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If you've been putting off choosing your coverage for the upcoming year during this open enrollment season, no one would blame you. Workers often find themselves choosing an insurance plan from a menu of complicated and pricey options. If you've been procrastinating during open enrollment, here are three simple steps to just get it done. Know your acronymsYour workplace will likely present you with a list of insurance plans to choose from, which generally fall into one of two categories: high-deductible health plans and co-pay plans. Co-pay plans Unlike high-deductible plans, co-pay plans come with pre-determined costs that you'll pay for things like office visits, prescription drugs and medical procedures.
Persons: you've, Willis Towers Watson, Charlene Rhinehart, Here's, you'll, Carolyn McClanahan, you'd Organizations: Workers, Planning Partners
A great book can challenge your perceptions, shape your worldview, and impart messages that stay with you forever. Six books that billionaire Virgin Group founder Richard Branson has read over the course of his life have left that sort of lasting effect. Most recently, in April, he released his audiobook memoir, "Losing and Finding My Virginity: The Full Story." Branson calls it "a very entertaining read that has always stayed with me." On "Start With Why," Branson says: "My key takeaway was that it doesn't matter what you do, but why you do it ….
Persons: Richard Branson, Branson, Bryan Stevenson Stevenson, Walter McMillian, Jamie Foxx, Luke Rhinehart, George Cockcroft, Simon Sinek Sinek, Elizabeth Nyamayaro Branson, Nyamayaro Organizations: Virgin Group, CNBC, New York University, Equal, Initiative, Virgin Records, United Nations, UNICEF Locations: Africa, Zimbabwe
Food hoarding can vary depending on the access the person has to buying food, Daigle said. It is interesting to talk about food hoarding after the lockdowns of the Covid-19 pandemic, because food hoarding served a purpose in that time, Daigle said. Some people engaging in food hoarding behaviors may isolate out of shame or feel more comfortable being around food versus being out in public. Some eating disorders have food hoarding as part of their behaviors, and the same experience may drive people to cope with both hoarding and eating disorder behaviors, she said. But shortages of other things children need may also lead to food hoarding, Daigle said.
Persons: Kimi Ceridon, Ceridon, “ We’ve, , Kate Daigle, Alexis Conason, Daigle, “ It’s, ” Daigle, , Erin Rhinehart, ” Rhinehart, you’re, ” Conason, it’s Organizations: CNN, International, Susquehanna University Locations: Boston, Denver, York, Selinsgrove , Pennsylvania
Health savings accounts and flexible spending accounts are both tax-advantaged financial tools that can help you save money on your medical expenses. Some FSA funds may roll over into the new year, but it depends on your plan sponsor, according to FSAStore. If you invest your HSA funds, the earnings are also tax-free, giving HSAs a triple tax advantage. "Your HSA custodian doesn't micromanage your HSA expenses like they will your FSA," Rhinehart says. She says it's a good idea to keep receipts when you use your HSA funds just in case you're ever audited.
Persons: FSAs, Charlene Rhinehart, Rhinehart, HSAs, they'll, doesn't Organizations: CNBC, Fidelity, Internal Revenue Service Locations: FSAStore
While travel demand is roaring back, many hotels, airlines, cruise operators and airports are still racing to hire and train workers. That means the level of customer service will likely take a hit, industry experts say. One potential bright spot can be found at sea: During the summer, several cruise lines had to cancel voyages due to staffing shortages, but major disruptions have been largely resolved. “It’s highly unlikely your holiday cruise will be canceled due to lack of staffing,” said Colleen McDaniel, editor-in-chief of Cruise Critic, a Tripadvisor-run travel site. “This year, I moved my annual holiday travel to earlier in December,” said Abby Rhinehart, an educational researcher in Tucson, Arizona.
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