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My experience with alternative health insurance to Obamacare

A few months ago, I shared about how to survive without health insurance. To recap, I belong to a healthcare sharing ministry (HSM) called Christian Healthcare Ministries (CHM), just one of several ministries that are ACA-approved alternatives to health insurance. But I also want to share about my experiences with alternative health insurance to Obamacare.

What we belong to is not healthcare insurance; therefore, we don’t pay a premium (although we pay a “gift” each month or what amounts to a deductible, except it’s called a “personal responsibilty”). We chose this option because neither my husband nor I have access to an employer-sponsored plan. The most important consideration for us was cost, followed by coverage options. We opted for the most expensive level, which means that we have a $500 personal responsibility for each medical event that each of our family members experience on an annual basis.

Family of Five Pays $450 per Month for Health Insurance

At the time of the previous article, I was the only member of my family to belong, and I paid $150 per month. Now our entire family of five belongs for $450 per month. Even if our family size were to double, that is the maximum monthly contribution we’d have to make.

Is It Worth Using a Mortgage Lender Now for the Promise of Waived Fees in the Future?

These days, mortgage rates aren’t as cheap as they used to be. And that is the understatement of the century. The 30-year fixed is currently priced around 7%, more than double the ~3% rate offered in early 2022. That has mortgage lenders scrambling to separate themselves from the crowd amid a shrinking pool of eligible… Read More »Is It Worth Using a Mortgage Lender Now for the Promise of Waived Fees in the Future?

The post Is It Worth Using a Mortgage Lender Now for the Promise of Waived Fees in the Future? appeared first on The Truth About Mortgage.

Amazon Delivered to the Wrong Address? Here’s What to Do

Have you ever had your Amazon package delivered to the wrong address? Unfortunately, it happens. While it is not a common problem,…

Read More… Amazon Delivered to the Wrong Address? Here’s What to Do

Kitchen Magic: 5 Must-Have Features

The kitchen is the heart of the home. It’s where you prepare meals for your family, and where you all come together to share those…

The post Kitchen Magic: 5 Must-Have Features first appeared on Century 21®.

How to Thrift Shop for Vintage Concert T-Shirts

Were you a Supertramp super-fan? A Green Day groupie? Check your closets. It might be time to cash in on those old concert T-shirts.

Getting Rich with Science

An angry man by the name of Jared stopped by the blog the other day and left this beauty of a comment on my old A/C article:   Now, my first inclination was probably the same as yours – a deep sigh as you pull on the 20 ounce XL bloxing gloves and prepare to Deliver […]

Home Prices Are Soaring in This City You’ve Never Heard Of

Several housing markets are bucking the trend of cooling prices, a new analysis shows.

How to Double $10k Quickly

Looking to double your money quickly? Check out our list of ways to invest $10k and make some serious profits!Looking to double your money quickly? Check out our list of ways to invest $10k and make some serious profits!

The post How to Double $10k Quickly appeared first on Money Under 30.

How to evaluate mutual funds to boost your returns

I’m a bit of a nut about Christmas; I even have a daughter named Noelle. So this time of year can be a bit of downer for me. The tree gets disassembled, the Bing Crosby CDs get packed away, and the holiday cards stop coming. Regarding that last one, however, the void in my mailbox will soon be filled by a different type of tiding — in the form of annual statements from my investment accounts.

OK, so they’re not as jolly as cards with pictures of friends and relatives. But using your year-end statements to give your portfolio a thorough checkup can pay off, especially if you discover ways to increase your chances at higher returns. To see the potential benefit, check out this table, which shows how much $10,000 could amount to, given different rates of return and time periods. As you can see, earning another two percentage points a year can add thousands of dollars to your net worth.

Annual Return 5 years 10 years 15 years 20 years
6% $13,382 $17,908 $23,966 $32,071
8% $14,693 $21,589 $31,722 $46,696
10% $16,105 $25,937 $41,772 $67,275

Alas, you can’t just snap your fingers and pump up your returns. Most investments involve taking on risk, which many people think of as volatility — the ups and downs you’ll experience — but I prefer to think of it as uncertainty, as in you generally don’t know exactly how an investment will perform, which can make things like retirement planning a bit of a challenge.

Can Free and Clear Homeowners Save the Housing Market?

The housing market is in trouble. The latest blow being mortgage rates returning to 7%. But the ongoing issue has been a severe lack of inventory, which differs greatly from conditions around the time of the Great Recession. And the higher mortgage rates go, the worse the inventory situation gets. This is because existing homeowners… Read More »Can Free and Clear Homeowners Save the Housing Market?

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