Month: November 2019
Buying Instagram followers and likes is not illegal, but it highly violates the terms and conditions of Instagram. Neither you will get banned for buying Instagram followers or likes; not it is illegal. The good idea is to engage your followers in your posts and get real followers and likes. There are many websites or services that offer to increase the number of followers through some tools and charge money for that. The best idea of getting more followers is to go to the homepage and make your profile more engaging and attractive.
The brand tends to gain popularity by using good sources for engaging their followers, but nowadays, there are fewer marketing efforts. Buying Instagram followers or likes is quite easy, but it won’t make you earn money and will bring down the reputation of your product. Buying likes or followers is meaningless and let us know some of the reasons why one should never buy likes or followers.
Know some of the common reasons why you should never buy followers or likes:-
- Instagram detects every fraudulent activity
Instagram has a high-security team, and they are hired to detect fraudulent activities. If they find that you have fake followers or likes, they will suspend your account and can also terminate it. It is not beneficial to spend money on buying followers as you won’t get rewards for fake likes. Profiles who have high engagement only get the reward for their posts. It is better not to waste your time doing any fraudulent activities and put effort into engaging more people for your products.
- Instagram bots are dangerous
Using bots to gain more followers can be highly dissatisfied as these bots make comments by their fake profiles. Comments such as love it, wow, and many others seem amazing at first, but posting such comments on posts is death, or any sorrow will look distasteful. People tend to hire the Instagram bots to like the products or hashtags, but they might end up doing unsavory content. For example, if you have used Instagram bots to use posts which at for fitness, it might be possible that these bots end up liking sexual content or incorrect hashtag. Instagram bots can be highly dangerous as these can ruin the reputation of your company or product.
- No rewards
Investing in services that offer you to increase your followers or likes with fake accounts won’t graduate you for getting rewards. Instagram pays to the accounts that have high engagement and are active. It is better to save your money and efforts and invest that time in making your profile better and making people more engaged in your products. The idea of getting rewards by buying likes won’t make you qualify for rewards, and you may end up making the reputation of your product spoil.
Quality content will bring you value. Instead of buying followers and likes, it is better to make efforts to make your profile better and your posts more engaging. This will help you to earn money and a high reputation as well. Instagram always encourages people that have real followers, and this will make your brand earn more name and reputation.
When playing a game like golf, one must always consider the impact of sport on the environment. However, electric golf carts are eco-friendly as they use renewable energy for operating. Using electricity makes them a reliable source that does not harm the environment. They don’t require much maintenance as compared to gas vehicles. Plenty of options are available on the market, and it can be difficult for many of us to choose the right one.
Sometimes, you may end up getting nothing even in the sale. Those who run low on a budget must remember several factors before deciding on what to choose. There is no need to worry as you can buy electric golf carts at an affordable price. Well, finding the best one is not so easy. That is why we are here to help you. In the guide, we have come up with the top eco-friendly electronic golf carts. These units are available at the perfect price range. You can choose any of them according to your needs. Let us discuss these vehicles below.
- Star electric cart SS
The star electric golf cart SS is one of the fantastic vehicles which comes at a reasonable price. This unit uses unas baterias that make the cart a complete 48V system. Moreover, you can also upgrade the vehicle, and the motor is powerful than other standard units. There is a DC setup, which is a common function available in almost all the carts. When we talk about speed, it can go up to a maximum of 25mph. Drivers and riders will be able to enjoy the comfortable seats, which also appears sleek in design.
- Garia street legal golf cart
If you are the one who is looking for something premium, then consider purchasing this Garia via the unit. The reason is that it is different from others in terms of features. It comes with sport suspension to keep the vehicle running smoothly. You don’t have to worry about batteries as the cart features Samsung SDI batteries made from lithium-ion. It means the electronic cart got a long-lasting system. This one can also be run on the streets and has a maximum speed of 25mph.
- Garia Monaco
Garia Monaco takes the golf experience to another level. This unit can go with a speed of 36mph, which is way faster than the 25mph ones. Apart from its speed, it also features a covered front hood. You can expect a smooth and comfortable journey when moving from one place to another. Moreover, the vehicle is also considered safer than many others available on the market. The price may be an issue, but those who are willing to have something extra can go for this one.
