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Don't be a sucker: how to get the most value for your dollar on car insurance Mike Adams, the Health Ranger See article keywords and concepts

They overpay for everything: they spend more on their auto insurance policies, they spend more on car repairs, and they spend more on their grocery shopping. But people who have accumulated financial wealth make better financial decisions because they know how the system works. They buy auto insurance policies with higher deductibles, because they have the extra $500 in case something happens, and they know that in terms of risk versus reward it's much smarter to buy a high deductible policy and pocket the difference.

They're never worth the extra cost unless you're such a terrible driver that you happen to smash into other cars or objects on a regular basis, in which case your auto insurance rates are probably sky-high anyway, and you shouldn't be on the road at all. But for everyone else, set aside an extra $500 or $1,000, put it in a savings account, don't touch it, keep it there in case you need it, and then switch your auto insurance policy to a high deductible policy.

the Health Ranger exposes health deceptions while promoting honest health solutions Mike Adams, the Health Ranger See article keywords and concepts

Yeah, make sure that every penny of your monthly paycheck goes out for something; drug companies, home loan, home mortgage, auto insurance, new clothing, personal care products or high-priced (over-priced) food products. They want to make sure that every penny you earn gets spent on something that makes them money. That's the agenda out there. But I say there's another way. I say there's a totally different way to live.

Don't be a sucker: how to get the most value for your dollar on car insurance Mike Adams, the Health Ranger See article keywords and concepts

The cost difference between a $50 deductible auto insurance policy and a $500 deductible is so significant that you would probably save $500 every couple of years or less and be able to put that money in your own pocket rather than sending it to the insurance company. Furthermore, these policies are marketed to people with some rather unscrupulous sales tactics: the insurance agent might say "Gee, what happens if your windshield gets broken? You don't want to be more than $50 out of pocket do you?

They buy auto insurance policies with higher deductibles, because they have the extra $500 in case something happens, and they know that in terms of risk versus reward it's much smarter to buy a high deductible policy and pocket the difference. The only people who generally accept these low deductible policies are people who are already in a state of financial crisis, and they will probably stay there forever until they wise up and start making better decisions about how to handle their money. Low deductible policies are "suckers' policies" sold to people who can't do the math.

But for everyone else, set aside an extra $500 or $1,000, put it in a savings account, don't touch it, keep it there in case you need it, and then switch your auto insurance policy to a high deductible policy. You will save so much money over the long run that you'll be able to start pocketing several hundred dollars each year that you would have otherwise spent on car insurance.

What would happen if doctors were car mechanics Mike Adams, the Health Ranger See article keywords and concepts

He replied, "Well, maybe your auto insurance will pay for it." He wasn't sure. I said, "This pill I'm supposed to put in the gas tank that suppresses the noise; won't this gum up the works? Won't this have some other negative effects on the car?" He said, "No, no, not at all. It's all been approved by the federal regulatory agencies. Tens of thousands of people are using this, it's no problem. We've been assured by the company that makes this that it's perfectly safe." Electro-degeneration disease So, I said, "Well, alright. Let me tell you about the next problem.

Why used cars cost more to drive than new cars (and other uncommon personal finance advice) Mike Adams, the Health Ranger See article keywords and concepts

Those decisions could be about auto insurance, purchasing a new car, buying life insurance, working with a home mortgage company or dealing with credit card companies. Poor people tend to make poor decisions. Most of that is because they haven't been taught how to make good decisions about finances. Very rarely is anyone poor because of circumstances alone. Now, of course I'm talking about people in industrialized nations like the United States. Without a doubt, there are poor people in less economically advantaged countries all around the world who are indeed poor by circumstances alone.

If It's Not Food, Don't Eat It! The No-nonsense Guide to an Eating-for-Health Lifestyle Kelly Harford, M.C., C.N.C. See book keywords and concepts

Many people, for example, think nothing of spending exorbitant amounts of money every month on a new car and auto insurance payments, yet refuse to pay a few extra pennies or dollars for higher quality foods. They place a much higher value on their automobile than they do on their human vehicle. Frequently, if you ask these same people what they value more, their health and the health of their children or their car, they will most assuredly tell you their health and the health of their children. But that's not what their spending habits say.

Oxymorons: The Myth of a U.S. Health Care System J.D. Kleinke See book keywords and concepts

Based on what happens to premium rates every year, health care is crying out to fix this problem and eliminate this waste, the same way rises in auto insurance premiums set the stage for direct marketing by insurers like GEICO. If you think the Internet will change all of this, think again. In 2000, PacifiCare announced that it would offer its HMO plan directly to small employers over the Internet if they chose to sign up on-line, thus minimizing the brokers' administrative role.

Manifesto for a New Medicine: Your Guide to Healing Partnerships and the Wise Use of Alternative Therapies James S. Gordon, M.D. See book keywords and concepts

This kind of approach is similar to the current systems of workmen's compensation and no-fault auto insurance in the United States. It is a plan that works well in Sweden and New Zealand, where it is currently in effect. In these countries physicians, freed from having to defend themselves, may testify on behalf of their patients. Their concern is, as it should be, with the welfare of those for whom they are caring. Awards would be based on injury and lost time at work. Such a system would undoubtedly elicit more, and more justifiable, claims, but it probably wouldn't cost more money.

Making Them Pay: How to Get the Most from Health Insurance and Managed Care Rhonda D. Orin See book keywords and concepts

At times, it's unclear whether their medical costs are paid by auto insurance policies or health insurance policies. Many health plans treat these conflicts as exclusions. For example, one health plan excludes: Any Covered Services that are payable as personal injury benefits under mandatory no-fault automobile insurance.

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ABOUT THE CREATOR OF NATURALPEDIA: Mike Adams, the creator of this NaturalNews Naturalpedia, is the editor of NaturalNews.com, the internet's top natural health news site, creator of the Honest Food Guide (www.HonestFoodGuide.org), a free downloadable consumer food guide based on natural health principles, author of Grocery Warning, The 7 Laws of Nutrition, Natural Health Solutions, and many other books available at www.TruthPublishing.com, creator of the earth-friendly EcoLEDs company (www.EcoLEDs.com) that manufactures energy-efficient LED lighting products, founder of Arial Software (www.ArialSoftware.com), a permission e-mail technology company, creator of the CounterThink Cartoon series (www.NaturalNews.com/index-cartoons.html) and author of over 1,500 articles, interviews, special reports and reference guides available at www.NaturalNews.com. Adams' personal philosophy and health statistics are available at www.HealthRanger.org.