As a homeowner, wife, and mother, I learned a long time ago to make sure that my family is prepared for any of the wild twists and turns that life may take. For example, I keep meticulous financial records and follow a strict budget to ensure that we have enough money to pay our bills on time. I even adhere to that old rule of thumb about saving the equivalent of six months’ worth of salary so we can get by if my husband loses his job. And of course I have to make sure that we have sufficient insurance coverage no matter how often our needs change.
I’m surprised by how many people just purchase home insurance and motor insurance, and leave it at that. A lot of my friends settle for the minimum coverage in order to save money, but that obviously means they’re exposed to huge risks. If a major catastrophe occurs that reaches beyond the scope of their policy, they’re going to be in big trouble.
I refuse to put my family at risk like that, so I try to find policies that truly fit our needs. Besides home, auto, and health insurance, I also purchase travel insurance whenever we go on international vacations. It really gives me peace of mind to know that we’ll have access to medical assistance no matter where in the world we travel, and this allows me to enjoy my vacations without worrying about what might happen if one of us were to fall ill.
In my opinion, insurance is not something that should be taken lightly. I recommend that you review your current policies to determine whether or not you have sufficient coverage. Whether you need home, auto, health, travel, or even pet insurance, you’re sure to find a new policy that’s right for you. This isn’t something you want to put off until it’s too late, so check out some policies today!
A couple weeks ago I told you that I placed a big order through the St. Jude Children’s Research Hospital Hope Catalog. The proceeds from all Hope Catalog orders go directly towards helping St. Jude provide care to thousands of children suffering from cancer and other catastrophic blood disorders — regardless of the patients’ ability to pay for the services. This is a truly important cause, and I am proud to be a supporter.
When I was in junior high and high school, I was convinced that I wanted to be a lawyer. I watched L.A. Law religiously, read books like Presumed Innocent and The Firm, and just generally soaked up any cultural experience that had to do with lawyers. Needless to say, that phase passed just a few short years later, and I pretty much went out of my way to avoid Turow, Grisham, and popular legal shows like Ally McBeal and The Practice.