Are you looking for that cart that can do a lot more than just roaming around? Imagine driving the electronic cart from the club to the streets without any trouble. There is also enough room for storing food and unas baterias for powering the unit. The E-Z-GO vehicle is all you need to fulfill your requirements. It comes with a zero-emission engine that is made from the hundred percent recycled materials.
To sum up, these are the top eco-friendly electronic carts that you can buy at a reasonable price. It is your decision to choose the right one which meets your requirements.
The majority of the folks are investing money in the best 3D printers like Monoprice and FlashForge, as well. If you want to print high quality material, then these fantastic printers would be an ideal option for you. The popularity of 3D technology is continually is on its hype. You will find a lot of people are addicted to 3D printing, which is delivering a high quality print. It would be better to consider sync-innovation.com that is providing top-notch quality 3D printers at nominal worth.
All you need to create a particular checklist of the 3D printers and opt for the best one that can satisfy your requirements. Before buying any printer, you should consider the features and worth as well. The following are the best 3D printers that are especially available for beginners only.
- Monoprice Select Mini V2
If you are looking for the full-featured best 3D printer, then it would be better to consider the Monoprice Select Mini V2. It is considered as the best printer that is available at an affordable worth. This particular printer is offering more volume than others. This fantastic printer is available at $199 only. You will find a lot of people are investing money in such an incredible printer that is incorporated with incredible features. It will be surely able to print a lot of material without making any noise. If you have the proper technical knowledge, then you should invest money in the Monoprice select mini V2 that is continually offering a lot of benefits to the business owners.
- FlashForge Adventurer 3
If you are expecting high quality print material from the printer, then you should invest money in the FlashForge Adventurer 3. It is considered as the best printer that is associated with Adventurer 3. You will be surely able to set up such a fantastic printer with ease. If you don’t have a budget for the expensive printer, then you should invest money in such a fantastic printer.
- Anycubic Photon
In order to buy something great printer for sharp details, a person should invest money in the Anycubic photon that is a relatively better printer than others. If you want to buy any perfect printer, then Anycubic photon would be the ideal option for you. It is associated with rapid prototyping technology that is offering a lot of benefits to the business owners. Such a Fantastic printer totally depends on the UV light that will able to cure the liquid resin. If you want to handle such a printer, then you have to make the use of rubber gloves. Try to wash the prints using isopropyl alcohol.
- FlashForge Inventor 2
There are few companies that are available that are offering the advance technology printer, and FlashForge inventor two is one of them. You will be surely able to make the use of such a fantastic printer using WI-FI passwords. It is associated with a heated print bed that is offering a lot of benefits to the users. All you need to consider 3D printer according to the requirements only.
- Creality Ender3
Lastly, if you don’t have a budget for the expensive printer, then it would be better to invest money in the Creality Ender 3 that is available at $230. It will able to print the material using ABS plastic or Polylactic acid as well.
Moving Further, try to consider the best 3D printer that will able to offer high quality print. If you don’t want to face any issue, then it is your responsibility to invest money in the best printer. Make sure that you are considering a printer associated with advance technology features.
Tracking a contact number without its owner’s consent seems a bad idea. But it’s actually a helpful step in many instances. For example, it’s great in getting in touch with a friend you haven’t met for years, or help identify an anonymous caller bugging you. Thing is, you should use a reliable white paper for it, such as the annuairespageblanches.com: a trusty white pages platform online.
Why Track a Cell Phone Number using the White Pages today
White pages are what commonly known as telephone directories. But the more popular term seems already outdated, since white pages now carries other contact details. It often includes mobile numbers, email address, Skype ID and websites. These are along with the traditional name of person, telephone number and address.
Moreover, white pages don’t necessarily come in hard copies or booklets. Today, you can find many white pages on the web. These services come in the form of websites or apps, so users would simply choose one that’s suitable for them.
That’s how white pages offer cell phone number tracking perks today, such as:
Get in Touch with somebody you know
This is probably the biggest benefit of using phone directories or white paper. It gives you a chance to get in touch with somebody you haven’t met for a long time. Think of a childhood friend, a classmate or a distant relative. You probably haven’t got their contact info before, or they changed it up along the years.
