If you're going to be gone a long time or in a remote place, I would get it. For eaxmple, if you are going to remote Central America or Africa or Asia, yes. If you get seriously ill in these areas (which can happen, if you get malaria or TB or another infectious disease), you will probably want to be treated in a modern medical center and can get airlifted home or somewhere comparable. If you'll be somewhere with top-notch medical care, like Western Europe, I wouldn't worry so much if you are healthy. If you have any chronic medical problems (and get hospitalized i.e. if you have to go to the ER for asthma treatments, or something), I would also get it.The above applies if you are American.Some EU citizens get reciprocity (i.e. free health coverage) in a lot of countries.If you can't afford the travel insurance for whatever reason, at LEAST get a tetanus booster and antimalarials (if you are going to an area where there are malaria mosquitoes). Go to the Passport Health or Centers for Disease Control websites to see what other vaccines you also may need.

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What type of life insurance is it?If its the type where it builds cash value, you are covered for the rest of your life as long as you can keep up with the premiums. If you do the math, the amount of total premiums you put in will be more than what is in the cash value at any given point of time. That’s why cash value grows tax-deferred. You are paying at a loss and this loss is not even tax-deductible!If its a 20 year term insurance, you get nothing back. Why? Just like car insurance, if you stop paying, you lose coverage. They don’t build cash value. So premiums are very low, making it affordable for the family to get the right amount of coverage. In the mean time, you should be investing into your future. I would open an IRA account and invest. If you invest $200/month and your portfolio gets an average rate of return of 12%, in 20 years you will about $200k. In 25 years, $380k. In 30 years, $706k. And in 35 years, $1.299 million.Are you going to get 12%? I don’t know. It all depends on what you invest in and how you go about it. Are you invest once a year, once a month, or whenever you feel like it? I have a Roth IRA and I put in $100/month. My portfolio currently has an average rate of return of 14%. I’m only 25, so I still have lots of years to go before I retire. Hopefully I will make more income so that I can put in $200 or $300/month.

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If you can itemize deductions,you can claim it and other medical costs as long as the total medical deduction exceeds 7.5% of your gross income. Medical expenses include hospital,doctor,lab,eye exams and insurance premiums,dental and insurance premiums,prescriptions,transportation costs to medical appointments. Some of these also include any money you spend for other people and are not reimbursed for. So if you pay a Dr. bill for a neighbor and do not get repaid for it,you can claim it on your medical. If you help your parent(s) with the cost of their prescriptions,you can claim those costs as well. You do need to keep records to back up your claims for the deduction. Other tax credits and deductions also help lower your tax obligation,but they must also exceed your standard deduction for your filing status.

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This is getting a bit more subjective, but I much prefer the Zune Marketplace. The interface is colorful, has more flair, and some cool features like ‘Mixview’ that let you quickly see related albums, songs, or other users related to what you’re listening to. Clicking on one of those will center on that item, and another set of “neighbors” will come into view, allowing you to navigate around exploring by similar artists, songs, or users. Speaking of users, the Zune “Social” is also great fun, letting you find others with shared tastes and becoming friends with them. You then can listen to a playlist created based on an amalgamation of what all your friends are listening to, which is also enjoyable. Those concerned with privacy will be relieved to know you can prevent the public from seeing your personal listening habits if you so choose.

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