Healthcare Provider Update: Healthcare Provider for Saia Saia, a leading transportation and logistics company, offers its employees access to health insurance through various providers, primarily utilizing the health plans available in the Affordable Care Act (ACA) marketplace. As of now, specific healthcare providers associated with Saia may vary based on region and employee enrollment, but major insurers such as UnitedHealthcare, Blue Cross Blue Shield, and Cigna are commonly explored options within their offerings. Potential Healthcare Cost Increases in 2026 As we approach 2026, Saia employees should prepare for significant healthcare cost increases. Due to rising medical expenses and anticipated adjustments in benefit structures, many employees may face a greater share of their healthcare costs. The ACA marketplace is expected to see premium hikes averaging around 20%, with some states reporting increases exceeding 60%. These changes signal a crucial need for Saia workers to understand their benefit options, maximize their health savings accounts, and carefully select their insurance plans to mitigate the impact of escalating healthcare expenses in the upcoming year. Click here to learn more
Navigating the multitude of options available to secure a financially stable future can often feel overwhelming when it comes to personal finance. There are many options and complicated advice available when deciding whether to concentrate on paying off debt, making prudent investments, or increasing income. However, it is possible to become financially independent, as many professionals who have written enlightening books to assist people in this process have attested.
In an effort to simplify this extensive collection of resources, the esteemed Kiplinger Advisor Collective—one of the top organizations in the personal finance space—has selected seven exceptional books that offer priceless financial management guidance. These choices are tools for changing your financial perspective and behavior, not just books.
Napoleon Hill's 'Think and Grow Rich'
'Think and Grow Rich,' a famous book by Napoleon Hill, is highly regarded as a success guide. It shows that financial success is achievable with a strong belief in one's objectives, a well-thought-out plan, unrelenting pursuit, and teamwork. Dennis Futch of The Tax Shop said that one of the main tenets of Hill's teachings is this idea of self-belief and perseverance, citing the book as a crucial resource from his high school years. Saia employees can find great value in Hill's principles, applying them to both personal and professional goals.
William D. Danko and Thomas J. Stanley's 'The Millionaire Next Door'
This book explores the behaviors of those who have subtly amassed riches. It highlights ideas like the importance of compound interest and living within or below one's means. According to Dennis McNamara of wHealth Advisors, the book changed his perspective on wealth and gave hope that anyone from a low-income background might achieve the dream of becoming a millionaire. Saia employees can draw inspiration from these strategies to enhance their financial stability.
'Your Money Vehicle: How to Begin Driving to Financial Freedom!' by Collins Jedidiah
The work of Jedidiah Collins focuses on financial literacy, an important but sometimes disregarded facet of education. The goal of his book and the instructional program that goes along with it, Money Vehicle, which has been embraced by schools in more than 20 states, is to give young people the fundamental money skills they will need as adults. Lifestyle Investor Justin Donald supports this strategy, emphasizing its immediate advantages and useful uses. Saia employees, particularly those with children, can benefit from the principles taught in this book.
George S. Clason's 'The Richest Man in Babylon'
The everlasting financial lessons found in George S. Clason's book are told through ancient Babylonian parables. It is praised for its simple financial guidance that holds true both now and in the past. This book, according to Wasabi Technologies' Amrita Choudhary, has had a significant influence. She notes that its ideas may be immediately implemented to achieve wealth and financial stability on an individual basis. Saia employees can utilize these timeless principles to secure their financial futures.
Dave Ramsey's 'The Total Money Makeover'
Dave Ramsey's strategy starts with debt removal and consists of a number of doable actions leading up to financial recovery. 'The Total Money Makeover' presents a methodical approach to financial planning that prioritizes behavioral modification above intricate financial strategies. This book is recommended by Black Briar Advisors' Stephen Nalley for individuals looking for a disciplined route to financial freedom. Saia employees looking to eliminate debt and achieve financial independence will find this book particularly useful.