For it, you only need annuairespageblanches.com: reliable white pages. Then, search for the name of such person to see their contact info. But remember that people may change their name, such as changing surnames after getting married. Also, not everyone who has a mobile number have their info in the white pages.
That’s why always be careful in using white pages to avoid making wrong calls. Also, remember to be polite on your first call to a new number, and confirm if it belongs to somebody you know.
Remembering a Contact Detail you’ve forgot
Mobile numbers are strings of digits which are hard to remember. That’s why handy and digital phonebooks are there. It helps you retrieve and use a number to connect with somebody. But what if you haven’t saved a mobile number in your phonebooks, and you need to use it up?
That’s another perks white pages offer. Simply try searching such person in the phone directory, then try using it to contact them. Of course, be sure to save their numbers in your phonebooks for later use.
Help you in Cases of Emergencies
Commonly, emergency services and departments use hotlines which are easy to remember. So, people would conveniently call them up in dire instances. But keeping dozens of easy-to-remember numbers is still a task to do.
That’s when white pages become useful again. If you’re in an emergency and you have a mobile phone on hand, try using it to call emergency response services. Directories are helpful in checking mobile numbers of the police, fire fighters or ambulance among other teams you need. You don’t have to search it on Google, since you can open a directory without hassle.
Connect with Service Providers or Product Sellers
Businesses want to earn more by compelling more customers to their brand. That’s why they put their contact details on different mediums. That’s for more people to spot through the most convenient means for them. And it includes annuairespageblanches.com: the phone directory platform, of course.
If you want pizza, for example, you can check a phone directory to know the mobile number of a pizza delivery service around. This is also great in calling service providers you need, such as household repair services and automotive technicians.
Identify an Anonymous Number
Now, there’s a unique type of phone directory many people doesn’t know. It’s called gray pages, or reverse telephone directory. As its name suggests, it shows contact details in reverse, since it first display the contact number before the name of a person. This is helpful if you want to find the identity of an anonymous mobile phone number.
For example, an anonymous number is bugging you every day. It often rings your phone or send annoying text messages. With the help of gray pages, you only need to save such number. Then, search it up so you’d know who its owner is.
However, it’s understandable if you can’t find a gray page to use. You can connect with your telecom service provider for help, or call the police instead. They offer free reverse directory search to identify the owner of an anonymous number for you.
Tracking a cell phone number using white pages is certainly helpful in many ways. Just remember to use it properly to reap its perks. Also, consider using annuairespageblanches.com: a white pages service you should trust today.
You will find the majority of the professional gamers are making the use of the PS4 controller on PS3 with ease. A person can easily make the use of Dualshock 4 on a PS3 device without facing any issue. All you need to plug it in the USB port. If your PS3 is incorporated with perfect firmware, then you will be surely able to use the PS4 controller wirelessly.
There are a lot of features & high profile games that aren’t compatible with PS4. If you are one who wants to use the PS4 controller on the PS3, then you have to download proper firmware for it. After that, you have to invest money on the perfect USB cable. If you don’t have genuine firmware, then a person can easily purchase from here. In order to use a PS4 controller on PS3, then a person must pay close attention to the following essential points.
- Ways to connect the device properly
There are a lot of games that you will not able to play on the PS3 controller like Gran Turismo and others. If you want to connect PS4 controller on PS3, then you should pay close attention to the forthcoming essential steps-
- You should plug the DS4 controller with a USB cable
- After that, a person must customize the accessory setting and check the Bluetooth devices.
- You must find out a perfect device and pair it, and then choose the wireless controller
Just in case these steps aren’t working properly, then it is your responsibility to make contact with a professional gamer and get to know more related to the perfect firmware.
According to the professionals, if you are connecting a PS4 controller with PS3, then you will not be able to play your favorite games. Old Dualshock 3 isn’t beneficial. If you want to play your favorite or high-level games, then it would be better to consider the PS4. If you have proper accessories, then you will be surely able to connect the PS4 controller with PS3 or IOS device as well. If you don’t have much information related to the PS4 or PS3 controller, then you should pay close attention to the basic information.
