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All posts in: Personal Finance
Financial Literacy – Definition, Challenges, and Good News

Financial Literacy – Definition, Challenges, and Good News

As you may or may not know, April is Financial Literacy Awareness Month. Shannon at the Heavy Purse organized an event today where various bloggers all write about the topic of financial literacy. According to Wikipedia, financial literacy is: The ability to understand how money works in the world: how someone manages to earn or […]

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5 Major Components of Health Care Reform and What They Mean for You

5 Major Components of Health Care Reform and What They Mean for You

The new Health Care Reform law in the United States, known formally as the Patient Protection and Affordable Care Act (PPACA), is a complicated law. Today I want to go over five of the major components of Health Care Reform and what they mean for you. Some won’t affect you at all and never will; […]

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Why You Need Health Insurance

Why You Need Health Insurance

Being in good health is priceless, and staying in good health requires that you have access to health care. Nevertheless, there are millions in the United States who are not covered by health insurance. While I do not pretend to know every person’s financial and life situation, I hope by the end of this post […]

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What are Health Insurance Exchanges and How Do They Work?

What are Health Insurance Exchanges and How Do They Work?

Health Care Reform in the United States was a groundbreaking law that already has drastically changed the health care landscape. From the Medical Loss Ratio that put refund checks in the mailboxes of millions of Americans, to a mandate that forced health insurance companies to continue to cover dependents on their parent’s plan up to […]

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The REAL Cost of Sinus Surgery

The REAL Cost of Sinus Surgery

Yesterday I wrote a post about the cost of sinus surgery. Unfortunately, after making a few calls to confirm things, the costs are much higher than I first thought. Originally I thought the entire procedure would cost between $2,000 and $3,000. That’s because the original quote I got was only the physician’s fees. Isn’t that […]

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The Cost of Sinus Surgery

The Cost of Sinus Surgery

In less than three weeks I will be having a septoplasty and endoscopic sinus surgery. I have essentially had a chronic sinus infection for the past eight-plus months, though I’ve had problems off and on for three years. Long story short: I’m having surgery to correct the problem. A septoplasty is done to straighten a […]

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What Loan Officers Look at When You Apply for a Home Loan

What Loan Officers Look at When You Apply for a Home Loan

About a month and a half go my wife and I got pre-approved for a home loan. Many young adults are curious about what loan officers look at when considering you for a home loan, and some of them don’t find out until they are sitting in a loan officer’s office. Thankfully for us the […]

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Advantages of Owning a Home vs Renting

Advantages of Owning a Home vs Renting

My wife and I are looking to purchase our first home. We have been pre-approved and tonight for the very first time we are looking at some homes that are on the market. This has led me to reflect on some of the advantages I currently have in renting vs. some of the advantages I […]

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First Time Home Buyer Class and Posts of the Week

Happy Friday everyone! As some of you may know, my wife and I are currently in the process of buying our first home. In Minnesota there is a specific loan you can get as a first time homebuyer, but there are a few catches. One of those is that you have to attend a “Home […]

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