Comments for Mortgage and Insurance

Comment on How are you paying for health insurance if you are one of the millions recently laid off? by A-Sharp1

A-Sharp1 — Tue, 09 Mar 2010 07:39:05 +0000

Apparently KATTY is employed by “MySimpleCard.com” or an insurer and her answer of “good luck” is just how the giant insurers that deny coverage of pre-existing conditions view your situation as well as others that simply don’t have the $$ for private insurance coverage. With the government option, these insurers will be scrambling for your business to stay alive and may lay-off KATTY, to save money and boost their profits, thereby putting her in the same situation that we are. Her assumption that everybody makes enough $$ in their job to even have any savings to afford any kind of insurance is very elitist and absurd. She suggests that everyone read 1984 by George Orwell, which was mandatory in my education. What she doesn’t realize is that we are already there, with cameras on every street corner, the ability of the govt. to track cell phones, HDTV that can be shut down or used by the govt at their whim to disable dissemination of knowledge. She doesn’t recognize these things, but she denies you should have the same benefits of insurance coverage that Congress and the President has, at the taxpayers expenses, by invoking the premise of 1984 and possibly for fear of losing her job. KATTY, if you REALLY believe 1984 hasn’t arrived yet, I suggest that you go back and re-read it because you have definitely forgotten the premise of it and choose only now to invoke it instead of when the govt was taking away your freedoms many years ago. Wake up KATTY and realize that there are MILLIONS that may not be as fortunate as you… “But for the grace of God, there go I”.

Comment on How are you paying for health insurance if you are one of the millions recently laid off? by Katty

Katty — Tue, 09 Mar 2010 07:10:44 +0000

A lot of people go on Cobra if they have money stashed away. If Cobra is out of question, at least get a high deductible ins to cover catastrophic costs and combine with mysimplecard.com for everyday healthcare. Good luck.

Comment on How are you paying for health insurance if you are one of the millions recently laid off? by ChacoTaco

ChacoTaco — Tue, 09 Mar 2010 06:57:56 +0000

Get the cheap shit you see on tv commercials.
I use new jersey family care. Its very cheap. about $40 per child.
If your on welfare i think you can get it for much less.
if all else fails, get a new job.

Comment on How are you paying for health insurance if you are one of the millions recently laid off? by denise t

denise t — Tue, 09 Mar 2010 06:24:18 +0000

no one can afford it so you have to do without and hope you don’t get sick.

Comment on Home mortgage life insurance for a soldier that doesn’t have a clause for being kia? by fredonia

fredonia — Tue, 09 Mar 2010 06:17:58 +0000

Have you had a look at USAA?

I don’t know that they’ll have what you’re looking for, but if any company does, they will.

Comment on Home mortgage life insurance for a soldier that doesn’t have a clause for being kia? by SPC Matt

SPC Matt — Tue, 09 Mar 2010 05:30:36 +0000

It’s going to be a bitch to get Civi life insurance.

I’ve heard rumors of them raising it to $800k though.

Comment on How are you paying for health insurance if you are one of the millions recently laid off? by deb.peg1

deb.peg1 — Tue, 09 Mar 2010 05:27:34 +0000

We’ve used COBRA in the past, but its more expensive because you not only have to pay the employee’s share of the cost, but also what the employer used to contribute, plus an administration fee. We have gone with private insurance in between layoffs, just because it was cheaper. I don’t know that the coverage was any better, because they always ask about pre-existing conditions. It was always my understanding that as long as you maintained consisted coverage, they had to cover it.
We always paid for it with our savings.

Comment on Is there anything other than defensive drivers course to lower auto insurance? by John H

John H — Tue, 09 Mar 2010 05:04:00 +0000

I haven’t heard of an ethic course. Possibly the best way to lower your insurance is by comparing rates.

Comment on How much should I expect to pay monthly on a mortgage plus property taxes? by Wrenched

Wrenched — Tue, 09 Mar 2010 04:45:07 +0000

The $300,000.00 is a constant whether you buy a shack or a mansion

The 10% down payment is a constant as well (In this case $30,000.00)

Variables include the interest rate, the term of the loan (how long you take to pay it back for instance: 20 yrs, 30 yrs, 40 yrs) and the local taxes (these may vary over the life of the loan, usually they go up not down).

The interest rate as a variable is like this:

Today if you to apply for the $270,000.00 loan you would pay 5.655%

If during the last term of the last Democratic President you would have been paying closer to 10.324%

SO as you can see to estimate a mortgage range for you takes into account some variable information you have not supplied. (i.e. rate per thousand for tax levey.)

By the way there are some good online mortgage computation tools that will let you do some “What if” calculations.

Good luck.

Comment on How are you paying for health insurance if you are one of the millions recently laid off? by It's That Guy

It's That Guy — Tue, 09 Mar 2010 04:35:22 +0000

My wife left her job about two years ago. I am self-employed and I had depended on her insurance. I am diabetic and she has a kidney transplant, so there is no way we could just go out and buy insurance, it would cost like $50k a year for both of us.

We used her Cobra until it ran out. It was about $1200/month, which is more than our mortgage payment, but at least we got pretty good service. When it ran out we switched to another ‘cobra’ from the state of California called ‘Cal Cobra’. This costs about the same, but we don’t have vision or dental benefits.

My wife recently got breast cancer. She is covered (thank GOD), she had a mastectomy and is now doing chemotherapy (doing quite well, actually, considering). She now qualifies for govt. assistance, Medicaid (which in California we call Medi-Cal). But that would leave me out in the cold. I’d have to quit my business and get a job just for the insurance. This would mean a big pay cut. Having not worked for an employer in about 10 years, I don’t know if I could even get a good job in my field of expertise. Of course neither of us qualify for any kind of unemployment or disability. We could end up losing our house and having to start all over again.

I haven’t really checked out the options, because I haven’t really had to yet, and I don’t like thinking about it. I’m hoping Obama manages to improve my options sometime soon.