Setting Resolutions For Affordable Dental Insurance And Care

Dental InsuranceWith the holidays approaching, families across the US recognize that one of the most expensive times of the year is upon us once again.  The budgets will likely get tighter, while thoughts and resolutions turn to the new year, often with commitments to live healthier lives.

One important but often neglected method of living healthily is in regards to dental care.  Many families struggle to afford the cost of routine dental work, which is all the more expensive without a comprehensive dental plan.

While dental work is technically a part of healthcare, standard health insurance plans omit coverage for oral care.  However, dental work is provided as part of oral health insurance, or through an annual dental plan.

Believe it or not, there are notable differences between dental insurance and dental plans.  There are typically more restrictions for you as a patient when you acquire dental insurance, along with high annual rates, and potentially long waiting periods to see a competent dentist.

On the other hand, a dental plan is more affordable and frankly, a much simpler option to maintain quality oral care.  Most dental plans are independent from an insurer, which eliminates the administrative headaches of filing insurance claim forms, and paying for high clerical fees.

There are also discounts for most dental plan members, though you should verify that your dentist is part of the discount dental plan network.  For families on a tight budget, particularly after the holiday season, this can be very important for the oral health of the children.

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How You Can Save A Ton Of Money With Coupons This Holiday Season

Can you be too frugal?Coupons are big business. If you don’t believe me, you only need to look at your Sunday newspaper to understand the power of these little pieces of paper. Coupons have even gained pop culture status with the new reality TV shows featuring extreme couponers buying hundreds of dollars worth of groceries and other items for pennies on the dollar.

But, you don’t have to go to extreme measures to make coupons, coupon codes, and deals help you and your family save money with coupons. You can save a ton! Now is the time with holiday shopping, Black Friday, Cyber Monday, and the like to score some great savings this season!

You do not have to go to such extremes to save money for you and your family. You don’t have to visit 5 grocery stores a week. And, you don’t need a pantry the size of the Grand Canyon and bulk deals to make couponing worthwhile for you.

Coupons aren’t just for groceries. Now is the time to save a boatload of money with Black Friday and Cyber Monday literally right around the corner.

According to NCS Marketing, a media and marketing services company, almost 80% of consumers regularly shop with coupons. Three billion coupons were redeemed in 2012, and consumers received a collective $800 million in discounts.

Save Money With Coupons This Holiday Season

CouponPal.com logoScott Elling from CouponPal.com has several incredible tips for saving a ton of money this holiday season by using coupons. We talk about what consumers can expect during this year’s holiday shopping season. On today’s episode of the Money Q&A podcast, “Your Money: Your Choices”. Download the podcast on iTunes!

We talk about Black Friday, Cyber Monday, Christmas sales, and much more. We also discuss how consumers can get the most bang for their buck through coupons, coupon codes, and so much more.

Scott let all of his secrets slip out in this interview! You won’t want to miss what Scott has to say about this holiday season and the deals consumers are going to score! Also find out the super cool and unique way that he saved hundreds of dollars on furniture with this incredible coupon secret that I have never heard of before.

This one secret alone on how to save money with coupons is insane, and I’m saving this best tip just for the podcast. You’ll have to listen to find out how he saved hundreds! I did want to leave you with four other incredible tips on how to save money with coupons that are in the podcast too!

Scott Elling of CouponPal & 4 Great Tips To Save Money With Coupons!

Tip #1 – Has something you bought at full price just gone on sale or have a killer coupon? Ask for a refund of the difference. Many stores will honor coupons even after you have purchased the item.

Tip #2 – Don’t forget about price matching! Price matching can be a great way to save money with coupons, and it is something that we often forget to ask about while in a store. Find out in the podcast exactly how Scott does his own price matching combined with a little showrooming!

Like these tips? Share them with your friends with a tweet….

Four incredible tips on how to save the most money using coupons this holiday season! via @MoneyQandA and @CouponPal http://goo.gl/zVyP04 (Click to Tweet!)

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The Three Best Online Shopping Tips And Tricks I Have Heard All Year

Online Shopping Tips And TricksScott Elling from CouponPal.com has several incredible online shopping tips and tricks for saving a ton of money this holiday season. I recently interviewed Scott for next week’s “Your Money: Your Choices” Podcast, and I just couldn’t hold back these tips until the podcast airs next Monday. They are that good!

We talk about Black Friday, Cyber Monday, Christmas sales, and much more on the podcast. So, you’ll want to check it out this Monday, November 25th. We also discuss how consumers can get the most bang for their buck through coupons, coupon codes, and so much more.

Scott let all of his secrets slip out in this interview! You won’t want to miss what Scott has to say about this holiday season and the deals consumers are going to score! Also find out the super cool and unique way that he saved hundreds of dollars on furniture with an incredible coupon secret that I have never heard of before.

This one secret alone on how to save money with coupons is insane, and I’m saving this best tip just for the podcast. You’ll have to listen to find out how he saved hundreds! So, without further a do, here are three incredible online shopping tips and tricks for you to save money while shopping online. It is like the life hacks of shopping both with and without coupons!

