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. Questions to Ask When You Get a Term Life Insurance Quote

    Getting a term life insurance quoteAre you shopping for affordable term life insurance? Here are some questions to ask life insurance companies when you shop around for a term life insurance quote.

    1. Are insurance rates fixed or variable? Variable rates on a term life insurance policy can give you a nasty surprise with your budget. If the policy does have variable rates, find out the exact terms and amounts.
    2. Is the policy renewable at the end of your term? You’ve paid a lot of money into a life insurance plan. Make sure you can renew it at the end of the term to continue your coverage uninterrupted. You may also want to find out if a medical examination is required at the end of the term before renewal.
    3. What exclusions exist with the policy? Many term life insurance plans have reasonable exclusions—but you’ll want to find out what they are so your loved ones don’t find themselves without term life insurance coverage if something happens to you.

     

    Source:  http://www.gerberlife.com/gl/view/guide_products/10_20_year/index.jsp

  2. Debt Management Plans Help Control Monthly Payments

    Debt management plans monthly paymentsMonthly payments become voracious monsters when your income becomes insufficient to make them on time. Living within your means can quickly become a challenge if your income decreases, you encounter emergency expenses, or rapidly increase your debt.

    You can, however, meet and conquer this challenge by designing a workable debt management plan. Tame the monthly payment monster by building everyday saving habits and analyzing your current debt structure.

    Categories: Saving Money
     
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  3. Where to Get Help for College Planning

    College planningCollege planning often seems like a daunting challenge when you hear or read about the cost of a university education. Unfortunately, college costs continue to escalate and projections indicate that those parents and students without college funding plans will come up financially short for education expenses. But, where can you turn for help with college investment plans? Here are some suggestions for college funding options.

     

    College counselors. Like professional career coaches, college counselors try to help students and parents navigate the maze of scholastic and financial planning needed to have a successful university experience.
    College investment planning funds. College funding options, like the Gerber Life College Plan, offer help and information along with programs structured to saving for college. With flexible options, you can plan for college at affordable investment dollars.

  4. Why You Need Insurance if You Have Children

    Why you need insurance if you have childrenA 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.

  5. Avoiding Risk in Your Home Requires Common Sense

    Avoid risk in your homeAvoiding 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.
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    Categories: Health & Safety
     
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