4 Key Things To Look Out When Shopping For A Life Insurance Policy

by | Health

4 Key Things To Look Out When Shopping For A Life Insurance Policy

Shopping for a life insurance policy?

Here are some good tips:

  1. How Fast Is The Payout?:  Many policies have a 2-3 year waiting period in regarding the payout, if you purchase a new policy.  Be sure to get the details before you jump into it.  Sometimes the simplified policies won’t tell you this information directly.

  2. What About The Living Benefits?:  Some companies offer a 20+ year window to recoup some of the money back, if you no longer want or need your policy.  Often people look for the flexibility to have the option of a cash out, if they get a serious illness.  Just another thing to think about.

  3. How Affordable Is It?:  Make sure you can afford your life insurance policy.  Think about the premium you can accept paying for the long term.  Cost of living is going up everywhere, so you want to get the most from your money.

  4. What Type Of Insurance Do You Want?:  Term life covers a defined span of years, typically 20-30 years.  Usually you will need to pass a medical examination for this coverage.  Whole life covers you from the beginning to the end of your life.  Once the policy matures you can typically get a cash option to take some money or take a loan against it.  Universal coverage is usually a variation of the whole life insurance.  You can adjust the death benefit of this policy as things progress and you need a medical exam.  You have the option to change your premium payments, once your policy is fully matured.  This type of policy provide an investment option, which is usually based on a money market rate.

     

Conclusion:  
Be use to read the fine print on any policy you are looking to go with, you don’t want to pay for it in the end.

Check out this handy site, it shows some of the best life insurance companies for 2021.

Staying fit by exercising, may help you slowdown the inevitable.  😉

What type of policy do you use and why?

Practical Tips For Your Daily Success

by | Wellness

Tips for daily success

Looking for some tips for your daily success?

Are you up for the challenge?

Here are some practical tips you can follow for your daily success: 

  • Eat Healthy Food:  Fuel your body daily with natural and plant based foods.  At the same time, try to avoid the over processed foods that are all over the grocery store.  Most importantly, you only have one body and you must nourish it correctly.
  • Take Challenges One Step At A Time:  We all are tested daily at work or at home.  Take your challenges in increments and you will grow over time.  As a result, if you try to build a bridge in one day, it will likely collapse.
  • Practice Your Daily Mindfulness:  Start your day energized and calm.  Practice some relaxing breathing tips daily and you will set your mind for a positive energy flow.  Therefore, don’t wake up grumpy or negative, it will effect your whole day.
  • Keep Moving:  Our sedentary lifestyles will be the death of us.  Let’s make sure we keep moving and exercising.  I think we have all enough to contend with these days and the lack of good cardio health shouldn’t be one of them.
  • Set a Goal To Complete a Couple of Tasks a Day:  Stay organized and focus.  We all can start being a little more task oriented to achieve our personal goals.  In other words, be realistic and strategic in your tasks for the day.
  • Do Some Reflection:  At the end of your day, sit back and think of what you were successful in completing.  To sum up, think about what you could have done better or need to work on.
There are times that our lives are filled with much frustration and we are not feeling well.  Our drive and motivation seems to be obsolete.  This tends to put our life goals on hold.  High levels of success doesn’t happen overnight, we need to work on it.
 Conclusion:  Daily success is achievable for everyone, if you follow some basic steps.  

     What do you do make sure you do daily to contribute to your success?

Check out some of our motivational inspiration here!

Staying active is key to our success, let’s try exercising at home.

Top 8 Excuses for Not Exercising

by | Fitness

Top 8 Excuses for Not Exercising

Excuses for Not Exercising:

  1. It’s Boring:  Many of us use this excuse regularly and we need to switch up our routine, to keep it fresh.  Whether you go for a jog or jump on a spin bike, we need to expand our options.  Getting healthy shouldn’t be boring. Overcome your excuses for not exercising.
  2. My Back Aches:  Lower back pain affects many of us and being sedentary too much doesn’t help our cause.  Start stretching and get moving.
  3. I’m Thin Already:  Being thin doesn’t necessarily constitute good health.  You still can have excessive body fat.  Let’s get moving and stop the excuses for not exercising.
  4. I Hate Doing this Alone:  Find a friend or family member to start exercising with.  It will keep you both in check and motivated.
  5. Feel too old:  Your never to frail or old to workout.  Exercise benefits everyone at every age.  Look for a trainer that works with older folks it may make it easier to transition into a routine.
  6. Too busy with my kids:  Try to make a schedule around their schedule, so you can get some adequate exercise.  Another option is to create a routine to workout with them.
  7. I am too heavy:  Your weight shouldn’t be your obstacle.  Start easy and slow with your exercise routine.  You will meet your milestones, one step at a time.  Let’s stop making excuses for not exercising.
  8. Don’t like gyms:  Whether you like gyms or not, should be a no issue.  We all can exercise in our house or outside.  Try listening to some good tunes to keep you motivated along the way.  There is no excuse for not exercising, the health benefits are endless.Conclusion:  These days most of us are very stressed, it is either health, financial or just pandemic stress.  Any type of physical activity we would greatly benefit from.  It would help our mental and physical state.

