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5 Important Insurance Plans Your Family Should Have

June 1, 2018 by

Navigating the various insurance policies can be a little more than confusing. It’s essential to sift through varying coverage options to ensure your family is covered in the case of any emergency or disaster. Consider incorporating these insurance plans into your financials and keep your family protected no matter what comes your way.

  1. Life Insurance

Every family needs to have life insurance, on both spouses regardless of employment status. Should the worst happen, and death occur prematurely or suddenly, your family will feel the loss of income in the years to come. Generally, an estate planning lawyer would recommend appointing a financial durable power of attorney, so you want to be sure you are appointing someone who is familiar with you and your assets, and who has the financial acumen to properly manage your financial affairs. While Life insurance is an important estate planning tool, without certain protections in place, there’s no guarantee that your spouse or children will receive the benefit of your purchase of life insurance. In the end, the payout can be put towards daily living expenses, education funding, and more, and luckily, there’s no federal income tax on any life insurance benefits. Whether you have children or not, you don’t want any dependent struggling financially in the case of your death.

  1. Burial Insurance

Burial insurance is a lesser-known option for coverage, but a worthy one to consider. Funerals are getting more and more costly, with the average funeral costing upwards of $10,000. If you don’t have an existing life insurance policy, burial insurance can be a lower cost option to handle the burial and funeral expensed. Burial and funeral insurance can be used to pay for your funeral by itself, or put towards final expenses that may be outstanding after death, including medical costs, legal bills, and even credit card debt. If you have no savings dedicated toward funeral expenses, and don’t have life insurance, your family will be saddled with huge expenditures, so having burial insurance can protect those you love most from heavy monetary burdens during a hard time. Setting up a burial insurance policy could see you making small, affordable payments that help your loved ones immensely when the time comes. Check out www.burialinsurance.org to consider your insurance options.

  1. Health Insurance

Health insurance is essential for every member of your family. Medical, dental, and vision insurance all play a large role in overall health maintenance, and insane hospital costs and bills could see your family suffering from monetary struggles for a lifetime if you’re not covered. Many health insurance policies bundle catastrophic medical insurance and normal coverage in one package. The first is essential in case the worst happens—just a single week in the ICU could cost you upwards of hundreds of thousands of dollars, very often slipping into the million dollar mark. The second handles visits to the doctor, prescriptions, and the like. It’s important to find an affordable plan that will ensure you can see the medical professionals you need to when necessity arises. Check out PremiumHealthQuotes.com to find a plan that works for you.

  1. Disability Insurance

There has been an influx of individuals choosing to purchase disability insurance. According to Social Security, “one in four of today’s 20-year-olds will become disabled before reaching age 67.” While the SSA offers disability benefits, these often aren’t enough to cover the cost of living that you may have enjoyed previously. With scary statistics like this, disability insurance has become more tempting. Instead of losing out on a few months of income or living on a slashed portion of your paycheck, the right disability coverage can see you maintaining your quality of life, and keep you safe should the worst happen and see you sick or injured and unable to work.

  1. Renter’s Insurance

If you own a home, you’re required to have homeowner’s insurance through your mortgage company, unless on the off-chance you paid for your home with straight cash. However, if you’re renting, insurance is an entirely different story. Renting has become the norm; more Americans are renting than purchasing these days, for a variety of reasons. Renting provides more flexibility for families who may be growing or on the move, some saturated markets make purchasing a home a financial impossibility, and the amenities often offered through rentals are enticing. If you are one of the millions that is choosing to rent a home for your family to live in, you absolutely must purchase renter’s insurance.  Many landlords are now making it mandatory, and for good reason. Renter’s insurance is generally inexpensive, and covers all of the belongings found within the building; the house itself is covered by a landlord’s insurance. It’s always a good idea to have the peace of mind that your family’s belongings are protected, and should the worst happen, you’ll be assured that you can replace anything damaged or lost.

