Jennifer Ross -
AND THE WINNER OF THIS MONTH'S
Mary has won the iPod Nano 8GB -
The next drawing will be in a few
|How to Save
Money On Health Care
As health care costs continue to rise, here
are some ways to save money.
- Cost comparison Web sites. A few states,
such as Massachusetts and New Hampshire, have
cost comparison sites. Go to your state
department of health site to find out whether
your state offers cost comparisons. These sites
give prices for specific procedures at specific
facilities. Find links for the health
departments of all 50 states at this U.S. Centers for
Disease Control and Prevention page.
- Insurance companies often can compare costs
for you at different facilities. Go to your
insurance company's Web site.
- Benefits departments, especially at large
employers, can sometimes help compare costs.
They can also sometimes help if your insurance
company is giving you a hard time about paying
its share of doctor's bills.
- The wisdom of crowds. Ask other people
who've had your procedure how much they paid for
it. The most efficient way to do this is to go
to Web sites where people talk about their
medical experiences. Here are a few, such as Steadyhealth and Chatterhead.net's
- Call around. Call hospitals and doctors'
offices and ask what they'll charge for a
certain kind of procedure. This can be very
frustrating and hard to do because the office
can't always give you a straightforward answer,
but it's worth a try because it can save you
thousands of dollars
How much could
you lose by waiting?
Besides the loss of the $8,000 tax credit,
the biggest game-changer facing buyers is a
potential jump in mortgage rates. If the Fed moves
ahead with its plan to stop buying mortgage-backed
securities at the end of March, the rate on a
30-year fixed mortgage is expected to increase
nearly a percentage point from today's 5.18% to
6.1% by the end of 2010, according to the Mortgage
Bankers Association. On a $300,000 fixed-rate
mortgage, that's an extra $174 per month.
Other tips and tricks for
buying a home can be found here
- Women who are very optimistic have a 9
percent lower risk of developing heart disease
and a 14 percent lower risk of dying from all
causes than women who score lowest for optimism.
- People who were optimists at age 25 are
significantly healthier at ages 45 and 60 than
those who were pessimists.
- People with a high degree of hostility and
cynicism are 16 percent more likely to die than
those who score low for those traits.
- When studying angioplasty patients,
researchers found that pessimists were three
times more likely than optimists to have heart
attacks or require repeat angioplasties.
- Genuine, voiced laughter boosts energy
consumption and heart rate by 10 to 20 percent,
which translates to about 40 calories burned for
every 15 minutes of belly laughing.
Source: Women's Health Initiative and
Psychology Health and
|Selling Your Home
You know that your house
needs regular upkeep in order to stay in good
condition. Not only can little maintenance issues
become expensive and turn into major repairs, but
nowadays problems that boom-time buyers might have
overlooked can be huge liabilities when it comes
time to sell, says James Carey, author of "Home
Maintenance for Dummies." Good thing that most
crucial maintenance tasks can be done just once a
year at a certain time. Read A Seasonal Guide To Home
Maintenance for the right dates to mark in
Other tips and tricks for
selling your home can be found here on my
Website of the
This is the largest and most complete
aggregator of financial rate information that I've
seen on the Web. The site constantly surveys 4800
financial institutions in all 50 states to provide
real-time rates on around 300 financial
instruments - mortgages, credit cards, car loans,
money market accounts, and certificates of deposit
- so you can find the best rates and save
Over 21 years in
Serving all of San Diego
"The world is full of abundance and
opportunity, but far too many people come to the
fountain of life with a teaspoon instead of a steam
shovel. They expect little and as a result they get
|When your mother is mad
and asks you "Do I look stupid?", it's best not to
Meghann, Age 13
You shouldn't stand in a bucket of water and touch
an electric fence just because your brother tells you
Melissa, Age 13
If mom's not happy, nobody's happy.
My grandmother can say more in a sentence than a
college professor can say in an hour and a half.
Angela, Age 14
When you mom is mad at your dad, don't let her
brush your hair.
always, feel free to give me a call 800-913-7677 with
your real estate needs. I appreciate your