Money and You ::

Hey, I know you don’t want doom and gloom but one of us has to ask the hard questions. So, with the housing market in free fall and price inflation taking off, jobs are less secure. Now is the time to spend a few minutes thinking about what you would do if the unthinkable happened to you. The headline. If you’ve been wise with your money, you’ll probably survive. It’s a rerun of Aesop’s fable called The Ant and the Grasshopper. The grasshopper spends all summer singing whilst the ant toils to fill his home with food for the winter. When it gets cold, the grasshopper dies of hunger. This is a dramatic way of telling you it’s better to make save and preparations for the worst before the worst happens. If nothing happens, you’re actually better off all round.

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The magic letters stand for a Health Savings Account and this represents a different way of solving the health plan problem. In effect, the HSA is self-insurance with tax advantages, allowing you to pay immediate medical bills, save for the future and provide protection for when you retire. You start off with a High Deductible Health Plan (HDHP). Because of the high deductible, the premiums are usually significantly less than for a more conventional policy. The idea is you pay the money saved into the HSA. Why should you do this? Well, the supposed advantages are that you control the account. You decide how the money is to be spent. If you have a standard plan, you’re always waiting for the insurer to rule on whether to pay out on your claim. With an HSA, you no longer have to wait, you can authorize immediate payment. You also control how the money is invested. With a standard policy, you rely on the insurer to invest everyone’s premiums to make them grow.

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A lot of credit cards have the right of substantially raising rates in case one misses a payment, or commits any other financial fault.

Just lay on your cash loan or a mortgage. Pay off your electric bills. Transcend your credit limit. Permit rating of your credit to get lower of what the credit card company supposes an acceptable level or be considered to be bearing too much liability.

Instead of paying 9% on your debt, you all of a sudden are paying 28% or even more.

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Saya coba ah..

During this global recession we still have to pay some taxes. Somehow, it makes the situations become worse than ever. There is absolutely no improving of our salary, but the living costs are getting higher. Surely, the taxes give us more burdens that already feel so heavy without the taxes. Somehow, this situation pushes us to delay our taxes payments.

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