Thursday, February 14, 2019

Term vs. Whole Life Insurance Policies For Newlyweds

Today’s blog post on Susie's Reviews is about understanding term vs. whole life insurance policies as part of a sponsored post with Mason Finance.

Term vs. Whole Life Insurance Policies For Newlyweds

Life insurance for newlyweds is usually not your focus as you prepare for the on the big day But after you are married, it’s an important topic for young couples.

Many people don’t think about getting life insurance until they have children. You may not need a lot of life insurance as a newlywed couple without children, but you at least need some basic life insurance coverage.

Marriage means accepting responsibility for another life. Once the honeymoon is over, it’s time to get back to real life and what that responsibility really means.
Life insurance for newlyweds should be on your agenda because it gives you peace of mind knowing you will be able to take care of your new spouse if something happens to you.

Most newlyweds are enthusiastically looking forward to a happy and healthy life together and this can easily obscure the unfortunate reality that bad things happen to people every day. Being prepared is a selfless act that makes it possible to support a surviving spouse as well as any children so they can continue without a financial burden. Read below to learn about Term vs. Whole Life Insurance.


Term Life Insurance

Term life insurance is the most affordable type because the coverage does not last a lifetime. Instead, your insurance will last for a term of 10-30 years. This type of policy has no cash value accumulation. That means you will need to pay your premium every month but you will get nothing back if the policy eventually expires.

You will have guaranteed death benefits for as long as the policy is in effect. The premium you pay will likely be fixed for a certain period of time and then it may get higher.

Cash Value Life Insurance

How about cash value life insurance? This type of life insurance does cost more to begin with, but will remain in force for the insured’s entire life as long as the premiums are paid. This type of insurance has a built-in savings account that grows tax-deferred over the life of the policy, which can then be used as retirement savings. Though more expensive, more of the cash value policies pay out their death benefits than term policies. Plus, cash value policies can eventually accumulate to the point where they become paid up, which means that you won’t have to make any more premium payments to keep the policy in force.

Cash value accumulation can eventually become a substantial asset for you after you have paid premiums into the policy for many years. And policy loans may not need to be repaid, but rather they will simply reduce the amount of cash value and face value remaining in the policy. There are several types of cash value policies.

Whole Life Insurance

Whole life insurance is more expensive than term insurance because it lasts a lifetime. Whole policy premiums are fixed for the rest of your life, as long as you make your payments, and the policy has guaranteed cash value. This means your policy will actually build value that you can borrow against.

Universal Life Insurance

Universal life insurance has flexible life insurance premiums and pays interest to the policy’s cash value. It is different in that its death benefit can fluctuate. The rate of interest that it pays will also fluctuate according to prevailing interest rates. Some universal life insurance policies pay interest that is calculated according to the performance of an underlying financial benchmark, such as the S&P 500 Index.

Variable Universal Life Insurance

Variable universal life insurance invests its cash value in a collection of mutual fund sub-accounts, which invest in stocks, bonds, cash and real estate. The cash value in this type of policy is not guaranteed and will rise and fall with the stock and bond markets. Regardless of the type of cash value insurance you have, you will be able to access the cash value in your policy at any time. You can do this either by direct withdrawal or by taking out a loan against the policy, but the death benefit will be reduced by any outstanding loan amount when the policy pays it out.

Which One to Choose

When it comes to deciding which life insurance policy is best for you, you’ll want to consider the different factors. For instance, what is your disposable income? Do you have debt obligations? What are your financial needs? Be sure to shop around online, as well as in person, so that you get several life insurance quotes from different companies before you purchase any type of coverage. Doing this will give you a better idea of what’s available. Your financial adviser or life insurance agent can also help you find the policy that works the best for you.  Make sure to check out this life and viatical settlement calculator.


Term vs. Whole Life Insurance Policies For Newlyweds


What are your plans for choosing a life insurance policy?

Wednesday, February 13, 2019

Movie Night Giveaway Hop #MovieNight

Welcome to the Movie Night Giveaway Hop 

Movie Night Giveaway Hop #MovieNight

Enter below to win $15 PayPal Cash to see a movie! Make sure to visit all the blogs in the hop for even more chances to win! 

$15 PayPal Cash


Giveaway begins on 2/14/19 and ends on 2/28/19. Must be 18 years or older, open to residents of the US only. This giveaway is in no way endorsed, affiliated or associated with Facebook, Twitter or any other Social Media Networking Site. Please visit the other blogs in this hop for chances to win more great prizes.







Thirty-One Galentine's Prize Bundle Giveaway

Thirty-One Galentine's Prize Bundle Giveaway
Opting out of the romantic holiday this month? We're right there with you! Instead of celebrating cupid's arrow we're celebrating the bonds of friendship with Thirty-One. The Kids Did It has joined with some blogging friends to showcase great products from Thirty-One that would make fun gifts to give to your bestie for Gal-entine's Day! Check out some of the new products and enter for your chance to win!