 




The Best Online Catalogues for Children’s Catalogues

May 31, 2018 by

Children catalouge

When shopping for new clothes for your kids, online catalogues are a simple way to shop. You can find everything you need in one place. You can compare prices, you can find top names, and you can find high-quality products, when you know where to shop for them. But, with so many sites and competition, it can be tough to narrow down your choices for some parents. If you want to save when shopping online, all while finding the best new clothing for your kids, then look no further than these great online catalogue sites.

Zalandao.co.uk is a great place to do your shopping for children’s clothing. You can find a full set of size and fit ranges for boys and girls, of all ages. You can shop specific seasonal lines, you can find clothing and accessories for any season, and for those who want the brand-name look, for a lower price, you are also going to find it here. With great financing options, and new clothing and shoes introduced regularly onto the site, you will always find the top looks and fashions, which your kids are going to love wearing.

Vertbaudet.co.uk is a site which strictly caters to kids. Toddlers, newborns, even up to young or pre-teen years, you can find the great clothing they love to wear. Anything from shorts to jumpers, nursery wear, to new church clothing, there are so many options for children of all ages. You can also find shoes and accessories on the site. It carries an extensive list of products, and regularly introduces new lines and merchandise to the site, so you’ll always find the latest styles, to dress your kids in.

Thekidsdivision.co.uk is a site which carries just what you are looking for, no matter what it is, when it comes to children. The site’s name says it all. If you are looking for new jumpers, new swimwear, clothing for them to wear to school, or play clothes, you can find these, and so many other great options on the site. With collections, designer styles, great materials, and collections for boys and girls, of all ages (from nursery to toddler), there are several great products on the site. Affordable pricing as well as great deals on financing are also frequently offered, so visit, compare the deals, and buy an entirely new wardrobe for your kids, which they’ll love to wear, regardless of the season or event.

Other great sits include bonprix.co.uk, lookagain.co.uk, next.co.uk, and others. There are so many sites you can visit when it comes to shopping for new clothing for your children. And, with so many sites catering to children’s wear, new designer looks, and clothes for kids of all ages, it is easy for parents to find just what they are looking for, and to find it for a reasonable price. Rather than shop locally, consider a few of these specialist sites when you are ready to redo your child’s wardrobe, and ant to find the great looks and fits, all for a reasonable price point.




Choosing the Right Art for Your Home

May 31, 2018 by

Home decor

Adding art to your home can really help to transform the overall feel of it but sometimes it can be hard to find the right piece. When you are trying to choose the right piece of art, you need to think carefully about what it represents, where you are going to place it and how well it fits in your home. In this article, we are going to look at some of the things that you should consider when you are choosing the right piece so keep reading if you’d like to find out more.

The Location

It is important that you have the right location in mind for your new art piece before you go ahead and purchase it. It is likely that you already have a space that you’d like to put it, so you should make sure to measure it so that you know exactly how much space that you have. You don’t want to choose a piece that is either too big or too small as this might ruin the overall effect. Make sure that you leave enough space to allow your art to be centered and focus on one great piece rather than several in one place.

The Colour Scheme

When choosing a piece of art for your home, the colour scheme of the piece is very important. Most great pieces will have some prominent colours that you should try to carefully match them with the décor of your room. This is important to ensure that your art and your décor are not clashing and so you should make sure that your fine art ties in well. If you are unsure about which colours might go together, do some research and you’ll find many colour combinations that typically look good in interior design.

The Design

Make sure to carefully consider the message that your new piece of art is going to give. The colour of the piece is not the only important part as art can be so varied in its style. You’ll be able to choose from many different designs from images of people to locations or even canvases with just words on them. Make sure not to choose something that will clash with the design of your home. Find a piece that is right for you and you’ll find that your home is transformed by this great new addition.

The Cost

Art can be expensive, especially those pieces that you think might look best in your home. You should always try to choose something that is within your budget but don’t be afraid to splash out if you find a hidden gem. Your best bet would be to choose your art from an online market place like Fine Art America, as they have a wide range of art to suit every budget. When choosing art for your home, think about spending more on one great piece rather than splitting the cost amongst a few average looking pieces. You will love coming home to a piece of fine art that transforms your room and you won’t be sorry about how much you paid for it.




