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  1. Dave Ramsey
    Hey all, New to the forum. I just finished reading the TMMO book and it absolutely changed my outlook on money and it really put things into perspective. My wife and I make decent money but we spend way too much money on frivolous items. We have about 40K in debt not counting our home mortgage...
  2. Question and Answer
    I am almost 25 and will be beginning law school this fall. The school requires that all students be insured, whether it be through a spouse/parent or through the insurance supplied by the school. I am single, and have not been on my parents' insurance because I have been working full-time at a...
  3. General Chat
    In September ds was involved in an accident at church and had to go by ambulance to the children's hospital ER. Our city pays for ambulance rides and we have good insurance. Our out of pocket for the entire thing was about $30. I have gotten 2 notices now from the church's insurance company...
  4. Dave Ramsey
    I have an insurance question. I have three policies (below) and was curious to know what some of you would do. Cash out and find cheaper term? Keep them? I'm 46, divorced with three kids (15, 12 and 10). #1 $500,000 increasing term. Term is good until I'm 90, but the premiums increase...
  5. Debt Reduction & Money Management
    Neither DH nor I has life insurance. We don't have children. We are renters and don't have any major debt (just a car payment that will be finished in a few years). I have him as the beneficiary on my retirement accounts. Do you think it's a mistake not to have it? His health is...
  6. Dave Ramsey
    Hello! Newb to the forums and loving it so far. This is my first post and I'm just starting Dave Ramsey's Total Money Makeover. I'd appreciate your advice on the following. My automotive insurance renews next month. My budget has enough to pay the full six month premium with just over $100 to...
  7. General Chat
    I'm just starting to look into this. We are not in a flood prone area but we are downhill a bit and everything runs our way. The last few years there seems to have been many areas not flood prone get flooding due to severe storms. Also after reading Darlene's story I have been thinking about it...
  8. Debt Reduction & Money Management
    We had our end of month staff meeting today and upper management mentioned our health insurance premiums are DECREASING by 2.66% for the exact same coverage that we've always had. That's right, folks, something is dropping in price and I just had to share!
  9. Financial hardship
    We've had a hard year. The last few months were the worst. It hasn't gotten any better this year. Here's the run-down: August - moved to a new place away from river that had been running high for 3 months not the usual 3 weeks. - The mold and mildew from the extended running was killing my...
  10. Debt Reduction & Money Management
    Insurance for 2 Harleys going up $16 a year. Shopped around and got the same coverage for $70 less than last year's rate. Auto is going up $20 and homeowners went up (don't have the numbers handy). Taking her our homeowners and car insurance tomorrow to see what she can do. She has assured...
  11. Health and beauty
    Since I don't work anymore, I pay out of pocket for a very basic medical plan. However, I would also like to have some sort of dental coverage at least for the big-ticket things like crowns or root canals. I have seen a few discount plans online but I don't know if they are really worth it...
  12. Debt Reduction & Money Management
    In 2005, my auto insurance provider told me that it would save me money to get life insurance through them (it was aprx $180/mth for auto alone or $175 for auto & life insurance together.) When purchasing a home a few months ago, I (lazily) opted to go with them for home insurance as well...
  13. General Chat
    I posted the other day about calling my hi company and getting our bill dropped from $844 down to $605. Agent had to do it as a rewrite since the renewal was already heading through the system. Received the app today and a couple of the discounts we are now getting jumped right out at me: 1...
  14. General Chat
    Well we got our renewal for our house insurance & it went up by $122 per year. I pulled out past coverage sheets and I got estimates from other companies. Then I called my insurance company and they gave me a 5% discount :) which brings the increase down to $71.90. I know it's still an...
  15. Debt Reduction & Money Management
    I'd like to learn as much as I can before I call someone to be advised on life insurance. I'm looking for an amount to pay off the mortgage and to leave money behind for final expenses and such. What confuses me is the term, guaranteed life, permanent life, etc... part of it. Is there a really...
  16. Debt Reduction & Money Management
    First a little information.... I currently have my home owner's insurance premium paid through escrow. I am also working Dave Ramsey's TMMO. Now my question....I have a $500.00 deductible and would like to raise it to $1000.00. Do you think this is safe to do once I complete Baby Step 1 and...
  17. Financial hardship
    I just found out our health insurance is going to cost us $5000 in 2012, more than double what it was this year. It's really good coverage, and I know we are lucky to have it available to us, but still....I didn't know it was going to cost that much more. I don't need any advice since...
  18. General Chat
    I am looking for renters insurance. We have bad credit, with a deed in lieu...not banruptcy or forclosure.....Anyone have any ideas? I have called Allstate, but the main agent was out....they will call tomorrow. I called farm bureau....the agent has to call the main office. I havent had...
  19. General Chat
    Hi, My elderly parents were just informed that their insurance company would no longer cover one of Dad's prescriptions. He needs it to stay alive!!! They have a very limited income (about $12000 a year from SS) and absolutely no money to pay for this. And the cost is too much for my sibs...
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