Term Life vs. Whole Life Insurance

erm Life vs. Whole Life Insurance

7 MINUTE READ

Ah, adulting . . . The days are made up of paying bills, scheduling appointments, and maintaining that ever-so-tricky thing called “work-life balance.” In the middle of keeping up with the day-to-day, it can be easy to forget about the future.

Retirement? Eh, we’ll get around to it one day.
Life insurance? We’ll think about it once we hit that certain age.

But here’s the funny thing about life—you can’t control it. Things happen that we never see coming, and there’s very little we can actually plan for. That’s why it’s so important to have peace of mind with a life insurance plan in place.

It doesn’t matter if you’re right out of college or knocking on the door of retirement: You need life insurance, and there’s no time like the present to get it.

Term Life Insurance vs. Whole Life Insurance: What’s the Difference?

When it all boils down, you really have two options when it comes to life insurance—term or whole life. One is a safe plan that helps protect your family and the other one, well, it’s a total rip-off.

What Is Term Life Insurance?

Term life insurance provides life insurance coverage for a specific amount of time. If you or your spouse passes away at any time during this term (usually 20–30 years), your beneficiaries (those you’ve selected to inherit your money) will receive a payout from the term life insurance policy.

 

Protect your family with term life insurance. Get a quote now!

Term life insurance plans are much more affordable than whole life insurance. This is because the term life policy has no cash value until you or your spouse passes away. In the simplest of terms, it’s not worth anything unless one of you were to die during the course of the term. Then that’s when you receive money.

Of course, the hope here is you’ll never have to use your term life insurance policy at all—but if something does happen, at least you know your family will be taken care of.

What Is Whole Life Insurance?

The premiums on whole life insurance (sometimes called cash value insurance) are generally more expensive than term life for a couple of reasons.

Whole life coverage lasts throughout your entire lifetime. You might think it’s a good thing to have life insurance coverage for your entire life. But here’s the truth: If you practice the principles we teach, you won’t need life insurance forever. Ultimately, you’ll be self-insured. Why? Because you’ll have zero debt, a full emergency fund and a hefty amount of money in your investments.

Whole life insurance costs more because it’s designed to build cash value. But keep in mind that a life insurance policy shouldn’t be an investment or money-making scheme—it’s simply meant to provide security, protection and peace of mind for your family should the unthinkable happen.

It’s like Dave says in his book The Complete Guide to Money, “Life insurance has one job: It replaces your income when you die.”

There are far more productive and profitable ways to invest your money than using your life insurance plan. What sounds like more fun to you—investing in stock with a cutting-edge company or “investing” money in a plan that’s all based on whether or not you kick the bucket? We think the answer is pretty easy.

Cost Comparison of Life Insurance

Let’s say a 30-year-old man has $100 per month to spend on life insurance. He shops around and finds he can purchase an average of $125,000 in insurance for his family. From the whole life insurance agent, he’ll probably hear a pitch for a $100 per month policy that will build up savings for retirement, which is what a cash value policy is supposed to do. However, if he purchases 20-year term life insurance with coverage of $125,000, it will cost him only about $7 per month instead of $100.

So, if he goes with the cash value option, the other $93 per month should be added to his whole life insurance payout amount, right? Well, not really. You see, there are expenses . . .

All of the $93 per month disappears into commissions and expenses for the first three years. After that, the cash value portion of his policy will average a 1.5% return per year for a whole life guaranteed cash value policy according to Consumer Reports.(1)

Worse yet, the savings he does manage to build up after being ripped off for years won’t even go to his family when he passes away! The only benefit his family will receive is the face value of the policy, which was $125,000 in our example.

But what if he invested that $93 each month for 20 years? With a 10% rate of return, that would turn into about $70,000. Even better, if he invested for 30 years it would turn into over $200,000! Talk about a lot of bang for your buck!

Term Life Insurance

How Much Term Life Insurance Do I Need?

We recommend you purchase a term life insurance policy for 10–12 times your annual income. That way, your income will be replaced if something happens to you.

And don’t forget to get term life insurance for both spouses, even if one of you stays at home with the kids. Think about what you would pay in childcare and home upkeep costs if the stay-at-home parent was gone! No matter what, you both need term life insurance.

Want to make sure your family is covered no matter what happens? Check on your coverage before it becomes an emergency. Take our 5-minute coverage checkup to make sure you have what you need.

How Long Do I Need Term Life Insurance?

