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Four Walls and a Roof: Buying a House, Making a Home

Posted by Our Life Covered on Jul 19, 2017 2:27:27 PM

Buying a new house is exciting. It’s also exhausting. Moving your stuff, your family, and your life, even if it’s to a better place, is an awful lot of work…and if you’re a single Mom, it’s enough to make you want to curl up in your partially disassembled bed and cry.

There’s the physical work, of course…the packing of boxes and the lifting of couches and maybe the hoisting of pianos through second story windows if you’re lucky enough to have a musically inclined child. And there’s the logistical work…meetings with mortgage advisors, trying to forget every episode of House Hunters you’ve ever seen so you can come up with reasonable budget expectations, coordinating with real estate agents, inspections, walk-throughs, and the endless stack of paperwork when you finally make it to the closing table.

But there’s emotional effort, too. Relocating tends to inspire a lot of soul searching. Going through your things, even ordinary things like clothes and books and dishes, means going through your past. Thinking about your past usually leads to thinking about your future…and your family’s future.

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Topics: New house, Household budget, House hunting checklist, most affordable life insurance, Bought a house, Mortgage Advisors, How to pay for daycare, Buying a car, Home buyers, Private school tuition

“It’s Not Me. It’s You!” Generational Differences in the Workplace

Posted by Our Life Covered on Jul 13, 2017 6:58:00 AM

Whatever generation you belong to, you’ve probably witnessed it…the mutual and palpable disdain that Baby Boomers and Millennials have for each other. You can almost smell it, like locally sourced kombucha and Maxwell House coffee vying for your olfactory attention.

Boomers cling to their landlines like lifelines and keep their music stacked high in CD towers. Millennials are glued to their smartphones and have a Spotify playlist for every occasion. EVERY occasion.

Boomers don’t know how their email works. Millennials don’t know how to cook an egg without watching a YouTube video first.

Boomers think Millennials are coddled hipsters who want everything handed to them with a side of organic avocado toast. Millennials think Boomers demolished the economy and wrecked the environment and that their Applebee’s sampler platters are gross.

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Topics: How to Adult, millennials vs baby boomers, generation differences, generational differences at work, Household budget

Term Life Vs. Whole Life: Which Insurance Is Right For You?

Posted by Our Life Covered on Jul 11, 2017 5:33:00 AM

Build your life with love. Protect it with life insurance.

We work hard for the good things. The security. The comfort. The joy. The premium channels and the soft toilet paper. We work to buy houses, and we work to make sure they feel like homes for the people we love. We work to help things grow…our knowledge, our careers, our experiences, and our families.

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Topics: Affordable Life Insurance, Best Term Life Insurance, Cheap Life Insurance, Monthly Budget, types of life insurance, life insurance no exam

How Does Life Insurance Work, Anyway?

Posted by Our Life Covered on Jul 7, 2017 12:52:18 PM

So you made it through the 3am study sessions and the 8am classes, the part-time gigs and the unpaid internships, the resumé-building ventures and the resumé-writing workshops. You IKEA-hacked your way to a killer apartment, and you have dry clean only clothes hanging in your PAX wardrobe system. You made the connections. You got the interviews. And finally, you got the job.

What Does It All Mean?

Now that you’re well on your way to full-blown adulthood, you’ve probably been doing a little goal setting. A little financial planning. And a lot of head scratching. What do you want right now? What do you want in the future? And if you were gone tomorrow, what would you want to leave behind? Maybe you have a line in your budget for life insurance, but you’re not sure yet exactly how it works.

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Topics: Affordable Life Insurance, How does life insurance work, best life insurance for young adults, Life insurance education, affordable term life insurance

Having a baby? What to expect...

Posted by Our Life Covered on Jul 5, 2017 12:02:15 PM

Having a baby is a huge deal. No matter how biologically reasonable it is that humans reproduce, no matter how many times it happens (and it happens a LOT, or there wouldn’t be 7.5 billion people on the planet right now), the birth of a child - when it’s YOUR child - feels like the biggest thing that’s ever happened.

It sounds cliche, but it really does change EVERYTHING.

