Insurance – There’s an App for That!

When you think about iPhone apps, you probably think of games like Words With Friends, or Angry Birds. Other apps are designed to be a quick resource of a specific kind of information that you might need to access while you are away from your computer. Did you know that there are insurance related apps? It seems some insurance companies are getting into the app market. What kind of apps do you have on your smartphone? In addition to some fun games, you might have apps that let you know about sales, that give you directions, or that help you … Continue reading →

Insurance 3-Steps for the Single, 20-Something, College Graduate

Watching our children grow up and become adults is one of the greatest parts of parenting. My oldest daughter graduated from Oregon State University with honors last month. I was in awe of the results of my labor, I doubt our children have any idea how proud we really are when they achieve the greatness we dreamed possible! I have written several Blogs about insurance for our older teenagers and young adults. The best advice I can offer is that you continue to insure your child until they are defined by the financial aide office as “independent.” This is usually … Continue reading →

Parental Liability: When your Child Becomes a Parent.

Every year thousands of teenage girls, many as young as 12 years old, enter United States Welfare system because they become pregnant. Teenage girls are usually eligible for welfare benefits in order to meet the needs of their children. Typically the fathers are non custodial parents with many of them teenagers as well. Teen aged parents still supposed to be attending high school and unable to pay child support because they don’t have jobs. The common name for this situations is a “minor-mother” case. When a teenage girl has a baby it is automatically reported to the state child support … Continue reading →

Insurance Review and Update: The Important Paperwork

In this series of Blogs I am sharing my own Personal Insurance Update and Review. So far I am still in the gathering stage. I am working on determining our actual Assets since this is one of the most important things for our family to protect. Now I need to find all the important papers. Lucky for me my husband files everything and never tosses out any important documents. Of course, the 15 boxes of papers we keep stored is a different issue–but, sometimes I don’t mind! When reviewing our insurance I am actually very happy to have all the … Continue reading →

Figuring Out the Assets!

In the last Blog I wrote about the fact that It’s Time for My Personal Insurance Review and Updates. One of the most important steps to take when reviewing your personal insurance coverage it to determine your overall personal assets. I have always found Tax time to be one of the great times of the year to gather the information together and start determining our families Net Worth. It seems to older we get–the more we collect and the more we need to protect. I tend to separate my assets into several categories: Real Property that is paid off and … Continue reading →

It’s Time for My Personal Insurance Review and Updates

Everyone has heard that the plumber’s house has leaky pipes, the electricians home needs new breakers and the window cleaners house has filthy windows! It always seems we do our jobs for everyone else–and often fail to do the same job for ourselves and families. In fitting with this stereotype it’s been a very long time since I reviewed and updated our family insurance portfolio! We have been with the same insurance carrier for over 7-years and we haven’t shopped our insurance around since our oldest son, Sean had that little car accident several years ago. I am also sure … Continue reading →

The Family Business

When families think of their personal financial planning, it might be helpful to consider how business companies work and how corporations plan and use their financial resources. With a business the main objective is to earn a profit and efficiently use the businesses capital, to gain a return on the original capital investment. The goal is to achieve a level of success consistent with the level of risk the business assumes. Businesses and corporations, make financial decisions all the time they use their profit funds and the anticipated rate of return to lean many of the choices the make. Take … Continue reading →

Insurance As A Lifestyle

This is the first Blog of many where Insurance as a Lifestyle will be the focus. Yes, I hear the laughing! How on earth can Insurance be a Lifestyle and who is the crazy person suggesting that insurance might have anything to do with Lifestyle? My hope is to help change this attitudes and share with my readers How and Why insurance is and should be part of any successful, productive and safe lifestyle. With nearly every choice we as human beings make there are consequences. As parents we try to teach our children that running into the street is … Continue reading →

Be Sure to I.C.E. Your Cell Phone!

Following the Terrorist Bus Bombings in London a movement to educate the public and start a new trend was made when Scotland Yard issued a request that citizens be sure to I.C.E. their cell phones. This movement started because in the aftermath of the bombings many dead and injured people were found in possession of cell phones. Authorities and emergency workers finding the cell phones believed they were good tools to use for contacting family or friends of unidentified victims. The problem was that most of the found cell phones had more then just a few programmed phone numbers or … Continue reading →

7-Safe Turkey Tips

None of us wants to make our family and friends sick, and one of the major sources for stomachaches and feeling sick is food related. Food related illness is typically cause by contamination in the work area or improper food handling. When it comes to dealing with meat it’s even more important to take the steps to be sure your bird isn’t going to cause anyone to remember Thanksgiving for the terrible Turkey you served. It doesn’t matter if you choose a fresh or frozen Turkey either has the potential to become a mouth-watering example of your culinary talents and … Continue reading →