Dave recommends you buy a policy with a term that will see you through until your kids are heading off to college and living on their own. That might be anywhere from 20 years if you already have children to 30 years if you don’t have children or aren’t finished adding to your family yet.

A lot of life can happen in 20 years.

Let’s say you get term life insurance when you’re 30 years old. You and your spouse have an adorable little two-year-old toddler running around. You’re laser-focused on paying off all your debt (including the house) and look forward to investing and retirement planning in the future.

Fast-forward 20 years—you’re both in your 50s and that little pint-sized toddler who would only eat chicken nuggets is now a 22-year-old college grad. The years went by fast, didn’t they?

But look where you are! You’re debt-free (the house and everything), and with your 401(k), savings and mutual funds, you’re sitting at a cool net worth of $500,000 – $1,500,000! The years were good to you, and it’s all because you had a plan.

Since you were able to build up your net worth, you have peace of mind. At this point, (even without life insurance) if something were to happen to you or your spouse, the surviving spouse would be able to live off your savings and investments. Congratulations, you’ve become self-insured! When you become more financially secure, you have less and less of a need for life insurance.

Don’t Wait Until You Need Life Insurance to Get It

The truth is, we can’t see the future and aren’t promised tomorrow. Life is precious! And the ideal time to buy life insurance is when you’re young and have a clean bill of health. Especially since life insurance companies are all about weighing the risks of the person purchasing the policy.

If a leader doesn’t convey passion and intensity then there will be no passion and intensity within the organization and they’ll start to fall down and get depressed. Get Your Free Position Now http://lock-in-your-position.com/lp7/?sponsor=homeprofitcoach

5 Term Life Insurance Mistakes

5 Term Life Insurance Mistakes to Avoid

5 MINUTE READ

Whether you’ve followed Dave Ramsey for a day or a decade, you know he hates cash value life insurance and never recommends it. Dave will always say to get term life insurance over everything else out there on the life insurance market!

But even when you’re shopping for the right kind of life insurance, there are still some things you should make sure you don’t do. Here are the top five mistakes people make when buying term life insurance:

1. Not Buying Enough Coverage to Replace Your Income

You should always buy 10–12 times your income in life insurance coverage. That small policy you can get through your workplace (which might be one year’s worth of coverage) just isn’t going to cut it.

If you’re the main source of income for your household, then your family is relying on you to provide for the important stuff: food, shelter and everything in between. If something happens to you, the last thing you want is for them not to have enough to live on.

By making sure you have the right life insurance policy, your loved ones won’t be forced to make huge changes (like sell the house to make ends meet) and can keep going until they figure out next steps.

 

Protect your family with term life insurance. Get a quote now!

Dave recommends putting the life insurance payout into an investment fund so your family could earn a rate of return that replaces your lost income, giving them much-needed financial security.

And don’t forget to get coverage for both spouses. Even stay-at-home parents need term life insurance. Calculate how much coverage they need by estimating what their hard work costs per year (childcare, education, household duties, etc.). Take that total and multiply it by 10 to 12.

2. Waiting Too Long to Get Coverage

If you wait too long to buy life insurance, you leave your family vulnerable if something unexpected happens to you. Term life insurance premiums generally increase as you get older, so buying sooner rather than later can save you money. The older you get, the more at risk you are for health issues. That will increase the cost of your life insurance or even make you ineligible to purchase a policy.

You need to get term life insurance, no matter what Baby Step you are on. Once you’ve paid off your debt and increased your savings, you’ll be on your way to being self-insured in no time.

3. Buying Too Short of a Term

We’re all about saving money. And you might be trying to save a few dollars by choosing shorter term coverage. But what happens if you buy a 10-year policy and have medical issues down the road that raise the cost of your next plan—or worse, make it so you can’t get coverage at all? That will cost you even more in the long run.

Dave’s general rule of thumb is to buy based on when your kids will be heading off to college and living on their own. If you’re in your 20s and plan on having children over the next several years, then a 30-year plan might make sense for you. If you have a few kids in the house and don’t expect any more, then a 15- or 20-year plan would be a better option.

4. Buying Too Many Riders

Some people fall for policy riders sales pitches that increase their premium and pay extra commission to their agents. But these riders offer you very little value.

Common riders might include income replacement, waiver of premium, critical illness and accidental death. Agents will pitch you these extras because they have an emotional value attached to them, but they have little actual benefit.

