News from the Research Desk

News from the Research Desk Blog

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Free DMV Permit Practice Tests

You can take free permit driving tests for car or motorcycle through our web resources page with our new site, Driving Test Prep. These are multiple choice questions and you can see the results immediately. Also available are practice tests for the CDL (commercial driver’s licence). This is an excellent resource for new drivers but also a great way to test your knowledge even if you’ve been driving for decades.

Talk to Your Teens About Money

It’s the time of year when many of us make decisions about our employee benefits for the coming year–“open enrollment” season. The Office of Financial Education, a part of the Consumer Financial Protection Bureau, offers this sound advice:

You can guide your children in finding the financial help they need

The financial world of today isn’t the same world you grew up in. New services and choices are being offered all the time. For your children to navigate the new financial world they’ll face, they need to know when to seek out information and how to evaluate it. Your children need practice making money choices, and they could use your guidance. At this age they may be earning some money of their own. Now, as you make benefits choices for next year, think about including your teenager in your decision-making process. You can help your teenager think about how to use information to make a good decision. If you have benefits fact sheets or Web sites from your employer, sit with your teenager and go through them. Talk through the questions your child has, and ask a few questions of your own:

  • What is the most important thing to think about for the family’s health care? Why?

  • Have there been any changes in the family since last year that could make a difference to health care? To insurance? To flexible spending dollars?

  • What could be the advantages or disadvantages of having benefits deducted from your paycheck, compared to paying the costs on your own?

  • How trustworthy is the information you receive? How would you look for further information?

You don’t have to do anything you wouldn’t do normally, when you make your benefits choices. Just by showing your teens how you approach enrollment, you’re helping them practice the decision-making process before their own paychecks are at stake. For more ideas, visit www.consumerfinance.gov/parents.

Searching Consumer Reports Made Simple

if yoConsumer-Reports-Logou were familiar with the convoluted method of searching the Consumer Reports databases through MasterFILE, you will be relieved to hear those days are over. Consumer Reports is now easier to search through Article Finder. We have set up a special link to help you. Click here – Consumer Reports – and put whatever items you need reviews for in the box, then hit enter. You’ll find it’s an easy and modern search!

Insurance Enrollment Assistance

It’s the time of year when many health insurance decisions must be made. If you need assistance in determining the best options, here’s some help:

Medicare Open Enrollment:

The Medicare Open Enrollment period began on Oct. 15 and runs until Dec. 7. The Illinois Dept. on Aging offers assistance through the department’s Senior Health Insurance Program (SHIP.) Their counselors can explain the drug, health, and supplemental plans that are available. The nearest SHIP sites are at Arlington Heights Senior Center (847/253-5532) and Wheeling Township (847/259-7730.) For additional SHIP information, call 800/252-8966 or click here.

The Village of Mount Prospect Human Services Department also offers assistance for Medicare Part D (prescription drugs) enrollment. Call 847/870-5680 to set up an appointment.

Affordable Care Act Marketplace:

The enrollment period for uninsured people to sign up for coverage through the Illinois Marketplace runs from Nov. 15, 2014 to Feb. 15, 2015. If you want your insurance coverage to start on Jan. 1, 2015, you must enroll by Dec. 15, 2014.

The Library is offering several programs to assist those using the Illinois Marketplace. Representatives from Get Covered Illinois will present an overview program,” Affordable Care Act Update,” on Oct. 29 at 7 p.m. The Library will also host two enrollment events with trained navigators from Get Covered Illinois to provide assistance in navigating the site and signing up for insurance. The enrollment events are on Dec. 13, 2014, and Jan. 31, 2015,  from 10 a.m. to 2 p.m. To schedule an appointment, call 847/392-8682 ext. 227. Walk-ins are also welcome.