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Personal Finance Information

Money Saving Tips. Maximize Savings on Everyday Items!


Frugal living is more than a lifestyle. It's a passion.

Top 10+ Ways to Jumpstart your New Year's Finances!


Of course, these don't have to be done in any particular order! Just pick one or two that particularly apply to your situation. * Create your 2005 filing system.

Budgeting your Savings - Did You Let Your Piggy Bank Get Away?


I think most of us have at some point in our lives. Some how we forget to feed the little piggy.

Budget Planning - Its Elementary My Dear Watson


Does it feel like you have to be Sherlock Holmes to solve the mystery behind balancing your personal budget? Are you living a mysterious thriller where your realization of "financial independence and security" is a vicious repeating cycle of debt? Don't be afraid?..

Save Money on your Clothing Budget. Tame the Closet Monster!


Reducing the clothing budget was a serious challenge for me. Two pre-teen girls and a teenage girl certainly didn't make life any easier.

More Money? My Cup Runneth Over...But Im Still Thirsty


Most of us, especially those of us who have debtor's disease (if you have it you know what it is!), have commented or at least thought, "If I could just win the lottery, or sweepstakes, everything would be better." Unfortunately, even if that big dream did come true things probably would get worse instead of better.

How to Draw a Personal Budget that Works


Many people spend their little income haphazardly without any planning and end up getting broke before month-end. They then borrow to make ends meet and end up with more problems that they fail to repay their debts promptly.

5 Ways to Absolutely Destroy Your Finances!


Ben Stein has a book called How to Ruin Your Finances. To be honest, I'm not sure an entire book is needed on the subject-there are some fairly quick and easy ways to accomplish the task.

A Fresh Start for Family Finances in 2005


While 40% to 50% of us make New Year's resolutions on January 1-a ritual that has existed since ancient times-approximately 60% to 80% of us have already broken them by the end of February, according to researchers.It's still not too late, however, to reset the trajectory on your family's finances, experts note.

Money Matters: Strengthen Your Marriage by Putting Finances in Order


Did you know that 43% of all married couples argue over money issues, making it the major reason couples fight? If you and your spouse handle money differently, now is the time to talk, establish expectations, and draw up a financial plan.Money is a very big part of a marriage.

Organizing Your Finances - Thinking Outside the (Shoe) Box


If you're like most people, your personal financial records are most probably kept in less than "Good Accounting Practices" standards. For example, stashing old ATM receipts and hanging on to a stub showing what you paid for a pack of mints two years ago (cash, of course), might be filed with your paycheck stubs, credit card statements - paid and unpaid alike - as well as a few tax forms, a stray paper clip and a penny.

Kundalini Lessons - Money


I've been going through and interesting growth period lately that I thought I'd share, as some of the lessons were pretty profound (at least for me).I've written before about my awakening and the joys and tribulations since, and I've also mentioned that it's an ongoing process which, as far as I can tell, doesn't really end til you shuffle off this mortal coil.

Know Thy Finances


The first step to financial success lies in knowing your financial situation at any given time. There is an anecdote attributed to John D.

The Wright Place - Finances


Women have a love/hate relationship with money. Most of us do not enjoy dealing with it, yet we know not having finances under control will cause our entire family to suffer.

Whats The Truth Behind Your Finances?


Between 15 - 20% of people in our country (UK) own there own businesses. This statistic is on the rise thanks to the incredible invention of the Internet.

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Tuition for college and advanced education has increased significantly over the past several years. Any student or family who has or had student loans is well aware of this. For many there may be some relief coming to make repaying the student loans less burdensome. However, the situation may be different for students studying in medical, dental, and doctoral nursing schools.

Tuition for college and advanced education has increased significantly over the past several years. Any student or family who has or had student loans is well aware of this. For many there may be some relief coming to make repaying the student loans less burdensome. However, the situation may be different for students studying in medical, dental, and doctoral nursing schools.

Source: 
Ramona Bates MD

New approach shows how to solve the health care crisis. Patients can consult with doctors over the telephone, reducing costs of health care and freeing more money and resources to improve health care for more demanding issues requiring one-on-one approach.

With rising healthcare costs and longer waiting room delays, a visit to the doctor is becoming increasingly expensive, inconvenient, and unpleasant. Pair this trend with the fact that 70% of doctor visits are informational and many patients may begin to wonder if there isn’t a better, easier, way to receive medical care.

Source: 
Darren Berkovitz - Doctors On Demand

HHS Secretary Kathleen Sebelius today released a new report -- Hidden Costs of Health Care: Why Americans are Paying More but Getting Less.

HHS Secretary Kathleen Sebelius today released a new report -- Hidden Costs of Health Care: Why Americans are Paying More but Getting Less. The report documents the rising cost of deductibles, co-payments and out-of-pocket expenses that are making it more difficult for families with insurance to receive the health care they need, and is available at www.HealthReform.gov.

Source: 
U.S. Department Of Health & Human Services

The Crown’s Right of Recovery Act, Bill 48, which would enhance Alberta’s ability to recover health costs resulting from wrongful acts or omissions, was introduced in the Legislature on May 11.

The Crown’s Right of Recovery Act, Bill 48, which would enhance Alberta’s ability to recover costs resulting from wrongful acts or omissions, was introduced in the Legislature on May 11.

“Albertans should not be responsible for health costs caused by the wrongful acts or omissions of others,” said Health and Wellness Minister Ron Liepert. “If passed, this legislation will help us recover these costs, which will benefit Albertans.”