- Update PS3
Before making a connection with PS3, you should invest time in downloading the latest firmware of PS3. After that, a person should register for the Dualshock 4 as a Bluetooth device. After that, you will able to make the use of device wirelessly. You cannot use a lot of features in the wireless mode.
- Wireless connection
A lot of companies are out there that are providing the Dualshock 4 controllers in the Playstation 4. Therefore, if you want to connect the device with PS3, then it is your responsibility to invest a considerable amount of time in the firmware update to 1.72 versions that are quite important. You will be surely able to connect the device using Bluetooth and other features. All you need to pair the device effectively with a controller.
Moving Further, if you have PS4 PR OR Slim, then you will surely make a connection with PS3. PS4 is considered as one of the great devices that are offering a lot of benefits to professional gamers. All you need to make a connection with a device using a PS4 Dualshock 4 feature.
The recent legalization of cannabis in Canada and the United States of America for recreational purposes, and it is also known as hemp farming act. And this is the main reason why marijuana products are popping up everywhere, and when we talk about the plant from which it is extracted has the unique aspect to eliminate the overall pain from the body in one go, and this is the main reason behind recent hype of the product. Legal CBD helps many users of marijuana for recreational purposes of staying away from any pain and disease.
Essential oils used for pain relief and brief discuss on them
according to CBD at Stonerszone, it is the best oil that has the premium anti-inflammatory, which is massive and has better results as compared to CBD oil. Because of the high concentration of BCP that ensures about the fact that CB2 stays in better shape, and this is the main reason why people love to; therefore, this is the primary reason why it helps us to relieve muscle pain and chronic pain be also relived. Still, one has to take the services of this oil regularly if anyone is willing to have the best results in a short time.
this oil is similar to the oil mentioned above as it is also loaded with BCP elements, which ensure the fact that one can stay pain-free without any effort. Also, this helps us to increase the tolerance level because they promote the cells which make our body healthy and we all know about the fact that this oil is made from black pepper and this element has been in our home from ancient time and act as a pain killer for many years. Adding on they also heal our bruising swelling and scratches in an effective and efficient manner.
the oil which has the best anti-spasmodic properties which also known as creosol, and they kill the cancer cells on a very higher and stronger note. And the main reason behind the recent success of this oil is the capability to treat headaches and muscle pain and also can eliminate the muscle and joints pain in a natural way. Therefore with the help of this oil, one can stay in better shape for a longer time. Not only help us to stay away from many pains, but the oil also can increase our life span.
Oil which is used to kill our stress cells in short time and with the help of this oil one can stay away from anger and control the emotions like low self-esteem.and jealousy, and it is extracted from a particular flower which has a mild flavor which also can control the fast heartbeat. The smell of this flower is real and pleasant; therefore have flower scent and help us to stay stress relive by just grabbing the bottle of Lang oil.
Wrapping it up
All in all, to conclude this article, we have depicted some of the significant oils which are similar to CBD oil. Still, they are more potent than this oil and make sure that from their consumption, their users can stay in better shape and pain-free without many efforts.
Today everyone has a car, and even they keep on upgrading their models year after year. After a point of time, the functioning of the vehicle gets disturbed. So to avoid accidents, people believe in buying a new car. People think that they are having insurance, so they ignore the fact of damages. It’s always better to buy a new car when you feel that your old vehicle is creating a problem. Nowadays the trend of car disposal business is increasing day by day. The car disposal company buys second-hand cars from the interested sellers, and they pay them the scrap value. 4wd vehicle removalsit is the latest and easiest way to make sure that the owner retains the value of the vehicles.
The brighter side of car scrapping
Whenever a person decided to sell the car, make sure that you are getting a good deal. Selling the car in scrap value is very painful. Because whenever the person buys a new car, they need to pay millions of dollars, but when they sell their car, they hardly get one-fourth of the car. If the person is smart, then they can get more money in terms of scrap value.car is made from a lot of nuts and bolts. So if the person separates each one of them and then sell them separately, then they can earn a handsome profit. By selling separate parts is more valuable than selling the whole car.
