Thursday, September 13, 2012

Getting on-board with E-books

 
I believe I've mentioned before that I'm a book lover. This is not just a mild interest, passing fancy, temporary fling.... I LOVE books. I've been a member of more book clubs than I can count over the years. Trips to the Library mean I come out juggling a tower of books if I didn't bring a bag. I've been this way for years. Hence the article on Hubpages I did last year on how to lower book costs.....

I'm the girl who, upon getting a new book in the mail, I get all giddy, open it up and then flip through the pages while holding the book up to my face so I can breathe in the scent with my eyes closed and get a goofy grin on my face. Are you getting the picture here? Haha! Yes, I know I sound like a nerd, and that's okay! ;)

Anyway, I will admit now that I was less than thrilled with the entrance of e-readers and e-books on the scene. How could anyone not want to hold an actual book in their hands? What about filling another space on that bookshelf (I keep running out of space and have to get more shelves, which I don't mind in the least!). And how about reading with a child? How on earth could that be any fun with an electronic device in your hands, rather than a big book with colorful pictures to flip through while cuddling with your little ones? In no way was I even tempted!

Over the years, without realizing it, apparently I have started to change my opinion a bit. Maybe it's because I'm a complete Amazon junkie (no, I'm not kidding, I love that site--which is why I became an affiliate shortly after starting this blog) or maybe the fact that they have some of the most popular e-readers on the market (i.e. the Kindle series) and all the buzz eventually caught my attention. At first, I thought nothing of it (at least nothing good). But then they started offering free e-books (and I'm all over free!) and the free Kindle App to go along with it so you can read from your computer, iphone, tablet, etc. Now I'm hooked!

One of the features I most love, that works on my tablet, is that I can even look up unfamiliar words in a book I'm reading by just pressing on it without having to go get my dictionary! And then some of these e-readers have gone even further and become tablets. You can surf the internet, play games, watch movies (and more!) on some of the Kindles. They've even brought out new models this month like the Kindle Fire HD 8.9" 4G LTE Wireless, Dolby Audio, Dual-Band Wi-Fi, 32 GB.

I should note that Barnes and Noble also offers free e-books on their website here. They also have an the Nook e-reader series, but I don't know as much about that. I've got the free nook app on my tablet also and have taken advantage of the free downloads they offer too.

Does this mean that I'm done with hard-copy, print books? No. I still love the feel of a book in my hands. But I do have admit that I can still get on-board with the e-book train now. Why choose, when I can enjoy both? Who'd have thought it? ;)
 

Reputable Insurance Agent

I mentioned in my last post that we were going through an agent in making all these changes with our health and dental insurance. I've been talking to Alex Bessinger from Utah Insurance Group and he's been more than helpful in helping us along in this process. I've called him more times than I can count about questions, concerns, thoughts, etc and he's been extremely patient and informative.

I thought I'd share his company's website so that any others who are looking for help with their health, dental and life insurance needs would be able to have the best agent available to them too. :) We're actually changing our Whole Life Insurance policies we've had for the last 15 years over to Term Life Insurance. We'll get over three times the coverage for half the cost of what we're paying through work. Granted, it's term and won't accrue any cash value, but from all of the research I've done and the people I've called to talk to about it, Whole Life Insurance just doesn't make much sense when it comes to people like my husband and me.

So if you're in the insurance market, go ahead and check out Utah Insurance Group. I know it was definitely worthwhile for us!
Utah Insurance Group
Available when you are: 7AM-9PM Mon-Fri
Phone: 801.336.4295 Fax: 801.951.4974 
Mailing Address: 1241 S 4350 W Syracuse, UT 84075

Monday, September 10, 2012

Health Insurance--A Necessary Evil?

Well, I believe I mentioned last week about how much our health insurance went up. This, of course happened at the same time as several other trials (can stuff just stop breaking? Nah! That'd mean you wouldn't need to buy new stuff and companies can't have that hurting their bottom lines!).

Anyway, I'll admit we seriously considered just going without health insurance period. I know some people are paying more than we are, but our share (with my hubby's employer paying half) is a little over $606 a month. The prescription benefits are crappy, our individual deductible is $1,000, the family deductible is $3,000 and honestly we just try not to use it unless it's for preventative because co-pays have gone up to $30 for a regular doctor and $50 for specialists. Our daughter's dislocated elbow that took 3 seconds to fix in the ER cost us $250. Yeah....not pretty.

We did try to qualify for UPP, but they've made it so difficult. Even though we met all the main criteria, we didn't qualify simply because we've already had the employer's insurance, so even if it was a new enrollment period and they had moved to a new plan (at a much higher rate) they said we'd have to not be on the employer's insurance before new enrollment starts and apply again during the next enrollment, period. Of all the stupid stipulations I've heard! Seriously?

