Health insurance plans can be complex and intimidating. Understanding the basics of how a health insurance plan works and learning the terms used can be beneficial. We then ask better questions, make better insurance decisions and get the most from our health insurance plan. This publication will take you through five keys to gain a better understanding of your health insurance costs.
Long-term health care has become a major issue for farm and ranch families who want to transition their business to the next generation. A long-term health care plan is an essential part of any succession and estate plan to insure the business transitions as the family desires. Without a plan, the farm/ranch business is facing a potentially huge financial risk.
When your important papers are lost, stolen, damaged or destroyed, you may be able to replace them. This publication lists the agencies, websites and procedures that can help you replace those important papers.
Keeping family records in a businesslike manner saves time, trouble, money and frustration. This inventory will help families gather important records for safe keeping and quick access when those records are needed.
Families are like small business with important records about each family member and the business the family does over time. Keeping family records in an organized manner saves time, trouble, money and frustration.
The rates in this publication are used as a guide in establishing rates for custom work, comparing ownership or leasing costs with custom work, settling accounts when two or more people exchange work.
People have different definitions of stress. Probably the most common definition is “physical, mental or emotion strain or tension.” Stress is different for all of us. People will perceive the same stressor in a number of ways and, therefore, react to it differently.
Estate planning must be a financial priority at practically any phase of life. Sometimes the words estate planning, financial planning and retirement planning are interchangeable and refer to the same type of planning. People who plan ahead to manage their assets and financial resources will use appropriate professionals such as tax attorneys, accountants, financial planners and insurance agents to maximize their legacy to future generations and the community. Also, they organize their estate and related affairs so their desires are understood by family members and decisions are made ahead of time so family members are not left with many unresolved or difficult questions as a parent grows older.
When a prepaid card is reloadable, it generally is meant for longer-term use. Funds initially are deposited on the card and the card can be reloaded with more money at any time. It is the “reload” feature that distinguishes prepaid cards from gift cards. Consumers even may choose to have a paycheck direct deposited to a prepaid card.
This aging population brief presents a picture of the health, finances and well-being of adults ages 65 and older in ND. The brief focuses on well-being indicators including population, health care, economics, health risks, and behaviors and health status as well as cognitive impairment and caregiving.
Money is an often-discussed topic in most families, usually centering on, “Where did it go?” More money usually is not the answer for solving financial concerns for most families. Instead, developing a plan for better money management will help most families feel more satisfied with their income and their progress toward goals.
The transfer of nontitled property, such as photographs and other family heirlooms, often creates more challenges among family members than the transfer of titled property.
Except for housing, most families spend more on transportation than on any other expense category. This publication can help you make wise decisions and learn ways to trim the cost of owning a car.
By knowing what to look for and shopping around, you can save thousands of dollars in closing costs and interest payments during the life of your housing loan or mortgage. This publication will help with ideas on making housing decisions.
A steaming bowl of soup is a hearty, healthful meal. You can use food from your pantry, freezer or leftovers from your refrigerator to make a tasty soup in about 30 minutes following these easy steps. Each pot of soup serves about four adults. The nutritional value varies depending on the ingredients you choose.
Finding ways to reduce energy use in a rented house or apartment may not seem easy. Here are a few simple things that can make a big difference to increase your comfort and reduce your energy bills if you rent.
Interested in starting your own business? To help make your decision, listen and gather information from a variety of sources. As you look at the information, you will find inconsistencies, plus some claims seem too good to be true. So what is fact and what is a myth? The following provides information about the realities of some of the more common entrepreneurial claims.
This publication provides strategies to improve your health and savings.
Recovering from a flood can be an overwhelming task, but this information from the NDSU Extension Service can help.
A individual may accumulate a variety of properties during a lifetime. Three estate planning tools discussed here are gifts, life insurance and annuities.