Lifestyle

The Buzz on Marijuana and Life Insurance

It’s no surprise that lifestyle matters when it comes to life insurance. Diet, mental and physical health, family medical history, age, gender, and occupation—these are all common factors that impact life insurance rates. What happens when you add marijuana use to the mix? The purpose, the frequency and several other factors related to marijuana use matter more than marijuana itself when it comes to the cost of getting life insurance coverage. To Tell the Truth As far as life insurance applications go, honesty is truly the best policy. Life insurance policies are legal contracts between insurers and the insured. As…

5 Ways to Save the Environment and Save Money

In these uneasy environmental and economic times, what better moment is there than Earth Day 2018 to renew a commitment to saving the planet while also saving money? Research suggests it takes time to establish new habits. One study by University College London found it takes anywhere from 18 days to eight months, depending on the person and the nature of the habit. Here are several ideas collected that will help to conserve resources, including monetary ones. Stop Using Disposable Water Bottles “Disposable” is something of a misnomer. While the plastic bottles used for drinking water are highly recyclable, not…

Explaining the FIRE Movement

What if someone told you that you could retire in your 40s, 30s or even maybe late 20s if you put your mind to it? This sounds like some sort of fantasy to many people, but to a small group of dedicated budgeters it is anything but. They are members of the FIRE Movement, which stands for Financial Independence / Retire Early. If a very early retirement sounds like something you might enjoy, follow along to learn about the FIRE Movement and how you can get on track to your own early retirement. How FIRE Works for Early Retirement Early…

6 Steps to Spring Clean Your Financial House

After many of us have experienced months of a cold, dreary winter, the tide turns to warmer weather, bringing with it new life and a fresh start. As you sweep out the dust and brush away the cobwebs, consider not only spring cleaning your home but also your finances. Take these six steps to put your financial house in order. Plant Seeds for Future Financial Success When it comes to planting vegetables and flowers, March and April stand as key months for starting seeds indoors. Spring is an ideal time to sow financial seeds as well. If you don’t have…

10 Keys to Saving Money on Vehicle Maintenance

The average age of a vehicle on America’s roadways today is approaching 12 years. Twenty years ago that number was 8.4; 40 years ago it was only 5.5 years. Whether it is a testament to improved manufacturing, higher car prices, or maybe Americans have figured out that life is pretty good without a monthly car payment, one thing is clear: Vehicles are lasting longer and proper maintenance can push life expectancy to unprecedented levels. But we can’t forget all that care and feeding can still present some sticker shock. Here are 10 tips for keeping your ride and your wallet…

What’s the Price Tag on Tournament Time?

Tournament time. It’s all about college basketball. Waving your team’s colors, watching a few games with friends—that sort of thing. That’s all true, but it is also about a mad amount of money. About half of Americans’ overall sports spending goes to the costs of attending actual games—that’s half of $100 billion, by the way. The rest goes to various other aspects of our love for sports, some of which may make you want to consider some insurance (others may make you want to REALLY want consider some insurance). Part of that sporting events spending this year will be the…

Tips for Moving Forward in Your Career

“Moving your career forward” is an interesting term. For a long time, people only thought about “moving up”—getting in the door at a good company and rising through the ranks. But working for a living has changed. Where “job” and “career” used to be more or less synonymous, today’s careers can span multiple jobs at multiple companies. A career is becoming more and more a journey through a series of working experiences than a measure of tenure within a company or profession. If you’re in a position where you’re feeling the need to move forward—to a higher salary, a more…

Simple Tips to Avoid Credit Card Debt

With credit card offers making up a huge chunk of junk mail, it’s all too easy to say yes to yet another deal that may trigger a downward cycle of debt. It’s a fact – the best way to secure your financial future is to avoid credit card debt. Used properly, credit cards offer many advantages including convenience, a record of your purchases, protection against fraud, building a positive credit history, and perks including free travel, discounted merchandise and more.   Used to excess, a credit card is nothing more than a high interest loan rather than a substitute for cash.…

Get a Good Deal on a Last-Minute Getaway

February and March leave most people with a bit of cabin fever. The festivity and cheerfulness of the holidays are long over, and, for many of us, frigid temperatures and gray skies remain. Even if you live in a locale where the weather is relatively mild, there’s just something dull and dragging about this late-season slump. A last-minute weekend getaway is a popular way to beat the winter blues. And you can make it happen without breaking the bank. Here are some things to consider when you’re looking for a good deal on a last-minute getaway: It’s About the Journey,…

How to Help Your Brain Age Gracefully

Living life to the fullest includes keeping the mind and body active at all ages and stages. Our brains actually shrink as we get older, especially the frontal cortex, which has a direct effect on cognitive ability. The good news is there is a long list of ways to keep your brain sharp as you age—probably more than you can, um, remember. Give it a Workout Researchers have found regular mental stimulation can build new connections between nerve cells, maybe even help the brain generate new cells. Who couldn’t use a few more of those? This doesn’t mean you have…

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