Last time I gave an overview of long-term care (LTC) insurance. That post covered basics like what is LTC insurance, how likely is it that you'll need it, and what are the costs on both sides (cost of care and cost of the insurance). This time we're going to focus on who might need LTC insurance, the issues to consider, my thoughts, and what we're doing. Let's get … [Read more...]
Long-Term Care Insurance Overview
Every now and then someone asks me to write a post about long-term care (LTC) insurance. In addition, the topic comes up now and then in a post I write. I have been reluctant to get into it because many readers find insurance to be one of the least-interesting personal finance topics (I can tell in my site's numbers every time I write about it). That said, it's an … [Read more...]
How to Get Free or Low-Cost Health Insurance in Retirement Even if You Have a High Net Worth
With open enrollment right around the corner, I've been thinking quite a bit about health insurance. And since I get a TON of questions on the issue, I know many of you are thinking of it too. That's why I've already posted ideas on how to save money on medical costs. It's also the reason for this post, which discusses how people can get low-cost or even free health … [Read more...]
Medi-Share Review
Welcome to this special Saturday publication of ESI Money. I know that many Americans are considering their healthcare choices at this time of year, so I wanted to get this out to you as soon as possible. As I noted in an earlier post, I want to offer financial solutions that I believe could benefit my readers. This is one of them. I know finding affordable health … [Read more...]
How to Maximize Your Auto Insurance Settlement
It's been over a year since my wife had her car accident. The process is finally over and we've learned some things along the way. So I thought I'd share some takeaways with you. I'm also hopeful that readers in the legal and insurance professions might chime in with their thoughts, suggestions, and so forth. Car Insurance Dealings To catch everyone up on the situation, … [Read more...]
Picking the Right Early Retirement Health Insurance: Samaritan Ministries Delivers
Summary: This post tells how Samaritan Ministries' health sharing ministry has performed for us as early retirement health insurance. To catch everyone up on this series, in part one I talked about the health insurance options we considered as part of early retirement. In part two I discussed why we selected Samaritan Ministries for our health insurance. In this last … [Read more...]
Picking the Right Early Retirement Health Insurance: Selecting a Winner
Summary: This post tells which health insurance option we selected for early retirement and why. In part one of this series I listed the various health insurance options we considered to cover us during early retirement. In this part I'll tell you which one we selected and why. And there's a suspenseful ending, so be sure to read all the way through. ;) Early … [Read more...]
Picking the Right Early Retirement Health Insurance: Reviewing the Options
Summary: This post gives thoughts and suggestions on how to pick the right early retirement health insurance. Religion and politics. Two things you're not supposed to discuss in public. On this blog I try to avoid these like the plague because, in the end, I don't think anyone cares what I think on either topic. But I'm going to have to wade into both to talk about … [Read more...]
Dealing with Car Crashes and Insurance Companies
This is the story of two car crashes (unfortunately) and how we dealt with them. I'm hoping this is the last one and that none of you have any issues like these, but if you do, perhaps this post can help. It should also provide for some interesting discussion. :) Oklahoma Crash In May of 2014, my wife was stopped at a stop light when a teenage driver ran into her from … [Read more...]
What to Include in a Disaster File
When I listed my 2016 financial resolutions I noted that one of my resolutions as follows: Complete death file -- I know, it's a morbid name. But it's basically a file that lists where all our finances, records, etc. are located. It's for my wife in case something would happen to me. One reader responded: A better term of death file that I like would be disaster file. If you … [Read more...]
