Just a 46-year-old mom of 2 in Northern California. My kids are Monkey Monkey(MM) and Drama Llama (DL). I am married to Monkey Hubby (MH). I met with widowed client last week and it was just awful. Will have to nag everyone about their wills and life insurance later. Though I know that no one will listen. The problem is most people don't see all the consequences of not having all that stuff in order. I see it way too much. I could never do that to my family!
Widow will be fine because she has been supporting her family all these years anyway, has a great job, and is a very strong woman. But, it's just I can't believe her husband didn't put her names on his accounts and stuff like that. *sigh*
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I was out of sorts after that meeting. Friday I called dh to rescue me. Just had to get the heck out of there and couldn't focus, so he took me to lunch. (I had met with client the day before? But I just felt so emotionally bogged down on Friday). We haven't been religiously doing our lunch dates and so I am thinking we should plan to meet up the next 3 weeks. The lunches might pay for themselves. I think I was much more refreshed and productive on Saturday after our nice lunch date, and I do get paid OT. 3 more weeks of crazy busy with dh here and then he will be gone for a couple of weeks. So that's potentially 4 lunches out in exchange for some extra sanity. Plus last Friday was very unplanned and we paid too much for a so-so meal. We can plan ahead and eat better food for less money like we usually do. (We just kind of drew a blank last week because we hadn't eaten out in a while, I didn't want to drive to meet him anywhere, and more eateries by my office have shut down. On the way to somewhere else we remembered there is a great little Greek restaurant we had found, so maybe we will eat there this week).
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Dh took some cash out of the ATM yesterday. I had received a note that our ATM card would expire and not be renewed if we did not make a transaction. We initially decided not to bother with it since we absolutely never use the ATM.
But as the expiration of the card approached I decided that it wouldn't hurt to just keep it. If we really never use it before now and next expiry we can re-evaluate at that point.
Anyway, I was frustrated with dh because he didn't know the PIN #. Though he is the only one who has used it for like the last decade?? So I called and was relieved I was able to quickly change the PIN# over the telephone through some automated system. I probably should have done that a decade ago.
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Other than that, I am just waiting for deals to grace my e-mail.
I saw some crazy cheap sales for Hawaii airfare for even up to a year from now but flying out from cities in other states. But I know it's just a matter of time. I am waiting to jump on the first deal I see out of Northern California. Could be any day.
A couple of low-miles cars also crossed my e-mail but they just weren't "the one", for various reasons.
This & That
March 9th, 2015 at 03:20 pm
March 9th, 2015 at 04:13 pm 1425917595
March 9th, 2015 at 04:38 pm 1425919106
March 9th, 2015 at 08:16 pm 1425932172
March 9th, 2015 at 11:51 pm 1425945073
Any suggestions for a reputable life insurance companies. The few times I got quotes they were all from companies I had never heard of.
March 10th, 2015 at 01:29 am 1425950948
I don't have a will ... but I do have named beneficiaries on all my various accounts (my brother)
March 13th, 2015 at 04:19 pm 1426263582
Get life insurance NOW. TODAY! There is no risk in doing so - you can change beneficiaries or cancel and get insurance or whatever, later. Just get it done. Mostly concerned that your spouse has insurance in case anything happens to him. Ask him what on earth you (and kids) are supposed to do if something happens to him.
Maybe ccfree can chime in, but check insurance ratings. If you buy a 30 year term insurance policy, you know, you want to feel that it's reasonable that said life insurance company will still be around in 30 years. The internet is your friend. Off the top of my head I don't know what those ratings are called. We bought our insurance many ages ago and have refreshed recently with my professional association (just supplemental). So you know, I haven't shopped around in a decade but I know there is a wealth of information at your fingertips.
One reason it is so crucial to do today is the cheaper it is the younger and healthier you are. Not that I have never shopped around, but there is nothing cheaper than the insurance I get through my professional association and the insurance we bought in our 20s in peak health.
Also, one thing no one seems to understand is that you can cancel a term life insurance policy at any time. I mean, check the terms. But you can err on the long term side with no commitment to actually keep it. I think it's wise to lock in low rates. It may be more rare to actually pass away, but it's not rare to develop health conditions on the young side. If you don't get insurance before that happens, you will be left with fewer options.
March 13th, 2015 at 04:22 pm 1426263745
March 13th, 2015 at 04:31 pm 1426264301
In the meantime, make sure you are named on each other's accounts, named as beneficiaries on retirement accounts, etc. That you both at least have access to all your assets.
March 15th, 2015 at 05:25 am 1426397104
March 15th, 2015 at 01:25 pm 1426425950
March 15th, 2015 at 11:50 pm 1426463440
Looking at $500k, 20ish year term. Have gotten quotes that range between $56/mo/pp up to $220/mo/DH.
I should see if there is any association discounts for my profession.
March 16th, 2015 at 01:08 am 1426468126