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.

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

Another Reason To Get Paramount+: Why Women Kill Series

I haven’t watched this yet but I’m intrigued. This time it’s a new cast, new story, new season.

Head to 1940s Los Angeles and explore what it means to be ignored and overlooked by society and driven to deadly lengths. Allison Tolman and Nick Frost star in the new season of the hit anthology series from Marc Cherry, the creator of Desperate Housewives and Devious Maids.

What secrets get buried behind the gorgeous facades we present to the world? And what will one woman do to finally belong? Why Women Kill returns June 3, with new episodes every Thursday, exclusively on Paramount+. Try it FREE!

The new season of Why Women Kill returns June 3 exclusively on Paramount+. Try it FREE!

When you sign up for Paramount+ you get a 30 day free trial. That’s how I ended up getting hooked. But if murder shows and dramas aren’t your think, there’s plenty of other options such as the Smithsonian Channel (one of my personal favs), my kids love Nickelodeon so they can watch all their favorite cartoons like Spongebob and the Loud House. There’s cooking shows, movies, series like Ink Masters, sports, and more.

It’s totally worth check it out for the free trial. It’s easy to cancel if you decide that’s what you want to do. Paramount+ has affordable options starting at just $5.99/mo.

Have you seen Why Women Kill? What are your thoughts? I’m gonna have to check it out.

This post does contain affiliate links. I will earn a small commission for new accounts.

I Bought it, I Tried it: Gelo Hand Soap

This year, I bought a few different products that I kept seeing ads for. I’ll be honest, most of them I was pleasantly surprised with. All of these products I bought with my own money (they are not comped products). I figured if I kept seeing the ad on Facebook and Instagram then maybe other people have been curious too.

The first product I wanted to feature, was one of the first products I bought this year via a facebook ad. I kept seeing the ad, I liked the idea, when I saw the price I thought, what the heck I’ll give it a try. It also came at a time where we had just gotten through having a hard time finding hand soap during the pandemic. Not knowing if it would happen again and always needing a supply of hand soap on hand, I thought this might be a good way to stock up.

Gelo is hand soap with a unique approach. Biodegradable pods you can use to refill your hand soap bottles (or one of theirs) using just water. The scent choices were choices I liked. I also released I was spending anywhere between $1-$3 on bottles of soap at the store and throwing them away when they were done. Yo! I keep hand soap in the kitchen, downstairs bathroom, upstairs bathroom, and the laundry room!

Gelo products reduce the amount of waste of regular disposable hand soaps. If you have a reusable soap pump at home, you can even use the one year already have.

I did an instagram reel so you can get an idea of how it works:

The Gelo refill pods are made with plant based materials: shea, oat, and essential oils. Their pods are completely made up of biodegradable materials including the pod film. There are no sulfates, parabens, or fillers. When you order the refill bag it has enough for 4 refills. So I can literally refill all the soap dispensers I used in my house with one bag. Instead of throwing out 4 soap dispensers I’m only throwing out one bag.

They offer foaming hand soap or gel hand soap options for your preference or for the type of soap dispenser you already have at home. So one of my fave parts? It’s super affordable. I ordered two starter kits for our bathrooms a couple months ago and I’m just now getting to where I needed to order refills. So I ordered a starter kit for our kitchen and 2 more refill bags. $21 shipped and I have enough to refill 12 times. Even with shipping that breaks down to only $1.75/bottle!

Now I’m not an affiliate, ambassador, or anything else with them but I do have a referral link (that anyone can get when you order). It will save you $2 off your first order and give me 10% off my next order. Just go through my Gelo referral link here.

If you like this post let me know if you’d like to see more of them in the comments.