If you've always had employer healthcare, you have no idea how vital the ACA is
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I got married and started working in my early 20s, and for more than two decades I always had employer-provided health insurance. When the Affordable Care Act (ACA, aka "Obamacare")was passed, I didn't give it a whole lot of thought. I was glad it helped others, but I just assumed my husband or I would always be employed and wouldn't need it.

Then, last summer, we found ourselves in an unexpected scenario. I was working as a freelance writer with regular contract work and my husband left his job to manage our short-term rentals and do part-time contracting work. We both had incomes, but for the first time, no employer-provided insurance. His previous employer offered COBRA coverage, of course, but it was crazy expensive. It made far more sense to go straight to the ACA Marketplace, since that's what we'd have done once COBRA ran out anyway.

The process of getting our ACA healthcare plan set up was a nightmare, but I'm so very thankful for it.

Let me start by saying I live in a state that is friendly to the ACA and that adopted and implemented the Medicaid expansion. I am also a college-educated and a native English speaker with plenty of adult paperwork experience. But the process of getting set up on my state's marketplace was the most confusing, frustrating experience I've ever had signing up for anything, ever.


Most of the problems stemmed from proving our income, which was confusing to report and hard to show accurately. I lost track of how many letters I got saying they needed more or different information. When I'd call the help number, the person on the other end always told me something different. It took nearly two months of back and forth, with dozens upon dozens of letters, phone calls, and website chats, to finally get my family set up with a healthcare plan.

During the two months, we weren't covered under any insurance, I was terrified of something happening. We are a very health-conscious family and we take good care of ourselves, but what if one of us broke a bone? What if one of us had a freak medical event or needed an emergency surgery? What if we got into a car accident and had to be hospitalized? The list of possible scenarios, minor to major, constantly ran through my mind.

During the time we weren't covered, I was keenly aware of three things: 1) All it would take was one big accident or diagnosis to wipe us out financially, 2) People in other developed nations never feel this fear, and 3) Prior to the ACA, far more Americans felt this fear all the time.

Once we were finally able to work out the necessary paperwork, it was fine. Our income at the time meant our premiums were low, and our coverage was comparable to what we had with my husband's employer. I ended up getting hired on full-time with benefits a few months later, so our experience with Obamacare was relatively short-lived. But I can't imagine the financial stress of trying to afford health insurance or worrying about paying for healthcare out of pocket without insurance—fears that millions of Americans lived with pre-ACA.

And we didn't even have any pre-existing conditions that would have kept us from being able to get insurance prior to the ACA. Adding that factor in drives home how important that legislation truly is.

At the same time, as thankful as I am that we had an affordable healthcare option, I couldn't help thinking about friends I have who live in other countries who never have to worry about any of this stuff. No complicated paperwork or bureaucracy to deal with. No waiting for bills to arrive in the mail after a doctor's appointment to see what you owe beyond your co-pay. No calling the insurance company to figure out why something that seems like it should have been covered wasn't covered.

The amount of of time, energy, agony, and stress Americans have to put into managing healthcare is absurd when compared to other highly developed nations, and even most less developed ones. We're so accustomed to this garbage, I don't think most people recognize that it doesn't have to be like this.

The ACA was a step in the right direction and a necessary lifeboat for those who previously couldn't get or couldn't afford to get health insurance. But it's not universal healthcare, which is quite frankly the bare minimum of what a society should expect from its government. The fact that the idea has somehow been spun into something radical or impossible when basically every other developed country has figured out how to do it, we spend more on healthcare than anyone else per capita already, and our health outcomes trail so badly behind other developed nations is completely baffling.

My experience with the ACA drove home to me why it's a vital piece of legislation to protect, but also highlighted the desperate need for universal healthcare. It's far past time for us to take that next step.

Lainey and baby goat Annie. Photo courtesy of Lainey Morse
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Oftentimes, the journey to our true calling is winding and unexpected. Take Lainey Morse, who went from office manager to creator of the viral trend, Goat Yoga, thanks to her natural affinity for goats and throwing parties.

Back in 2015, Lainey bought a farm in Oregon and got her first goats who she named Ansel and Adams. "Once I got them, I was obsessed," says Lainey. "It was hard to get me off the farm to go do anything else."

Right away, she noticed what a calming presence they had. "Even the way they chew their cud is relaxing to be around because it's very methodical," she says. Lainey was going through a divorce and dealing with a rheumatoid arthritis diagnosis at the time, but even when things got particularly hard, the goats provided relief.

