DD had a good day yesterday. She and one of her roommate-to-be's went and looked at a couple of apartments. They hated the first one but loved the second one and have decided that's the one they are going to try to get into for next Fall. They do 9 month leases and will just have to wait until summer to see what is available and get a deposit down if they can get in there for September.
Then while she was messaging me about that her aunt forwarded her an email from her company's Procurement Manager that she is very interested in setting up an internship position for DD. So, yay for Auntie for following up and helping DD! DD sent this manager her resume and an email, so let's keep fingers crossed it all works out.
My packet of Creeping Thyme seeds I ordered came in the mail yesterday. I will probably have no luck getting them to grow, but isn't the packet adorable?!
I just got a call regarding my term life insurance application. Well, of course, now the premium is more than double what was quoted to me online. Apparently due to my prescription of Atenolol for occasional hearth arrhythmia. I could go down to a lower face value or a shorter term. A 10 year term would be $34 a month, while keeping it at the original amount and term would be $61 a month, more than double what I was quoted online. They also compared it to their other companies and this was still the lowest price company to go with.
I hate making these kinds of decisions! I think I will go with the 10 year instead of 15 year. That would put it covered through my age 61 and if something happened to me DH would have this money and then be able to start drawing social security the following year. Or do I just suck it up and pay $61 a month so that it is covered 5 more years. Ugh.
It would depend on your financial situation. Life insurance is only to cover what your family would need to live on once you were gone. And anything else you want it to cover - debt, funeral expenses, etc. If you have a pretty good nest egg or will - then I would just do the 10 year. I plan on canceling ours as soon as my husband retires.
ReplyDeletethat's the hard part - figuring in all the "what-if's" :/ If I don't die right away (haha) then I'll continue to work and build our retirement account, so say I die at 60, then he'll have the life insurance, 401k and then social security at 62 and should be fine. If I die next year, it will be harder for him.
DeleteYou should keep the little seed packet, maybe frame it for some special little spot on your walls (says the woman with nothing at all hanging up on her walls after 3 years in her own home). I really have no advice on the life insurance. We don't have any, but if I die tomorrow, I think we have enough saved that DH would be fine if he is careful until he is old enough to draw social security.
ReplyDeleteI was thinking the same thing about the seed packet. I should buy other seeds from this company and frame the little packets for the kitchen. Would be so cute!
DeleteI'd ask myself this question before deciding in 10 or 15 years of term life insurance......how much do I like my husband?
ReplyDeleteYes, I am smart a$$.....
hmmm....maybe subconsciously that's why I kept procrastinating on getting this done. LOL!
DeleteI thought social security doesn't start until like 65 or later? Mine is at 67. :-/
ReplyDeleteThat is for "full" retirement benefits, but anyone can start at 62 (at less amount). Mine is also 67. The longer you wait after 62, the more you get
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