Easy Tool For Life Insurance Quotes

A good friend of mine has been an insurance agent for a little while now. She shares so much information on insurance. Things I never knew before. I know we all “know” that we need life insurance but often it’s pushed aside as an expense we “don’t need right now” or “Or I have insurance through work so why do I need to pay for additional insurance?”

Well I’ll tell you my story. One from the working world and one from being on the other side of someone not having insurance.

I’ve been working with the same hospital for 15 years now. For many years I was able to get life insurance through work. When I was full-time I was able to get up to 4X my income for a very affordable rate. I opted to do 2X my yearly income and paid only a few dollars per month. Well after I had my 3rd son, and talking with my husband, I cut down to part-time. Cutting down to part-time I was able to keep all my benefits EXCEPT that the life-insurance was reduced to a maximum of $10,000 and I had to pay a little extra if I wanted that $10,000. I did that because I thought, well, at least it will bury me. Then a few years after our hospital was bought out and became for profit I lost every single benefit except my 401k. That included my life insurance. For the first time in 13 years, at that time, I found myself without any life insurance. The reality is, companies don’t have to offer life insurance to employees. It’s often one of the first things to go when cutting costs.

On the other side of the story. My father in law passed away in November. He was in his early 60s. He did have a chronic and progressive disease but he never set up a will, POA, Living Will, or had life insurance. When he passed away my husband had to figure out everything. We had to hire an attorney to help walk us through the process because he had a house, 2 vehicles, etc. Thankfully my husband is a good saver and we were able to pay some expenses out of pocket until we set up administrator accounts for his bank accounts. I didn’t realize how many expenses there were when someone passes away. It’s not just burial but paying utilities in his house until we were able to sell it, hiring an attorney, hiring an auctioneer to get rid of the tools, furniture, etc. There’s estate tax, there’s more I just can’t think of it all in this minute.

Had my husband not been able to prepare us financially it definitely would have been a hardship for a while. When you set up an administrator account for the estate every penny has to be accounted for and have to do with the estate. We have to provide every receipt to our attorney for utilities bills, property taxes, hiring a cleaning service, etc. This continues until the estate is dissolved which we are finally getting close to doing. Reminder my father in law passed in November. There was no life insurance. Had he had life insurance we could have received the payment from that within a month or two.

So please, do yourself a favor, do your family a favor and at least look into getting life insurance. There’s different kinds and amounts so you can find something to fit your budget or set your family up the way you want to.

It only take a few minutes to get an idea of what you want and can afford for the future .

iFit Compatible Rower Deal!!! Almost 50% off!

I’ve been hooked on iFit every since we got our iFit compatible Proform treadmill almost two years ago. The programs are engaging, the trainers and guides are interesting, and I love the opportunity to earn magnets, t-shirts, etc as part of being an iFit member. It’s definitely motivation for me.

When we got our studio bike it HAD to be iFit compatible. I enjoy the bike programs just as much as the treadmill. The next piece of equipment on my home gym wish list is a rower. And yes, it needs to be iFit compatible for us.

Walmart currently has the ProForm Pro R10 Smart Rower with 10″ touchscreen and one year iFit membership nearly 50% off right now! The original price was $999. It’s currently on clearance for $524! I’m trying hard to talk my hubby into this.

Have you tried iFit before? Do you own a rower that is iFit compatible? What do you think? I understand there are less workouts available for the rower when compared to the treadmill in the bike but I’m ok with that.

On a side note, did you hear that iFit and the Sweat app have joined forces? It’s true. I’m so excited. iFit is continually growing. I feel like there is constantly something new happening to make it bigger and better. So much variety. They also have strength training, HIIT, and yoga workouts available too even if you don’t own any of the equipment.

Also, one tip if you are considering buying a treadmill or bike that’s iFit compatible. We opted for a cheaper treadmill that did not have the screen. We have to use our phones or ipad to do the programs on our treadmill. That means making sure the device we want/need to use is charged. After getting our bike that has a screen built in, I’m really wishing we would have chose a treadmill with a built in screen. Oh well, you live and you learn right?

This post does contain affiliate links. I will earn a small commission from sales made through my links.

