Dream Station

When you’re on the road, whether as a full-time RVer or even a biker on a long road trip, it can be hard to maintain normal health care. Health insurance is a thorn in my side, and in fact I’m one of the millions of uninsured Americans. It scares my chickens.

For certain things, then, it’s worth looking to an online pharmacy like EDrugstore, the internet leader, to fill my prescriptions at a significant discount. They specialize in prescriptions such as smoking cessation, and you send in a medical questionnaire for their doctors to review. Then their pharmacists issue a prescription and you can mail-order it or pick it up at a local pharmacy.

I’d also be reading through their health articles to educate myself (and no doubt scare myself silly, of course). You can even ask questions of their US-licensed doctors in the ask a physician area.

Health care in this country… well, there is none. There’s sick care, and it comes at a terrible cost. At least there are resources like this that can save you money (this site guarantees the best prices on the internet) and provide basic answers. Online for eight years and only selling only name brand medicines, EDrugstore.com is the leader for a reason.

Insurance companies — like everyone else in the business world — will sell you as much of their products as possible. Before buying any travel insurance policy, consider these general tips on travel insurance:

1. Consider medical coverage if traveling to another country. This is especially important if you’re in a developing country with limited medical resources.

Weigh the costs of a policy that will pay to transport you to help. Odds are slim that your medical insurance covers foreign treatments. They’re even slimmer that the policy would pay to have you evacuated to better treatment.

2. Check policies already in effect for possible coverages. Most travelers decline car rental company insurance because their auto policies cover them in such situations. The same may be true for a wide variety of other travel needs. For example, theft and loss prevention could be covered in your homeowner policy. Buying duplicate coverage does not double your benefit. It wastes money and creates confusion that could actually delay payments.

3. Frequent travelers should consider year-round policies. This coverage is sold by time frame, not by trip. It can be quite inexpensive–sometimes less than $100 USD per year.

4. The fine print counts. You might feel quite comfortable with trip interruption or cancelation insurance.

But make note: these policies almost always spell out specific reasons for a cancellation. If your particular situation isn’t mentioned, the company does not have to pay. Be certain a lengthy list of reasonable causes is listed before you buy.

5. Don’t rely on your travel agent alone. They are experts on travel, not insurance. Check with the insurer by email or on a toll-free “help line.”

6. Ask lots of questions. These will begin with the phrase “what if…?” You’ll never cover every possible problem, but you’ll begin to see a pattern after a few of these are answered. That pattern might tell you the coverage is too narrow and therefore not worth the expense.

Home sellers take note. Head the following 8 suggestions by a famous real estate agent for making your home attractive to home buyers:

1. Use glass tiles instead of ceramic ones in kitchen or bathrooms;

2. Avoid installing bowl-shaped, above-the-counter bathroom sinks. They look pretty, but have proven to be harder to maintain and keep clean;

3. Use engineered stone compound for kitchen counter tops;

4. Don’t install too many glass cabinet doors in your kitchen. They look better in magazines than they do in real life;

5. Replace wooden or chain-link fences with a wrought-iron one;

6. Use bold and deep color for shutter, door and window frames;

7. Avoid using bamboo flooring; and

8. If you are adding new construction, don’t use concrete blocks in exterior walls.

My buddy decided to send her mother to one of the care homes or nursing homes she found at better caring. Besides getting answers to crucial questions about care for her mother, she is able to compare care options and search for care homes that fit special requirements.

Making the decision to move her mother into a care home is difficult for her because she loves her mother very much. However, she is left with no choice at the moment. She is a very busy Tour Leader who is abroad most of the time. So, making it impossible for her to take care of her mother who has exhibited symptoms associated with Alzheimer’s disease.

My buddy is sure that her mother is ready for a care home because of the facts below:

• Her mother is telling her that she is eating, but she is seeing food go bad in the refrigerator.

• Her mother is wearing the same clothes most of the time.

• When she looks around the house or yard, it is not as neat and clean as it used to be.

• Her mother is not able to take medications correctly.

• When she really looks at her mother, she sees a more limited person who needs some help around the clock.

While making the decision to move her mother to a care home can be difficult, she has a responsibility to ensure that her mother mother is properly cared for, comfortable, and secure.

It is important to save money for emergency funds and investments even though I am loaded with credit card debts. According to money experts, we must also save money besides paying off credit card debts. No matter how small the amount is, it is still savings.

I will consider investing in unit trusts or bullion. My mom has kept a few gold coins since she was young. If she ever thinks of selling the coins, it’s going to be a considerable sum of money.

I think it’s time for me to read more investment tips and updates. By the time I settle my credit card debts fully, I will have all the investment information at my finger tips.

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