Tag Archives: insurance

Weekly Linkage: Healthcare, Midnight Deployments, and Markov Chaining

I’ve been all over The Incidental Economist lately, and it’s really hard not to link to every one of their posts that I can make heads or tails of. They’re really prolific by my standards, though, which means it’s a struggle to keep their posts from falling off the 30-day cut-off in Google Reader.

Financial Advisor: Not This One

My first financial advisor discussions have ended with a quiet crash and burn. The Bogleheads’ Guide to Retirement Planning warned me about commission-based folks. I listened to them and then called him on some junk.

Jackie, sitting in our PS3 shipping box.We met yesterday to catch up on some of the things we talked about the first time, such as pre-tax vs. post-tax investments, “real wealth” vs. “paper wealth”, etc.

Showstopper: he was trying to sell me insurance.

Lousy insurance at that.

His ideas of safe, “real wealth”, tax-protected investments were whole life and variable universal life insurance. Which he’d get a commision on for selling me.

Continue reading Financial Advisor: Not This One

Weekly linkage

Everything’s a day behind this week. I wanted these out yesterday. Anyway, here’s this week’s internet cruising:

  • The Little Easy – OMG, can I move into this house, please? Please?
  • White Bean and Onion Confit (recipe) – I'm totally going to try this. Healthy and yummy-sounding (although that's quite a bit of oil).
  • Graphic Designer’s Journey: Freelance to Freedom (Infographic) – Apparently I'm on a freelance kick today. This totally resonated with me. As much as I like people, client work can be rough. It's hard to maintain the cheerful and patient "service industry" outlook 40 hours a week. It feels much more satisfying to do your own work or select volunteer work, especially if you think your work has redeeming social value.
  • Aggressive Expansion: 8 Tips for Finding More Clients Now – I saw a lot of these techniques (sans the job boards) used to good effect at Skookum. Were I to go into freelancing, this would be an awesome guide. It's good anyway.
  • Winning a User Experience Debate – "To bring UX to the heart of the business, you must persuade colleagues to trust your opinion and expertise. Handling critique well is an important way to earn trust. It’s easy to undo your hard work with rash disagreement. Never dismiss stakeholder feedback out of hand."
  • YouTube – Speed Up Your Iphone backup with Itunes – Easily done. I was having 1+ hour syncs. Here I was (apparently) trying to be nice, sending in diagnostic info.
  • Reader Story: How I Purchased Private Health Insurance – I've thought about going independent myself with health insurance, just so that I won't be shackled by a job. That said, some companies offer better benefits than I'd want to pay for out of pocket, especially since I do need more than just preventative care on a regular basis… This article explores a couple of good options.
  • 22 seconds of joy – A confused puppy.
  • POD is Bad Business – An interesting perspective on publish-on-demand. It hinges on writers wanting their books on bookstore shelves. I'm not sure the argument holds as much water if you care more about online sales through Amazon (etc.).
  • Buttersafe – The Portrait – I almost peed my pants on this one.

Shenanigans with an insurance salesperson

So I’m trying to get life insurance. Just 20-year level term life insurance. It’s supposed to be cheap and easy to get.

Some of the big dogs won’t do online quotes, New York Life in particular. So I agreed to meet with a local agent yesterday morning and let him talk at me over coffee. Yes, coffee, which I don’t go for often. Luckily, it was at Panera Bread, so the coffee was pretty good, although a little aged.

We go through the usual rigmarole of “Oh, you used to be a teacher? So did I!” After the meeting, I think I knew pretty well why he ultimately left teaching, if I may be catty.

Mmm, blog. Yes, I can be catty. Tasty.

I knew insurance is a sleazy business, and this guy certainly isn’t the worst I could imagine dealing with, but it was still hilariously smarmy.
Continue reading Shenanigans with an insurance salesperson

Daily tasteeness (2008-01-20)

Organize & Prepare: Do Your Taxes Quickly | My Dollar Plan
The title says it all. This seems like a good way to get organized to make taxes simpler.

Single Guy Money: Save Money on Auto Insurance
I just ripped Progressive a new one for how much I’ve been overcharged for my car insurance. If you have the money to do so, Single Money Guy has some tips to get discounts on insurance.

Time To Call The Credit Card Company
“If you are trying to get out of credit card debt, you might want to think about giving your credit card company a call.” Get your rates reduced, increase your limit, waive balance transfer fees… Make it easier to get out of debt. Argue well.

Benefits And Drawbacks Of Spending Cash | The Happy Rock
I mentioned previous that I was using cash to help with my budgeting/spending issues. This post lists some of the pros and cons of spending cash.

PuTTY: a free telnet/ssh client
Now that I’ve left Rose and had my laptop eaten by cats, I don’t have access to the nice college software for SSH access. So I’m reduced to using the free stuff, like Putty. It’s not bad, honestly. I’d recommend it for SSH, although not for FTP.

How to Automate Your Personal Finances ∞ Get Rich Slowly
Automating finances is a crucial way to get saving rolling and debt paid off. I’m not a fan of all of the steps here — I don’t agree with consolidating your bank accounts in one place — but overall, these are wise steps to follow.

Ask the Readers: Should I Prepare My Own Taxes or Go to an Accountant? ∞ Get Rich Slowly
My taxes aren’t complicated yet, but I do have a friend who will soon be running his own business and I am woefully tax-ignorant. I’ve leaked money like a sieve the last two years on my taxes, and this post reminded me that I need to get more educated.

WordPress 2.3 compatible WordPress – Del.icio.us Daily Synchronization script
I’ve been having a lot of trouble trying to get my del.icio.us links to post. The method on the del.icio.us site itself doesn’t work for me, and I wanted a bit more customization over style and format. So currently, I’m playing with this perl script.