If there’s one exception to this rider rule, it’s when it comes to your children. If your emergency fund isn’t quite there yet, you should consider getting a rider to insure your children (and it’s what Dave did for years).

This type of rider is one you can add to your term life policy. You can cover all of your kids so you can have peace of mind while you’re building up your savings.

5. Forgetting to Review Your Life Insurance Policy

It’s always a smart idea to go over your term life insurance policy to make sure you have exactly what you need for your current situation. Your coverage might have been fine 10 years ago, but that doesn’t mean it works for you now. (And the same goes for the rest of your insurance coverage.)

Make sure you have enough term life insurance to take care of your changing needs. Maybe you had a child, bought a new home, got a raise at work, quit smoking, or had some other health improvements. These life-changing events can either help you save money or require additional coverage.

Life insurance is a major part of a healthy financial plan, and the right type of life insurance makes all the difference. That’s why you shouldn’t put off buying term life—or you could find yourself in a financial hole one day.

If a leader doesn’t convey passion and intensity then there will be no passion and intensity within the organization and they’ll start to fall down and get depressed. Get Your Free Position Now http://lock-in-your-position.com/lp7/?sponsor=homeprofitcoach

Health Savings Account 101: Everything You Need to Know About HSAs

HSAs

Health Savings Account 101: Everything You Need to Know About HSAs

10 MINUTE READ

With health insurance premiums and costs rising each year, it’s no surprise that folks are always looking for ways to save money on medical expenses.

That’s where the health savings account (HSA) comes in.

HSAs are pretty popular nowadays. Approximately 22 million people use them to save and pay for medical expenses.(1) But you may be asking, What is a health savings account? How does it work? And is it the best option for my family?

Let’s take a closer look at some of the most common questions people ask about health savings accounts—and learn how an HSA can help you save money on medical expenses!

What is an HSA?

HSAs are tax-advantaged savings accounts that can help you pay for medical expenses tax-free now and in the future. It’s like an extra emergency fund just for medical costs!

HSAs are tax-advantaged savings accounts that can help you pay for medical expenses tax-free now and in the future. It’s like an extra emergency fund just for medical costs!

You have to be enrolled in a high-deductible health plan (HDHP) to get an HSA. A higher deductible basically means you’ll need to pay more out of pocket before your insurance kicks in. But, in exchange, you get lower monthly premiums and the option to put money into an HSA to save up for your medical costs.

 

Do you have the right health insurance coverage? You could be saving hundreds!

You have to be enrolled in a high-deductible health plan (HDHP) to get an HSA.

Am I eligible for an HSA?

As mentioned above, you must have a high-deductible health plan in order to open up an HSA or put money into one. No exceptions. You can find an HSA-qualified health plan through your employer (if they offer one) or an independent insurance agent.

For 2019, an HDHP must have a minimum annual deductible of $1,350 for single coverage and $2,700 for family coverage. The out-of-pocket maximum (which includes your deductible, copayments and coinsurance, but not your premiums) is $6,750 for singles and $13,500 for families. That’s the most you’ll pay for medical costs before your insurance covers 100% of the rest.(2)

If you’re enrolled in Medicare or someone claims you as a dependent on their tax return, sorry, you won’t be able to open or contribute to an HSA.

How does an HSA work?

In most cases, your HSA acts like a savings account at first and earns interest the same way a normal savings account does. Other HSAs let you invest the money in mutual funds right away—just like an IRA! Some providers require a minimum balance before you can start investing your HSA funds, so do your research ahead of time.

Investing your HSA funds and letting that money grow over the long haul can help you start building up enough savings to cover medical expenses during your retirement years. That’s huge!

Your HSA also comes with some great tax advantages:

1. You’re not taxed when you put money into your HSA.

Generally, there are two ways you can put money into an HSA. Your HSA contributions can come straight out of your paycheck through a pretax payroll deduction, or you could make deposits into your HSA on your own and claim them as tax deductions when you do your income taxes.

Either way, you won’t be paying taxes on the money you put into your HSA!

2. The money in your HSA also grows tax-free.

Once that money is in your account and starts earning interest, you won’t be taxed for growth like you might with other types of accounts that earn interest. Whenever you see the words tax-free and growth in the same sentence, your ears should perk up a little bit!

The ability to take advantage of tax-free growth makes the HSA a nice addition to your retirement portfolio. If you’re maxing out your 401(k) and IRA contributions and are looking for another place to invest, your HSA is a great place to start.

