Insurance in The Self-Employed Man

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Latest news · Insurance

RealClearPolitics16h ago
Crackdown on Health Insurance Fraud Is Overdue

An HSA is a retirement account with a medical wrapper

Most people spend the balance every December on copays and dental work. That habit costs them the single best tax break in the code.

GuideStartupsRay Okonkwo23 Sept 20266 min

Starting a Handyman Business Without Getting Fined

Licensing thresholds, the four holes in a cheap liability policy, and why hourly pricing quietly bankrupts good handymen.

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Give me something to do with my kids this weekend

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GuideBusinessRay Okonkwo23 Sept 20266 min

The insurance policies a small company actually needs

Four policies carry almost all the risk, two more catch what they miss, and one clause in the property form can gut a claim you thought was covered.

GermProof.com — An invisible germ barrier on your skin for hours

PartnerGermProof.com

Money6 min read

Add up the worst year before you pick a health plan

Four numbers decide what your coverage actually costs, and the deductible is the one people stare at for the wrong reasons.

Poll

What was your first ever job?

GuideReal EstateRay Okonkwo23 Sept 20266 min

Moving to a No-Income-Tax State and the Bills That Follow You

The income tax line is the easy part. Domicile rules, insurance, reassessment and your old state's auditor are where the plan usually breaks.

GuideRetirementMarcus Vale23 Sept 20266 min

How To Plan Retirement Travel Your Budget And Knees Can Handle

Fund it like a bill, pace it like an athlete, and know what Medicare does and doesn't do once you cross a border.

Names.com — The name is the first thing you sell

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GuideMoneyRay Okonkwo23 Sept 20266 min

Price every health plan on a good year and a bad year

Two numbers decide which family health plan is cheaper, and the enrollment portal shows you neither one.

Quiz

Is your money actually in order?

Six questions. No email required, no sales pitch at the end.

GuideReal EstateRay Okonkwo23 Sept 20266 min

Buying a cabin you'll actually use, and maybe rent out

Decide how you'll use it before you talk to a lender, because that one answer changes your rate, your insurance, your taxes and your town permit.

GuideRetirementRay Okonkwo23 Sept 20266 min

How to cover health insurance if you retire before 65

COBRA, the marketplace, a spouse's plan or part-time work, plus the income lever most early retirees don't know they're holding.

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Pressure-test my business idea

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GuideMoneyRay Okonkwo23 Sept 20266 min

Pick your family's health plan with three columns of math

The premium is the number they put in front of you. The worst-year total is the number that actually decides it.

CancerDefying.com — The research, protocols and reading in one place

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GuideReal EstateRay Okonkwo23 Sept 20267 min

What Your Homeowners Policy Won't Pay For

Call an insurance agent the day your inspection gets scheduled, and read the six coverage buckets before a claim teaches you what they mean.

Poll

How many days a week are you actually training?

GuideRetirementRay Okonkwo23 Sept 20266 min

Medicare Advantage or Medigap and How to Actually Decide

One choice at 65 is easy to make and hard to undo. Know how the two paths differ before the mailers start piling up in your driveway.

GuideMoneyRay Okonkwo23 Sept 20265 min

A health savings account is a tax account with a medical name

Triple tax break, one strict entry requirement, and a deductible you have to cover in cash. The arithmetic decides whether it's yours.

PartnerGermProof.com

GuideReal EstateRay Okonkwo23 Sept 20266 min

Who Gets Paid At The Closing Table And What They Actually Do

Title search, escrow, the settlement statement and the wire. A plain-English walk through the last three weeks of a home purchase.

Quiz

Does your wardrobe actually fit you?

Five questions, honestly answered, and a plan for the next fortnight.

Retirement6 min

Medicare Parts A, B, C and D Without the Alphabet Soup

Money6 min

Read your home insurance policy on a Tuesday, not after a fire

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Rehearse the raise conversation with me

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GuideReal EstateRay Okonkwo23 Sept 20266 min

Scout The Small Town Before You Sell The House

Rent first, visit in the ugly month, read the county minutes, and price the insurance before you fall in love with the porch.

PartnerGermProof.com

Retirement6 min read

Retiring Early And The Bridge Years Nobody Plans For

Leaving work at 55 means a decade before Medicare and years before you can touch an IRA without a penalty. That gap is the whole job.

Poll

Where does your best time with your kids happen?

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