The Gerber Life Parenting Blog

What parents want to know

With work, family and finances, modern parenting can sometimes feel like a juggling act. The Gerber Life parenting blog gives parents advice and tips to help you take on today-and plan for tomorrow. Our parenting blog offers articles on saving money, college planning, family insurance, parenting tips, living green, and health and safety. Although we may not be able to manage your retirement account, drive your all-star athlete to practice, or cook your family's favorite three-cheese lasagna, our parenting blog can provide you with ideas, advice and tips so that you can focus on what matters most: raising healthy, happy kids. We invite you to join the conversation and enjoy our parenting blog.

  1. Different Types of Life Insurance Plans

    Types of Insurance PlansLife insurance plans—just like families—come in many different shapes and sizes. It helps to understand the basic types of life insurance policies before you select the one that will best fit your budget and protect your family in case anything should happen to you.

    Term Life Insurance Plans

    The most basic—and most affordable—life insurance plan is term life insurance coverage. You purchase this coverage for a specific period of time. If you die while the term life insurance is in force, your beneficiary will receive the full amount of the policy. If you ever stop paying into the plan, you will lose any coverage, and the money you paid in.

    Whole Life Insurance Policy

    When you purchase a whole life insurance policy, you will pay set premiums through the life of the policy. Your insurance company will invest the money and whenever you pass, your beneficiary will receive the full amount of the policy. You may also receive dividends from your investment in a whole life insurance policy.

    Gerber Life has a variety of life insurance plans to fit your family’s needs. Contact us for more information on life insurance plans.

     

  2. Looking Into the Future of Sustainable Energy

    Sustainable Energy SolutionsIf you’re dedicated to doing everything in your power to create a healthy environment for your home and the world around you, you should be pleasantly surprised – even incredibly, amazingly excited – to learn that there’s a worldwide effort underway by governments, corporations, and individuals just like yourself to craft sustainable energy solutions that will make the world a better place. Here are some of the initiatives underway right now.

    • Biofuel For those looking forward to a time when the world will be less dependent on the burning of fossil fuels to meet our growing energy demands, biofuel offers a light at the end of the tunnel. Biofuel is created by using organic materials like soybeans and corn, and its continued development will make it a far more affordable and practical alternative in coming years.

  3. Debunking One of the Biggest Life Insurance Myths

    Family Insurance PlansThere are many people (and you might even be one of them) who view family insurance plans as entirely unnecessary. After all, the only person that really needs a life insurance policy is the person who “brings home the bacon” – right? Wrong.

    Congratulations! You’ve just stumbled upon one of the biggest myths in all of life insurance. This is one that’s been around for quite some time, and the closer you look at it, the more mystifying it becomes as to how anyone could ever think it to be remotely accurate.

    While it’s true that it’s critical to have a life insurance policy on the head of the household who’s responsible for bringing in the majority of the income, there’s just as great a value in a family insurance plan that covers your spouse or children – even if none hold a job.

  4. Compare College Savings Planning Option Features

    Compare College Savings OptionsWith consistently rising education costs, college savings planning is a necessity. But which plan is right for you? Consider your financial situation now and in the future, the age of your child when you start, and then set reasonable goals for yourself.

     

    Federal Government Plan

    Saving money for college can be accomplished courtesy of the US government. Your Congress sponsors the Coverdell ESA (education savings account) plan for those earning less than $110,000 (single tax filer) or $220,000 (joint tax filers) per year.

    Although it has a modest annual contribution limit–$2,000 per student per year—withdrawals are tax-free if used for qualified education expenses. Qualified expenses include tuition, room, board, fees, and supplies.

    You’ll also enjoy personal investment flexibility, as you can invest in stocks, bonds, mutual funds, and cash equivalents. You have no restrictions on the number of trades (buy or sell) you want to make.

  5. Make Saving Money Fun, Not a Hardship

    Money Saving TipsToo many people view saving money as a necessary hardship. However, saving money can be fun if you have the right attitude. Enthusiasm can help you overcome a multitude of financial difficulties. Adopt these two frames of mind to improve your money saving efforts.

    Who’s More Important Than—YOU?

    It’s alright to be a bit selfish. After every pay period, the first “bill” you pay should be a deposit to your savings account. Even if you can only afford $10 or $20 per pay period, pay yourself first before taking care of your other monthly obligations.

    This simple, habit-forming plan will generate a very healthy savings account over time. If you’re not familiar with the amazing effects of “compounding” (earning interest on interest), perform a little internet surfing. You’ll quickly understand how compounding can create large dollars that continue to increase forever.