Tags: saving money

How to Have A Successful Road Trip

Planning for a successful road trip

Summer is just around the corner and for many of us that means it’s time to plan our summer getaways. Road trips are the most popular method of travel in America, so you’ll be in good company when you hit the road this summer. Whether it’s a long weekend or a week away, here are a few things you should do to ensure a fun, safe and successful road trip. Before You Go Give your car a good once over. Are the tires good? Here’s how to check. When was... Read More

Weighing The Pros & Cons of an HSA — Health Savings Account

Weighing The Pros & Cons of an HSA -- Health Savings Account

Health savings accounts (HSA) are a growing trend in health care, but is one right for you? An HSA is a cost-effective option for many individuals and families, but it is not the best choice for everyone.   The Differentiators Comparing HSAs to traditional health plans can be difficult, as each has pros and cons. For example, traditional health plans typically have higher monthly premiums, a smaller deductible, and fixed copays and/or coinsurance. You pay less out-of-pocket due to the lower deductible and copay, but pay more each month in premium. HSA plans... Read More

5 Tips for Getting The Most Out Of Your HSA

5 Tips for Maximizing Your HSA

Health savings accounts (HSAs) are a great tool for helping manage your out-of-pocket health care expenses. If you have an HSA, you want to make sure you’re getting the most bang for your buck.  Here are five strategies that will help you get the most out of your HSA investment. Contribute as much as you can. HSAs are designed to offer triple tax benefits—meaning you put your money in tax-free, it gains interest tax-free and you can withdraw it tax-free for qualified medical expenses. In addition, many employers will contribute to an... Read More

10 Reasons You Want a Health Savings Account

10 Reasons You Want a Health Savings Account

With the soaring cost of health care, many consumers are turning to the health savings account (HSA) as a way to combat rising expenses. This financial option is quickly growing in popularity and has the potential to save you a significant amount of money. The HSA offers another alternative for controlling health care expenses. An HSA encourages the consumer to make healthier lifestyle choices, better health care-related financial decisions, and to invest and save money over time for future medical needs. Here are 10 reasons you want a Health Savings... Read More

How Are Life Insurance Premiums Calculated?

life insurance premiums

Have you ever wondered how your insurance company arrived at your premium payment amount? Does it seem like some mysterious formula that seems Greek to you? Is there anything you can do to reduce your premiums or are you just stuck with the amount they give you? Life Insurance premiums are calculated after looking at an individual’s health risk factors, such as tobacco use, cholesterol level, obesity, diabetes and family history. When applying for life insurance, the insurance company will determine your status based on your age, gender and overall... Read More

How to Save Money on Your Workers’ Compensation Insurance

How to Save Money on Your Workers’ Compensation Insurance

Workers’ Compensation Insurance can be one of the largest insurance expenses for small businesses—and it’s not an optional coverage. All businesses with employees must carry Work Comp Insurance. Just because it’s mandatory, though, doesn’t mean you can’t control your costs. There are many things you can do to help keep workplace injuries down and Work Comp costs under control. Here are three areas where you can make a difference and save money on your Workers’ Compensation Insurance. For more information about controlling Work Comp costs, give Roper Insurance a call today... Read More

Seven Easy Ways to Save Money on Life Insurance Policy

Seven Easy Ways to Save Money on Life Insurance Policy

Do you know you need life insurance but put off getting it because you think it’s too expensive? Would knowing there are things you can do to save money on life insurance help get you going? There are some very simple things you can do that will save you money on your life insurance premiums. Here are seven easy ways to save.   Buy Life Insurance Early Buying life insurance while you are young and relatively healthy will cost you much less in premiums than if you wait until you get... Read More

Four Types of Insurance Every College Student Should Consider

Four Types of Insurance Every College Student Should Consider

It’s that time of year when students across the country are getting ready to head to college. Whether you’re a brand-new freshman or a seasoned upper classman, you probably have a lengthy list of things to do and things to shop for before you go. Is insurance on your list? It should be. While it’s not usually an item found on your college’s what-to-pack list, here are four types of insurance every college student should consider before heading off to campus.   Health Insurance First, and probably most obvious, is health... Read More

Five Ways to Prevent Identity Theft

five ways to prevent identity theft

19 people fall victim to identity theft every minute. If there is a crime more frustrating than having to try and restore your identity, financial information and good name, I can’t think of one. Identity theft is the fastest growing crime in America, and costs the average victim about $500 and 30 hours to resolve each identity theft crime. With statistics like that, how can you minimize your risk and prevent identity theft? Here are five things you can do now to safeguard your personal information and your identity.   Monitor Your... Read More

13 More Ways to Reduce Healthcare Costs

13 More Ways to Reduce Healthcare Costs

Everyone wants to save money on their healthcare. Healthcare can be one of our biggest expenses in life. A while back we published 13 ways to reduce healthcare costs. Now we have 13 more ways you can reduce health costs.   Consider an HSA. Health Savings Accounts (HSAs) are growing in popularity. A high-deductible policy protects you from the cost of a catastrophic illness or prolonged hospitalization but leaves you paying for small and routine healthcare yourself. With an HSA, you control the savings account and use it for those... Read More