Christmas in July: 10% off Holiday Cards at Lovepop

I’ve posted about Lovepop cards before. They’re one of my favorite cards to send. They don’t often go on sale so when you see a sale, better grab it while you can.

If you don’t know what Lovepop cards are, they are handcrafted 3D pop up cards. Each and every time I’ve sent or given one I’ve received such positive reactions on them. My dad still has one of the Game of Thrones cards I got him pinned to his corkboard.

hummingbird_popup_card

Right now you can save 10% of holiday cards at Lovepop by using code: XMASINJULY and using my link below.

Get 10% Off Holiday Cards using code XMASINJULY

While you’re visiting Lovepop, stop by the Lovepop Vault for retiring designs. Lovepop doesn’t just have holiday cards though. They have 3D cards for birthdays, weddings, love, sympathy, and more. See which designs you can grab in the vault before they’re gone!

The Vault

If you’d like to see the cards in action, I did a short instagram reel around the holidays you can check out:

Lovepop also offers free shipping on orders in the US. There cards are a little pricier but the reactions I’ve received have been priceless.

Free US Shipping

Which card is your favorite?

This post does contain affiliate links. I will earn a small commission from sales made through my links

Visible by Verizon Wireless: Unlimited Data As Low As $25/mo

We recently got out of a dinosaur plan that my family and I had. There were 4 of us on the plan sharing only 4 GB of Data which was then slowed dramatically if we went over. We were paying an astronomical amount too and not getting much in return. I was hesitant to switch carriers because I had been with the same company for 16 years with the same phone number. It had obviously been a while since I shopped around. So glad I did.

We found a plan that gave us much more data, we got to keep our phone numbers, our phones, and had the same coverage. I have no idea why we didn’t do it sooner. The best part, we saved a ton of money and actually got more.

If you’ve been considering switching to save money but hoping for more you gotta check out this offer from Verizon Wireless.

Visible by Verizon Wireless offers unlimited data for as low as $25/mo. This is huge. With the way things are now, people are relying on their phones for teleconferences, virtual visits, and more.

Not only could you get a better deal but 5G is included too. If you’ve been thinking about switching I’d definitely check this out. Don’t be like us and suffer through years of high payments with nothing in return. I’m so so glad we switched.

This post does contain affiliate links. I will earn a commission when you check out the links

Selling a House That’s Part of an Estate

My father in law passed away in November. We found out he had no will in place. With the help of a good attorney they helped my husband set up an estate. Our attorney has been walking him through everything. While there was a lot to deal with in regard to the estate, probably the biggest piece is selling the house.

We did an estate auction and tried to sell the house through the auctioneer. We were selling it “as is” We had an interested buyer but that person was trying to use a VA loan. The VA doesn’t grant loans for houses “as is” we learned. So that fell through.

We hired someone to take the rest of the stuff away that was left after the auction. We then hired a professional cleaning service to clean the inside of the house. It was then ready to be put on the market by a realtor this time. We chose to use Remax. We had a lot of interest in the house and 2 good offers within the first 2 days of listing. Fun fact, our realtor told us that Remax has there own cleaning service that we could use for an additional cost so that’s who we ended up using. They did a great job.

In our area houses are cheap, especially in comparison to many areas. Taxes are low too. Our school district is one of the best in our area. So had all kinds of offers while trying to get it ready for market. One person told use they were to get a settlement at the end of the month and wanted to buy the house and the truck. Another person was trying to rebuild their life after some life circumstance and was trying to find bad credit loans

I have the Zillow app on my phone. It was encouraging to see all the views and saves on the house. We are so ready to finalize everything with this estate and move on. If I’m being honest, I have the Zillow app on my phone all the time. I’m always curious as to what different house in my area look like on the inside. I also have dream homes saved on the beach, you know, just in case. Please tell me I’m not the only one who does this!

It made us quickly realize that hiring professionals through the whole process was worth every dollar. From our attorney walking us through the process, to the auctioneer handling the selling of his truck and a number of things from the house, the cleaning service for making it look great and move-in ready, to the realtor being on top of things, I wouldn’t want to do it any other way. Plus a lot of the fees were able to be deducted from the estate account because it all dealt with the estate.

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