3. You’re not taxed when you take money out to pay for medical expenses.

As long as you use your HSA money to pay for qualified medical expenses, you won’t be hit with any taxes or penalties.

Another great thing about HSAs: Once you turn 65, your HSA acts like a traditional IRA. At that point, you can take out money for anything you’d like, but you’ll pay taxes on it when you do—just like a traditional IRA.

Another great thing about HSAs: Once you turn 65, your HSA acts like a traditional IRA. At that point, you can take out money for anything you’d like, but you’ll pay taxes on it when you do.

However, you can still pay for medical expenses in retirement from your HSA tax-free! That makes using an HSA the best option for covering health costs in your golden years.

When you combine tax-free contributions with tax-free growth and tax-free withdrawals for medical expenses, that’s like getting a government match on your health care savings!

What are qualified medical expenses?

Here are just some of the most common qualified medical expenses you can use your tax-free HSA dollars for:

  • Dental treatment
  • Doctor’s office visits and copays
  • Surgery (except cosmetic surgery)
  • Eye exams and eyeglasses
  • Flu shots
  • Physical therapy
  • Drug prescriptions and over-the-counter medicines(3)

It’s also important to know what doesn’t count as a qualified health expense, because you’ll pay income tax and additional penalties for using your HSA dollars for those things.

Sorry, but your gym membership and those essential oils you use for aromatherapy don’t count as qualified medical expenses! If you have a question about whether or not something is a qualified health expense, get in touch with your HSA provider to clear up any confusion.

How much should I put into my HSA?

Trying to decide how much to contribute to your HSA? Well, if your company offers a match on your HSA contributions, getting that match is a great place to start!

But don’t start putting money into your HSA until you have a fully funded emergency fund, or unless you have a known medical event coming up. If you’ve got a baby on the way or a big surgery planned and you want to pile enough cash into your HSA to cover that event in a given year, go for it. Otherwise, make sure your regular emergency fund is taken care of first.

Is there a limit to how much I can contribute?

I know you’re probably thinking, All this sounds great, but there’s gotta be a catch! Well, there is one thing: Just like with a Roth IRA or 401(k), there are limits to how much money you can put into your HSA each year.

Single Coverage Family Coverage
 HSA contribution limit

(Employee + Employer)

$3,500 $7,000
 HSA catch-up contributions

(Age 55 and older)

+$1,000 +$1,000

The chart above shows the maximum you can put in each year, including any money your employer contributes.(4)

What happens to my HSA if I leave my job or switch health plans?

The great thing about having an HSA is that it’s completely yours. So when you get a new job or change health plans, your HSA and all the money in it come with you. You can roll the account into your new employer’s HSA or leave it alone, but those funds are yours to use for qualified expenses either way.

The great thing about having an HSA is that it’s completely yours. So when you get a new job or change health plans, your HSA and all the money in it come with you.

Remember, you have to be enrolled in an HSA-qualified health plan to put money into an HSA. Keep that in mind when you’re changing jobs or health plans. When you switch from an HDHP to a traditional health plan that isn’t qualified for an HSA, you can no longer put money into your existing HSA. You can still use the funds that are in your HSA for qualified medical expenses, though!

What if I don’t use all my HSA funds by the end of the year?

No medical emergencies? No problem! Your HSA balance rolls over year to year, so you still have access to all the money in the account. If you really want to, you could max out your HSA contributions every year and stockpile as much money as you can. It’s up to you!

Does an HSA-qualified health plan work for me?

To figure out if an HSA-qualified health plan works best for your situation, you need to do a good old-fashioned break-even analysis. Time to dust off those calculators and crunch some numbers!

Let’s say your family would save $200 per month on premiums by switching from a traditional health plan to an HDHP. That means you’d save $2,400 each year up front. But, at the same time, you’re taking on $3,000 more risk in the form of a higher deductible. You might not max out your deductible in a given year—or you might. You’ll need to make the decision based on your health situation.

How would an HSA work in a medical emergency?

Having a well-funded HSA in place can at least take some of the sting out of having to max out your deductible.

Let’s say Jack gets a new job, enrolls in a high-deductible health plan, and starts saving $100 every month in his new HSA. Plus, his new employer matches up to $500 of his HSA contributions each year. Boom! That means $1,700 is going into his HSA every year.

