TessMore Finance Blog

Contrary to popular belief, Medicare isn’t free. Monthly premiums, copays and yearly deductibles add up quickly — not to mention out-of-pocket costs on prescription drugs. Navigating Medicare’s complex system by yourself can be overwhelming. It feels easier to just stick with your current plan and hope for the best. But staying put can mean losing out on huge savings — potentially thousands of dollars a year. If you want to explore your Medicare options but don’t know where to start, a network of free federally-funded programs can help. What Is the State Health Insurance Assistance Program? The State Health Insurance Assistance Program , or SHIP, is a national network of trained volunteers who provide one-on-one assistance, counseling and education to Medicare beneficiaries, their families and caregivers. SHIP was created more than 30 years ago under the Omnibus Budget Reconciliation Act of 1990. Each state uses federal grant money to administer its own SHIP. Your state’s progr

If you’re on the lookout for a new job that pays well, your timing could not be better. According to U.S. Bureau of Labor Statistics (BLS) figures, the job market is bouncing back — there were 11 million job openings across the country in late 2021 — and all indications point to a rise in opportunities for people with varying levels of experience, skills, and educational credentials in 2022.  Don’t have a degree? Don’t worry. There are plenty of well-paying jobs you can land without a four-year degree or community college experience. The best part is that instead of spending years paying off debt like student loans, you can leverage your earnings to create real wealth. This article provides insights into some of the best opportunities for a job seeker who doesn’t have a college degree. It also sets forth valuable information regarding how you can manage that extra income so you create your Rich Life filled with freedom and enjoyment.  Can you get a high-paying job without a degree?

Some of the links in this post are from our sponsors. We provide you with accurate, reliable information. Learn more about how we make money and select our advertising partners . Quick Navigation 9 Ways to Pay for a Pet Emergency Pet Insurance 101 Paying for a Pet Emergency Without Pet Health Insurance Emergency Savings Credit Cards Personal Loans Payment Plans With Your Vet Low-Cost Clinics Local Animal Shelters and Rescue Groups Crowdfunding Grants and Funds Pet emergencies, like human emergencies, are unexpected, scary and expensive. In fact, veterinary care in the U.S. is a $31.4 billion industry, based on data from 2020. With costs expected to continue to rise in 2022, how can you ensure that your pet receives the best care in the event of an emergency? First, you need to plan ahead for something you hope will never happen. 9 Ways to Pay for a Pet Emergency Here are the nine ways to pay for a pet emergency and we break them all down in this post. Insurance

For companies, finance is one of the most crucial parts of operating. Usually, this finance comes from two sources, equity, and debt. Combined, they constitute a company’s capital structure.  This structure allows companies to decide the ratio between equity and debt finance. Companies can also obtain finance from other sources, for example, hybrid instruments, etc. Nonetheless, equity and debt finance are the most common sources. Equity finance comes from a company’s shareholders. For other businesses, the owners contribute funds, which constitute this finance source. This finance stays with the company perpetually. Usually, equity finance generates from the issuance of stock or shares. Debt finance, on the other hand, comes from lenders. These lenders include financial institutions. Companies can also generate this finance through debt instruments such as bonds. Undoubtedly, all companies require funds to perform their activities. Whether running a product- or service-based busines

How do you adjust professionally if your partner or spouse is constantly on the move? I don’t mean someone driving a truck for a living, or running on a treadmill to shed some pounds. I mean it in the “occupational hazard” sense — they’ve willingly entered into a profession that necessitates moving to new cities on a regular basis. Being a military spouse makes job hunting that much more difficult. While numerous professions require their employees to frequently relocate, this problem specifically affects military families in particular. About 32 percent of military spouses and spouses of recent veterans are unemployed, according to a report by the U.S. Chamber of Commerce, a rate that’s significantly higher than the current unemployment rate of Americans between the ages of 18 and 65. These “trailing spouses” have to constantly innovate to fit into new circumstances and find new work each time they move and are often unable to make the professional inroads necessary to findin

Let’s face it – no one shops around for the highest interest rate they can find when they need a personal loan. Instead, you should only consider higher interest loans as a last resort. But sometimes, a financial emergency or other circumstance requires that you obtain the easiest and fastest loan you can find. For this reason, no credit check loans, also known as emergency loans, have their place in the lending community. I’ll share the best places to find a no credit check loan in this article, but I’ll also point you towards some viable alternatives. If you find yourself in a sudden pinch, for whatever reason, this one’s for you. Table of Contents What Is A No Credit Check Loan? A Note of Caution Regarding No Credit Check Loans Best No Credit Check Loan Companies 1. NetCredit 2. LendingPoint 3. Upstart 4. OneMain Financial 5. Bad Credit Loans 6. CashUSA No Credit Check Loan Alternatives Secured Loans LendingClub Your Local Bank Should I Get A No Credit Che

When buying a car, individuals will encounter various financing options. Usually, every car dealer, broker or supermarket offers a finance scheme. Each program comes with its advantages and disadvantages. Buyers can choose the option that best suits their needs.  Apart from those needs, a crucial factor in the decision is the costs associated with each scheme. Most buyers will aim to decrease or minimize those costs. The issue with various car financing options is that it creates confusion between buyers. Moreover, each source involves benefits and drawbacks, which can be confusing. The reason why various finance sources exist to fund car purchases is to provide buyers with variety. However, some options may also seek to exploit buyers and charge them extra. Therefore, they should steer clear of them. Sometimes, buyers may also find their dream car. However, the car dealership may refuse to sell them if they don’t use their in-house finance. Some buyers may wonder whether car dealers

Raising any child is expensive, but when you’re raising a child who has special needs, there are additional financial responsibilities to consider. The cost of doctor’s visits, therapy appointments, medication and special equipment add up. The amount of time needed to provide care may restrict you or your partner from working outside the home — or even at all. Depending on your child’s condition, you may need to provide them with lifetime support. It can be overwhelming just dealing with the medical and emotional aspects of your child’s particular challenges. Here’s what to know so your finances don’t add to that stress. 4 Money Moves for Families of Children With Special Needs 1. Apply for Government Benefits After your child is diagnosed, you’ll want to speak with a social worker who can help you understand what assistance may be available to your family and how to apply for that aid. Your child’s physician may be able to recommend a social worker, or you can contact your city