    What is your excuse or favorite exercise?

     

    rad dads show logo

    On the lighter side of things, check out this awesome show called The Rad Dads Show.  It is a podcast for dads by dads.  Join Rob and Sal as they talk about the adventures of being a father.  Some good, some bad but each day is a learning one.  These two dads are also Bourbon enthusiasts. At the end of each episode they taste a different bourbon and provide their review. . Check them out at https://incredads.com/

    Looking some motivation to exercise at home?  Well here it is!

       

4 Wellness Tips to Follow During the COVID-19 Pandemic

by | Wellness

4 Wellness Tips to Follow During the COVID-19 Pandemic

Are you looking for some tips to follow during the COVID-19 Pandemic?

Here are some helpful wellness tips:

  1. Stress Relief:  These days most people are very overstressed and can use some good coping skills to get through it.  Most of us are worried about our family and friends health.  Also, the stress of staying employed during these difficult times are quite rough.Here are some tips to relieve your stress:-  Take a walk –  Listen to some relaxing music –  Try some breathing exercises –  Help someone up, it will make you feel good inside

  2. Communicate with others:  Pick up a phone call a family member or a friend.  Show them your support and talk about the good times.  Isolation from people is not helping any of our mental health during these times.

  3. Nature walk:  Take a walk outside and enjoy the simpler things in life.  Some fresh air will benefit all of us and getting some exercise in the process can’t hurt as well.

  4. Show kindness:  Check up on our elderly parents or friends to see if they need anything.  It could be as little as picking up some groceries for them or medicine at pharmacy.  Remember, one hand washes the other, someday you will appreciate receiving the same act of kindness as well.  This is a great tip to follow during the COVID-19 pandemic.

    Conclusion:     We should all do some reflection during this time of isolation.  Get back to the simple things in life.  Life shouldn’t be as complicated as we make it out to be.  I think we all should stop focusing on how things used to be and be realistic on how things are these days.  Our so called norm has drastically changed.  It could because of health issues or the social isolation in itself.  This is a time to re-focus our priorities and stay safe everyone!

    What wellness tips do you like to do during your free time?

    Let’s start making healthy changes in your life.

    Be sure to be kind, it’s easy to do!

Do you feel you are running alone in your life?

by | Health

Do you feel you are running alone in your life?

Do you feel you are running alone in your life?

How often do we feel alone is this journey we call life?  In reality, with the grace of God we are not alone.  Some of the most difficult issues in our lives seem impossible, but we will make it through only because the grace of God.

Practice some simple things:

  • Be Thankful – shed a little happiness around you today.  Be thankful for our family, friends and all the grace God gives us daily.

  • Kindness – show kindness to everyone you meet.  Even if they don’t deserve it, you will do more good than you think.  Let’s show some kindness.

  • Always Forgive – forgive others, we are all human.  Jesus forgave us for our sins. Feel you are running alone in your life?  Maybe, it’s time for a change.

  • Encourage – lift each other up daily.  We all need a boost these days and lifting a person up will help them more than you think.  Many of us have health or financial hardships due to the COVID-19 pandemic, help one another.

  • Pray – daily we should pray.  Pray for your blessings, strength and all the grace of God.  We should put God 1st in everyday and his blessings will reign upon us.  Stop running alone in your life.

  • Sing – singing can lift your soul up to a new level.  This is definitely one of God’s great gifts.

  • Smile – smiling is infectious.  It can spread joy in the simplest way.  How often someone is having a bad day and how easily a little smile can lift them up.


    Conclusion:

    Life as we know has changed quite a bit for many of us.  Many of us are experiencing hardships that we thought were once imaginable.  We must continue to experience God’s grace each and every day.  

       May God bless everyone and keep them safe!

       Check out our Pinterest inspiration.

       Showing acts of kindness is the way to go!

 

         

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