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If you are an entrepreneur, or work at home person, you know the importance of having self-employed health insurance. Whether you work out of your home, or at an outside location, being self-employed means only one thing - you will be responsible for the cost of health insurance.

In the United States, those utilizing self-employed health insurance can face a substantial financial burden. The best that can be made of this expense is to take advantage of every available legal tax benefit. In almost all cases, self-employed health insurance costs are probably a deductible expense for you. These costs, can at least help to reduce your tax burden. To be sure, consult a tax professional for your specific circumstances.

The United States Internal Revenue Service (IRS) website says the following regarding the utilization of self-employed health insurance: “If you were self-employed and had a net profit for the year, were a general partner (or a limited partner receiving guaranteed paymen (more...)

Is Travel Insurance Really Necessary?

Travel is already expensive enough, isn t it? The cost of air fare, cruises, hotels, ground transportation, food and activities and entertainment are already high enough. I don t know about you, but I work hard for my money, and when I travel, I want to keep as much of my money in MY pocket as possible. Is travel insurance a necessity or a luxury? Why not cut a few corners here and there. Why buy something if it s not really needed?

My personal answer is, of course, that I am not independently wealthy and can t withstand the potential financial losses I would incur if I require medical care while I m traveling. Not being independently wealthy also means that I m in the market for adequate but cheap travel insurance. I suspect that you are in the same position, so you, too need cheap travel insurance. If you re still not sure about that, consider the following.

Did you know that if you get sick or are injured while traveling abroad, your med (more...)