7 - 5 - 2011
A solid term life insurance policy or whole life insurance is a smart investment for anyone. But if you have children, insurance is another one of the responsibilities that comes with parenthood.
Many single people have no dependents, therefore, they can get away with a modest insurance policy that will cover their funeral expenses when they die. But when you get married, buy a house, and become a parent, your lifestyle expenses mount. There’s a lot to think about and to pay.
Here are just some of the expenses you’ll want covered for your spouse and children. Insurance can help take care of it all.
7 - 1 - 2011
Avoiding risk of injury, health, illness, and harm to family members involves many potential household dangers. Your inherent common sense can eliminate or, at least, reduce many imaginable risks to you and your family.
Many people often don’t realize that they face a higher risk of injury while in their home than most other places they spend their time. Just working in the kitchen, getting out of bed, or taking a shower present more risk than most other places you visit.
Lower Your Risk in Kitchens
Kitchens can be the most dangerous rooms in a house. They are fraught with hazards, including sharp knives, slippery flooring, unpleasant chemicals, and sharp edges on cabinets, countertops, and appliances.
- Pay attention to fire dangers. Stoves, ovens, and other appliances can be sources of fire and burn injuries. Young children are particularly at risk when you’re cooking. Keeping a fire extinguisher handy and staying alert at all times when cooking reduces the risk of injury.
6 - 29 - 2011
Is it ever too early to start shopping around for life insurance for your baby? Baby life insurance is more than just coverage in case something terrible happens to your baby or child. Baby life insurance in the form of a whole life insurance policy like the Gerber Life Grow-Up Plan actually creates a solid nest egg for your child.
The baby life insurance policy coverage doubles during the year your child is 18, and provides premium rates at up to 60% less than plans purchased as an adult. When your child reaches age 21, he or she has the option to:
- Cash out the policy to reinvest or pay for adult expenses
- Extend the policy at lower rates than they would get if they were to apply for a new life insurance policy as an adult
The Gerber Life Grow-Up Plan cannot be canceled by the insurer for any reason, and your child will not be turned down for additional coverage through the plan, as long as premiums are paid.
6 - 27 - 2011
Everyday saving is more habit than science. Living on a budget becomes easier every day that you practice. Unless you are an unusually extravagant spender, there is no magic bullet to save large dollars on a daily basis. However, using simple everyday saving tips will add up to high savings over weeks and, then, months. Here are some simple suggestions to start building your frugal habit.
- Closely track your spending—all of it. The most important habit you can acquire is to keep a small notebook of every penny you spend daily. You may be astonished how your small purchases add up to large dollars over time.
6 - 24 - 2011
Electric bill shock will typically come to those who wait. Why wait when you already know that unpleasant surprises are waiting for you? You may want to review helpful devices that estimate electricity consumption in your home or business.
After all, how can you save energy if you don’t know how much power you’re using? If your answer is “It’s impossible,” you’re right. Yet, there are ways to eliminate this uncertainty. Some help already exists and more is on the way.
The PowerCost Monitor™
This high-tech, but amazingly simple device offers real world feedback to you about how much electricity your home is using. The device tells you in both dollars and kilowatts (KW) what is happening consumption-wise in your house or office.