5 Reasons Why You Need Life Insurance

Life insurance is one of those things that you hear about often, and figure you probably need, but for whatever reason you just never seem to pull the trigger. Perhaps it’s a bit of a phobia – realizing that you will die relatively soon, or maybe you just don’t care for the extra payment that comes with life insurance each month. Whatever the case may be, it is still likely that you should have life insurance. Here are 5 reasons why:

1) Your Savings Wouldn’t Cover Your Own Funeral

As each month goes by, you might realize that your savings account will always look pretty bleak. If you died today, would have you enough money in your account to cover a $10,000 funeral? For most, the answer is likely, “No”. If this is the case, then perhaps a small life insurance policy would make sense. Those that are fronting the costs of the funeral would receive the funds from your life insurance policy to cover those expenses.

2) Peace of Mind For Your Spouse

Many times, insurance is simply assurance for your spouse. Getting through everyday life is hectic enough. Your spouse doesn’t also want to think about what he/she would need to do if you died next week! Insurance can often make a relationship much less stressful because there is never a question of what would happen financially when you are covered by life insurance. Do you want your day to day life to be more peaceful? Then perhaps you should buy life insurance online to mitigate those concerns!

3) You Have Kids That Are Costly

If you have small children, then you know they can be costly. Clothes, food, shelter, diapers – these items can really add up! And, what about their college funding? Is that in place? Again, many may not have considered this costly future event. If you planned to help your kids out with college and it would have been a struggle while you were alive, what if you passed away? Do you think your spouse would be able to afford that additional cost? Life insurance can be a possible solution for this scenario as well. Since the insurance company would pay out as a lump-sum, this amount could, in theory, be applied to the college tuition. Your kids would definitely love you for taking care of their steep college costs!

4) Your Work at Home is Worth Much

If you are a stay-at-home mom, you might not receive a weekly paycheck, but your services are definitely valuable! Think about how much it would cost to put your kids in daycare every month. Many times, this cost can be $1,500 or more! If you were to pass away without life insurance, then this is exactly what it would cost for you since you would have to put your kids in daycare while working a full-time job to survive! It is not a pretty picture, and many people that are put in this situation sure wish they would have had life insurance.

5) You’d Like to Leave an Inheritance to Your Adult Children

There are many older adults that are starting to worry about the costs of health insurance and long-term care. Chances are, these items alone will eat up their savings accounts, allowing them to leave nothing to their adult children. If you are in this scenario, then perhaps a life insurance policy would be a feasible way for you to pass on an inheritance to them.

Don’t Wait Until It’s Too Late

We are all guilty of dragging our feet at times, but when your family is depending on us to cover costs and provide for their well-being, then dragging your feet simply shouldn’t be an option. Can you relate to any of the above reasons to buy life insurance? If so, then I would suggest talking to your family about it, and also to a certified insurance specialist. Setting up a policy probably won’t be fun, but it’s just a necessary step in being an adult and taking care of things, even after you’ve passed away.

Are you in need of life insurance today?


How to Sprout Your Own Garden Starts

Gardening on the balconyOne of the best ways to ensure good food — and save money in the bargain — is to grow a garden. My parents always had a garden when I was growing up, and my husband and I regularly planted a garden when we had a house.

While you can buy young plants to transplant into your garden, it can be more cost-efficient (and rewarding) to sprout your own garden sprouts. If you want to get a head start on your garden, you can sprout plants indoors, where they are safe from the cold weather, and move them outside to your garden later.

Here’s how to get started:

Identify an Area with the Right Lighting

First of all, make sure you have room for your sprouts. Choose an area with the right lighting. Different plants have different needs, so make sure that you have a plan to keep sprouts with similar needs together.

A sunny window is usually a good option when it comes to your garden sprouts. Make sure you have enough room for the seeds you want to sprout. You can prioritize based on space.

Prepare the Containers

Next, you need containers to sprout the seeds. The good news is that, in many cases, you don’t need anything very big. For the beginning seeds, a small container that is one or two inches deep is usually fine. Egg cartons work really well. However, you can also buy “market packs” that include rows of small containers.

Think about how big your plants will get before you move them outside. The fewer times you need to move your plants, the better off they will be. If you know you will transplant your seedlings before they outgrow the smaller containers, that isn’t a problem. Another option is to plant your seedlings in bigger pots. This gives them more room for growth and root spreading before you move them to your garden.

Containers should contain soil that is dry and free of toxins. The good news is that you don’t need to go to great trouble to get nutrient-rich soil, since the seeds contain the nutrients needed for sprouting. However, you can grow your seedlings stronger if you mix your soil with perlite, compost, or peat moss. Just make sure you mix carefully so that you don’t end up with a mix that isn’t ideal for the seedling involved.

There are some seeds that will sprout without soil at all. For these, normally a damp paper towel is enough. Keep the paper towel damp and in the proper light. After the seed sprouts, you can transplant it in a pot for further growth and root development before moving it outside to your garden.

Plant the Seeds

When planting the seeds, make a small hole. You should only cover the seeds with enough dirt to be about three times its height. Some seeds don’t need to be properly covered with dirt at all. Check the seed packet for more specific instructions related to your seeds.

For the most part, you should just loosely cover the seeds with dirt. Don’t pack the dirt down. You can moisten the soil by using a spray bottle to mist the water. One of the keys to successful seed sprouting is to keep the soil moist, but not over-watered.

Find out whether or not the seeds need light to sprout. You can sometimes stack seed flats until the sprout if the seeds don’t need a lot of light. Continue to watch the seedlings. There will be a time to thin them out so that the seedlings that remain can grow stronger. You don’t want to keep all the sprouts, though, since you want the strongest for your garden.

Moving Your Plants to the Garden

Once your seedlings are strong enough, and the weather is favorable, you can move your plants to the garden. Make sure your garden plot is properly prepared and ready to receive the plants. Keep an eye on the weather, since you might want to wait a little longer, or be prepared to cover your plants, if the nights are still too cold.

Sprouting your own seedlings can be a cost-efficient way to get the starts needed for your garden. These plants are often stronger and hardier, and it can give you a good way to get your garden started without risk your plants to frost.

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