Many people don’t know how to navigate around the tricky arrangement of cost negotiation, especially when it comes to expensive surgeries. Well, if you need a surgery that can save your life, it is time to start practicing your haggling skills now. Indeed, it may seem strange to haggle on such a delicate matter, but if you don’t have health insurance, it may be a difference between life and death. Luckily, the medical industry isn’t a fixed cost industry – some doctors and hospitals bill patients differently, which leaves you plenty of room to negotiate. Here are five surgical cost...

As a homeowner, it is essential that you have him insurance to protect you, your family and your assets. While it is a necessary expense, you don’t need to pay excessive bills every month. With some research and action, you can reduce you bill to help make it more affordable for your budget and your lifestyle. Here are 5 easy and effective ways to reduce your homeowners insurance bill each month. First, never settle for continuously paying your current rate. If the cost is out of control and unfeasible for you, you can do something about it! Even if you...