5 Breakfast Recipes for your Kids

May 28, 2018 by

Cereal

Morning, evening or any other time, kids get hungry. And don’t we love feeding the cute babies of ours? The morning meal of breaking the fast, the breakfast, is the most important meal of any day. But the mornings also are hectic in the current scenario and we need to break our heads to find the perfect breakfast for our children in terms of taste and nutrition. Here are 5 of the best recipes you should give a try!

  1. Mini Carrot Coriander Idlis

A goodie of lentils with a twist!

Idli batter-

  • Wash the rice and urad dal and soak them for 3-4 hours.
  • Grind the rice with water in a blender till smooth and the urad dal (lentils) with a little water. Add water when required to make it fluffier.
  • Mix both the ground lentils and add salt to taste. Let it ferment for 8 hours.

Vegetables-

  • Sauté onions till golden brown and cook the carrots, onions, coriander leaves and green chillies with red chilli powder and dhaniya powder. Once cooked, add this to the batter.
  • Steam the batter for 10-12 minutes in the mini idli plates and serve hot.

  1. Chocolate Croissants

To satisfy the sweet tooth of the sweet child!

  • Preheat the oven to 375 F.
  • Unroll rolls of dough and cut them into 8 triangles.
  • At the bottom third of every triangle, put around 10 chocolate chips and roll the dough again.
  • Place the croissants on a baking sheet and bake for 12 to 14 minutes till golden brown. Serve them warm or at room temperature.

  1. Palak Poori

Eat you greens, dear child!

  • Blanch the spinach in hot water after cutting them into small portions. Make a paste after draining the water.
  • Add the spinach paste, ginger paste, wheat flour, green chilli paste and salt to a deep dish and mix well whilst adding water. This will make a soft dough.
  • Knead the dough after adding butter/olive oil into a firm ball and cover it for 10 minutes.
  • Knead the dough into small balls (around the size of a lemon).
  • Roll the balls on a flour covered surface into circular shaped discs (around 5 inch diameter).
  • Deep fry these discs which are the pooris (Indian bread) in hot oil till golden in colour.
  • Serve hot with a dip or contrasting chutney.

  1. Smoothie Bowl

Smooth mornings on the Mondays!

  • Get all your dry fruits together and puree them with raspberries, yogurt, bananas, milk and chia seeds (optional) in a blender till smooth.
  • Serve with toasted coconut or granola.
  • Simplest recipe with high amount nutrition.

  1. Aloo Paneer Paratha

A definite favourite among kids and adults!

  • Add cumin seeds to heated oil and sauté onions in it till golden brown.
  • Stir in quickly some red chilli powder and cook for 2 minutes after adding paneer and mashed potatoes.
  • Mix well after adding coriander leaves and let the mixture
  • Knead wheat flour with water and keep aside for a smooth dough.
  • Make 10 equally sized ball from the dough and dip the balls in whole wheat flour one after the other and roll into a thick circular disc.
  • Add some of the mixture to the centre of the disc and make it into a ball again. Dip the ball again and roll into a disc.
  • Heat an oiled griddle and place the disc on the tawa and cook till the paratha gets brown spots. Flip the paratha to the other side and cook till it is properly cooked showing brown spots.
  • Serve the delicious parathas with curd, raitha or mint chutney.

Best breakfasts call for the best days!




Key Questions You Should Be Asking Your Cleaning Company

May 28, 2018 by

House cleaning service

Before you hire a cleaning company, you should find out if they are worth paying money for. Not all cleaning companies are going to do a good job. They are as susceptible to cutting corners and getting away with as little work as possible as any other industry is. There are plenty of great cleaning companies out there, but there are also a number of them that are mostly in it for the money and that don’t have your best interests at heart.

No one wants to come home to a house they expected to see cleaned and find things swept under the rug, both figuratively and literally. You want to know that you can count on your cleaning company to do a good job every time they are at your house. You are trusting them in and around your belongings. You are also trusting them with the health of your family, to an extent, as a clean house can make a huge difference in how healthy its occupants are.

