A lot of people are turned off by life insurance coverage simply because they’re not aware they have choices. The high cost of permanent life insurance and the complexities involved with the commitment end of it make getting life insurance coverage seem a bit too much like a chore. But the fact is, life insurance protection comes in various shapes and sizes, and depending on whether you’re shopping for individual or family insurance plans, your search can yield significantly different results.
7 - 9 - 2012
7 - 6 - 2012
Unless you’ve been living under a rock, you’re probably well familiar with the slogan “go green” – but what is living green really all about? Living green is all about sustainable living, a lifestyle choice that incorporates several different environmentally friendly practices to deliver a powerful punch against pollution and other environmentally destructive practices.
Reducing Energy Usage
One of the key practices of sustainable living involves making changes to your habits, as well as physical changes to your home to limit the amount of energy you use and to decrease your carbon emissions. You can do this by using energy sparingly, like turning off lights when they’re not in use and limiting your use of home cooling and heating systems, and by installing energy-efficient appliances in your home. This also extends to your transportation habits – if you really want to live green, limit the use of your car by moving closer to work or by taking public transportation.
7 - 4 - 2012
You might recoil at the thought of living within your means, assuming this will be a stressful and unhappy lifestyle. However, living on a budget need not be an unpleasant habit.
Learn What You’re Spending
Budgeting can be challenging until you learn about your current spending habits. Keeping a daily log for around a month will give you the information you need to create a workable budget.
Record every dollar spent for a short while. You will be amazed at the small amounts of money you spend that add up to much larger dollars. For example, that large exotic latte you buy to start your workday may cost only $2 more than a normal cup of coffee. However, you’ll lose at least $10 per week in unnecessary expense.
7 - 2 - 2012
We all want to sign on with the best family insurance provider, if for no other reason than to give us the peace of mind that comes from knowing our families will be well cared for financially. But with the knowledge that not every family insurance policy is as good as the next, how can we ensure that peace of mind?
You’ve no doubt already heard this nugget of advice: To determine the quality of a life insurance provider, find out what people are saying about the company. But short of asking the random stranger on the street if they’ve ever had any bad experiences with a particular insurer, what other means do you have at your disposal?
6 - 28 - 2012
We all want to keep our children safe and injury free. You can start by teaching your children these five safety tips:
Tip #1: Street Safety. Demonstrate how to look left and right before crossing the street. Teach your kids how to use and obey traffic and safety signals, and to walk on the left hand side of the road (i.e., facing traffic). Explain that cars can’t always see them, and that they must be aware of everything around them at all times. Above all, make sure they understand that they can’t play in the street.
Tip #2: Water Safety. Knowing how to swim is both a fun activity and a potentially life-saving ability. If you don’t know how to swim, consider taking yourself and your children for swim lessons and safety training at a local pool or athletics club. And, never let a young child swim alone. A person can drown or nearly drown in seconds – active supervision is the key to prevention.