When the Affordable Care Act was signed into law by President Obama on March 23rd, 2010, one of the things that went into effect was profit caps on health insurance companies. If a company does not spend enough of a customer’s premium on medical costs, the customer will receive a rebate. The ratio that determines […]
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As I mentioned earlier this week, one thing my wife and I have been doing is using coupons on groceries (and other things). My wife was gone the past couple weeks on a trip to Colombia, so I was stuck with coupon duty. It’s not the only time I’ve couponed; I did it once before […]
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Today I want to tell you about three things we have started doing in the past nine months or so to cut our expenses. We are in debt from student loans and have some ambitious goals (home ownership, travel, rental property, etc.) so it’s important to us to save money where we can so that […]
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Today I want to discuss the “triple tax advantage” offered by Health Savings Accounts (HSA). With most of the key provisions of the ACA effective Jan. 1, 2014. Health Savings Accounts are tax-advantaged medical savings accounts. Similar to retirement accounts, HSAs offer both a savings vehicle for future expenditures as well as some nice tax […]
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A fun little thing that J. Money over at Budgets Are Sexy started was the Million Dollar Club. Essentially all you have to do to join the club is write a millionaire “to do” list. This should include realistic goals that will help your net worth reach a million dollars. If someone told me they […]
Read More >>There are good deals and there are bad deals. Today I have a story about two bad deals that my wife and I bought into using a discount site called Crowd Cut. Some background: Crowd Cut is one of those start up coupon/discount sites that try to mimic companies like GroupOn. Crowd Cut currently only […]
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Today I’m posting about Spotify, one of my absolutely favorite “new” companies. I first heard about Spotify about eight or nine months ago. I’ve been a paying user for about 6 months now, and I absolutely love how they are transforming the music industry and the way people listen and share music. Spotify essentially is […]
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Health care costs are dangerous for a couple reasons: 1) They can be unexpected 2) They can add up quick While there are thousands of stories of how health care costs have burned holes in people’s wallets, today I have a positive story of how I worked the system to save over $700 on a […]
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