Dr. Elaina George joins Jim Paris Live to discuss a wide variety of strategies on ways to save money on healthcare, including - cash only surgical centers, concierge care, medical sharing plans, direct primary care, prescription savings, and more. Dr. Elaina George is the host of the program Medicine On Call on American Web Radio, and author of the book Big Medicine. Read more →


Wow, a new report by insurance analytics firm ValChoice concluded that over the past five years Americans overpaid for auto insurance by a whopping $101 billion dollars! The report also provided the simple reason why: some auto insurers have more profit built into their premiums than others. Specifically, auto insurers that operate as mutual insurance companies came out on top. A mutual insurance company can be compared to the business model of a credit union, and exists to serve its members, not to earn a profit for shareholders. Consumer Reports lists USAA and Amica Insurance as their two top picks.... Read more →


When Donald Trump was running for president, one of his most prominent campaign promises declared that he would “repeal and replace Obamacare.” That may not be happening now. In fact, it seems very likely that while there may be some modifications to the Affordable Care Act, the law itself will remain intact. Trump has actually been saying for some time now that he has every intention of hanging on to two of Obamacare’s most notable provisions – the ability of adult children to remain on their parents’ plans, and the mandate that insurance companies must make coverage available to those... Read more →


By Robert G. Yetman, Jr. Editor At Large UnitedHealth Group CEO Stephen Hemsley has declared that the company made a poor decision when it ventured further this year into the various, state-based, public insurance exchanges that exist largely to serve the Affordable Care Act. UnitedHealth sold coverage on just four exchanges in 2014, but upped that to 24 exchanges for 2015. The larger embrace of the ACA, overall, has caused the company to suffer substantial financial losses this year, significant enough that it has had to adjust its earnings forecast downward. At this point, Hemsley is undecided about whether UnitedHealth... Read more →


The cost of auto insurance can vary widely based on a large number of factors. It is easy, however, to get in a rut and simply pay the bill month after month without considering other options. 7 Ways To Lower Your Auto Insurance Bill 1. Ask For A Discount Many times you don't even have to move your coverage to another company to save money. If you simply contact your current insurance carrier and let them know that you are about to start shopping them out, there is a good chance they will offer you a discount. For this call... Read more →


The hardest thing about getting things done this time of the year, is that it is THIS TIME OF THE YEAR. With Christmas and New Year's (and all of the related social events), it is the worst season to find the time to sit down and deal with your finances. The problem is, however, that this is prime time for making end of year moves that can have an enormous impact in your financial picture for next year. 5 Smart End Of Year Financial Moves 1. Make a financial contribution to your favorite charity or ministry The great thing about... Read more →


I don't know if you remember the old TV show The Equalizer. I absolutely loved this show. Edward Woodward was perfectly cast as the main character, Robert McCall. The Equalizer was a retired spy that used his background and special skills to help ordinary people get justice (when the authorities were of no help). By the way, if you missed it, the movie version starring Denzel Washington came out just a few weeks ago. The movie version was a bit more violent than the TV show (see trailer below). You have to love The Equalizer because he was ready, willing,... Read more →


Tom Sightings has written a great piece for the online version of U.S. News & World Report that details both retirees’ typically most substantial expenses, as well as some ways to limit each. There’s actually a lot of good information inside of what is a relatively brief piece; to what is surely no one’s surprise, expenses like housing, health care, and taxes make the list. It is, of course, a great idea to limit one’s expenses in retirement whenever possible, but the reality is that many people will find it to be extremely helpful to double their financial power in... Read more →


The problem of counterfeit money is on the rise. Of course, with today's computer technology and color printers, the process has become much easier for criminals. In 2013 the Secret Service recovered more than $150 million dollars in fake bills. What Happens If You Get Caught Passing Counterfeit Money? It can really happen to anyone. How many of us take the time to check the money we receive from our bank or our change when we make a purchase? Being caught with fake money in your possession is no fun. First, you will likely face questioning by law enforcement. Secondly,... Read more →


Obamacare Enrollment Window Closing - Christians Can Avoid Fine Through Exemption

March 31st marks the end of the first Obamacare enrollment period. Enrollment will open up again in November for coverage that will begin in 2015. The idea behind having these enrollment windows is to provide some measure of protection against people waiting to join until after they are sick. Although it is true that you can jump in on the next enrollment window with your pre-existing medical situation, you will be on the hook for your medical bills until your coverage goes into force. The other significant issue that comes into play as a result of the enrollment window closing... Read more →


How To Earn $100 For Each Person You Help Opt Out Of Obamacare

Many of you know that last year I made the jump out of my traditional health insurance program into a Christian alternative known as Christian medical sharing. After being a member of one of these programs for a few months, I learned that they had a referral program (AKA affiliate program). They pay me $100 every time I refer someone to their program. I can collect my $100 referral fee as a Pay Pal payment or as a Visa gift card. What Is An Affiliate Program? Affiliate programs are popular ways for those with websites or blogs to earn money... Read more →


Do You Have Tornado Insurance?

I thought the headline might get your attention, and as far as I know there is no such thing as 'tornado insurance.' Tornadoes are a hazard covered by a standard homeowner's insurance policy, but many people are ill prepared for a weather disaster such as what we saw recently in Oklahoma. Rule #1 Make Sure You Have Enough Insurance To Rebuild It is up to you to be sure that you have enough insurance in place to fully cover the loss of your home. If you recently purchased your home or refinanced, there is a good chance that your lender... Read more →


Are The Midwest Floods A Warning For Us All?

With every house I financed in Florida, came the requirement from the lender that I purchase flood insurance. I really had little idea what flood insurance was or why I needed it when I bought my first home back in the mid 1980’s. If you have been following the news in recent weeks, you no doubt are aware of the flooding in the midwest. Mortgage lenders regularly rely on government statistics and 100 year flood zone maps in making the decision on whether to require a borrower to maintain this insurance. The frequency and magnitude of the flooding in the... Read more →


You may consider it odd, but Dave Ramsey and I have both been writing and speaking on the topic of Christian finance for more than twenty years, but until ten days ago we had never met. I received a personal e mail from Dave a few weeks ago inviting me to visit his offices in Nashville and get an inside look at his operation. There is a very funny backstory here that I must share to give context to our meeting. Dave had become aware of some negative blog posts about him and the blogger had a very similar website... Read more →


Christians Opt Out Of ObamaCare With Medical Expense Sharing

The health insurance mandate is here. Starting in 2014 every American family will be required to carry health insurance or face a tax penalty. There are some exemptions for financial hardships, but the big one for Christians is the ability to opt out with a medical expense sharing plan. I wrote a comprehensive article on the topic of Christian health insurance alternatives which led me on my own journey of changing how I buy health insurance. Now I pay about $120 monthly for my 'share' in a Christian medical sharing group based out of Melbourne, Florida (the company I am... Read more →