138 karma · joined July 2, 2011
Get a high deductible. A low deductible is nice as part of a group plan, but when you're not on a group plan you're just over paying for extras. Instead, get a health savings account (HSA) and save income (tax free) for the purpose of paying for your health services before you meet your deductible.
Keep your health insurance primarily for major issues. You want insurance there if you get cancer or you're involved in a life threatening accident. You're better off paying for the minor things with an HSA.
For International travel, get travelers insurance. I spend a lot of time in Asia and I use FrontierMedEx. They'll pay your doctors fees in cases of an emergency and will fly you back to the US if you need major care. You only pay for travelers insurance while you're traveling and it's reasonably cheap too. I pay less per month for FrontierMedEx than I do for Humana.
Good luck!
I don't usually have much spare time, although it's not because of my billing practices.
If you're doing projects that are only going to last a week or two, just get 50% up front and 50% on completion.
You should, however, not include their company name in your code or descriptions.
So far, from what I've seen, companies who use it love it.
I think it's a safe bet that it's not going away and will only get better.
I want to be able to scan all the articles on Hacker News even if I can't log onto Hacker News for days at a time. There's useful information here that I want access to but I can't be at my computer clicking reload on the Hacker News homepage every 30 minutes.