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Richard Carlson's 'Don't Sweat the Small Stuff...and It's All Small Stuff'
Richard Carlson's book conveys a philosophy that can have a significant influence on financial decision-making, even if it is not solely about money. It shows how important it is to keep your attention on the important things and not get too worked up over little things. Bob Chitrathorn, of Simplified Wealth Management's Wealth Planning division, values the life lessons that extend to personal money. Saia employees can benefit from Carlson's advice to maintain focus on their long-term financial goals.
Robert Kiyosaki's 'Rich Dad Poor Dad'
In his books, Robert Kiyosaki promotes financial wisdom and the purchase of income-producing assets rather than frivolous expenditures. Even if he doesn't share all of Kiyosaki's viewpoints, Zain Jaffer of Zain Ventures values his honest analysis on the responsible use of debt. Saia employees can apply Kiyosaki's lessons on investing and asset management to grow their wealth.
From strategic planning and investment to comprehending the psychological aspects of money management, each of these books presents a different perspective on personal finance. These books offer a strong basis for anyone, including Saia employees, wishing to improve their financial plan to build a thorough understanding of how to obtain and preserve financial independence.
The significance of estate planning in financial literacy is growing, according to recent studies, especially for people who are nearing or have already reached retirement. In 2022, the American Association of Retired Persons (AARP) conducted a survey which revealed that while more than 60% of Americans over 50 acknowledge the need of estate planning, fewer than half have revised their wills or estate plans during the previous five years. This highlights a significant void in financial literacy, which these suggested books somewhat fill by encouraging an all-encompassing method of shielding and preserving one's financial legacy.
It would be as difficult to navigate a wide ocean without a chart or compass as it would be to manage your financial destiny without assistance. Like diverse navigational instruments on a ship, the books suggested by the Kiplinger Advisor Collective serve as your navigational tools, each providing unique insights and techniques. With 'Think and Grow Rich' acting as your sextant, helping you visualize and work toward your goals, and 'The Total Money Makeover' acting as your solid helm, guiding you through the rough seas of debt, these books provide you the tools you need to set a course for prosperity and financial security when you're retired.
Saia employees can greatly benefit from the wisdom contained in these books. By integrating their insights into your financial planning, you can steer your financial ship towards a secure and prosperous future. Whether you're just starting your career at Saia or approaching retirement, these resources will help you navigate your financial journey with confidence and clarity.
What is the Saia 401(k) plan?
The Saia 401(k) plan is a retirement savings plan that allows employees to save a portion of their paycheck before taxes are taken out, helping them build a nest egg for retirement.
How does Saia match employee contributions to the 401(k) plan?
Saia offers a matching contribution to the 401(k) plan, which means that for every dollar an employee contributes, Saia will match a percentage up to a certain limit, enhancing the employee's retirement savings.
When can I enroll in the Saia 401(k) plan?
Employees can enroll in the Saia 401(k) plan during the initial eligibility period, which is typically upon hire, and during open enrollment periods thereafter.
What are the eligibility requirements for the Saia 401(k) plan?
To be eligible for the Saia 401(k) plan, employees generally need to be at least 21 years old and have completed a certain period of service, as defined in the plan documents.
Can I change my contribution rate to the Saia 401(k) plan?
Yes, employees can change their contribution rate to the Saia 401(k) plan at any time, subject to the plan's guidelines and limits.
What investment options are available in the Saia 401(k) plan?
The Saia 401(k) plan offers a variety of investment options, including mutual funds, stocks, bonds, and target-date funds, allowing employees to choose based on their risk tolerance and retirement goals.
Does Saia allow for loans against my 401(k) balance?
Yes, Saia allows employees to take loans against their 401(k) balance under certain conditions, providing a way to access funds for emergencies or significant expenses.
What happens to my Saia 401(k) if I leave the company?
If you leave Saia, you have several options for your 401(k) balance, including rolling it over into an IRA or another employer's 401(k) plan, or cashing it out, though cashing out may incur taxes and penalties.
How can I access my Saia 401(k) account information?
Employees can access their Saia 401(k) account information through the plan's online portal or by contacting the plan administrator for assistance.
Are there any fees associated with the Saia 401(k) plan?
Yes, there may be administrative fees and investment fees associated with the Saia 401(k) plan, which are disclosed in the plan documents and can vary based on the investment options selected.