Jack’s a pretty healthy guy, so he’s using his HSA to pay around $600 each year for regular health expenses like dentist appointments, eye exams and the occasional trip to the doctor’s office.

After five years, he has $5,500 saved up in his HSA. But then he hurts his knee in a company softball game. After a trip to the emergency room, a surgery and a few days in the hospital, he gets hit with a $40,000 medical bill.

Jack freaks out for a few minutes before he remembers his health plan has a $2,500 deductible with 20% coinsurance and an out-of-pocket maximum of $5,000.

  1. First, he’ll need to pay $2,500 to meet the deductible.
  2. His 20% coinsurance means he’s responsible for 20% of what’s left of the $37,500 medical bill. But since Jack’s out-of-pocket maximum is $5,000, he’s only on the hook for that amount ($5,000). His insurance company is going to cover the rest.

Jack will be able to pay for all those expenses with his HSA savings and still have $500 left in his HSA account. That HSA he’s been putting money into for years comes in handy when Jack needs it the most, helping him cover his deductible and out-of-pocket costs without having to dip into his regular emergency fund or other cash accounts.

That’s exactly what a well-funded HSA is designed to do!

Work With a Health Insurance Pro

Ready to find an HSA-qualified health plan that can help you start saving on health care costs? An independent insurance agent can find the best plan for your budget and your family’s needs.

They can also tell you if an HSA-qualified health plan is right for you and help you review and compare your health plan options.

If a leader doesn’t convey passion and intensity then there will be no passion and intensity within the organization and they’ll start to fall down and get depressed. Get Your Free Position Now http://lock-in-your-position.com/lp7/?sponsor=homeprofitcoach

The Truth About Unemployment

PERSONAL DEVELOPMENT

The Truth About Unemployment

3 MINUTE READ

Do you still feel as though the media has nothing else to report on except the economy, bickering politicians and unemployment? That if they couldn’t inject fear and negativity into your life with their gloom and doom reporting, they wouldn’t have a job at all? I don’t think you’re too far off base.

The fact is, our economy is no longer in a recession and hasn’t been for a long time. It’s true, the recovery has been slow, and lots of folks are still out of a job. Many have lost their homes. But that kind of thing goes on even in a booming economy. Over 90% of people are still employed. That is pretty good! I’m not making light of the fact that some people are struggling; I’m just putting the situation in the proper perspective.

The cruelty of unemployment is that it steals part of your dignity. When you want to earn money but can’t find a job, 9.1% unemployment means nothing to you. You are either 100% employed or 100% unemployed. Either way, you can’t let “the economy” become your destiny. People win in every “economy” because of the choices they make. If this is your first “bad economy,” you may not know that many great companies and great careers have been born in the necessity of tough times. If you or a loved one is unemployed, it could become a blessing in disguise if the result is a small business or a new career choice you might have avoided in “good times.” I have met people all over the nation who are having the best years of their lives because they chose not to participate in the “bad economy.”

 

Ready to find your dream job? We’ll show you how.

These are men in their garages starting their own mechanic shops. It’s the next Mary Kay Ash writing up a business plan for new products she’s just created. College students who are developing “the next best thing” in their dorm rooms as you are reading this. This is reality!

So think about your skills and interests. How can you leverage those passions into something you enjoy doing every day while earning money for it? If you haven’t lost your job but dread going to work, maybe it’s time to fire your employer and go in a new direction. When you have a game plan for your money and career, you will have a sense of empowerment because you aren’t a slave to the lender (or employer).

Employers start hiring when they believe their businesses will grow again. Many of them are still paralyzed by fear. They’ve lost hope. People who continue going about their lives in normal ways (without being irresponsible and buying stuff they can’t afford) believe in the future. It’s called hope.

You can have fear or hope. It’s your choice.

I choose hope.

Lost your job? Here are seven things you must do.

Dave’s new book EntreLeadership recently debuted at #1 on the New York Times Best Sellers List. It’s about how his brand and business has grown through the last 20 years despite the state of the economy. Discover how his company has won “Best Place to Work in Nashville” five times in a row. These leadership principles work. They’re proven, and they’ll work for you. Get your copy now!

If a leader doesn’t convey passion and intensity then there will be no passion and intensity within the organization and they’ll start to fall down and get depressed. Get Your Free Position Now http://lock-in-your-position.com/lp3/?sponsor=homeprofitcoach

Genusity Product of the Day GenEase CBD Roll On

GenEase C B D Roll-On ?

