Sandbox Snack Co Friday, Nov 19 2021 

*this post is sponsored content  Did you know that Louisville has a locally made healthy snack company? Find out more about Sandbox Snack Co below.  We would like you to meet Adam Hoette, the founder of Sandbox Snack Co. They are a Louisville-based company dedicated to making awesome snacks for active families. Their products are a line of protein cookie [...]

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What Are the Different Types of Life Insurance? Thursday, Nov 4 2021 

By Jacob Maslow–Branded Content

Life insurance is there to protect your family should anything unexpected happen. However, choosing life insurance can be a confusing process as there are so many different policies available, each with various benefits and conditions. To make the process easier, we have explained some of the policies available. 

Term Life Insurance

Term life insurance is exactly as the name implies: your policy is for a set amount of time, usually between 10 and 30 years. It has no cash value but will give your beneficiaries a cash payout if you die. Most of these policies have premiums, so you pay the same amount each month. However, you will have to obtain a new one when the policy expires, likely at a higher expense as rates are based on age and will increase as you get older. 

Whole Life Insurance

This is the simplest form of life insurance and provides coverage for your entire life. A part of your premiums is placed in a cash value account that will gradually increase over time. Initially, this form of policy will not be worth much, however as it grows into more significant amounts, you will be able to borrow against it. You also have the option of selling your policy for a lump sum of money that can help you in retirement. You can take a look at a guide online that tells you everything you need to know about selling your policy. 

Universal Life Insurance

A form of permanent insurance that offers the same benefits as whole life insurance. However, the significant difference is that the premiums you pay are flexible. You can raise or lower the amount you are paying into your account. You must be aware that if you pay less, you may have to pay more later on to keep your coverage. This policy is most useful when you take into account changing lifestyle circumstances where you may need to adjust your spending or give yourself and your family better coverage. 

Final Expense Insurance

This policy will pay for the expenses of burial and a funeral. The policy is permanent as long as you keep paying the premiums. However, there is no other cash payout on death. This may be useful for older people who are concerned about the costs when they die. If you are younger and are looking for a policy that will support your beneficiaries, this will not be a good choice. The payments you make are modest, but the circumstances it covers are also minimal. 

Group Life Insurance

This is a form of life insurance that you buy as a group. They are often used by companies to cover their employees. These plans include affordable premiums as companies are buying insurance in bulk and so they obtain discounts from insurers. It can also be useful in helping those with health issues obtain insurance. You should find out if the policy is portable so that if you change jobs, you can take the policy with you.

Photo Courtesy of Jacob Maslow//Cosmic Press

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Smart Money Moves After Graduation Tuesday, Sep 28 2021 

By Jacob Maslow–Branded Content

Once you have finished college, your life will change, and you will have greater responsibility and opportunity in the future. You might be beginning a new career, living on your own, or becoming independent from your parents for the first time. If you want to be successful after school, a few things will help you do so.

Take Care of Student Loans

Now is the time to take care of the debt you may have accumulated while getting your degree. Most graduates have at least some student debts after finishing school. It can be tempting to make only the minimum payments each month, but it is best to repay them as aggressively as possible. 

Once you take care of these loans, you won’t have to pay as much in interest, giving you more savings. One way you can lower your monthly expenses is by creating a plan of action for your loans. For example, you could consider an option to refinance student loans into a new loan from a private lender. You might get different repayment terms or find a lower interest rate, which can then reduce what you pay each month.

Budgeting for Living Expenses 

It is essential to understand where your cash comes from and where it goes. Then, create and stick to a budget each month to ensure you stay financially healthy for a long time. There are plenty of apps that will help you create this money-saving tool, and these can track your credit, account balances, and spending, no matter where you are.

Understand living expenses to create a realistic budget. Once you move off-campus, you will find costs can add up quickly. Whether it is rent, utilities, or transportation, you will be facing a lot more costs now. And these can add up quickly, making you wonder where your income is going. When setting up the budget, ensure you consider each expense and know they can change throughout the year. For example, if you live in a region with frigid winters, your electric bill might be higher then.

Start Retirement Planning

It might seem crazy to think about your retirement when you have barely entered the workforce, but now is the best time to begin saving. Many times, you can earn interest on the money in your account, as well as the money you have already invested. But, of course, that means you need to have time on your side to have the best results.

It’s not that hard to save for retirement since the most complex part will be making sure there is enough room in your budget for it. First, create automation so some of your paychecks go directly toward the account. Second, if you receive a 401(k) match from an employer, try to take full advantage of that offer since it is free money. Think of it as part of the wages you earn from the work you provide to the company. Finally, promise yourself that you won’t touch your retirement savings, no matter what.

Photo Courtesy of Jacob Maslow // Cosmic Press

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Louisville Jack O’Lantern Spectacular Wednesday, Sep 8 2021 

A celebration of Halloween art, lights, and music that’s fun for the whole family. Come experience the Louisville Jack O’Lantern Spectacular. 5,000 artistically-carved pumpkins set among the stunning woods of Louisville’s Iroquois Park.  *this is a sponsored post Celebrating 10 years this year. With so many intricately-carved pumpkins and dozens of themed sections, you and your family will have a [...]

