Wednesday, September 17, 2025

Sang Lucci

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Viewing 3 posts - 1 through 3 (of 3 total)
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  • in reply to: Common Insurance Scams & How to Spot Them? #989
    Sang Lucci
    Participant

    Yes insurance scams are the worst! As a bank clerk, I’ve seen customers get hit with some shady stuff. Once, a coworker got a call from someone claiming to be from their insurer, pushing for payment info over the phone is a huge red flag! Common scams include fake car accident claims where someone bumps you on purpose, then blames you, or ghost brokers selling cheap, fake policies online. I almost fell for a too-good-to-be-true health plan once, but checking the agent’s license on the state insurance website saved me. To spot scams, watch for pushy salespeople, sketchy deals, or random calls asking for personal details. Always verify the insurer and document everything like photos, names, anything related to personal stuff first.

    in reply to: How to Choose the Right Health Insurance Plan? #988
    Sang Lucci
    Participant

    Hey, picking the right health insurance plan as a bank clerk can be a bit of a puzzle. Since you’re probably juggling a busy schedule, start by thinking about your health needs. Any regular check ups or meds you rely on? Make sure the plan covers those well. Compare premiums and deductibles to match what you can swing with your paycheck. Check if your go to doctors or nearby hospitals are in network to avoid surprises. If you’re eyeing extras like dental or vision, see if they’re included. And don’t skip the fine print those sneaky exclusions can trip you up!

    in reply to: What percentage of income should go to savings? #651
    Sang Lucci
    Participant

    As a student in newyork, saving plays a huge part in order to cutoff for the things that I personally like to buy. Knowing the fact that there is a family who is supporting me, but still as a university student there is a planning that we need to do as well.

    I can explain the expenses and wants and savings in percentage below:
    50 % is the Needs _ food, transportation, study supplies, minimal rent
    30 % are my wants like Guitar strings, Sneakers, new jacket, New books etc so these are the things that are depreciable overtime and requires investment.
    remaining 10 – 20 % are the expenses for the savings that are a must.

Viewing 3 posts - 1 through 3 (of 3 total)