That’s why we want to give you some ideas of what you should be asking a cleaning company before you hire them. You want to be sure that you are picking a worthwhile company and that they will do everything they can to produce great results and a clean house for you.

What Accreditation Do You Have?

It’s true that anyone could start their own cleaning company and do a good job at it, but you can tell how serious a company is about providing cleaning services by finding out what affiliations they have and what training they have gone through. You can ask about any awards the company has received for their services, which organizations they are a part of and what kind of certification their company and employees have received. If they cannot produce anything in any of these categories, then that is a good indication that they have either not been around for very long or have not produced the kind of quality work necessary for any awards or accreditation.

Can Your Former Customers Recommend You?

This is related to the last question in a way, but it needs to be asked on its own. You can ask to be put in contact with former customers or to see customer testimonials. You may not have to ask this question if there are customer testimonials on the company’s website or if there are customer reviews related to their services online. Just be aware that reviews and testimonials on the company’s own website could be manufactured, and you are better off looking at reviews outside their site. If you find that their site reviews and reviews on other sites don’t really match up and that they paint two entirely different pictures of the company, then you can be fairly sure they are hiding something.

What Services Do You Offer?

Not all cleaning companies will offer the same cleaning services. Some of them won’t do laundry, others won’t do exterior work. Some companies do cleaning for offices while others do not. You should have an idea of what you want them to do and then make sure that they are able to do it. Prepare a checklist ahead of time to give you an idea of what you need to ask about. You can just request a list of services they provide, if you have not decided what you want them to do yet. Then you can tell if what they are offering is really what you are looking for or if you need to go elsewhere.

For any intensive services, such as degreasing, bathroom cleaning, mold removal and others, you may want to ask about their cleaning process. Find out how they do their work and if they have a plan for tackling the issues at your home. If they can tell you exactly how they are going to do the work without first looking at your home, then you probably want to look elsewhere for a cleaning company. A professional cleaning service will need to examine your home to see how best to work there before they can give you too many concrete answers.

How Much Do You Charge?

Once you find out which services are offered by the cleaning company and you determine which ones you want to use, then you can ask about pricing. The cleaning company will likely give you an hourly rate but not be able to tell you upfront how many hours they will need to be working until they have assessed your home in person or done their first cleaning. They should be able to give you exact pricing on all the different services they offer, though. You should never agree to any services or schedule a cleaning with a company until you learn how much it will cost. Then once you have that estimate, you should write it down and check some other cleaning companies to see how the prices compare. If you find drastically different prices elsewhere, you can always bring the lower quote to the original cleaning company and see if they will give you a better price, if you decide you want them to do the cleaning for you.

When Can You Start?

Then you need to schedule a cleaning. Find a time that is convenient for you and determine whether you want to be there to oversee the work or if you feel comfortable enough just letting them into the house and letting them do their thing. You should discuss an estimated completion time with the company, and if they go very far past that time, then you need to call them out on it and consider using someone else that is more punctual.

With these questions, you will be able to find the right cleaning company for your needs. These questions and the answers the company gives will allow you to make a smart choice and keep you from being taken advantage of or having to deal with an untidy house after the work is completed.




Things to Teach Your Teen About Money

May 25, 2018 by

Teenage money saving tips

Being a teenager is a tough age group for most people. Your body is changing, you have to learn how to be social, you are about to graduate high school and enter the world away from home and you probably have started working your first job. Learning good money habits will help you later on in life and help you to be a more successful adult.

Here are things to teach your teen about money.

  1. Goal Setting

When you sit down to help your teen start saving money, you should consider asking them what their goals are for their money. Perhaps they have a specific item they have in mind that they want to save up for, or maybe the just want to save for college or for their lives in the future. Regardless of what they are saving for, they need to see their goals written out on paper. Having something to work towards will help them stay motivated and focused on saving instead of spending. Once your child meets a goal, have them cross it off the list and add a new goal or start working towards the next one. This mindset will help them learn to manage their finances now as well as in the future.