 

Tim Sebert here…have you seen our…
GenEase C B D Roll-On ?
My mom is 81 years old and has 2 arthritic knees.
Everyday she has to go up and down 2 sets of stairs

(17 steps in each) at least twice a day…how she does
it, I don’t know because the pain from her arthritis is
excrutiating when she goes up or down those steps…
I see it in her face!  This is what prompted us to
developing our GenEase C B D Roll-On…….since
using it*, she say’s 99% of her pain has gone away.
Now I don’t know about you, but that’s success for
me …to have a product that can make a difference

in someone’s life!

If you haven’t tried it for your aches and pain…Do It Now!

GenEase C B D Roll-On ?

My mom is 81 years old and has 2 arthritic knees.
Everyday she has to go up and down 2 sets of stairs

(17 steps in each) at least twice a day…how she does
it, I don’t know because the pain from her arthritis is
excrutiating when she goes up or down those steps…
I see it in her face!  This is what prompted us to
developing our GenEase C B D Roll-On…….since
using it*, she say’s 99% of her pain has gone away.
Now I don’t know about you, but that’s success for
me …to have a product that can make a difference

in someone’s life!

If you haven’t tried it for your aches and pain…Do It Now!

Introducing….. GenENERGY Save up to 45% on your electric bill…this is a game changer!

Introducing…..
GenENERGY
Save up to 45% on your electric bill…this is a game changer!

Introducing…..
GenENERGY
Save up to 45% on your electric bill…this is a game changer!

It lowers the watts consumed power, therefore lowering your electric bill.

Join For Free

The First ever Powerline that Pays!

Join for Free and Watch your Team grow.

Earn unlimited Cash From This Company Wide Powerline

Earn unlimited Cycle Cash Every Month.

Highest Pay Plan in the Industry – Up To 94%

Automated System Builds Your Daily and Monthly Commissions.

Get Your Free Position Now http://lock-in-your-position.com/lp1/?sponsor=homeprofitcoach

We currently offer 2 different LIVE webinars per week

Come see for yourself how powerful this powerline is.

Tuesday – 8 pm ET USA = Genusity Opportunity Webinar (bring guests)
Go Here ? http://  MegaGlobal  Event. Com [remove the spaces when interring]

Saturday afternoon at – 12pm ET USA = Genusity Opportunity Webinar (bring guests)
Go Here ? http://  MegaGlobal  Event .com [remove the spaces when interring]

Sincerely

Howard Martell
Homeprofitcoach Inc LLC
757-647-2886
EST VA BEACH VA

Join For Free

The First ever Powerline that Pays!

Join for Free and Watch your Team grow.

Earn unlimited Cash From This Company Wide Powerline

Earn unlimited Cycle Cash Every Month.

Highest Pay Plan in the Industry – Up To 94%

Automated System Builds Your Daily and Monthly Commissions.

Get Your Free Position Now http://lock-in-your-position.com/lp1/?sponsor=homeprofitcoach

We currently offer 2 different LIVE webinars per week

Come see for yourself how powerful this powerline is.

Tuesday – 8 pm ET USA = Genusity Opportunity Webinar (bring guests)
Go Here ? http://  MegaGlobal  Event. Com [remove the spaces when interring]

Saturday afternoon at – 12pm ET USA = Genusity Opportunity Webinar (bring guests)
Go Here ? http://  MegaGlobal  Event .com [remove the spaces when interring]

Sincerely

Howard Martell
Homeprofitcoach Inc LLC
757-647-2886
EST VA BEACH VA

 

Vacation For Spring Break-Not Just For College Kids

 

FREE consultation ($150 value). Expert shows you how to make money online.Call (757-647-2886) 24/7 Or Skype me homeprofitcoach NOW! Profit today!” Your success guaranteed. http://www.HomeProfitCoach.com/?rd=kr2fDPDb

Every year spring rolls around and people everywhere decide to take a little break. Spring break is primarily when the college kids take their break, as it is famous for. But a lot of people, not just those in college, use this time to take a breather and rejuvenate themselves. So whether you are a college student struggling to get by, or simply someone living paycheck to paycheck, affording a good spring break can be a real challenge.

Even if you are struggling financially, there are still ways that you can go on Vacation for spring break. While you may have to make sacrifices and while it may not be as grand as you might like, even a small breather can make a world of differences and is often well worth it. If you are looking for ways to afford a good spring break get away, then here are some tips that might help.