Source: 
Alberta Health And Wellness

A first poll ever has found that Americans place highest value on access to care when it comes to making decisions about spending money on healthcare, placing health products and services lower on the list. Access to health care was ranked significantly higher than all other health products, including preventive services and mental health.

A first poll ever has found that Americans place highest value on access to care when it comes to making decisions about spending money on healthcare, placing health products and services lower on the list. Access to health care was ranked significantly higher than all other health products, including preventive services and mental health.

Source: 
Kathleen Blanchard RN

Survey of more than 420 hospitals show major medical spending cuts already being achieved, reducing cost per each discharged patient by several hundred dollars.

s federal policy makers look for new ways to squeeze more out of every dollar spent on health care, one of the best solutions is already at hand: “group purchasing organizations” (GPOs). That’s according to a major new report to be released during a live, national phone-based news conference (with full Q&A) at 1 p.m. EDT on April 29, 2009.

Source: 
The Health Industry Group Purchasing Association

As more people loss their jobs, the community health centers are becoming more important in providing care. At the end of March, the U.S. Department of Health and Human Services (HHS) announced the release of $338 million to expand the services offered by these community health centers.

As more people loss their jobs, the community health centers are becoming more important in providing care. At the end of March, the U.S. Department of Health and Human Services (HHS) announced the release of $338 million to expand the services offered by these community health centers.

Source: 
Ramona Bates MD

Manitobans will no longer pay ‘tray fees’ out of their own pockets for common procedures provided in doctors’ offices such as getting stitches or having a cyst removed.

Manitobans will no longer pay ‘tray fees’ out of their own pockets for common procedures provided in doctors’ offices such as getting stitches or having a cyst removed, Health Minister Theresa Oswald announced today.

“In partnership with the province’s physicians, we are eliminating dozens of tray fees that many Manitobans were routinely required to pay following a procedure at a doctor’s office,” Oswald said.

Source: 
Manitoba Health

Stress could make our financial troubles even worse. It is not surprising that as our economy continues its freefall, we are feeling increasingly more stressed and worried.

It is not surprising that as our economy continues its freefall, we are feeling increasingly more stressed and worried. Many of us are feeling extreme unease about the security of our jobs and being able to make our next mortgage payment. However, according to a new report in Psychological Science, a journal of the Association for Psychological Science, stress could make our financial troubles even worse.

Source: 
Association Of Psychological Science

CMS grants will support those Community Health Centers that care for people without health insurance coverage and will support up to 6,400 jobs.

CMS grants will support those Community Health Centers that care for people without health insurance coverage and will support up to 6,400 jobs.

The U.S. Department of Health and Human Services (HHS) today announced the release of $338 million to expand services offered at the nation's community health centers. The money was made available by the American Recovery and Reinvestment Act and comes as more Americans join the ranks of the uninsured.

Source: 
CMS HHS

As money and budgeting are tight the local health departments are forced to reduce health care services for the undocumented immigrants who are also without health insurance coverage.

As money and budgeting are tight the local health departments are forced to reduce health care services for the undocumented immigrants who are also without health insurance coverage.

Source: 
Kaisernetwork.org

Fighting poverty is the best medicine money can buy for about 14,000 Lambton County residents.

Fighting poverty is the best medicine money can buy for about 14,000 Lambton County residents.

The Association of Local Public Health Agencies (alPHa) and the 25 in 5 Network for Poverty Reduction is supporting this philosophy with a province-wide campaign, urging the government to put food in the budget.

Locally, nearly 11% of Lambton’s 128,000 residents experience poverty, of which 77% are families with children. Recent economic problems have increased the numbers, and further impact a family’s ability to afford basic healthy food.

Source: 
Lambton County Community Health Services Department

From 1st April changes will be made to prescription charges and some dental treatments in England. The value of optical vouchers will also increase by an overall 2 per cent.

From 1st April changes will be made to prescription charges and some dental treatments in England. The value of optical vouchers will also increase by an overall 2 per cent.

The prescription charge exemption for people being treated for cancer, the effects of cancer, or the effects of cancer treatment also comes into force from 1st April. This new scheme will benefit up to 150,000 people already diagnosed with cancer, who might otherwise pay around ?100 a year in prescription charges.

The following changes will come into effect on 1st April:

Optical

Source: 
Government News Network

President Barack Obama is showing his commitment to health care reform with the launch of a health care reform website, http://healthreform.gov. Launched on March 5, 2009 healthreform.gov is an official government website maintained by the U.S. Department of Health and Human Services. The unveiling of this new website coincides with a comprehensive conference the President and the White held on health care reform.

President Barack Obama is showing his commitment to health care reform with the launch of a health care reform website, http://healthreform.gov. Launched on March 5, 2009 healthreform.gov is an official government website maintained by the U.S. Department of Health and Human Services. The unveiling of this new website coincides with a comprehensive conference the President and the White held on health care reform.

Source: 
Elaine A Moore

Pieces of the health care portion of the Obama budget are leaking out. Based upon published reports, the Obama “down payment on health care reform” will include:

Pieces of the health care portion of the Obama budget are leaking out. Based upon published reports, the Obama “down payment on health care reform” will include:

  • $634 billion to help pay for health care reform over the next ten years.
  • $318 billion of that—about half—will come from tax increases that include reducing the mortgage and charity deduction for high income Americans.
  • Charging wealthier seniors more for the Medicare Part D drug benefit—as is done for Medicare Part B now.
  • Cutting Medicare HMO payments by $175 billion over ten years.
Source: 
Robert Laszweski

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