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Does anyone have any opinions on this plan - Humana Value 100? 1) Any thoughts on which deductible? It has deductible options ranging from $5k (~$400/mo) to $7.5k (~$285/mo) to $10k (~$250/mo). Obviously you pay quite a bit more for the gap between $5k-$7.5k than the one between $7.5k-$10k. Since we...

I would apply for individual coverage ASAP and not wait for COBRA to run out. As a healthy family you should not have problems finding coverage currently. If someone’s health takes a turn for the worse between now and when you obtain individual coverage it will become unaffordable/impossible to get...

One other thought that I'd love to get any opinions on. Since we expect to have another child in the relatively near future (in a hospital), and perhaps another on down the line, I am somewhat inclined to spring for a lower deductible than I might otherwise since it seems pretty certain that will ru...

Is there a substantial difference between a temporary policy and just seeking new, permanent coverage? Temporary is usually cheaper, but you would want to check on any coverage limits, etc., of course. Just a thought that at this unique time there may not be the usual risks of temporary coverage (e...

If I wasn't clear in my original post, I definitely do not subscribe to the view that my family's "past performance" means we can just avoid paying for insurance. Quite the contrary, in fact. I'm really just trying to figure out what the right extent of coverage is since our current health...

Thank you all for your thoughts. Given that as of Jan. 1, 2014, pre-existing conditions will no longer be an issue, I wonder if the best option might be a temporary policy to cover you to Dec. 31, 2013. In the fall you can sign-up for a policy via the new exchange and if your income is below about $...

I've done a lot of general research, but think it's time I shought some more particularized opinions. Here is my situation: - 30 years old, as is my wife, with a 2 year old daughter - none of us have any major health issues or recurring health expenses other than regular check-ups - leaving high-pay...

For ~$3k, if you want small size, fast glass, and high quality, my personal choice would be a Leica-M or similar lens to throw on a Sony NEX (preferable to a 4/3 system because it has a smaller "crop factor" and is thus more readily used with legacy wide angle lenses). (For 35mm equivalent...

For me, this is more about mindset than about finding every way to scrounge and save. My most valuable asset is my time, which I "spend" with my family, on hobbies, etc. How can I maximize my time? I like to invert the old addage, "time is money"; if that is true, then it is also...

Since it is on the general topic, I thought I'd share my own recent experience with buying a car for my own young family. 1) Car choice - We wanted a family sedan. Looked at all options and found that the Nissan Versa is priced like a subcompact but is much roomier than most higher-class sedans. 201...

I am looking at properties requiring a substantial amount of work -- to live, not purely for investment -- and was hoping to obtain the wisdom of the board. I have a cheap and flexible renting situation, so I am in no rush, though I do believe the area I'm looking in is going to appreciate significa...

Thanks very much all. While this doesn't seem to be what any of the above posters did, from my reading of the information provided I think I'll be fine doing the following: 1) Husband Acct #1 - REIT - $4,000 contribution 2) Husband Acct #2 - Total Bond - $4,000 contribution 3) Wife Acct #1 - REIT - ...

Apologies if this is the wrong place to post, but I am hoping someone can help me with the treatment of my daughter's 529 accounts. I am married filing jointly. One child, born last year. I already have opened and funded two separate accounts, both under my name, $4,000 contribution to each. If need...