Carson Danfield's Articles in Finance - Article Wisdom, the Article Database

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Common Life Insurance Traps and How to Avoid Them Beware these common traps made with life insurance that can reduce its value to your family ... or leave you paying a bundle to the IRS. Answers About the Medicare Drug Plan The new Medicare drug program, known as Part D, has resulted in much confusion about rules, benefits and costs. Your Legal Rights If You Become Seriously Ill If you or someone you love is diagnosed with a serious ailment, such as cancer, heart failure or some other chronic or life-threatening disease, it's easy to become so consumed with the reality of a medical condition that you overlook important legal issues that may arise. What To Do If You Lose Your Health Insurance An average day in a hospital costs about $2,000. The typical cholesterol-lowering drug can cost about $100 a month. It's no wonder that we value our health insurance so highly. Traps in Medicare's New Drug Benefit Program Medicare Part D, Medicare's new drug benefit program, is 'extremely confusing. Traps to avoid… The Disability Insurance Trap One out of every four Americans will miss at least 90 consecutive days of work because of an injury or sickness between the ages of 35 and 65. Disability insurance can help prevent such medical disasters from becoming financial disasters. Term vs. Whole Life Insurance Many people are confused about the differences between these types of life insurance policies. Shrewd Strategies For Saving Big on Long-Term-Care Insurance The average annual cost of nursing home care is about $74,000, yet only 10% of Americans age 65 and above have long-term-care (LTC) insurance to cover this big expense. How to find an affordable Policy... Overcoming Big Insurer Excuses for Not Paying Claims To combat fraud, many insurance companies are getting tougher on claims submitted by consumers. Long Term Care and the Tricky New Medicaid Rules The new law makes it much more difficult to protect a family's wealth while having the government pay long-term nursing home costs for a family member through Medicaid. What you need to know... Life Insurance to Meet Your Very Specific Needs When most people set out to buy life insurance, they choose either a term or cash-value policy. But policy choices and strategies are much, much more diverse today. Here are some strategies to consider.. Specialty Insurance - Is It Worth Having? Insurance marketers become creative geniuses when it comes to thinking up policies to pitch to consumers. Here is the lowdown on some newer types - and if they are worthwhile... Insurance Companies Want You Dead! Think about all the medical advances that have been made in the last 50 or so years. We've developed new medicines and advanced surgical procedures. We've eliminated or greatly reduced many illnesses and diseases. And due to studies and research into aging, many Americans have been educated about unhealthy habits and activities. They've listened and changed. Informed Americans are now exercising more and are eating healthy diets. How To Save On Homeonwers Insurance Don't confuse the market value of your house with rebuilding costs. Hold Down the Cost of Auto Insurance The cost of insuring a car rose by 44% between 1987 and 1994. Premiums in some states have soared by more than 75%. Rates for insuring those big, bold sport utility vehicles - that are dangerous to others and themselves - are expected to rise even higher. Five Common Myths About Life Insurance The majority of American households do have some variety of life insurance. But some of us understand how to get the most out of it. Five of the most damaging myths that lead to costly life insurance mistakes... Find Affordable Health Insurance If you don't have health insurance, because of a layoff or other change in work, a divorce or a preexisting medical conditioned, don't give up. Efforts to expand health insurance coverage reportedly are becoming quite common. Proposals have been introduced in many states, and Illinois has approved, a plan to offer low-cost health insurance to children that began July 1, 2006. Easy Ways To Cut Car Insurance Costs In most states, the law requires you to have auto insurance. How Can Finances Affect Aging? Surprising enough there are several ways that being financial stable can help with your aging. Need Student Loan Consolidation? If you're buried under a mountain of debt because of your student loans and you spend so much on your monthly payments that it interferes with your ability to pay your other bills or have any money left for entertainment, then you should seriously think about consolidating your student loans. There are many benefits to consolidating your student loans, and it could help you to gain control of your financial situation and make life a little easier, at least in regards to your personal budget. Student Loan Debt Consolidation There's no getting around that fact that if you took out student loans, you'll have to pay them back. This might turn out to be a difficult thing to do if you're still in school, or when you start a family, or even years down the road if you happen to lose your job. Best Rates for Student Loan Consolidation Student loan consolidation interest rates are very competitive and vary considerably from lender to lender. Loans for student consolidations can be obtained from the government, and also through private lenders. There are quite a few choices when it comes to picking your lender and type of consolidation loan, so it definitely pays to shop around. Student Loan Consolidation Rates Are you career minded and want to further your education, but you don't have the funds available? Do you have a million dollar itch, but you can only scrape up $40 to scratch it with? Thanks to the many different types of student loans that are available, you can get the money you need for college. The only trouble is that when you're finished with your education, you're left with a bunch of loans to pay off. Direct Student Loan Consolidation Student loans are like a double edge sword - without the loans you wouldn't be able to get your college education and degree - but with the loans, you're often saddled with a huge mountain of debt right as you are starting out with a new career. That doesn't leave much money left over from the new job you got your degree for! Is Student Loan Consolidation For You? You finally made it through college! That's great, but did you end up with a mountain of debt in the form of student loans? If so, you're not alone. With the high cost of continuing education, more and more people are having to finance that education with the help of student loans. Luckily the programs exist, but unfortunately, you can be left deeply in debt before you even start on your new career. One thing that might help you is to consolidate all your student loans so that you'll only have Student Loan Consolidation Student loan consolidation is a really great idea to trim down your monthly cost of attending college. We all understand that attending college is vitally important. So many of us, even once married, will still continue with college in order to finish our higher education. This is true because you'll have a much better future when you have a college degree, and it's true no matter where you live.

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