Oh, Baby!

Of course there are the things everyone warns you about. You’ll find yourself celebrating the mornings that you get to “sleep in” until 6am with a cup of coffee that’s only been reheated twice. You’ll start buying dry shampoo by the case. You’ll have more contact with another human beings bodily fluids than you ever thought possible. And no matter how many books you read and classes you diligently attend, you’ll worry about EVERYTHING.

The temperature of the room. The angle of the carseat. The ingredients in the laundry detergent. What you’re eating. What the baby’s eating.

Maybe you’ll drink terrible-tasting lactation teas. Maybe you’ll research baby formula until your eyes go numb. And just when you finally figure it out, it’ll be time for solid food, and you’ll cut grapes into twelve pieces and clean mashed avocado out of your child’s ears.

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Topics: Monthly Budget, New house, Daycare Cost, having a baby, having a baby at 25

On Your Own Terms: How to Find the Best Term Life Insurance

Posted by Our Life Covered on Jun 29, 2017 2:52:37 PM

On Your Own Terms: How to Find the Best Term Life Insurance

The reality of being a grownup sort of creeps up on you sometimes. One minute, you’re googling “how to adult” and pinning recipes for Mason jar salads that you’ll probably never make, and the next, you’re devoting entire Sundays to meal prep and looking over your monthly budget to see where life insurance fits in.

A term life policy is usually the easiest path to affordable life insurance, but once you’ve decided to go that route, there are a few things you’ll want to consider as you search for the option that fits you like your favorite yoga pants.

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Topics: Affordable Life Insurance, Best Term Life Insurance, Cheap Life Insurance, How to Adult, Monthly Budget

What's Missing from Your Monthly Budget?

Posted by Our Life Covered on Jun 22, 2017 4:57:37 PM

Some people learn good financial habits early, but let’s face it...the closest most of us come to budgeting while we’re in college is figuring out how long we’ll have to live on microwaved burritos and ramen noodles to afford jeans that aren't from Forever 21. After graduation, though, money starts to feel a little more real, and the list of things you need to spend it on probably gets a lot longer.

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Topics: Young Adults, Affordable Life Insurance, How does life insurance work, best life insurance for young adults

Limos, DJs + Happily Ever After

Posted by Our Life Covered on Jun 21, 2017 10:02:27 AM

Plan your wedding. Plan your future.

No matter what size your guest list is, your wedding is the beginning of something huge. But it’s easy to get so caught up in planning for that one beautiful day that you forget to plan for the rest of your life.

So you’re getting married…congrats! You have some bling on your finger, a smile in your heart, and a few dozen tabs open on your browser window at any given time. Not to mention all the tabs that are open in your brain.

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Topics: Affordable Life Insurance, Weddings

Photographs + Finances: Protecting Your Modern Family

Posted by Our Life Covered on Jun 20, 2017 7:23:00 AM

Love. Is. Love.

Love is always something to celebrate. And when you love someone, you take care of them. At Our Life Covered℠, we are committed to helping every family, every couple, and every human find a life insurance policy that fits.

Think for a moment about how many pictures you have of your family. The professionally shot ones hanging in frames on your living room walls. The vacation snapshots on your desk at work. The hashtagged moments on your Instagram, and thousands more saved on your phone or your computer or hovering sweetly in your cloud at any given point.

Because there are so many ways to build a family, our pictures all look different, but the love is there, every time.

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Topics: Family Life Insurance, Pride, #LGBTQ

Cover Each Other: Why Life Insurance for Both Parents is a Good Idea

Posted by Our Life Covered on Jun 16, 2017 8:16:00 AM

All of the many ways that a dad takes care of his family are pretty special.

Maybe he puts on a suit in the morning. Maybe he puts on a hardhat. Maybe he puts on jeans, cooks breakfast, and gets ready for a day at home with his kids.

Whatever he’s doing, he’s working hard to protect the ones he loves, because that’s what dads do. But dads need to be protected too, and one way to do that is to make sure you BOTH have enough life insurance. Our Life Coveredcan help.

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Topics: Protecting Your Family, Family Life Insurance, #happyfathersday