Summer vacation is a great time for families to go out and do things together. Visiting amusement parks, dining out, and staying in hotels can end up costing a lot of money. Travel expenses can quickly add up, too. Here are some frugal tips that will help your family enjoy summer vacation without having to go into a lot of debt. Pack some snacks. Make use of your child’s lunchbox this summer. It is the perfect container for easy to eat snacks that your family can bring along on car trips. Instead of stopping the car at the nearest fast … Continue reading →
When was the last time you ordered room service? If you are adhering to a strict travel budget, then splurging on a formal meal to be delivered to and consumed in the privacy of your hotel room may be out of the question. Or is it? Recently, some hotels have been experimenting with a frugal version of room service much to the delight of budget-conscious guests. PUBLIC Chicago, a boutique property in the Windy City, has been garnering headlines for its affordable room service described as “fast food with little human interaction.” The service is called “PUBLIC Express,” though instead … Continue reading →
While all of the little things that we do on a daily basis can add up to great savings, sometimes we just need to find a way to make a big impact on our finances. For example, we may be experiencing a pay cut or loss of income, or facing a large expense, such a new furnace for the home or braces for a child. In these moments, we need a quick one-step action that will yield big savings. My husband and I are pushing to build up our emergency fund, just as prices for everything seem to be going … Continue reading →
By now, you have undoubtedly heard of the Affordable Care Act. When it is discussed, people tend to use jargon and phrases that you might not entirely understand the meaning of. Fortunately, there is an Affordable Care Act Glossary at HealthCare.gov that can help you. The Patient Protection and Affordable Care Act (also know as the Affordable Care Act or “Obamacare”) was signed by President Obama in 2010. It is a series of health reform laws and regulations that are designed to help consumers find affordable health insurance coverage. There are a whole lot of terms that people use when … Continue reading →
The very first bill that was introduced to the brand new 113th Congress came from Representative Michele Bachmann. The purpose of the bill is to repeal the Affordable Care Act. The same type of bill was presented to the 112th Congress 33 times. None were voted into law. The Patient Protection and Affordable Care Act was signed into law by President Obama on March 23, 2010. It is, without a doubt, the biggest set of regulations on health reform and health insurance that has ever been passed. The name is often shortened to Affordable Care Act, or ACA. Some refer … Continue reading →
Without a doubt, the most talked about, most controversial, biggest health insurance law is the Patient Protection and Affordable Care Act. It is often referred to as the Affordable Care Act. Some people call it Obamacare. 2012 was a big year for the ACA. Here’s a quick review of some of the highlights. On June 28, 2012, the United States Supreme Court revealed its decision about the Patient Protection and Affordable Care Act. The Justices decided 5 to 4 that the Affordable Care Act would stand and would continue. In other words, it was declared to be constitutional. It was … Continue reading →
Governor Gary Herbert wants the Obama administration to approve Avenue H, Utah’s version of a health insurance exchange. While it fits some of the requirements of the Affordable Care Act, Avenue H does not meet all of the standards for state-based exchanges. The Governor is intending to go forward with Avenue H even if it is not approved. The Affordable Care Act requires all states to have a health insurance exchange. There are three options. One option is to run a state-based exchange. Another option is to have an exchange that is a partnership between a state government and the … Continue reading →
Florida has been working on a health insurance marketplace called Florida Health Choices. It does not comply with the requirements set in place for insurance exchanges by the Affordable Care Act. What does this mean for the Florida program? According to the Kaiser Family Foundation Health Reform Source, Florida started working on an initiative called Florida Health Choices in 2008. When completed, it will be a web portal that individuals, and small businesses, can use to find health insurance coverage in Florida. Florida started beta testing the web portal in September of 2012. Florida Health Choices has some similarities to … Continue reading →
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My husband and I were watching Elder Ballard’s talk last night titled, “Be Anxiously Engaged“. He spoke mostly of how much better the world would be if we were like the worker bees that worked together and were constantly doing our part to provide service to our fellow man. I totally agree. If we can find those people in need, and serve them, then our lives will be happier, and the world will be a better place. However, after the talk was over, I turned to my husband and asked him, “Does attending to every need my three small children … Continue reading →
