Photo credit: unsplash.com @Fuu J. A Lifetime Ago I remember thinking, "Can you get life insurance without a medical exam?" This is definitely a question I asked myself and my financial advisor way back in the early 2000s when I watched my spouse get blood drawn in our home as part of his life insurance application. Yes, you can get life insurance without a medical exam. You've seen the commercials. You have heard the ads. But what exactly are you getting when you get life insurance without a medical exam? You are getting an accelerated plan because you don't have to wait for the appointment for the medical exam. This speeds up the whole process and sometimes that is exactly what you need. Know your life insurance options when you don't get a medical exam. There are two … [Read more...]
7 Pet Supplies We Can’t Live Without
In our house we have three sweet pets that we love dearly. I don't know what we would do without them. They are such a part of our family and they definitely know it. I'm talking birthday parties, special dog dental chews for our Boston/Pit mix, treats galore for the cats and pup, toys, blankets, matching outfits, birthday accessories. We might have a problem. Does it bring us all joy? Absolutely. Do people make fun of us? Sometimes. Do we care? Not a bit. Baking my dog a bone-shaped cake and watching her eat it makes us happy and brings unexpected joy to an average day. I've compiled a list of some of our favorite, can't live without pet items that we have found and used for both our two cats and dog. For goldendoodle puppies Raleigh contact Knight Goldendoodles. You can give … [Read more...]
Fall Fitness Trends
Fall is my favorite time of the year. I love to hike, walk, run, and spend a lot of time outdoors during this crisp season. However, fall weather in Virginia can be unpredictable. Foggy mornings with drizzle can turn into gorgeously sunny afternoons. But when you have to get out the door and you want to get a quick workout in going outside isn't always the best case scenario. Say goodbye to that morning run crunching through the autumn leaves. Say hello to these fall fitness trends that I can do all year long. Under the Desk exercise equipment: I don't care what anyone says about under the desk exercise equipment. I watched my fourteen year old use our under the desk elliptical in her room while she does her homework, bring the lightweight machine downstairs and watch a … [Read more...]
Finding Natural Pain Relief for Inflammation & Soreness
Image courtesy of unsplash.com: Sasun Bughdaryan What is your favorite remedy for fighting joint pain and muscle soreness? Do you use a natural pain relief cream? Do you prefer doctor alternative options like integrative medicine in Evanston, IL? Do you prefer holistic health options supervised by a holistic health practitioner? What about the use of a cbd hemp oil topical? What's your favorite one? Many people also explore wellness products available at a reputable thca dispensary, where carefully curated hemp‑derived options can complement holistic approaches to relief and relaxation. One of the biggest obstacles I encountered each time I battled Lyme disease (four times and counting) with its myriad of co-infections was finding relief from pain. Whether it was … [Read more...]
The Gift You Can Give Yourself Now and in the Future
It’s basic knowledge that you should have term life insurance. But did you know there are actual benefits to having it? What about cheap term life insurance? Is there an even better benefit to it beyond saving money? Let’s look at the benefits of having cheap term life insurance and why it is important to think about your future whether you are single, married, or like me, in between. You may hire an estate planning attorney to help you find a life insurance policy and prepare all the necessary documents for your estate plan. An estate planning attorney or wills attorney can take the time to listen to your concerns and recommend the best option for your estate. Life insurance, when fully understood, is not merely a mechanism for death benefits but also a potential source of cash during … [Read more...]
Tips for Keeping Your Home Safe in the Wintertime
Home safety is essential year-round. However, the different seasons require different safety measures. These tips will help to improve home safety for you and your family this winter. Follow these five tips. 1. Test Carbon Monoxide and Smoke Detectors Winter means using heat in your home. Carbon monoxide and smoke detectors must be in good working condition. Test all the detectors in your home to ensure proper function. It is also a good time to replace batteries. These detectors are an important safety feature in your home and should be checked when preparing your home for winter. Most detectors have an easy test button on the face of the device. All you do is press the button to see if the alarm is working properly. 2. If You Use Your Fireplace, Get Your Chimney Inspected If you … [Read more...]
There aren't many kids who would list taking care of their teeth and seeing the dentist as a couple of their favorite activities. And unfortunately, having tooth problems and needing extra dental care contributes to kids being afraid of and/or disliking brushing, flossing, and visiting the dentist. Early, deliberate actions in parenting can help kids to not only avoid self-induced dental problems, but also have a good attitude about taking care of their teeth. Here are some ideas to accomplish just that. Establish Positive Routines Babies and kids enjoy predictability. Knowing their routine and sticking to it creates positive habits and positive associations with activities that might otherwise not be desirable. One idea for making dental care a positive experience is to help a child … [Read more...]
Balancing Motherhood and Homeownership
Every woman out there knows that it can be a challenge to be both a full-time mom and also try to figure out how to handle the day-to-day tasks that we are all expected to worry about. This is not to say that women can't do it. Rather, this is to say that those who embrace both motherhood and homeownership deserve a special round of applause for the efforts that they put into everything that they do. Homeownership is Complicated No matter what anyone tells you, the truth is that homeownership is a challenge whether you're looking at Victorian homes in Washington DC or New Construction homes in Philadelphia homeownership can be daunting. The process of purchasing or selling real estate or selling real estate involves documents that are often lengthy and numerous, including when it comes … [Read more...]
How to Plan for Your Future Today
Last spring my husband and I realized that we were in desperate need of some estate planning like the one on winrightlaw.com. Wills, a Trust, taking a second look at what type of life insurance we had and what the value of it was versus how much we were paying monthly for it. Did any of it make sense for our lives as they evolved? Would it do us any good? At the time we noticed that our term life insurance was wildly out of date. We had no real plan or details and needed some solid advice. We worked on it, created a plan that made sense for us and our budget such as a 401K to Gold Retirement Plan, and felt we were back on track. It is worth comparing retirement vehicles to determine which one is the most suitable option for you and your family. Well, things are changing again. … [Read more...]
The Best Birthday Gifts for the Mom Who Has Everything
When it comes to finding the perfect birthday present for the special lady in your life, it can be tough. You want to find something that is meaningful but also practical and usable. And if she already has everything she could ever want, it can seem impossible. But don't worry, this gift shop at https://ezcustomgifts.com/ got you covered. Get your favorite perfume from sites like rebelaromas.co.uk/. Here also are five thoughtful and unique gift ideas for the mother who has everything. 1. Custom Jewelry If your mom loves jewelry, then why not get her something that is truly unique and one-of-a-kind? There are many talented jewelers out there who can create glass art jewelry or custom pieces that are designed specifically for your mom. Whether you want to get her a Dainty Necklace, … [Read more...]