But when it came down to it, we just couldn't make the jump to no insurance. Still, we can't afford to keep our current insurance. So we did some research down different avenues and ultimately decided to go out on our own with a high deductible plan with a Health Savings Account. We found a good agent who's helped us figure out the pros and cons of each plan and guided us in the right direction.

Our kids will be going on CHIP (something we'd never have even considered before the economy tanked). It'll take 90 days before they can go on it after our insurance is cancelled, which does make us a little nervous. We prefer the IHC facilities though and they have a financial assistance program for those who need it, so if an emergency occurs, we'll have to take advantage of that.

I haven't heard good things about State dental insurance, so we'll be getting our own plan for that too, for the whole family. Overall, this route is going to save us almost $400/month. That's nothing to sneeze at, for sure. We'll be able to find a use for that money easily!

I'll be honest that it's a little embarrassing to share some of these hardships with everyone here. There's always the chance that we'll be judged and found lacking. Oh well. I can't let my pride stop me from helping others out there who might need this information for their own families. We never asked for these things to happen. Five years ago we were living well and doing fine financially. Things changed--for a lot of people. We just have to make the best of it and survive how we can, I guess.

I am thankful though that my husband has been able to keep his job, even if his hours have significantly decreased. I know that there are those who have flat-out lost their jobs and their homes. We've managed, through the grace of God, to retain both. It's a miracle that with Bank of America's track record at the time of only 3% of people applying for the the government loan modifications receiving them, that we got a successful modification (not that I didn't fight tooth and nail for it~ Hah!).

So this will be a new experience for us. We prayed a lot before deciding on this course and I feel like we're making the right decision. Time will tell where it will go.

Saturday, September 1, 2012

Tip of the day: Husking made easier!

We've gotten a great crop of sweet corn this year, and I've been husking it with the kids like crazy in the last few weeks--either for dinner, or to preserve it in the freezer. The one thing that makes me crazy about corn is all that hair! It's a pain to get off the ears and then it gets everywhere else when you're done. You'd think it shouldn't be that hard to clean up, but it's just sticky enough to prove you wrong.

Norwex has come through again and made my life easier. I learned that the polishing side of the Veggie and Fruit Scrub Cloth is excellent for getting off those little hairs on the corn. Then, by chance I figured out that the Rubber Brush sweeps it all into a neat pile for easy clean-up. I decided to try the rubber brush trick after finding out how effective it was at removing the pet hair from the floor of our minivan.

So while I wouldn't go so far as to say that husking corn is now the highlight of my day, I would say it's not the chore it was before.


There's always something to be thankful for.....right?

I have this plaque in my kitchen that I bought to remind myself that despite the trials in my life, I always have something for which I can be thankful. We've had a lot of trials in the last month that have had me repeating that mantra over and over again. Some days I sound more convincing than others.

I know everyone has their own difficulties going on in their lives, and that I'm certainly not being picked on (even though I might claim I feel that way on those truly awful days. Haha!) I decided I needed to call myself to task about this when I found myself talking to a very good friend about why I've been so anti-social lately. I told her I didn't want to make anyone else feel miserable by being around me during this very trying time. I'd rather just stay home, be with my family and stick my nose in a book that I know ends with a happily ever after! She had some encouraging things to say, but I was being bull-headed and didn't listen the way I should've. Thinking back over it though, I realized I need to pay more attention to those blessings in my life.

So despite the fact that our tank went out on our filtration system, and the sprayer is leaking on our drip line in the garden (again) and the recirculating pump broke on our water lines,  my CPU went out on my laptop, our Health insurance went up nearly $100 a month (while the coverage went down) and our AC went out during the peak temperatures of summer--I need to remind myself how fortunate we are.

For one, I'm married to a plumber, so we only have to pay for parts on those plumbing issues. Two, we have wonderful friends who have helped us with our AC issues multiple times and only charged us for parts and donated their time. That's no small thing. Three, I have a home to live in. Four, I have a beautiful family. Having come from a....dysfunctional background, I know this is among the best of my blessings. Without my family I would be lost. And then, I have a Heavenly Father who loves me. Yes, I know He loves me. It might be something I struggle to remember when I'm in the middle of a rather nasty trial, but ultimately, I know it's true.

There are many other blessings I haven't mentioned here, but I know they exist. I just need to put them at the forefront of my mind and not let myself be trampled down during these trials that I know are meant to strengthen me. And maybe, some day, I'll be strong enough that I won't need any more trials! Yeah, yeah, I won't hold my breath! ;)