Posted 1 week 6 days ago by Philip Brewer
Nobody wants to be poor. It's a dangerous and constrained position to be in. But there are people out there (me, for instance) who are relatively happy to live at a fairly low standard of living. Choosing to live at a low standard of living means you don't need to earn as much money--which opens up a huge range of possibilities that ordinary people don't have. The way society is organized now, though, that's not a safe option.
Posted 6 weeks 2 days ago by Philip Brewer
Insurance is all about spreading the risk. A bunch of people buy insurance against the risk that a few of them will be the ones who get hit with a big bill that they couldn't pay. The model works fine for house fires and car crashes. However, it's a terrible model for ordinary, predictable expenses. Here's some tips on picking what to insure and what not to insure.
Posted 6 weeks 4 days ago by Jabulani Leffall
Get Travel Insurance before you go anywhere. Have and not need it. No really trust me.
Posted 9 weeks 1 day ago by Philip Brewer
There are a lot of budget templates out there. Any will serve the purpose, and if you've got one that's working for you, that's a good enough reason to stick with it. If you don't have a budget, though, or if you're going to be changing your budget categories around for some other reason, I've got some thoughts on what makes a good category.
Posted 17 weeks 5 days ago by Thursday Bram
It seems like, every other week, there is some natural disaster threatening people’s homes. Worrying about that sort of thing has lead me to be a little more prepared than I might be otherwise. I’ve got an emergency plan, I’ve backed up my hard drive, and my cats’ carrier is easily accessible. Now, I’m starting to focus on what might happen after a disaster. The key to starting over again seems to be knowing what you might need to replace. Insurers will insist on such a list, for instance. So, I’ve been developing my own home inventory.
Posted 33 weeks 4 days ago by Nora Dunn
Accidental Death And Dismemberment insurance. Wow – doesn’t that sound just lovely? I mean, at least Life insurance has a euphemistic name (they call it “Life” insurance, not “death” insurance, which is really a little more apt). Disability, Critical Illness, and Long Term Care, although accurate in name, aren’t quite as ugly in description. But Accidental Death & Dismemberment (thankfully rolling off the tongue easily by more commonly being known as AD&D) is just ugly, and in more ways than one.
Posted 37 weeks 1 day ago by Philip Brewer
A few years back, I got a tidy little lesson in exactly what collision coverage is. We'd had a car damaged in an accident, damaged pretty badly. So, it wasn't a surprise when the insurance company called and said they were going to total the car. Fortunately, we checked over the paperwork they sent.
Posted 40 weeks 11 hours ago by Linsey Knerl
Did you get an unexpected payment from your insurance company? Health insurance overpayments and mispayments make up for billions of dollars in wasted funds every year. And while the majority of the payments go directly from the insurance company to the medical provider (the doctor, hospital, ambulance service, etc.), there is still a large percentage of this money being paid to patients.
Posted 45 weeks 1 day ago by Philip Brewer
This is the perfect book for a Wise Bread reader. It covers just about everything we talk about here--life hacks, investing, frugality--and does it with insight and humor. (And not just a little humor. If you're at all interested in money, this book is hilarious.)
Posted 46 weeks 2 days ago by Linsey Knerl
We often protect our computers, TV’s, and sound systems with special power strips to protect against power surges. Most families I know go the extra mile to stain-protect their living room furniture against stains. Have you really stopped to consider investing in protection for the food in your fridge?
Posted 46 weeks 4 days ago by Nora Dunn
Cancer, heart disease, and stoke are the three big illnesses we suffer from these days. The irony is, due to medical technology we are more likely to live from these three than die! This is good, of course, no doubt about it. But we live…at what cost? Literally?
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| Posts | Cmts | |
|---|---|---|
| Andrea Dickson | 3 | 27 |
| Fred Lee | 2 | 17 |
| Julie Rains | 4 | 15 |
| Linsey Knerl | 10 | 34 |
| Margaret Garcia-Couoh | 2 | 6 |
| Myscha Theriault | 6 | 31 |
| Paul Michael | 4 | 8 |
| Philip Brewer | 10 | 53 |
| Thursday Bram | 2 | 2 |
| Will Chen | 4 | 4 |
| Xin Lu | 10 | 24 |
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