  1. Start Saving Money In A Jar

This might seem like a childish thing to do, but if you have a family trip planned where your child wants a specific souvenir or activity to do while away, have them put money in a jar and watch it build over time. A good jump start to their money jar is to have them put $20 in initially and then add to it as they are able to. If they aren’t making much money, offer chores around the house where they can make more money and have them put a little bit in the jar. If you see them excelling in school or sports, you can add to the jar too. This practice will encourage them to save money as well as keep them disciplined and working hard in all aspects of their lives.

  1. Keep A List Of Spending

As your child makes purchases, have them keep track of the things they buy so they know where their money is going. If they don’t have enough money for a specific item, you can try lending them cash to help them make the amount needed. As long as they learn to pay you back, they will be learning good money habits. Learning to pay back small loans will help them as they get bigger loans for things like paying for their college education. To achieve this quickly complete a student loan consolidation form and compare rates to find reduced interest plans.

As part of this exercise apply an interest rate to the money you loan them. This will help them learn self-control because they will think whether or not they really need what they are taking the loan out for. Use paying for college as an example. Talk to them about the different options to fund college and how student loans have to be paid back with interest. You can take it a step further by discussing how some personal loan types can be refinanced later on to lower their monthly payment.

  1. Help Them Make Money

Encouraging your child to work for their money will teach a multitude of valuable life lessons. Have them do chores around the house, mow the lawn, wash the car or babysit for young kids. The more they learn to work for their money, the better they will be at spending and saving their income.




Simple Places You Could be Saving Money

May 24, 2018 by

Money saving tips

Finding ways to save money in life can seem tricky. In fact, the opposite is often true, and it feels like life is always getting more expensive, with more bills to pay and the cost of goods and services always on the rise. So, wouldn’t it be nice if you could find places in your life where you could be saving money without making some sort of huge sacrifice?

That’s exactly why we’ve put together this list of simple ways you could make small changes in your life that will, in fact, save you money. While the savings may not seem huge for each individual tip, as you start to add them up you’ll see a significant amount of savings in your pocket each month. So, let’s dive right in and start saving you money.

Look at Your Bank Account Fees

One place that people can end up spending a lot of money is in bank account fees and service charges. This is the money you pay to the bank for having an account with them. There can also be transaction fees, money transfer fees, etc. It’s a good idea to look at the last six months’ worth of bank statements and figure out what you’re paying on average each month in fees.

As early as 2015, bank rates were on the rise, but they are typically done in a manner that is slow so you don’t really notice it. Small little increases over time probably won’t catch your attention, but they will add up. So, what can you do about it? Well, you can look into a free bank account with BB&T.

A free bank account with a bank like BB&T is one that won’t charge you a monthly maintenance fee, it offers no-fee online statements, and it allows for a certain amount of free transactions each month. While some of these bank accounts don’t have a monthly minimum balance you must keep, others will require a set minimum in order to take advantage of the free services.

Sign Up for Rewards/Loyalty Programs

Because you need necessities and can’t cut them out, it’s a good idea to shop in stores that offer customer rewards and loyalty programs. This can be in the form of a discount, cash-back, coupons, points redeemable for merchandise, etc. If you’re going to spend the money, why not get something extra out of it?

Plan Meals Out in Advance

Grocery shopping can equate to a rather large amount each and every month, and much of that may be going to waste. It’s always a good idea to plan your meals out for a week in advance, create a shopping list based on those meals, and stick to the list. Doing this can help you stay on budget, cut back on the money spent, and the amount of food wasted.

Get Rid of Cable

While this may seem like a drastic measure, the fact is that there are so many streaming services out there that cost a fraction of cable, you may not even notice that you’ve gone ahead and gotten rid of it.

Get Creative in Your Savings

Saving money is sometimes about having a creative eye and spotting those little places you could make changes that really add up, and keep more money in your pocket as a result.




Tips for Dealing with Your Cranky Toddler

May 22, 2018 by

Deal with moody children

Is it getting increasingly hard to deal with your cranky child? There isn’t a parent in the world who hasn’t had their hands full with a moody toddler. In fact, it seems to come with the territory. However, when your child is fussing, crying, screaming, or throwing tantrums uncontrollably on a regular basis, it can get to be a bit much. What could possibly be wrong? You’ve tried feeding them, changing their diaper, and even playing with them, but nothing seems to be working. Though everyone is entitled to a bad day (or two), when your otherwise happy toddler seems to be spinning out of control, you need to find a way to cope with it – and fast.

