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Stay-at-Home Parents Need Life Insurance Too

Stay-at-home parents deserve a great big round of applause. From chauffeur to cook, counselor to bookkeeper, they wear many hats. The 16th annual Mom Salary Survey by Salary.com showed moms could hold 20 titles and work more than 90 hours a week as a stay-at-home spouse. While a stay-at-home parent doesn’t see a paycheck roll in each month, their financial contribution to the family is significant. Salary.com calculated the typical stay-at-home mom in the U.S. would earn a salary of $143,102. A handy calculator makes it easy for anyone to determine their stay-at-home paycheck. While Salary.com’s survey may have focused on moms, the role of stay-at-home parent falls to men and women alike. A growing number of dads are choosing to stay home with the kids, while their wives take on the role of sole breadwinner. So how does an individual’s employment status correlate to their need for life insurance? The…

5 Significant Health Benefits of Pets

According to the APPA National Pet Owners Survey, a 65 percent of American households have opened their homes and hearts to pets, with dog ownership swelling to 79.7 million households and cat ownership growing to 42.9 million. When it comes to pet ownership, besides simple companionship, there are a number of proven physical, mental and emotional health benefits pet ownership can provide. Here are five of the top benefits of pets: Lower Risk of Allergies and Asthma University of Wisconsin-Madison pediatrician James E. Gern has conducted a number of studies that indicate having a pet can lower a child’s likelihood of developing related allergies by as much as 33 percent. In fact, his research shows that children exposed early on to animals tend to develop stronger immune systems overall. Reduced Anxiety, Stress and Blood Pressure Interacting with a pet increases serotonin and dopamine, which produce feelings of contentment and relaxation.…

The Rule of 72: How to Double Your Savings in 10 Years

If doubling your savings in 10 years sounds unrealistic to you, your suspicions are correct – so long as you choose to keep that money in a savings account. Given that most savings accounts will only earn you an average annual return of one percent at best, it would take a whopping 72 years to increase your savings from, say, $10,000 to $20,000. But if you choose to invest your savings in the stock market, the Rule of 72 states that it’s perfectly reasonable to expect it to double within 10 years – or even less! But wait, what’s the Rule of 72? The Rule of 72 An old favorite of financial planners based on compound interest, the Rule of 72 is a simple way to calculate how long an investment takes to double with a fixed annual interest rate. Basically, the rule states that the amount of time required…

5 Ways to Show your Love for Less This Valentine’s Day

Love is in the air because it’s almost Valentine’s Day. For that special someone you want to treat this year, don’t wait until the last minute. Just a little bit of planning and creativity can help make this Valentine’s Day extra memorable without breaking the bank. Did you know Americans spent close to $20 billion for Valentine’s Day last year? That’s a lot of flowers and chocolates.  Men spent almost twice as much as women, averaging close to $196 on gifts versus a $100 by women. Those between the ages of 25-34 were the most active spenders on Valentine’s Day, followed by young lovebirds aged 18-24. Flowers were the most popular purchase made by men, while women spent the most money on greeting cards and candy.[1] To help get your Valentine’s Day planning off to a great start, here are some sweet and sentimental Valentine’s gift ideas for couples at…

Are You Spoiling Your Kids?

It’s every parent’s worst nightmare. You do everything you can to raise your kids with manners, discipline, and good values, but they wind up spoiled rotten. The truth is, many parents end up spoiling their children without even knowing it – especially in households where both parents work. When you have limited time and energy for your kids, it’s easy to slip into a pattern of giving in to their every demand, whine and tantrum. But while saying yes to avoid their outbursts – or to appease your guilt for not spending more time with them – may be a quick fix, it can prevent them from learning crucial life lessons such as empathy and how to cope with disappointment. Here are five signs you may be spoiling your kids, along with tips for getting them back on the right track. You Never Say No When you indulge each and…

Hanukkah: How to Get the Gelt!

Hanukkah is just days away and that means it’s time to play the Dreidel game. If you don’t know what that is, read on. If you do know, but have forgotten how we’ve got a sweet cheat sheet to get you back in the game! But first, a little background… The 8-day Jewish holiday of Hanukkah is often called the Festival of Lights because the main activity is the nightly ritual lighting of a Menorah— the Hebrew word for candelabra. Each afternoon during Hanukkah, the whole family comes together and at sundown, the Menorah is lit and the prayers are said. Family and friends sing holiday songs and sometimes exchange gifts. Delicious food is served, including the traditional jelly donuts and latkes— potato pancakes served with applesauce, sour cream and sometimes dill pickles. And then what? Give in to the food-stupid and kick back on the couch? Help Bubbe with…

Why Moms Need Life Insurance, Too

There’s a popular belief that moms don’t need life insurance, especially if they don’t work. But given the many contributions (financial and otherwise) that most mothers make to their households, this couldn’t be more false. In honor of Mother’s Day, we’ve compiled four scenarios to demonstrate why all moms need life insurance – whether they have a full-time job, a part-time job, or no job at all. You’re a Stay-at-Home Mom Think stay-at-home moms don’t need life insurance? Think again. It’s been estimated that stay-at-home moms in the US would earn $122,732 a year for their many job responsibilities, which include childcare, financial management, catering, housekeeping, IT, and car service. A $300K-$400K life insurance policy would be necessary to cover the cost of hiring outside help to fulfill these many duties in the event that you were no longer around to perform them. Your Spouse is the Breadwinner but You…

Have A Happy Healthy Halloween

trick or treatEveryone thinks of Halloween as a night for kids to get dressed up and fill up on candy, but the reality is that adults are more indulgent too, and the candy is around much longer than just one night.
Candy is difficult to avoid, and a bowl or a cupboard full of sweets is hard for anyone to resist, but given our nation’s alarmingly high rate of obesity, heart disease, and diabetes, gorging on candy during Halloween is not a smart choice.
Not only are processed candies made almost entirely out of refined sugars like high fructose corn syrup, they are full of fat, sodium, artificial colors and other nutritionally worthless ingredients.
Prevent junk food overload this Halloween and stay health-conscious by following these tips:

13 Stress Management Tips To Practice

stress free
Is your blood pressure rising as you imagine all that you could accomplish in the time that you take to read this sentence? If you identify with this statement, chances are you are one of the many Americans that struggles with stress management. While stress may be a part of day-to-day life, severe or disregarded stress can lead to serious health problems. Many of the health risks of stress include obesity, heart disease, Alzheimer’s disease, diabetes, depression, and asthma.
Clearly it is important to address your anxieties in order to ensure that your mental distress doesn’t cause more serious physical problems. While it may seem easier said than done, we are arming you with proven techniques to manage your stress so that you may lead a happier, healthier life.
13 Stress Management Tips:
1. Be active – Physical activity is proven to have positive effects on a person’s mental well being.

Health Risks of Your Commute

bad commuteDeciding between an apartment close to work or a larger home with a commute? You may want to rethink choosing the extra space over the extra time. Recent studies have shown that longer commutes can have devastating effects, leading to higher rates of obesity, high blood pressure, marital issues, and even psychological problems.
A Swedish study conducted in 2011 by researchers at Umea University indicated that people who have longer commutes tend to be less physically active. Researchers found that people who commuted upwards of 30 miles were more likely to be obese and to have an unhealthy waistline. Blood pressure appeared to be even more sensitive to commuting distance, as people whose commute was just 20 miles round-trip has an increased risk of elevated blood pressure. What’s more, the study found that couples in which one partner commutes for longer than 45 minutes are 40 percent more likely to divorce.