1: Go over your monthly expenses and try to see if there are any places where you can cut corners. A lot of people will spend more money then they realize. A lot of small stuff throughout the month can really add up. So if you have any of these extra expenses, try to cut back on them and put that money towards your vacation. The more money you can save, the grander the vacation can be.

2: Before spring break even rolls around, try to book all the reservations you want. Spring break is a busy vacation season, so getting reservations for a Vacation for spring break can be more then a little difficult, and pricey. If you book your flight and hotel in advance, you can safe a lot of money.

3: Avoid eating out and try to find a hotel with it’s own kitchen, or at least one with kitchenettes in the rooms. Eating out at restaurants is one of the most expensive aspects of any vacation, so if you can cut this out you can have more money for doing other things. If possible, try to buy basic supplies from local convenience stores. Like a loaf of bread and some sandwich stuff.

4: Try going with a group if at all possible. Whether it is your buddies from college or simply your family, if you can go in a group you can often get discounts on things like hotels and planes. This is especially important for those college students out there, as a lot of times you will meet your friends at your destination. But if you travel together, it is a lot cheaper.

Planning a Vacation for spring break can be tricky. It is a popular vacation season and so most travel oriented things like hotels and plane tickets are more expensive and harder to come by. But if you plan ahead and are smart with your finances, you can get that vacation that you need with a very minimal impact on your bank account. This allows you to have the break that you deserve and need.

Stress Relief-Learn To Deal Effectively

 

FREE consultation ($150 value). Expert shows you how to make money online.Call (757-647-2886) 24/7 Or Skype me homeprofitcoach NOW! Profit today!” Your success guaranteed. http://www.HomeProfitCoach.com/?rd=kr2fDPDb

S-t-r-e-s-s, it is everywhere and unless you learn to deal effectively with it and find ways to get some stress relief, it can cause some serious health problems.

Some of the most common effects prolonged exposure to stressful situations have on your body, mood, and behavior are:

1. Headaches, muscle aches, fatigue, loss of interest in sex, and changes in your sleep pattern and bowel habits.

2. Increased anxiousness, lack of motivation, depression and restlessness.

3. Overeating or not eating enough, using alcohol or drugs, withdrawing from social situations, or lashing out in anger can become behavioral problems.

If you notice that you are experiencing any of these symptoms you should go speak to your doctor and have a physical to make sure that you do not have any underlying problems caused by the stressful situations in your life like increased blood pressure.

Have the doc give you the once over and then ask them how to decrease the stressful situations in your life.

You could just need to talk a walk everyday after dinner to alleviate some anxiety. Nothing beats exercise for stress relief and to know you are doing something good for yourself is a plus as well.

It does not even have to be intense exercise. A walk around the neighborhood will do nicely.

If you have the time you could try a yoga class. Yoga is extremely effective for relieving tension and helping you remain centered and calm.

No one has to be a victim of the stressful situations life throws at us everyday. All you have to do is find ways to deal with it that work for you. Maybe some aroma therapy would be nice.

Heck, you could even do this at work if you could find some time. Lavender is one of the best scents used for calming. Do some research online and then order some essential oils or go buy some in the store.

Remember, though, a little goes a long way. Place only a drop or two on a cotton ball or tissue and put it up to your nose and inhale slowly and deeply. Exhale through your mouth and close your eyes and lay your head back, relaxing your entire body as you exhale. Repeat as needed.

Include some soft music and dim lights to enhance the calming effects of the essential oils. Like I said, this is so easy to do, you could even manage to do this at work especially during a particularly rough day.

When was the last time you laughed…at anything? If you cannot remember when you last had a good belly laugh then maybe you need to go rent a good comedy on your way home tonight.

Everyone has heard that laughter is the best medicine, right? Well, it is also one of the best stress relief activities you can do for yourself, and it’s free for everyone to do. If the movie doesn’t do it for you then get together with some old friends and reminisce about old times. Just laugh.

Spring Time And Flowers For Fragrence and Color

 

FREE consultation ($150 value). Expert shows you how to make money online.Call (757-647-2886) 24/7 Or Skype me homeprofitcoach NOW! Profit today!” Your success guaranteed. http://www.HomeProfitCoach.com/?rd=kr2fDPDb

 

One of the great beauties after a long, cold winter are flowers in spring. The beauty of flowers doesn’t just start and end with what you can see, the vibrant colors, it can also be traced to the smell. Adding bouquets of flowers to your home can add color and fragrance, just what we need first thing in the spring.

