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Try to imagine the new medical insurance plan from a detached position.

There is an excellent opportunity for seniors sharp enough to see it, and it is available to anyone willing to do a little math. The savings presented in Medicare part d are a little deceiving because at first glance it looks like 75%, when in fact that is only a portion of the overall savings in the formula. Here is a simple way to calculate how to take advantage of the new government medical insurance IF EXPENSES ARE OVER $2250 PER YEAR.

Four things need to be considered.

Start with annual prescription expenses. Figure out how much would be spent on prescriptions if there was no insurance at all. The full retail amount is important for this calculation.

Calculate which month of the year full retail costs reach the “Magic Mark” of $2250. This will expose when the medical insurance stops and full retail costs apply.

For plan costs, add up how much will be spent on the annual deductib (more...)

A new survey undertaken by Legal &amp General, the leading investment company, has revealed that people in Britain are “seriously underestimating the value of their home contents”. The survey, taken in October 2006, discloses that the average home owner estimates his or her household possessions to be worth around 14,300 in value - but the real estimate is, in fact, in excess of 38,000.

Legal &amp General s survey did a breakdown of a typical household s value, which showed that the contents of a living room tend to be the most valuable, at 10,500 on average. The statistics also showed that Britons in the south-east and East Anglia were more likely than those in other parts of the country to value their home possessions accurately however, home-owners in Yorkshire and the north-west of England were statistically judged to be the worst at guessing the value of their household possessions.

The Operations Director at Legal &amp General s general insurance business, An (more...)