It's Time to Review Your Health Insurance Coverage

November 2014

Whether you have health insurance through your employer, through a health exchange, or through Medicare, you have an opportunity to review and make changes to your health care coverage during November and December. No matter how you receive your health insurance, you should take this opportunity to review your current coverage and determine if it still meets your needs for the coming year.

Start by determining what your out-of-pocket costs were for this year. Then project what your expect your expenses to be next year. Will they be similar or have there been changes in your family’s health that could increase or decrease expenses? Do you want to keep your doctors or are you willing to change? Do you have other criteria that a plan must meet? Use this information to determine if your current plan meets your needs or if another plan would be better.

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Digital Wallets: Apple Pay Joins the Crowded Field

Digital wallets have recently been in the news with the launch of Apple Pay. Digital wallets in one form or another have been around for several years. Apple Pay joins other wallets such as Google Wallet, Softcard, LoopPay, and PayPal. Digital wallets allow you to make mobile and online payments. Most wallets allow you to store credit and debit card information. Some wallets store loyalty/rewards cards, membership cards, insurance cards, coupons, receipts, tickets, and even your ID. Others allow you to make other types of payments and pay bills.

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From Guacamole to Gas: Really Useful Websites

useful_websitesI often browse financial and consumer-related websites and have found that by clicking through these websites (and the additional info links that they offer), one comes across a lot of useful and/or fun websites. (A lot of silly/useless/ridiculous ones, too, but let's not waste time on those!)

Whether you're out of money, out of time, or out of gas, these websites can help you and even protect your privacy.

One big warning: remember that all advertising—on these sites or on others—only gives you the good side of the story and most ads attempt to get you to make impulse purchases. So, forget the ads on these sites and dig into the hard info.

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Brain Food

November 2014

This month we highlight podcasts about secrets to saving at the supermarket, saving on groceries without coupons, and saving money on cable from Kiplinger.com.

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Ask Liz Weston

Q&A: Inheriting Credit Card Debt from a Spouse

Dear Liz:You've answered a number of questions regarding

Web Links

November 2014

Can cutting the cable cord really save you money?
This article from Consumer Reports describes why cutting the cord might not save you money.

Be smart about