You certainly don’t need me to tell you that the healthcare industry is a mess in America. The costs continue to rise and there doesn’t seem to be anything that the average American worker can do about it.
For those of you who get health insurance benefits from your employer, the cost of health insurance is something you complain about when you see your check stub. But for those of us who are self employed, we wish we had it as good as you do. Our employer doesn’t pay for part of our health insurance, because we do not have an employer. Those who are self employed must pay health insurance all on their own and pay a pretty penny for it.
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By now, we all have at least heard of Groupon and LivingSocial and are probably subscribers to both. These sites are two of the largest in the business of offering group discounts of usually more than 50% to local events, attractions, services, and products. These sites use your location and offer you savings, using group buying power, on everything from cupcakes and spa treatments to dinner cruises and everything in between.
The daily deals don’t stop there, though slightly lesser known, there are sites out there that can offer you the same great savings, if not more. Don’t discount these discount underdogs. All of them offer the same basic service of giving you discounted prices at considerably reduced rates thanks to group buying. Still, each of these smaller companies has something unique to offer.
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There’s a wide variety of factors that determines what your car insurance rates are. Some of which are completely out of your control. Car insurance rates are based on the risk that you present to the car insurance company. To get the lowest rate, you’ll need to be as risk-free as possible. Here’s a list of some of the most common factors that affect how much you pay for your auto insurance.
- Driving record. If you’ve had recent accidents or driving violations (within the last few years) expect to pay a higher rate.
- Experience. The longer you’ve been driving the less risk you present, thus the lower your auto insurance premiums.
- Gender. Males will typically pay more than women. This is more true for younger drivers.
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Online shopping is as popular as ever. Americans now spend billions of dollars every year on online purchases. One of the ways you can save money when shopping online is by buying items when they are on sale. But you can save money when you’re shopping online in other ways. Here are several tips to help you make the most out of your online purchases.
Think It Through
When you’re shopping online, it can be easy to make impulse purchases. Retailers make the process seamless. With just a few clicks of your mouse you can add an item to your cart and check out in no time. Don’t fall for their trap though. Before you buy anything online, think about it first. Do you really need this item? Can you find it cheaper elsewhere? Sleep on this decision because you might not want it as bad tomorrow.
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With the holidays rapidly approaching you’re undoubtedly looking for just the right present for your friends and relatives. If you can’t figure out what to give, a gift card is always a safe option. While you may have heard bad things about gift cards in the past, things in the gift card game are changing. These changes are making gifting and receiving gift cards a more pleasant experience. Here are some things you should know about gift cards.
You Can Sell Your Gift Cards
There is a whole new market that has been created the last few years. It involves people selling their gift cards for cash. Sure you won’t receive the full amount left on the card, but it’s a neat way to get some value out of them. Other users can then purchase your gift card at a discounted price.
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Most of us are looking for ways to cut our expenses and save money. At the same time, most of us have a daily commute. Whether we work in an office or a classroom, and regardless of whether it takes us 15 or 45 minutes to get there, chances are that a distance needs to be traveled every morning to get from our home to our place of employment.
Since it is a trip we make twice every day, the money we spend towards our commute adds up quickly, meaning that by reducing those costs there is a tremendous potential for savings. But we don’t want our commute to be overly long or inconvenient. How can we balance these two concerns? Below is a cost estimate of different forms of commuting, coupled with some considerations that you will probably need to take into account. For the purposes of this article, we are assuming a commute of 5-10 miles and a person who lives and works in a metropolitan area.
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If you are taking a vacation you may be wondering how you will get around to each destination. You may consider renting a car or hiring a cab to travel, but which is more affordable?
Benefits of Renting a Cab
People often choose to rent a car when they want to tour a destination or enjoy a night out at their own pace. For a single price, the car is theirs for a specified period, no matter how far they drive, so price is not a deciding factor. If you do not like to be rushed from place to place, or you decide you want to make a detour and stop at other destinations along the way, renting a car is the right way to go.
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Everyone wants a new car. Perhaps it’s because of the new car smell. Maybe it’s to show off. It could be because it’s easier. But it’s not the right choice. Buying a used car is better than buying a new car and I’m going to tell you why.
- Depreciation. The moment you drive a car off the lot it has lost at least a thousand dollars. The first couple of years a car will lose many more thousands of dollars. Yes, the car will continue to drop in price throughout the years, but never as much as the first couple of years. Therefore, buy a car that is at least 2 years old to soften the blow.
- Sales tax. When you go buy a new car, the sticker price on a car isn’t your total. You’ll have to pay sales tax in addition to that. This means your total could balloon up several thousand dollars more.
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Part of the Ethernity
