Investing in health insurance is very important for individuals of any age. A health insurance policy is like an umbrella on a rainy day. It will keep you safe from the increasing medical expenses and the cost of hospitalization in case of an illness. Different health insurance plans operate differently and it is best to understand their features and costs before investing in one.

Popularly known as over-the-counter stocks, penny stocks often trade at a rate of $5 or less per share. They are stocks of companies that have low share prices. These are preferred by beginners who have just stepped into the investing world since they are quite reasonably priced. Following are the top 5 penny stocks for 2018:

The concept followed by a secured credit card is simple—spend the amount that you are capable of. The cards basically have a balance amount that is deposited by you. For example, you may deposit a balance of $100 and this becomes your credit card limit. Apart from being of help during an emergency, secured credit cards also help restore a good credit score in your favor.

A prepaid debit card is an excellent substitute for a traditional bank account. It has much of the same features and is a great way to keep your expenses in check. You can save up on the overdraft fees and use this card to get great perks and rewards. Following are the best prepaid debit cards to use this year.

Most investment experts suggest the addition of oil stocks to your investment portfolio. The prices of these stocks have risen considerably in the first half of 2018 and are expected to stay in a good position for quite a while. Given below are some good options that you may consider in the list of the top oil stocks to buy:

A certificate of deposit (CD) is a time deposit that is quite similar to a savings account. It helps you earn interest and carries minimal risk. CDs are available in various denominations and have a fixed maturity period and a fixed interest rate. It is best to compare the CD rates before you decide to choose a particular bank.

There are a number of factors to be considered when applying for a credit card. Apart from the annual percentage rate (APR) and the transfer fees, you also need to take a good look at the perks offered by the card. Here is a list of the top 10 credit cards of 2018.

Medicare is a program by the government which offers health care coverage for individuals who are above 65, or individuals who are under 65 but diagnosed with an end-stage renal disease, or individuals below the age of 65 getting Social Security Disability Insurance for a specific period of time. After you become eligible for Medicare, you need to enroll during the open enrollment period and choose to get the benefits from the Original Medicare.