"I found it impossible to be stressed or depressed when I was with them."

She started inviting friends up to the farm for what she called "Goat Happy Hour." Soon, the word spread about Lainey's delightful, stress-relieving furry friends. At one point, she auctioned off a child's birthday party at her farm, and the mom asked if they could do yoga with the goats. And lo, the idea for goat yoga was born.

A baby goat on a yoga student. Photo courtesy of Lainey Morse

Goat yoga went viral so much so that by fall of 2016, Lainey was able to quit her office manager job at a remodeling company to manage her burgeoning goat yoga business full-time. Now she has 10 locations nationwide.

Lainey handles the backend management for all of her locations, and loves that side of the business too, even though it's less goat-related. "I still have my own personal Goat Happy Hour every single day so I still get to spend a lot of time with my goats," says Lainey. "I get the best of both worlds."

Lainey with her goat Fabio. Photo courtesy of Lainey Morse

Since COVID-19 hit, her locations have had to close temporarily. She hopes her yoga locations will be able to resume classes in the spring when the vaccine is more widely available. "I think people will need goat yoga more than ever before, because everyone has been through so much stress in 2020," says Lainey.

Major life changes like Lainey's can come around for any number of reasons. Even if they seem out of left field to some, it doesn't mean they're not the right moves for you. The new FOX series "Call Me Kat", which premieres Sunday, January 3rd after NFL and will continue on Thursday nights beginning January 7th, exemplifies that. The show is centered around Kat, a 39-year old single woman played by Mayim Bialik, who quit her math professor job and spent her life's savings to pursue her dreams to open a Cat Café in Louisville, Kentucky.

Jeff Harry started making similar moves when he was just 10-years-old, and kept making them throughout his life. After seeing the movie "Big,"Jeff knew he wanted to play with toys for a living, so he started writing toy companies asking for next steps. He finally got a response when he was a sophomore in high school — the company told him he needed to become a mechanical engineer first.

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As if we haven't had enough strange things happen this year (which we're only two weeks into, by the way), you may have noticed a sudden proliferation of sea shanty videos come through your social media feeds. While a welcome alternative to the footage of violent insurrection and rising pandemic death tolls in the U.S., the question is: Why sea shanties, and why now?

Though there's actually a wide range of sea shanty communities online, what brought it into the mainstream was a TikTok video from Scottish singer, Nathan Evans, pounding a drum and singing a well-known shanty, "The Wellerman."


Another singer, Luke Taylor, added some bass harmony to it, taking it up a significant notch.



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Photo by Anna Shvets from Pexels
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Increasingly customers are looking for more conscious shopping options. According to a Nielsen survey in 2018, nearly half (48%) of U.S. consumers say they would definitely or probably change their consumption habits to reduce their impact on the environment.

But while many consumers are interested in spending their money on products that are more sustainable, few actually follow through. An article in the 2019 issue of Harvard Business Review revealed that 65% of consumers said they want to buy purpose-driven brands that advocate sustainability, but only about 26% actually do so. It's unclear where this intention gap comes from, but thankfully it's getting more convenient to shop sustainably from many of the retailers you already support.

Amazon recently introduced Climate Pledge Friendly, "a new program to help make it easy for customers to discover and shop for more sustainable products." When you're browsing Amazon, a Climate Pledge Friendly label will appear on more than 45,000 products to signify they have one or more different sustainability certifications which "help preserve the natural world, reducing the carbon footprint of shipments to customers," according to the online retailer.

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She was impregnated again ten days after the first embryos took hold. How in the world did that happen?

This pregnancy is known as superfetation and according to Healthline, it's so rare that there are only a few cases noted in medical literature.

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gray steel 3-door refrigerator near modular kitchen

There's more to keeping a green kitchen than recycling your yogurt containers or opting to store your leftovers in glass Tupperware. Little things, like your trash bags, can add up, which is why it's important to try to reduce your footprint as much as possible. Fortunately, these sustainable kitchen products make it easy keep a green home!

Reusable Silicone Baking Cups



Reusable silicone cupcake liners save you money on having to buy disposable paper cupcake wrappers every time you bake. These sustainable cupcake liners are just as festive as anything you would throw away. Because the liners are made with a sturdier silicone, they can be used for other purposes, like arts and crafts projects.

Amazon Basics, $7.99 for a pack of 12; Amazon

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