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Why Is Preventative Dental Care So Important? Monday, Sep 6 2021 

By Jacob Maslow– Branded Content

If you live in the southern Ontario area, you understand that this is a great place to live, work, and raise a family. You deserve to have access to comprehensive dental care that will help you enjoy everything that life has to offer in the local area. Preventive dental care refers to dental care that enables you to take care of your oral health. This is a combination of brushing and flossing along with regular dental checkups. What are some of the top benefits of seeing a dentist for routine dental care?

You Can Identify Problems Before They Lead to Serious Symptoms

Your local Port Credit dentist can identify potential problems before they lead to severe symptoms. Even though your teeth may feel fine right now, there could be problems lurking underneath the surface that you might not know about. For example, even though you brush and floss regularly, plaque and tartar are still going to build upon the surfaces of your teeth over time. Only a trained dental professional can remove this plaque and tartar. If you can correct problems with your oral health before they cause symptoms, you can protect your teeth down the road. 

You Learn More about Good Dental Practices

Next, you should go to the dentist at least twice a year because you need to learn about good dental practices. Even though you may like your current toothbrush, there may be better options that the dentist might tell you about. The same could be true when it comes to dental floss. If there are changes made to dental recommendations, you have to know about them so you can take care of your teeth. This is also an excellent opportunity for you to ask questions about your oral health. If you are concerned about your job, the look of your smile, or the health of your gums, you need to talk to the dentist about this. That is why you could schedule a regular visit with your local dentist. 

You Can Help Your Children Develop Good Dental Habits

Finally, going to the dentist regularly is also essential because it can help children develop good dental habits. If you have kids in your home, they need to go to the dentist at least twice per year. This is important for making sure their mouth, teeth, and gums are developing appropriately. If you can get your children in the habit of going to the dentist twice per year now, they will continue to do so on their own once they reach their adult years. This is important for making sure their teeth come in properly, their smiles are straight, and all oral health issues are addressed before they impact their growth and development.

Protect Your Dental Health with Preventative Dental Care

These are just a few of the top reasons why you need to invest in preventative dental care in the greater Toronto area. Even though you may only reach out to a dentist when you are experiencing problems, it is still important for you to go to the dentist at least twice a year. Even if you brush and floss regularly, some issues cannot be resolved unless you go to a dentist for help. So make sure you see a dentist at least twice a year and correct issues with your dental care before they lead to severe problems down the road. That way, you can protect your teeth for years to come. 

Photo Courtesy of Jacob Maslow//Cosmic Press

 

 

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SoundWaves Water Park at Gaylord Opryland Saturday, May 22 2021 

SoundWaves at Gaylord Opryland in Nashville offers year-round water park fun for families!   SoundWaves is a new indoor/outdoor waterpark connected to the Gaylord Opryland Resort and Convention Center. SoundWaves is available to overnight hotel guests who book the SoundWaves Water Experience Package. To ensure a comfortable experience, there is a maximum capacity for the park each day, so we [...]

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Youth Soccer in Louisville – Tryouts Thursday, May 6 2021 

Are you looking for youth soccer in Louisville and a soccer club opportunity for your child? There are many opportunities in Louisville for your child for youth soccer. If you are looking for a club soccer experience for your child, look to Elite FC Louisville. Elite FC Louisville will host free youth soccer tryouts for their boys’ club soccer teams [...]

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Greetings from HoneyBear Farms KY Tuesday, Mar 9 2021 

Greetings from HoneyBear Farms KY, home of the Honey Depot Beekeeping Store & Apiary in Louisville, Kentucky.    The Best Local Honey in Louisville and so much to learn too! HoneyBear Farms is a small agricultural business located just east of Jeffersontown on Taylorsville Road, about 3/4 mile from the Gene Snyder freeway. They provide beekeeping supplies, equipment, bees, classes, [...]

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3 Practical Ways to Get Kiddos to Cooperate Today Wednesday, Mar 3 2021 

*this is a paid sponsorship post 3 Practical Ways to Get Kiddos to Cooperate Today by Megan B. Bartley, MAMFT, LMFT, Founding Director of the Louisville Mindfulness Center Kids not cooperating?! No problem! We’ve got this! At Louisville Mindfulness Center, we offer “Tools for your Toolbox to Handle all of Life’s Stressors.”    1) Show Up With Your Kiddos How [...]

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Finding care with Nanny Pair is easy as 1,2,3. Tuesday, Mar 2 2021 

*This is a paid sponsored post My Care This membership-based Pair Plan was designed specifically for you and your unique childcare needs. Join our village to have 24-7 access to the best care. Read profiles, review background reports & personally connect with our Nannies via our exclusive Nanny portal. When you are ready to schedule your favorite Nanny, simply book [...]

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