free (or at least discounted) health services. Early detection of many diseases can certainly save your life.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/tisha-tolar">Tisha Tolar</a> of <a href="http://www.wisebread.com/5-places-to-check-out-medical-care-for-the-uninsured">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-money-moves-to-make-when-a-layoff-is-coming">10 Money Moves to Make When a Layoff Is Coming</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-go-from-two-incomes-to-one">How to Go From Two Incomes to One</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/is-your-emergency-fund-costing-you-money">Is Your Emergency Fund Costing You Money?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-an-hsa-saves-you-money">How an HSA Saves You Money</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/put-together-an-advance-directive-in-an-afternoon">Put Together an Advance Directive in an Afternoon</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance health care job loss medical care prescriptions uninsured Tue, 28 Apr 2009 01:45:11 +0000 Tisha Tolar 3091 at http://www.wisebread.com