Stay Calm

As out of control as your toddler may be, the first thing to remember is not to lose it yourself. It can be pretty tempting to want to yell or try and discipline your child when they’re acting out, however, this often isn’t the solution. Since you can’t really control how your child is behaving at the moment and aren’t one hundred percent sure why they’re acting this way, to begin with, it is imperative to stay calm as you try to handle the matter.

Take a few deep breaths, step away from your child if necessary (and safe), and approach them once you’ve calmed down. Remember, children can pick up on tension and frustration through body language and the sound of your voice, so when you speak to them, make sure that you’re doing so in a stern but not aggressive tone.

Talk to Your Toddler

The best you can, try talking with your toddler to see if you can determine what is wrong. Depending on how old and advanced your child is, they may be able to provide you with some clues on what’s going on with them. Give them time to try and communicate with you and also be mindful of their body language or motions as this too could be telling you something they’re not yet able to verbalize.

Consider the Basics

It is always ideal to start with the basic needs of your toddler. They could be hungry, thirsty, need to use the restroom, or tired. If you’re used to following a schedule with your child you may be able to determine from the time of day, what’s wrong. For instance, if it’s a bit past lunchtime, they may just need to be fed. If you were out later than usual, your child could just be fighting off sleep. Try to accommodate those basic needs right away to stop the crankiness.

Are They Uncomfortable?

Young children tend to have heightened levels of sensitivity. Essentially, they can become uncomfortable a lot easier than an adult. If they feel discomfort, it might manifest in many ways. From squirming around in the car seat to taking off their clothes, there are a lot of ways your toddler may be trying to tell you their problem.

If they start crying when you’re dressing them and immediately try to strip, for instance, they could find the clothing uncomfortable. You can replace itchy tags and irritable sock seams with sensory clothing for kids. If they start pulling at the car seat straps when you buckle them in, perhaps the seat belt is too tight or they’re sitting on something that’s poking them.

Are They Bored?

Boredom is another feeling that toddlers have a hard time expressing on their own. Needing to be stimulated quite often, when your toddler is left sitting for hours at a time, they may become cranky. Whether you’re sitting at the doctor’s office or at home doing weekend chores, try and keep your toddler entertained. Either stop what you’re doing and play with them for awhile or invest in interactive toys and games that can hold their attention.

Other Factors

There are other reasons that toddlers get cranky or throw fits. From new social settings and the inability to express themselves to medical issues like hypersensitivity, anger issues, and developmental problems, there is a lot that could be going on that your child isn’t able to inform you of. If you’ve tried the basics, made sure they were comfortable, and tried entertaining them to no avail, it may be worth speaking with your pediatrician about.

Even the happiest children have rough patches. Though your child is a far cry from infancy, they’re still evolving. As such, they may have periods where they’re struggling and unable to express themselves. If you’ve been dealing with an unreasonable toddler, try the tips listed above. If that doesn’t work, there may be other things going on that your pediatrician can assist you with.




Fun Games To Make The Next Play Date Entertaining For Your Toddlers

May 21, 2018 by

Play date ideas

Whenever there is a play date looming in on your future, you often worry how to entertain the kids. It is necessary to keep them entertained and engaged. They learn to coordinate themselves and mingle with peers on these occasions.Group activities, especially for toddlers, are very important for their mental and physical growth. Also, it is good for you to get them engaged to avoid too many accidents or mischief’s. Here are five different and simple group games for kids:

1. Simon Says

Simon Says is a very simple game to play with your toddlers. It can played as a group activity or individually. Either way, it can help you to get your kid listen to you. It will also improve their concentration power. In the game, choose an adult to be Simon and whatever Simon says the kids will have to do them. For example, if the chosen person says “ Simon says touch your nose”, the kids should touch their noses. The game can also be a great way to teach your kids to distinguish between various body parts, colours et cetera.

