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1)
A
perfect financial storm could be on the horizon
- Health
insurance premiums and health care costs are
skyrocketing
- Fuel
costs continue to rise
- Wage
increases are lower than inflation
- Consumer
laws passed to increase minimum monthly credit card
payments from 2% to 4%
- Interest
rates are increasing, causing payments on adjustable
rate loans to increase
Union
Plus Credit Counseling, provided by Money Management
International (MMI), can help union members prepare. MMI
is the nation's largest, non-profit credit counseling
and financial education provider.
Union
Plus Credit Counseling can help you evaluate your
current financial situation, plan a budget, and
establish realistic financial goals. When appropriate,
experts will even work with you and your creditors to
develop a payment plan that may reduce interest rates
and lower monthly payments.
Visit
UnionPlus.org/CreditCounseling
or call 1-877-833-1745
- available 24/7.
TIP:
Experts
recommend you have enough savings to cover 3 to 6
months of living expenses. The key is getting
started... and don't be afraid to start small. The
money you put back in your pocket by cutting back on
premium cable services or skipping that expensive
morning coffee can be the basis for a growing savings
account.
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2)
Shop
smarter with ConsumerReports.org
 Get
objective advice from the experts at Consumer
Reports and start making wiser purchase choices by
reading product reviews, Ratings, buying guides
and more. And because you or a family member
belong to a union, you automatically benefit
from the
Union
Plus 27% discount on
ConsumerReports.org at UnionPlus.org/ConsumerReports.
Did
you know...the
Newspaper Guild of New York (CWA Local 31003)
represents nearly 300 workers at Consumers
Union, publisher of Consumer Reports ... from
the engineers who test the products to the
writers and editors who produce the stories to
the office and clerical workers.
Sample
tips
from ConsumerReports.org
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3)
Are
you spending too much out-of-pocket on dental care,
vision care or prescriptions?
 Do
you have good health care coverage, but limited or
no coverage for dental, vision, hearing or podiatry?
- Do
you have good coverage, but some of your family
household members need help in reducing their costs?
If
you answered yes to any of these questions, Union
Plus Health Savings might be able to help.
Union
Plus Health Savings is moving to a leading provider of
health care savings, CAREINGTON
International,
allowing us to make some important changes to serve you
better. The program offers great discounts through
national chains and networks of health providers; it is
not insurance. Recent changes include:
Fee
Changes.
The annual fee for the Union Plus Health Savings Premium
Plan for new plan members is now $69.95/year. The
member-only savings is still substantial, especially
compared to similar plans costing $150 or more.
The
Standard Plan is $14.95 per year (or a one-time charge
of $4.95 if you join using a Union Plus Credit Card).
Cash
Plans.
Now plans can be purchased by check or money-order (in
addition to credit or debit cards).
New
online
form to sign up for the Premium program and an enhanced
provider search.
Visit
UnionPlus.org/HealthSavings
or call 1-877-570-4845.
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