As the school year ends, we’re starting to get the paperwork and stuff to make decisions for next year.  I signed up this week to downgrade to our cheapest health insurance plan.  I’ve been paying close to $500 a month for the last two years.  And in those two years, we’ve made one small doctor’s office claim – that’s it!  I decided it just wasn’t smart to keep paying this much.  I’m just hoping this doesn’t jinx us and cause us to have a year of health issues this year. They’ve also been around trying to sale other types of insurance – long term care, disability insurance, credit watch stuff, and on and on and on. I’ve watched a lot of people trying to make these decisions on these extras, and … Read entire article »