Another important consideration is the amount of the deductible. This is the amount you will have to pay that the health care insurance won’t cover. The higher the deductible, the less you will pay per month. The lower the deductible, the higher your monthly payments will be. You will need to decide which option you can afford.

When he defined prepper to me, it was from his viewpoint. He said preppers don’t need help from anyone. They set out to be successful and to become prepared on their own merit. In his view, they are independent and self-reliant to the extreme.

You need to have a secure process for getting rid of outdated financial documents. You can buy a shredder to help with this. Avoid being the victim of fraud or identity theft by properly disposing of confidential documents. Make sure you are thorough about protecting your interests.

Those who make handcrafts always have something to barter with. Some crafts are not desirable, but many are. Handmade soaps and candles, toys, quilts, jewelry, and other gift items are all highly tradable. I love trading for these items because they make wonderful gifts for family for special occasions and I don’t have to spend our food budget on gifts.

It can happen a lot, and you have to definitely be aware of it. But the good news is that ETFs track a number of stocks. If 1 company announces some bad news it will not affect the ETF that drastically. So you are able to avoid many surprises this way.

Compound interest can be especially useful to younger people, as it gives them a step ahead in their financial security. Saving a portion of everything you earn. Squirrel it away in a savings vehicle of some kind.

When I was looking for healthcare during my pregnancy, I was unable to find a doctor who did not require a large out-of-pocket expense from fully insured patients. I looked instead for a midwife, only to find that they were even more expensive. I searched and was able to locate two midwives in my area who agreed to handle my prenatal care for no money at all.

Super Stop and Shop in the old Saybrook Shopping center at 865 Boston Post Road will hold flu clinics on Oct. 11, 3 p.m. to 7 p.m. and Nov. 12 10 a.m. to 2 p.m., contact 860-388-0850.