If you’re in poor health and are seeking a family insurance policy, you don’t have to assume that you’ll be turned down for life insurance coverage as a result. Life insurance protection is offered every day to people with less than stellar physical exam results – and the best part is, you may not even have to take a physical to be able to get signed up for some family insurance plans. If this sounds too good to be true, it isn’t.
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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 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.
College investments and endowment funds are important components of school tuition costs. When these funds perform well, institutions better control school tuition costs and designate significant portions of earnings to university-sponsored scholarships.
Since the recent recession, many endowment funds have declined. Most investments have yet to recover to pre-2006 levels. University investment problems require that your college savings plans become more conservative and rewarding.
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.
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.
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.