Wednesday, January 28, 2009

Life Insurance

I know life insurance is one of those things most families figure they can do without, but really, the truth of the matter is that, in this life you just never know, and you don't want to leave your family with debts.

My husband and I recently amended our life insurance policies. It's something we had been putting off, but with a third child coming, we figure no better time than the present. Our "insurance lady" was very helpful in explaining the different terms - term life vs. whole life vs. critical, 10 or 20 year policies.

When looking for an insurance agent, make sure they are licensed and that they take the time to ask about your needs and explain different options. Be wary of solicitors over the phone, these are usually the banks who promise that you can be insured without a medical exam. This is true, but when it's time for payout, these institutions have been known to find loopholes in order not to pay the client or their families. Be careful of this.

It's never too early to get life insurance, for us, we found the ideal time was when we got married and bought a house.

Remember the earlier you start, the better.

Happy Shopping!!!

Sunday, January 25, 2009

Day Olds

Several years ago, I was expressing to a co-worker how expensive my grocery bill was becoming, she suggested I look at buying day-olds. Right away, I thought of old, hard, dry, crusty bread, that the grocery store couldn't get rid off, and now were reduced. She explained to me that they were still fresh and as the grocery store baked more and more, they had to get rid of the older ones. Well, I took her advice and ventured out to the day-old section of my grocery store. I was pleasantly surprised, not only did I find fresh products, but I found myself buying products which I normally wouldn't buy if they were regular priced, but because of the reduction, I could now I afford one or two.

Well, I didn't stop there, now when I shop, not only do I check the day-old section of the bakery, I also check for reduced fruits and vegetables and reduced meats. I find this greatly reduces my grocery bill, and my family has had some excellent meals out of these great finds. Look for these deals next time you go grocery shopping and think of it as the clearance sections of your grocery stores.

Happy Shopping!!
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