The owner of the car should sell the different parts of the vehicle to various shopkeepers. Like sell tires to the tire company, seats to the seat manufacturer, and likewise so on. By doing so, the person can earn the right amount of money. All the parts of the car have their importance, so get the best deal by comparing the selling prices from different shopkeepers. If the car owner has a unique and rare number plate, then they can get a good deal because people are always ready to pay lots of buck for a particular number plate.
Where to sell the car?
There are many ways to sell the car; it can either at nearby shops or online. The person also gives their cars to charitable institutions. So the person should check where they can get the best deal. And the car owner should choose the deal with is suitable and easily accessible. The best decision will help in selling the car at good prices.
Car trade market:
when the person sells their car in the car trade market, then they get fewer prices when compared with private selling. The benefit of selling a vehicle in trade is that they arrive quickly sold without going to different shopkeepers. The car owner needs to place their car in the trade market. And there are thousands of vehicles, so all the sellers come there to buy used cars. The car is sold at bargaining prices without the buyer gets more options at one place. Thus the buyer buys cars which provide them more benefits.
There are many online apps that are specially designed for selling cars at good deals. With the help of an online website, the person can sell their car by sitting at home. All they need to do is to upload the complete information of the car, including the model of the vehicle, year of purchase, and the distance covered by the vehicle to date. Therefore, online dealers provide satisfied and trusted services around the globe. So that people can sell their cars online without any confusion.
If you are looking for a new vinyl player, it is necessary to make sure that the unit can deliver high-quality sound. Indeed, those people who have the best record players experience music differently as vinyl changes the way of listening to music. Whether you want to hear old records or like to explore something with a turntable, you will always find plenty of options that are available on the market for all types of music lovers. Well, it is not that easy to get the finest turntable for the first time.
There are chances to spend thousands of dollars buying the wrong product. Everyone does not want to spend much amount purchasing a vintage device. That is why they always look for the affordable but best unit. Don’t worry as we have come up with the top turntables that you can buy in the price range of five hundred dollars. Not only these are affordable but also come with unique features. The devices are the all-time favorite. The machine also assures to deliver high-quality sound. Without additional ado, let us discuss the top turntables under five hundred dollars that are available on the market.
- Pro-Ject debut carbon
The best turntable you can buy from the market under $500. Pro-Ject debut carbon comes with high-quality Ortofon cartridge, which is combined with a carbon tonearm. The reason why we recommend the vinyl player to all is that it can bring out every sound from the record that you play. Always make sure to keep the records pristine. It helps to ensure that the dust doesn’t get picked up in the unit. This one is not a negative point as the audio quality is awesome, and the device is worth every penny. You can also look at another turntable named Crosley. A wide range of products offered by them at an affordable price, and one can check the Crosley turntable review to choose the right one for you.
U-turn-audio features an acrylic platter that allows reliable and consistent speed. It has a speed of 45RPM and features Ortofon OM53 cartridge. This beauty is fantastic, and the unit is the cheapest one on the market, still the best one. The smooth motor, belt, and cartridge that help to eliminate the noise while operating.
- Denon DP 300
There is a perfect amp included in the Denon DP 300 with the flexible material. Not only it provides a personal experience of great sound but also accommodate according to the music that you are listening to. If you are the one who loves the base, then the unit is made for you, and it also comes with a removable cartridge. Those who don’t like this option can move to the Crosley Company by reading the Crosley turntable reviewon the internet. Each device is made with perfection, and the company is leading marketers on the market for producing the best vinyl players.
- Rega planar
A user-friendly and low noise motor makes the device a perfect turntable. This is a top-class product that gives an analog and solid sound with some adjustable settings. It comes with a flexible tonearm and performs at a consistent speed.
To summarize, these are the top best turntables under $500 in 2019. All you have to do is to select the perfect one according to your needs.
Many people love to plant flowers in their gardens, especially in the spring. The reason is that many plants are available at that time. Indeed, you may don’t know about finding the greatest deals in an unexpected place. Indeed, many suppliers offer discounts in the spring. We know that it is not easy to find the right one to make a purchase.