Most of us think of flowers solely as some indulgence for a special occasion or to wish someone well when they are having a big day, or a bad day. But the truth is that flowers can not only add beauty to your home and property, great landscaping can even add value to your home.

Many types of flowers in spring bloom from bulbs. Often, these bulbs are actually planted in the fall. If you are thinking about sprucing up your yard for next spring, here are some early spring bloomers to give you a place to start:

1. Tulips are probably one of the best known of the spring flowers. They come in many colors and sizes and they are one of the early bloomers in the spring. You can easily make a whole flower garden just focusing on the various colors and heights of tulips. Seeing the beautiful colors first thing in the spring can do a lot to brighten an decor, landscape or mood.

2. Daffodils are also a very popular early spring flower. They come in over 200 varieties and are bulbs that are planted in the fall. Two of the most popular colors are yellow and white, you have probably seen these flowers often in the spring but maybe just didn’t know what they were.

These flowers will continue to bloom for up to six weeks. These flowers are easy for beginners to grow. The one tip you need to remember is to not plant them near evergreens since the evergreen will leach a lot of the nutrients from the soil making it harder for the Daffodils to grow.

3. Irises will bloom anytime between April and June. They come in multiple heights and colors so you can add several varieties to your border for a beautiful look with multiple colors. They don’t require any special soil or a lot of maintenance so they are a great flower for the new gardener. Just make sure the soil is well drained, that’s all you need to really worry about.

With any of these flowers, you can cut them and make gorgeous bouquets for your home all season long. Adding one or more of these flowers to your borders and to your home can add a lot of color and beauty, and who wouldn’t want that?

Flowers in spring are a great way to welcome the new season and shake of the blues and the blahs of the long cold winter. Anyone who lives in a colder climate always looks forward to some beauty and heat. While flowers may not really provide a lot of heat, they sure can provide color. It also can life the spirits of all of us winter weary people.

Mini Vacation Great For The Mentally Drained

 

FREE consultation ($150 value). Expert shows you how to make money online.Call (757-647-2886) 24/7 Or Skype me homeprofitcoach NOW! Profit today!” Your success guaranteed. http://www.HomeProfitCoach.com/?rd=kr2fDPDb

We could all use a break from time to time. The daily grind of our lives can leave us tired and mentally drained. A vacation gives us a chance to rest and rejuvenate ourselves. But due to the current economic situation, not all of us can afford to go on a grand vacation for a week. Those are typically fairly expensive, costing several hundred dollars minimum.

So what are you to do if you can not afford a normal vacation? Are you suppose to just suffer through it and not go on one? I do not agree with that idea. Even if you can not afford a “proper” vacation, there are a lot of alternatives such as a Mini vacation.

Going on a sort of miniature vacation allows you to clear your mind for a couple of days and recharge yourself for the hectic days to come. What I mean by this little vacations is that, instead of spending a week in Florida and going to Disney world, you do something on a much smaller scale.

Depending on where you live, you could be fairly close to a major city. A lot of major cities offer a variety of entertainment options that are all new and exciting to people from the suburbs. Simply spending a long weekend in a major city and taking in the sights can be a great Mini vacation. It gives you plenty of entertainment, does not take that much time, and above all it can be really cheap.

Another great idea for a small break is to go on a camping trip. This is easily the cheapest vacation you can get. Just grab your friends and family, a tent or two and go out and rough it for a few days. This can be a lot of fun for the more adventurous individual.

You can go to a camping ground, which may or may not cost you a little money but it also provides some facilities like showers. Or you can go all out and pitch your tent out in the wilds, living off nature (and whatever you brought of course) for a weekend.

If camping is not your thing and you do not really want to go o a major city, you could always look up local theme parks and water parks. Simply spending a day at a place like this can be exhausting, but mentally rewarding. They can be a little pricey but they are still significantly cheaper then going on a full fledged vacation.

If you have some money to spare and a little more time to use on your Mini vacation, then you could bundle a day at the amusement park with a stay at a hotel or resort. This idea will still cost a fair bit of money, but if it is only for a couple days it should be doable for a lot of people.

Going on a vacation does not have to be some extravagant, lengthy, and costly endeavor. You can enjoy yourself for a few days to change things up, and you can do so with only a little money.