As I prepare myself for another mind-numbing evening of football – with all the enthusiasts in the house I don’t stand a chance – I am thinking to myself what I can do to ‘rise above it’ as it were.
Look at the car you have. Certain cars, such as sports cars and cars that are more likely to be stolen, increase your bill. If you are buying a car try to avoid cars like that so you do not have Insurance Brokers to pay a lot.
While it is not realistic to expect the owner of the company to appear at your home each and every day, it is reasonable for you to expect his employees and subcontractors to do great work. Ask the owner of the company what methods he uses to monitor the day-to-day operations of his employees. Find out who will come out to check on the quality of the electrical work, check for mistakes, and to ensure proper progress is made every day.
I want to remind you of an important way to give to your community that costs you no money whatsoever. Yes, no money. Donate the gift of life, blood. The blood banks around the country need and depend on people like you and me, members of their community to donate blood. Why does there always seem to be a shortage of blood? Simply because, according to the American Association of Blood Banks (AABB), it gets used. Alot. A car accident victim can use up to ten units of whole blood. Trauma situations are not predictable and any blood on hand in local hospital blood banks get utilized. If surgery is planned, blood can be prepared for the patient. Oftentimes, more blood than originally planned is needed or emergency situations occur. Those emergencies happen often, too.
The solution to this is to put your spouse and children on a separate health Professional indemnity plan. It’s very easy to find a plan with the same network of Dr.’s as your group plan so that you can all see the same physicians. This is where we see the biggest cost savings. Typically doing this will save between 40%-75% of your monthly premium’s to do. There are also numerous carriers that will write a policy just for children if you don’t need coverage for yourself.
If you would like to build a great network, you have to constantly expand and upgrade your present network. Everything always changes and what comprises a great network today, might be less than great tomorrow. Network members drop out and lose interest : they change companies, interests, and their lives and so will you.
Ask to See the Title or Registration – Most independent sellers have possession of the car’s title. If not, you can always request to see a copy of the vehicle’s registration. A novice thief will not be prepared to show this information. If there is a little hesitation on the seller’s part, or they “need more time,” proceed with caution. With advance software programs, expert thieves can reproduce car titles and registrations. In this case, it may be hard to determine whether the vehicle is stolen. If possible, ask DMV to run a title search on the vehicle.
This list could go for miles. It boils down to taking our health and our family’s health and making it a higher priority. One simple choice per day or per week can start reducing our need to overtax the health care system. Or we can sit back, continue on our destructive path and keep watching the costs increase.