Three Of The Best Online Shopping Tips And Tricks To Save Money

Tip #1 – Has something you bought at full price just gone on sale or have a killer coupon? Ask for a refund of the difference. Many stores will honor coupons even after you have purchased the item. I saw this the other day at Bed Bath & Beyond. I forgot to bring my coupon in with me, but they will honor it afterwards by just returning to the store with your coupon and receipt.

Tip #2 – Don’t forget about price matching! Price matching can be a great way to save money with coupons, and it is something that we often forget to ask about while in a store. Find out in the podcast exactly how Scott does his own price matching combined with a little showrooming! Scott told me that he uses StellaService.com to find out a store’s policies. This is a great resource that will let you review a store’s shipping or return policies before you make a purchase.

Like these tips? Share them with your friends with a tweet. Click the “Click To Tweet” link below to tweet this out…

Three incredible online shopping tips and tricks to save you a ton of money! via @MoneyQandA and @CouponPal (Click to Tweet!)

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Salaries Of The Five Most Traditional Professions

Salaries-of-Traditional-ProfessionsThe following article is a guest post. If you would like to write an article for Money Q&A, please visit our Guest Posting Guidelines page.

The following traditional professions are so integral to our society we can hardly imagine them ceasing to exist. Each serves an integral role, and demands a great deal from those that pursue them. In other regards, they are high dissimilar. They all have widely varying salaries, work environments and amounts of respect and prestige associated with them.

Salaries Of The Five Most Traditional Professions

1. Doctor

The profession of doctor has always been one that carries a certain level of respect. The profession is one that is difficult and expensive to obtain but usually comes with one of the highest payoffs of any of the five traditional professions discussed.

A doctor’s salary can vary widely depending on his place of employment and his specialty within medicine. The median annual salary for those considered “physicians and surgeons” in 2010 was $166,400 a year, or approximately $80 per hour.

2. Lawyer

The lawyer profession is one built heavily around prestige. The type of law an attorney specializes in can have a great effect on their potential income due to the types of clients and cases it attracts. Generally, those in corporate or personal injury law earn the most, but the salary is healthy regardless of law type. The legal system is constructed in such a way that an attorney is required for most legal matters, regardless of their scope.

The median pay for lawyers in 2010 was $112,760, or about $55 per hour. A lawyer may be hired by a large firm, or they may pursue private practice. Experience as a lawyer also opens up other legal professions, such as judge, that may come with higher salaries.

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How to Get the Most Out of This Holiday Shopping Season and Black Friday

It is going to be a tough holiday shopping season for businesses. Thanksgiving and Black Friday are going to be in late November this year. Businesses will lose about six days of shopping and sale madness if they wait. The government shutdown, unemployment, and consumer worries are weighing on shoppers’ minds. These things will actually benefit shoppers this holiday season. Most retailers are moving their holiday sales earlier into the month. Shoppers will start to see promotions before Black Friday. More retailers will be offering free shipping this holiday season. Now, more than ever, the holiday season is sooner rather than later. It is before Black Friday, even. The holiday season is moving on to the left on the calendar. … Read more

Four Ways Small Business Owners Talk Themselves Out Of Success

Four Ways Small Business Owners Talk Themselves Out Of Success

Small Business Owners SuccessI’ve been reading “The Art of War” the new book by Steven Pressfield, and it is incredible. As a writer, it has made a huge impact in my life. If you are a writer, artist, or small business owner, you need to read this book. And, if you are thinking about becoming one of those or have always wanted to become a small business owner, you should definitely check out this book. It is that good!

The book talks about resistance. What keeps us from doing the things that we were meant to do? Did you always want to write the great American novel? Have you always wanted to start your own business? It is resistance keeping you from your goals. Pressfield goes into great depths in this quick and easy read about how resistance holds us down. You can achieve small business owner success.

Here are four ways that small business owners success is stifled by the resistance that we perceive and the resistance that we place on ourselves. Don’t be a victim to resistance! You can use “The Art of War” by Steven Pressfield to be a small business owners success. 

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Small Business Owners Success We Talk Ourselves Out Of

Let Our Family Talk Us Out Of It

You cannot take no for an answer if you want to be a small business owner. Gary Vaynerchuk told me in my interview with him that you are most likely not made into an entrepreneur. You are born to be one. You cannot let your family hold you back. They love you. They are worried.

But, you cannot let them stop you from exerting your God given talent. You were born to be a small business owner. Your family may be the resistance that Pressfield is talking about. Don’t give in!

Not Show Up Every Day

Are you a professional or an amateur? That’s the heart of Steven Pressfield’s book, “The Art of War”. You have the show up to work every day to be a professional. Whether you are a writer, artist, small business owner, or other creative people, you have to put in the hard work. You have to show up. You have to try. You can’t wait until tomorrow. That’s the essence of beating resistance.

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