It's hard to believe that the first winter day is on December 21. By now, Riverton, Utah, has already received plenty of snow, and local ski resorts are in full swing for the season. Unfortunately, the temperatures have also dropped below freezing. If you're one of the few who stick around for the winter, you know it's about to get colder and snowier. If you have children, then you also know how prone they are to getting the common cold. Read more...

Comparing Medical Cost Sharing Programs Many healthcare cost sharing programs have similar characteristics and payment structures. For one, members have to be professed, practicing Christians who live according to Biblical principles, as cost sharing by law is a religious exemption from the health insurance mandate. But there are differences between different organizations offering medical cost…

A loophole? Yes – well, sort of. You must have a plan for healthcare, but it doesn’t have to be costly health insurance. It’s called health cost sharing, and the concept began decades ago. A small group of Christians got together to help each other pay for some medical bills, and the movement was born...