image: iPhone XS Max vs Note 9 Katana scratch testTL;DR Accidental damage: for first incidents, phone insurance is worth it only for the most expensive repairs, i.e. iPhone XS/Max with AppleCare;Theft or loss: phone insurance is worth it.If you break the screen of the new iPhone XS Max or Galaxy Note 9, it will cost you the whopping $329 and $239 without insurance, respectively. Crack their backs, and the bill you are confronted with on the XS Max jumps to $599 and goes down to $99 for the Note's back panel. That's on top of about a week of turnaround time to get those replaced if you don't go to an Apple Store, and the only display provider is Samsung. If that is not a rallying cry to summon your inner grace each time you handle this phone or keep it in bubble wrap, we don't know what would be. Granted, you can always put an armored case around these glass puppies, plus a layer of screen protection, but, let's face it, it won't look as good. What if you are a phone nudist, and … [Read more...] about AppleCare vs Samsung Premium vs SquareTrade vs carrier prices, or is phone insurance worth it
Cheap insurance plans
The Trump administration this week released the final rule on short-term health insurance plans that are a cheaper alternative to buying individual insurance on the Obamacare exchange but usually offer far less comprehensive coverage. The rule comes just weeks after the administration broadened the reach of association health plans, another type of health plan that skirts coverage mandates established by the Affordable Care Act. The one-two punch is seen by the White House as providing more affordable options than consumers can find on the ACA exchanges. "From 2013 to 2017 insurance premiums more than doubled under the Affordable Care Act, shutting out tons of middle-class Americans who don't get subsidies," according to a White House press release. For instance, a standard silver plan under the ACA now averages $481 a month for a 40-year-old nonsmoker. A short-term plan might cost as little as $160 a month, according to some estimates. But lower premiums may be … [Read more...] about Short-term health insurance plans: What you need to know
Published 11:20 am, Tuesday, June 5, 2018 Were you injured in an accident? Has your teen gotten a traffic ticket or been charged with a misdemeanor? Do you need to handle a divorce or make a will? This may sound like an infomercial, but these are common situations where you might find yourself wanting some legal advice. Unfortunately, lawyers can be expensive. Personal legal insurance could help you get legal assistance for less. Read on for our in-depth guide to this type of insurance, from costs and coverage to the caveats you should keep in mind. How Much Does a Lawyer Cost? The cost of legal representation varies depending on the lawyer's experience, the type of case, the prestige of the law firm, and the part of the country you're in. You're most likely to pay by the hour — and that rate can be quite high. For example, look at the matrix of reasonable attorneys fees prepared by the U.S. Attorney's Office for the District of Columbia. For 2018, it lists a rate … [Read more...] about Do You Need Personal Legal Insurance?
Open plan offices are increasingly popular, and can be found in a diverse array of workplaces: from premium headphone manufacturers, to even international spy agencies. But they’re also, let’s face it, pretty awful. Proponents of the open-plan office design fête the fact that it permits greater collaboration — if you can see your co-workers, it’s easier to strike up a conversation with them and share new ideas. That’s good for company culture. However, the downsides more than outweigh that, as open plan offices are hugely distracting. Your productivity suffers if your concentration breaks whenever someone sneezes, or strikes up an unwelcome conversation with you. Countless companies have tried to address this problem with technology. Plantronics, for example, spent millions of euros on building a headquarters that used soundscaping to filter out distractions. And today, a New York-based company called ROOM (their caps, not mine) announced its new … [Read more...] about This eco-friendly phone booth solves the biggest problem with open plan offices
(WXYZ) - When he was diagnosed with two autoimmune diseases, Joel Hechler knew he’d be in for a battle. He didn’t realize maybe his toughest one would be with his insurance company.“I think they put the dollars ahead of a patient’s health,” Hechler said. “I don’t think they fully understand the impact the medicine will have on my long-term health and well-being."Hechler suffers from Crohn’s disease and ulcerative colitis, diseases that attack the lining of his digestive tract. Autoimmune conditions like his can’t be cured but, with the right medication, the symptoms can be controlled. Finding the right medicine can be hard for those suffering from autoimmune diseases. Even if there are scores of drugs on the market, some patients might only respond to one. In Joel’s case, his doctor thought he’d have a better chance trying a drug called Remicade.“I received a letter from my insurance company … [Read more...] about Step therapy: Doctors say insurance companies are undermining patient health