Money Tips Network

Long-term care is expensive and frightening to think about. But that doesn’t make long-term care insurance the right way to deal with it.

Melinda Kibler, a certified financial planner with Palisades Hudson Financial Group in Fort Lauderdale, Fla., has one thought on the matter: “Don’t buy long-term care insurance.”

Kibler notes that long-term care is a big financial risk, but that long-term care insurance premiums may only increase in retirement. Unlike insurance designed to protect your home in case of a fire or your car in case of an accident, Kibler points out that long-term care insurance covers medical costs that are almost inevitable.

Searching for cheap flights is an arduous and time-consuming task that can wear down even the most committed bargain hunters. Searching across dozens of booking sites comparing numerous deals can be confusing.

Many households these days have two incomes. The thing is, it's not uncommon for those two income streams to come from the same person.

If you're in that boat — working two jobs that eat up most (or all) of your time — you could be headed for burnout.

Sometimes you need to be startled into action when it comes to investing. It's easy to come up with excuses not to begin placing money in the markets and saving for retirement.

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So, it’s not a secret to anyone who reads The Simple Dollar that I carry around a pocket notebook and a pen with me most of the time. I use it to jot down little thoughts or things that I want to remember and then, each evening, I go through it and follow up on those thoughts and things.

One thing I often do is write down little frugal things I’ve been doing lately, things that I’ve tried that have worked out but aren’t really big enough on their own to write a post about. I save them and then, every once in a while, I go through that list and turn it into a post of little money saving actions I’ve been doing lately.

This is the latest batch of those items, 16 in number. I may have mentioned some of these before – maybe not. All of these are things that I’ve found useful in my life in the last few months as a way to easily save some money.

In 1935, the influential British philosopher Bertrand Russell wrote an essay titled “In Praise of Idleness.” In it, he extolled the virtues of relaxation and leisure even in the face of withering pressure to push your body and mind to their limits.

Russell proclaimed that working four hours per day is not only feasible economically, but that it would “guarantee happiness and joy of life, instead of frayed nerves, weariness, and dyspepsia.”

While I can’t speak to his claim about excess work causing dyspepsia (indigestion), the bulk of his thesis rings true. It’s time we start embracing the notion that idleness can spark creativity, improve efficiency, and even boost our health.

Lawyers have a bad reputation in this country. And while hiring a lawyer can certainly be expensive, it doesn't mean they aren't a worthwhile investment. To be sure, most legal professionals get into the business to see that justice is done and people get the representation they need.

If there are certain stores, brands, or products that you really like or use often, it makes sense to sign up for their loyalty program.