Even with good insurance from your employer, you’re most likely paying a larger share of your medical expenses than in the past – $11,600 for the average family in 2017, according to the Milliman Medical Index. A growing portion of that cost accrues during the year, from deductibles, co-payments and coinsurance – which now account for $4,534 of the average family’s expenses. The median deductible for in-network care charged by large employers is $1,300 for employee-only coverage and $3,000 for families, according to the National Business Group on Health.
Particularly now, when many workers are re-upping benefits choices during open enrollment, there are plenty of moves you can make to take charge of your health care costs and save hundreds or even thousands of dollars a year. Insurers and employers are offering more tools and resources to make it easier to compare costs for tests, procedures and drugs.
Whether you get insurance from your employer, via Medicare or on your own through the insurance marketplaces, these strategies will help you save.
There’s nothing better than unwinding after a long day with a tall glass of vino.
But what if your white wine isn’t cold enough yet, your trusty corkscrew breaks, or you slop red wine down your favorite white button-up?
Never fear, because in honor of National Wine Day, we’ve rounded up the best tips that every oenophile should know. Keep scrolling to see our hacks.
OF GREAT IMPORT
It’s easy to find good domestic beer at a fair price. But what about imported beer? Some might think it’s like craft beer – expensive and esoteric – but in fact a wide array of affordable and accessible imports can be found nationwide. Although prices vary by location, many are actually cheaper than, or about the same as, a six-pack of beers such as Budweiser. The more important thing? Most taste better.
The World’s Highest-Paid TV Actresses
These top 10 big earners of the small screen made a combined $156.5 million between June 1, 2016 and June 1, 2017, before taxes and fees. And while each actress added millions to her bank account in the last 12 months, no one managed to out-earn Sofia Vergara, who has been number one on the list for six straight years.
Rosato Is the New Rosé
Giving up our favorite pink beverage as soon as cold weather strikes = double whammy. Luckily, we have the Italians to thank for rosato, a dark rouge rosé that’s reminiscent of tart pomegranates and cranberries.
Even if you don’t swirl your glass before every sip, swish it loudly in your mouth and say things like “I definitely taste tire rubber,” you can still enjoy the world of wine. In fact, right now’s a great time to explore the industry as some super interesting, delicious and fun trends are popping up. Here, seven super fun wine trends about to take over fall.
You might not think twice about the coins and bills you use on a daily basis — but you should. There are some facts that might fascinate. Do you know what bills are made out of (hint: it’s not paper)? Do you even know how to tell if your money is fake?
From the history of money and its evolution to the hidden messages and security features you never noticed, click through to discover some interesting facts about money.
While there’s no secret formula for happiness, research suggests that certain factors can influence our overall well-being.
In fact, everything from the type of job you have to your relationships and your level of physical activity can influence your satisfaction in life. Studies have also found that our “everyday contentment” increases with our income – but this relationship plateaus after an annual salary of $75,000, although this threshold likely varies depending on where you live.
In a new study, personal finance website WalletHub examined the happiness level of all 50 states in the US using 28 key factors, drawn from relevant research. This includes metrics such as depression rate, sports participation rate, income growth, and more.
According to WalletHub, here are the 20 happiest states in America, ranked in increasing order of happiness.
You can read more about the study’s methodology on WalletHub.
Still trying to go clear
The Church of Scientology has been in the peripheral awareness of those of us interested in pop culture for decades — but, for the most part, we all just thought it was kind of a kooky religion that Hollywood’s elite tended to gravitate toward. We didn’t know a whole lot about it, but it seemed harmless enough. Until Leah Remini decided to blow the lid off the whole deal, that is.
As a former Scientologist herself, Remini has accused the church of physical, emotional and sexual abuse against men, women and children — and she’s not anywhere near done exposing the inner goings-on of Scientology on her Emmy-nominated show, Scientology and the Aftermath. But even with all of the recent bad press, there is still a grip of celebs who are Scientologists. Check it out.
Originally published December 2016. Updated September 2017. Still trying to go clear The Church of Scientology has been in the peripheral awareness of those of us interested in pop culture for decades — but, for the most part, we all just thought it was kind of a kooky religion that Hollywood’s elite tended to gravitate toward. We didn’t know a whole lot about it, but it seemed harmless enough.
Less pain is on the list of benefits of meditation. Just ten minutes a day of mindfulness meditation may reduce the need for painkillers by improving pain tolerance and decreasing anxiety levels, according to new research out of Leeds Beckett University. The study included 24 healthy university students who were randomly split into a control group and a meditation group. Participants were asked to put their hand in warm water for two minutes before removing it and placing it into ice water for as long as they could stand.
They then either sat quietly for 10 minutes or meditated before doing it again. Both groups performed similarly the first time around, but the participants in the meditation group saw a decrease in anxiety about pain and a higher pain threshold and pain tolerance on the second go. ‘These results do show that a brief mindfulness meditation intervention can be of benefit in pain relief,’ says Osama Tashani, PhD, Senior Research Fellow in Pain Studies at Leeds Beckett University in Leeds, UK, in a news release. Holding hands with your partner can also help quash pain.
FOR LOVE AND MONEY IN YOUR 30s AND 40s
Facebook statuses may paint a picture of the perfect life, with family vacations and celebrations, but your married friends in their 30s and 40s are probably hiding the truth if they insist they never fight. With kids, home ownership, and careers, there is much to disagree about during these decades. According to a national survey by Money magazine, 70 percent of married couples argue about money, with the amount spent on frivolous purchases high on the list of grievances. Are you one of those couples who can’t agree on where the money goes?