Don’t worry as we have come with the best one that will give you excellent deals on the plants in spring. We are talking about the Aldi platform, which is selling basic gardening products at craziest prices ever. Whether you are looking for adding some colors to the flowers or want to have landscaping plants, the picks from Aldi is perfect for doing the job. If you still have some doubts, then do check out their reviews on the official site. Let us talk more about the top gardening items that are affordable to welcome spring.
- Ornamental or shade tree:
We all know about the beauty of the small trees. They look incredibly beautiful when used in the right locations. They are the perfect way of adding color to the landscape for counting them year after year. Not only they come with fragrant and gorgeous blossoms, but they also attract birds for making branches for their nest. Starting with a new tree for watching it grow for years only for fifteen dollars is the craziest deal we ever saw. The company is selling ornamental and bare root shade trees at an affordable price. There is no need t wait for the growth of sapling as it is already grown for about 3ft tall.
- Premium rose bush:
Roses are grown in every garden regardless of the area where it is planted. This is a fun challenge for growing this one in the spring. Some people don’t buy the product because of the high price. By visiting Aldi, there is no need to worry as they have come with an awesome deal to make you happy. You can grab the premium rose bush at only six dollars. There are some varieties available in the item according to the location. If you want to look at the quality, then consider checking the reviews on the site.
- Eight-inch potted hydrangeas:
As far as we know, there is no one who doesn’t love hydrangeas. I mean who wouldn’t like them? These are colorful and hard and best for completing the empty garden. Without the presence of this plant, it is not possible to say that the garden is looking at its best. The combination of blue and pink color makes everyone fall for this one. You can get the hydrangeas at only 12 dollars from Aldi. The price was just half when we compared it from the market.
- Clematis flower plant:
Clematis flower plant is for those who are looking for the flowering vine. They are up to 8 inches long in size that makes them big. One has to start planting them for getting a shower of flowers in the spring. This one is only available in some select stores, so consider buying from Alde at an affordable price of five dollars.
To sum up, these are the top products that you can buy this spring at the best value. You can also check the reviews on the site about every item.
Essential points to be covered on this topic
These are the items that are used to grow plants in the spring season, but have you talked about its tools?
Tools are those products which are used to cut or sow seeds in the ground, or it is used to give shape to the plants. There are different tools for different seasons. Winter season requires various tools, and so do the spring season. Spring season is one of the favorite seasons for the gardener because plants grow smoothly in this type of season. In this season, we have to replenish the soil and water them regularly. This season challenges us to take care of the plants in a beautiful way. Challenge is a must for growth as, without challenge, there will be no growth. Some other factors are to be taken care in the spring season, and that is,
- Perfect planning
As we know that spring season is the challenging season for the gardeners. An excellent gardener would plan everything before spring season arrives. There are many things which are to be scheduled before the arrival of the spring season as which tools are to be used, how to do plantation etc.
- Collect essential tools in one place
Spring season requires different types of devices for plants. There are many tools like another type of scissor or brush to clean the plants that are already in the soil. Special tools are necessary to take care of the plants as if they are not taken care of, and then they will not grow smoothly. Caring is what plants need the most. Where there is care, there is growth.
- Cleaning on time
You should clean your garden on time as many leaves going to spread on the garden in the spring season. It should be planned already on your list. There are many ways, and also there are many tools through which you can clean up the garden. You should make a group of people at your house, or you can hire garden cleaners. There are many tiny things present in the garden which should be get cleaned. It is essential because it will stop your flowers to bloom. Flowers should be blossom up, which adds charm to your garden. Garden mainly should be consisting of most beautiful flowers and plants.
- Check on soil:
You should do a regular check on the soil. If any insects are found on the soil, then that soil should be removed, and new soil is to be added to keep the plants alive and healthy. You should check on the fertilizers that soil should be fertilized on time. In this way, plants will grow more fast and robust. This is the process of nourishment of the soil. Nourishment is the essential art of gardening.
- Shape your plants:
Now it is time for your plantation. If you have planted vegetable crops in your garden, then you can add spring plants in them to give them a perfect look. You can add some plants on the edges of the garden so that your gardens should look perfect in spring.
