Best Dental Insurance

Looking for an Affordable Dental Plan?

Is the Best Dental Insurance the one that's Cheapest?

In my search for the Best Dental Insurance last month, I failed to come up with anything that was substantially less money than my current, company-sponsored Dental Plan. Over the course of a few years, and the cost associated with porcelain crowns and amalgam fillings for a family of four, things can get quite costly. So, I decided it might be just a tad too risky to do without insurance at all. My current dental premiums are about $672 per year for a family of four. According to my dentist, the likelihood that I will need to pay for 3 or 4 porcelain crowns in the next two years is about 80%. A crown will cost about $400-$500 each, with any insurance plan. Without insurance, Crowns cost around $900 - $1200 each. So, the question for me is, “can I cut down on those premiums and still save $400-$500 per crown as they are needed?”  I need to find the best dental insurance plan that covers 40-50% on crowns and has lower premiums. Fortunately, I received an email from a reader of my blog who referred me to such an affordable dental plan that really does appear to be the best dental insurance plan, particularly for individuals without company group insurance.  Read the rest of this entry

 

Are Gadget Screen Protectors Worth the Money?

Remember how excited you were when you got that new iPhone for the first time? If you were like me, the new iPhone instantly became your most valued technological possession. The sales rep at the AT&T store - or in my case, Best Buy, tried to get me to pay another $20.00 on top of my already, hefty, $349 bill by talking me into an Invisishield screen protector. Invisishield was a name I had heard before, but had no idea if it was the Best iPhone screen protector and worth the money. I knew I would have to get a screen protector eventually, but didn't want to add to my big phone expense all at once. I decided I would use the phone for a while than shop around. As it turns out, I couldn't relax without one. I was so protective of my new iPhone that I couldn't enjoy it until I knew it's beautiful, high-res, glossy screen was properly corrected. I went to Target and bought the off-brand, Case Logic which included 3 screen protectors for about $9.95. As it turns out, I was glad it came with three Screen Protectors instead of just one. Read the rest of this entry

Is Cheap Pet Insurance Worth it?

Should we Buy Cheap Pet Insurance for our pets? Like any other type of insurance, we should hope that the cost of the premiums we pay over the life of our pets outweighs the potential use of those bills. I've had several cats over the last 25 years, and one Yellow Labrador dog that lived a pretty good life of 15 years. All of my cats, except for one that was struck down by a car, lived very long lives. I've never had pet insurance of any type. Perhaps, I was lucky, but I've never been in a situation where I felt I really needed it. I guess the questions should be, "what does pet insurance cover and if there ever was a catastrophic medical event suffered by my cat or dog, would my insurer cover it?"

 
I looked at a few of the cheap pet insurance policies. My conclusion was that like any other type of insurance, there is no such thing as a cheap pet insurance policy that is going to save you money on the normal maintenance over the entire lifetime of your pet. If that were true, pet insurance companies could not possibly hope to stay in business by offering cheap pet insurance. They are banking on your pet's health and premiums outliving the risk of some type of catastrophic health expense. You cannot possibly hope to pay for an insurance policy over the life of a healthy pet that will save you money long-term. The math simply does not add - up. On the other hand, our beloved pets can sometimes be stricken with emergencies that require extremely expensive medical bills. Do we want to take the chance on having to make a very painful decision on the life or death of a young pet whose medical bills we cannot afford? This is why we should consider some form of pet insurance, but only if this type of insurance will cover those types of costly risks. For this reason, you have to wonder if there is really any such thing as Cheap Pet Insurance. Read the rest of this entry

What are the most common objections women have to using electric razors as opposed to traditional razor blades in the bath or shower?

• Electric Razors Hurt and Pull hair
• Electric Razors don't shave as closely and smoothly
• Electric Razors are too expensive

The reason so many women are still shaving their legs with a traditional razor blade in the shower or bath is that they've had a difficult time finding a Womens Electric Shaver that does as good a job, is not painful to use and doesn't cost a fortune. On the other hand, using a traditional razor blade is not nearly as convenient. Over the course of a year, replacing the blades will probably be just as expensive as finding an effective, good quality Womens Shaver. There are several advantages to finding a good electric razor that women like: For one thing, an Electric Razor certainly saves on water; no need to spend extra time in the bath or shower to get nice, smooth legs. The other reason is that it saves time and money on replacing blades and shaving cream. The third reason is longer lasting smoothness of skin and slower hair growth.

There has to be a product out their for ladies that will do the job of a traditional razor blade quicker and easier and won't cause pain. I decided to do some research and locate such a product. I believe I found a couple of models that won't disappoint: Read the rest of this entry

Cheaper Home Insurance

Home Insurance Ratings

Best Insurance = Cheaper Home Insurance

Are you looking for cheaper home insurance? Your average homeowner pays $50-$100 per month in premiums for a home-owner's insurance policy, depending on the price of the home being insured. This cost may seem insignificant compared to how much most of us pay for auto insurance. Because of the huge difference we pay insuring a car vs. our home, Home Owners insurance may seem like an afterthought to many of us. In my last 23 years as a home owner, I never gave much thought to shopping for cheaper home insurance. I've been insured by four different companies: State Farm, All State and California Casualty.  In each case, I saved about 5-15% on my home insurance policy by having a couple of my cars insured by the same company. In other way to save on home insurance premiums is to raise your deductible from $500 to $1000.  Sometimes, you can save as much as 25%.  The best way, though, is to simply shop for cheaper home insurance.

Besides looking for Cheaper Home Insurance, though, the most important thing you can do is choose a company that is highly rated. Thankfully, AM Best rates home insurance companies the same they do automobile insurance. You can look up an insurance company's risk factor and financial stability online at anytime. Choose a company with a high rating of integrity and security. Even better, JD Powers has provided a very useful ranking of the top Home Insurance Companies. As they did with the Car Insurance Ratings a few months back, JD Powers has ranked the top insurance carriers. Home Insurers are rated JD Powers on Five Key Factors: Insurers are ranked by JD Powers on Five Key Factors: Overall Experience, Customer Interaction, Policy Offerings, Billing & Payment, and Price. I've selected 10 of the most popular home insurance companies and posted the results below.  Amica Mutual is number one with a perfect score of 100% in all five categories. No other company comes close. In case you didn't see the article on Car Insurance Ratings; Amica won that contest too back in 2009. One thing worth mentioning: Read the rest of this entry