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Beginning today, February 27, 2012, Android mobile phone users will be able to download an application designed specifically for Google Android devices.
For users already enrolled in MutualMobile, follow these easy steps to getting your app!
If you have not yet enrolled in MutualMobile, it only takes a few minutes! (And it's FREE!)
Have you ever thought about how much your prescription or doctor visits cost your employer? Many people who have a traditional insurance plan know they pay a $20 or $30 co-pay then they go about their day. But have you ever looked at the amount your company pays?
Insurance costs have skyrocketed over the past decade and companies have tried to find a way to still offer benefits to their employees. The solution has been to offer a high deductible insurance plan. These types of programs are often accompanied by something called a Health Savings Account (HSA). Simply put, a HSA is a checking account where money can be deposited and used for medical expenses. (You might have heard of a Flexible Spending Account, FSA, which is similar to a HSA, but different. FSAs require you to use your money set aside before the year ends. HSAs allow you to roll money over year after year. There are other differences as well. Learn more about HSAs through the Treasury’s website.)
So, are HSAs a good idea? Yes! HSAs make us better consumers of our health care. We look closer at a bill or prescription if we know it will come out of our pocket. We take the time to make sure if a generic medicine is just as good as a name brand, or if we truly need to go to the doctor for our sniffles.
The beauty of a health savings account is that the money grows tax free as long as we use it for qualified medical expenses. So not only are we being more proactive with and aware of our healthcare, we are being smart about our money as well!
Together, a health savings account and a smart consumer make for very healthy living!
If you have questions about your HSA or want to learn more, chat with us! Your local MutualBanker is here to help you live a better life!
My age is on my mind. I’m 50, my favorite (& only) hubby just turned 50. I need to simplify my life. I need ‘easy,’ so I can spend more time doing the things I need and I want to do, like:
When it comes to my finances, the benefits of having multiple relationships with my bank are many – everything is in one place; I don’t have to work to remember which loan is where; which financial institution my checking, savings, CDs are – and ditto for my family. After all, my 50-year old brain is getting full, and I do have ‘senior moments’ on occasion.
I admit I have had multiple relationships with other financial institutions. Why? Mostly, my laziness in moving accounts when I built my current banking relationship and just letting them “be” when I knew it was just making my life more complicated. I got numerous paper bank statements – mine, my husband’s, my daughter’s. Translation – more paper for me to file, keep track of, give to my accountant, shred, or heaven forbid, lose….
Having one bank is oh, so much easier. I’m a convert to electronic banking and all that entails – bill pay, e-statements, automatic deposits. And if you’re worried about security, yes (my age-level friends) – it is safe. With FDIC insurance on deposits and multiple electronic safeguards in place to keep my information safe, I’m comfortable – albeit it was not initially easy to convince me. I have had, knock on wood, no instances of fraud or theft since moving to electronic.
Now, I have password protected access to my internet banking, from anywhere, including my cell phone – where I can see on one page – my checking account balance & transactions; my savings account; CD; mortgage, and personal loan. I know, at any point in time, my total balances in each of those. I get most bills electronically (remember – less mail to sort through = more time for ME), and can set up a payment for future dates. My life is incrementally simpler, in many ways thanks to my bank.Come on, fellow 50-year olds – I know we are on the cusp of liking the old ways – paper checks, snail mail, filing, and more filing. But, wouldn’t you like more time for yourself?