2. One for you, One for me

One for you, One for me is a game that will teach your little ones the importance of sharing. If they are an only child, it must be difficult for them to share their possessions with friends all of a sudden. So, you have to teach them the habit of sharing right from their tender ages. Playing this game, you can hand of the kids a bunch of flowers, a bundle of crayons or a box of chocolates and as them to pass it around. Give every child a paper bag or a box to hold all the things they collect thus. Do it in rounds until each one of them gets to pass things around. This will also be an opportunity for the kids to make friends with each other.

3. Musically

Physical activities are very good for toddlers at their age. They all love to sing, mimic and dance around. Action songs and rhymes are a great way to get them move around a bit, jump up and down and have fun. Play them a series of songs, hopefully familiar ones, to which they can sing along and dance. You can also pair them up into groups while you’re at it to improve the bonding. Not only will the kids have a good time, they will also learn some rhymes and get some exercise along the way.

4. Duck Duck Goose

Duck Duck Goose as the name suggests is very easy to play for kids. You have to make the kids sit around in a circle. Now randomly choose one of them. Let the chosen one circle the outer space of the circle. As they get to each person they should say Duck and tap the person once. Doing the rounds, the chosen kid can choose someone to be the Goose. They can simply tap them and say Goose instead of Duck. Then the Goose would ave to try and chase the kid. If the Goose fails, he’s the next to do the rounds.

5. Freeze Dance

Freeze dance is a common but interesting game. You should get some open space for the kids to dance in and then play the music. Midway, you can stop the music and the kids should freeze in whatever position that are at that moment. If anyone moves, they are out of the game. This can go in till you find a winner.




Why You Can Never Overestimate the Need for Full Insurance Coverage

May 19, 2018 by

Family insurance

Yes, you have a full and busy household and you must save where you can. Don’t feel bad. Everybody needs to save where she or he can these days unless she or he is part of the 1 percent. You might be tempted to skimp on automobile insurance coverage after you paid off all the vehicles, but this isn’t a good area to pinch your pennies, especially with your teenage drivers. Once the kids get behind the wheel, you must be prepared for all scenarios. Why? Imagine this…

You Gave an Inch

You gave your daughter a new/used car for her Sweet 16. You picked out a reliable model that was dealer-certified off the used lot. It’s in great shape and you got a fantastic deal. You paid for it in full, but your local insurance agency came back with a bit of bad news. Although used, insuring the vehicle is going to be more expensive than you thought it would be. You could save money with minimal coverage because the vehicle is paid for, but should you?

She Took a Mile

After you handed your squealing teen the keys, you and your spouse sat her down and gave her the list of rules. She swore on her own life that she would obey every one of them always. She completed her driver’s education course, passed her test, secured her license, and began her new life as a driver. Despite her promise, she looked at her phone while behind the wheel when it signaled an incoming text. She rear-ended the person in front of her.

Grounding Isn’t Enough

No one was hurt, thank goodness, but the damage is done. The vehicle needs repair and your daughter is in so much trouble, you and your spouse aren’t sure where to start. You opted for minimal coverage to save money, and the person she hit just filed a lawsuit for damages, injury, and lost pay. Guess what. Your minimal insurance coverage won’t cover that, and grounding your daughter isn’t going to get you out of the hot water she’s just placed you and your household budget in.

Protection Is Key

This is why you need find other ways to be frugal when it comes to your household budget. Yes, you can shave money off your grocery budget line and drop a tier or two off your cable TV or satellite options, but you can’t afford to skimp on automobile and home insurance coverage, because it has to be there when you need it. You can save on your overall bill, however, by combining your protections into one policy. Just an FYI worth talking with your agent about!

If you have teenagers, you know how true this example is. When it comes to your family’s insurance protections, don’t skimp. Sure, they’ll promise you to the moon that they won’t do what they aren’t supposed to only to do just that the minute your back is turned. Make certain you can handle the worst once your teens begin to drive, and for the record, it’s good to cover you and your spouse fully, too, even though you’re experienced drivers. Anything can happen at any time!




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