Cheap Beauty
Posted by Sarah at 5:44 pm in Romantic

You do not have to break the bank trying to look nice. Make-up can become expensive at department stores and hair dyes, accessories, and other products don’t have to come from a salon to be effective.

If you have a blind date coming soon, or a special event sneaking up on you and you just don’t have the right shade of eye shadow to go with your outfit you can always improvise. Most department stores offer make-over’s with no appointment. Slap on your evening outfit, clean your face of any other cosmetics, and head over to your local department store. You can get the full facial, choose your specific colors, and be done in less than fifteen minutes.

Don’t be bias when it comes to generic perfumes. These ‘off-brands’ can equal big savings and usually provide more sprays for your money. The scents are usually close equals and no one will know the difference.

Do not let your old hair stylist scare you out of buying a box of hair coloring. Buying hair dye from a specialty salon will only cost you more. You get a good and equal quality product of hair dye when you purchase a box from a retail store. As long as you follow the directions you are set for the maximum amount of time that most salon hair dye’s offer.

Don’t spend hundreds on a one day spa treatment when you can buy a bath conversion kit for much less. Retail stores offer bath jet’s for spa quality massages in your own bathtub. Most cost less than fifty dollars and come with a warranty.

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If you need to purchase private health insurance and you have a pre-existing medical condition, there are just two words for you – comparison shopping.

Pre-existing conditions are important in the process of underwriting insurance, as this is how an insurance company determines how much risk an individual poses.  Each policy or group of policies can only accommodate so much risk.  Too much risk, and there’s the possibility that too many claims could be filed that it would bankrupt the reserves for that policy.  Lower risk means that premiums can be lower and the cost savings can be passed along to the customers.  However, as someone who’s shopping for private insurance, expect to pay more overall for your policy.

If you’re shopping for private insurance and you have a pre-existing condition, you’ll find that some insurers will cover you and others won’t.  Again, this depends primarily on the underwriting guidelines for each company and policy.  An independent agent who represents a number of companies may have an easier time helping you find some options than an agent who works with a single company.  You should plan to talk with several companies and agencies to find the best deal for you.

But first, a word of caution.  You may be tempted to avoid telling a prospective insurer about any pre-existing conditions you have.  This is a very bad idea.  Lying on an insurance application is insurance fraud.  Furthermore, if it’s determined that you lied on your insurance application, your coverage will be canceled and you may have to pay back any amounts that have been paid out on your behalf.  When it comes to insurance applications, honest isn’t merely the best policy – it’s the only one you should follow.

If you have a pre-existing condition and you’re switching to private insurance from a plan you’ve had through work, obtain insurance as quickly as you can.  If there’s no gap in your coverage, your pre-existing condition may be covered.  You also have the option to extend the coverage you had through work under the COBRA program.  This can be expensive – less so than it used to be – but may be a good choice for you until you can secure other insurance.  And currently, if you were fired or laid off from your job, you may qualify for a government subsidy that will pay 65% of your COBRA premiums.

Unless a medical condition is an absolute bar to coverage, you may find a policy that will cover you for all conditions except the pre-existing condition, but will provide coverage for the pre-existing condition after a certain period of time has elapsed.  If you find more than one such policy, compare them carefully to see which is the better deal.

In addition, if you have a pre-existing condition, you may have better luck finding private insurance if you belong to a group.  The more insured people that the risk is spread across, the lower your premiums will be and the greater the likelihood that you may be accepted.

If you’ve worked with a number of agencies and insurance companies and haven’t been able to find any insurance coverage, you aren’t completely without options.  Some companies offer discount plans that can get you reduced rates for doctor’s visits and medications when you choose providers within a specific network.  Although this isn’t full insurance, it can mean a substantial savings over having to pay for these things out of your own pocket.

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