- Add bird feeders:
We should also think about birds as in spring, birds would also get thirsty. For them, we should add a bird’s feeder in the garden in which water and food for birds should be there so that birds can have those in their belly. If we care about birds, then those birds will take care of our plants. They will take care of our plants in the following ways as they eat the insects present on the flowers and plants.
These are the essential factors that are to be taken care of in the case of the plantation. Plants will grow smooth and healthy if you take care of them from time to time, and also, it is one of the main factors.
Buying life insurance can be intimidating, boring or downright scary. Buying life insurance is also one of the more important things you can do for your family. There are lots of guidelines about buying life insurance put out by the insurance companies. Sometimes it can be hard to sort through all the information about buying life insurance, and I hope to give you some tips to get you started.
Know what you need the life insurance to do for you. Do you need the money to finish paying debt? Put the kids through college? Finish raising the children? Allow the widowed spouse to retire from the work force? It can be emotional to think about and discuss and difficult to talk about, but you need to know why you are buying life insurance. For my husband and I, this is how it looked: I am a stay at home mom; we have two young children; we bought a home two years ago. We decided that at the minimum, I would need life insurance money to get reestablished in a career, and finish raising the children. He wants to be able to stay at home for one year and get himself and the girls settled before returning to his workforce. We kept these needs in mind while shopping for life insurance.
Term or whole life? Term life insurance is a basic insurance protection. You pay your premium for a previously decided amount of money, and upon your death, the insurance company pays that amount of money to your beneficiaries. Whole life insurance provides this benefit, but also builds up a cash value. Some of your premium payments go to provide this cash value. So in order to have the same size death benefit as the term life insurance policy, you would need to pay much larger premiums. An insurance agent can explain these policies in more detail, and there are many, many articles written by experts on this subject. I would suggest doing some research. In our case, we went with term life insurance. Our girls will be raised in approximately twenty years, so we bought the term policy for that length of time. You can always reassess your needs as life changes.
Look around you for options. There are ways to maximize your life insurance that you may not have noticed. Many employers offer life insurance policies at very, very low cost, and many will provide the equivalent of one year’s salary at no cost. Some of these policies are portable, meaning you can take them when you leave the company, and some are not. So it’s wise to consider your expected longevity at this particular company, or what the cost is for taking these life insurance policies out of the company. Your mortgage company may offer an insurance benefit that pays the mortgage off if one of the owners dies. Or if you are a member of a credit union, some of them also offer a life insurance policy for smaller amounts, such as $7,000 or $10,000 for very small premiums. We have one of those largely for burial and funeral payments.
Should you buy insurance on your children? Buying any life insurance is a very individual process and decision, and whether or not to insure your own children is even more so. Some parents buy whole life insurance policies (discussed above) when their children are born or very young as a “savings account” for them. If that is the intent, there are more profitable and easier ways to establish savings for your children. I would advise checking other options than life insurance for this purpose.
What about burial insurance? My mother passed away unexpectedly a couple of years ago, so I do know how this sudden expense can impact a family and its finances. Many people consider what is known as burial or “pre-need” insurance. This life insurance is sometimes required to be purchased in a lump sum. Sometimes payment plans are available, depending on what options you choose in this policy. Several states, concerned about potential abuse in burial insurance, have passed requirements on these policies. It’s wise to check what the requirements are in your state. I would consider all of your other life insurance options before purchasing a specific burial policy however. You do need to discuss your burial wishes and requirements with your spouse or some other family member, though. As discussed above, many times small life insurance policies are available for a small amount of money, and those can be used to pay for burial and funeral expenses.
Buying company life insurance is an easy way to make sure that all your employees are covered from any unfortunate happenings and this is also a good encouragement booster. This goes to show that as company’s head you value your employees.
Buying life insurance doesn’t need to be scary or intimidating. A good life insurance agent should present several options to you. I know it’s difficult to think of where yet another payment is coming from to pay for life insurance. We are a young family, too. But once again, look around. By comparison shopping, we found an insurance company that provided quality auto, home and life insurance for what auto and home insurance alone had cost us at another company.