by Silvana Jimenez | May 11, 2016 | Blog
We’ve all seen how medical expenses, including health insurance, go up with age. If you’re not yet age 65, where you can have Medicare, The Affordable Care Act (ACA) has made finding health care that corresponds to your budget easier, in some circumstances. However, understanding how tax credits and subsidies affect your options is not always easy. You might find that getting insurance under the Affordable Health Care Act requires some planning: Start by assessing your income and find out what the poverty level is in your state. These numbers will determine the subsidies you qualify for. Find out if you qualify for Medicaid. Income requirements vary from one state to another: In some states, you can qualify for Medicaid if your income corresponds to the poverty level or is below this level. Some states have expanded Medicaid, which means this option is available if your income corresponds to or is below 138% of the poverty level. You might qualify for tax credits that would help you pay for health care coverage. You can qualify for tax credits as long as your income corresponds to or is lower than 400% of the poverty level in your...
by helen | May 10, 2016 | Blog
A heavy debt burden is like climbing a mountain with 100 pounds on your back. It never gets any easier unless you drop the weight. Fortunately, it’s possible to live a life without any debt! Eliminating debt and staying debt-free both require discipline and patience. But the freedom you receive is well worth the effort. Live a life that’s free of debt: 1. Make more money. The financial gurus are always recommending that those in debt spend less money. If you’ve already cut your expenses to the bone and are looking for more, nothing is more powerful than making more money. read...
by Silvana Jimenez | May 9, 2016 | Blog
In today’s world of business, getting a promotion can be challenging. There are more things to think of than just doing your job for a long time until your seniority earns you a promotion. Competition can be tough. In addition, modern technology and social media both provide information about you that can make or break your dreams of getting that promotion. Take advantage of these strategies to get noticed and outshine your competition: Remain active in your career. It’s easy to fall into a comfortable pattern at work and forget to think about the future. Even if you’re a good worker who makes steady progress, it may not be enough for a promotion. Keep your career goals in mind and grow your value to your company. Pursue all of the opportunities that you can. Volunteer for crucial projects. Show your team spirit by helping out your coworkers when they need assistance. Invest in yourself and your career. Are you investing time, money, and effort into your future? You can advance in your career by taking steps that show management you’re interested in learning. Take classes, get another degree, earn certifications, or attend conferences. You can even find courses for free online that help increase your skills. Your company may offer training materials. Take advantage of these trainings and learn all you can about your company and everything that you can do for them. Pay attention to your social media interactions. Social media can have a big impact on your ability to get a...
by helen | May 3, 2016 | Blog
Living by yourself can be lonely and expensive. If you have a significant other, it only makes sense to consider splitting the bills and sharing a home. However, unmarried couples that live together have more potential financial challenges than married couples. There are laws that cover married couples when the relationship ends. The same is not true for unmarried couples. A couple might not be ready to get married or may decide that marriage isn’t an option for a variety of reasons. Just because you’re not married, doesn’t mean you’re free of financial disagreements. read...
by helen | May 2, 2016 | Blog
Starting and running your own business can be very lucrative and fulfilling. It’s also very challenging. Most small businesses fail. It’s necessary to avoid the common pitfalls of small business ownership if you want to experience success. Most small businesses face considerable financial challenges at first. There’s little room for mistakes in the early days. Ensure that you’re not making avoidable errors. Educate yourself before taking the plunge. Small business owners can avoid many of the mistakes that lead to disaster: read...