Thirty-One Galentine's Prize Bundle Giveaway

Thirty-One Gifts

So much to LOVE! There are so many fabulous new products at Thirty-One that you can find the perfect gift to match your bestie's style. With Studio Thirty-One they can have a bag that changes to fit their fashion needs every day! Connect with your local consultant today to shop for your gal pals. Thirty-One products are sold through a network of local sales consultants via their websites or home parties. Want to join the team? You can get started today! Visit Thirty-One Gifts to learn more about saving on products and earning income by joining as a consultant or how you can receive rewards by hosting!



Design Your Own Bag With Studio Thirty-One!
Create a fresh look every day with the convertible Studio Thirty-One Modern or Classic Bag. Interchangeable flaps and straps in our Studio Thirty-One Collection allow you to change color schemes, patterns or styles in a snap! Go with a shoulder strap on Monday, then a cross body strap on Tuesday. Switch out the flap to match your outfit or to add a fabulous pop of color. It’s like owning a closet full of purses, without losing any closet space!

All About the Benjamins!
Their most spacious wallet, the beautiful All About the Benjamins, is all about convenience and style. Made of luxe pebble faux leather, this billfold features 12 credit card slots, two bill slots, and a clear ID window, plus an interior zipper pocket and an open compartment. The entire wallet has a zip closure to keep all contents secure and hidden. Easily turn it into a fashion wristlet by adding one of our Wristlet Straps. Or carry it as a women's wallet with a matching, on-trend handbag, purse or tote from Thirty-One Gifts.

Enter The Giveaway!
One lucky entrant selected by the entry form will receive the Galentine's Prize Bundle! (ARV $128) This bundle features (1) Studio Thirty-One Build Your Own Bag ($80) and (1) All About The Benjamins Wallet ($48). A fun prize to keep or give to your gal pal! Open to entrants in the US, 18 years and older. Open for entry from 2/13-2/27/ 19 at 11:59 pm EST. The winner will have 24 hours to respond to the notification email to claim this prize or a new winner will be selected. Neither the host or participating bloggers are responsible for prize fulfillment.

a Rafflecopter giveaway


Sunday, February 10, 2019

ThirtyOne Gifts February Storage Solutions Giveaway!


ThirtyOne Gifts February Storage Solutions Giveaway!

Welcome to the ThirtyOne Gifts February Storage Solutions Giveaway!

This event was organized by The Kids Did It and I've joined to help you find storage solutions you're going love from ThirtyOne Gifts!

Thirty-One Gifts

Stylish storage solutions for your home are just a click away! Connect with your local consultant today to shop for your sweethearts. Their products are sold through a network of local sales consultants via their websites or home parties. Want to join the team? You can get started today! Visit Thirty-One Gifts to learn more about saving on products and earning income by joining as a consultant. (See Video Below)


ThirtyOne Gifts February Storage Solutions Giveaway!

Littles Carry-All Caddy

Small in size, but big on benefit, the Littles Carry-All Caddy is the perfect solution for organizing the little things in life. From office supplies to eating utensils and cosmetics, this caddy helps keep your life in order by keeping everything right at your fingertips. Great for a gift basket, small toys, crafts, office desk supplies and wrapped candy.


ThirtyOne Gifts February Storage Solutions Giveaway!


Stand Tall Bin

Store your towels, linens, blankets, laundry, gift wrap and more in the structured Stand Tall Bin. With two long, webbed handles and a sturdy frame, it’s easy to carry anywhere and capable of holding heavy loads. Put one in each of your kids’ rooms as a laundry hamper or to store toys, games, play clothes or sports equipment, or place it in your guest room to hold extra towels, bedding, blankets, bed pillows, and other useful items.


Enter The Giveaway!

One lucky entrant selected by the entry form will receive the ThirtyOne Gifts Storage Bundle! (ARV $80) Open to entrants in the US, 18 years and older. Open for entry from 2/11-2/25/19 at 11:59 pm EST. The winner will have 24 hours to respond to the notification email to claim the prize or a new winner will be selected. Neither the hosts nor the participating bloggers are responsible for prize fulfillment.

a Rafflecopter giveaway

myCharge Ultra Portable Hi-Tech Gadget Powers Up Your Day + Giveaway

Disclosure: Susie's Reviews receives compensation or products from brands in exchange for the posts on this site Our opinions are honest and our own.
 myCharge Ultra Portable Hi-Tech Gadget Powers Up Your Day + Giveaway
The myCharge ultra portable hi-tech gadget is myCharges largest unit with the highest power output. Designed to replace the heavy and bulky generators used when tailgating or camping, the Portable Power Outlet is a streamlined power source that can run a 32-inch LED television for up to four hours. The Portable Power Outlet has a maximum power output of 65 watts, enough to power a laptop.

It's built tough, designed well, and is an excellent emergency backup system for most of your electronic systems (phones, tablets, laptops, and bluetooth speakers). 

One of the interesting features is that the power pack not only features the usual USB charging ports, but it also has a three prong AC power output functionality. So not only can you plug in your USB devices but you can run any standard electronic device you need.

Specifications: 

  • Battery Capacity: 20000mAh 
  • Compatibility: Laptops, 2 in 1 Laptop/Tablets, Tablets, Smartphones & USB Devices
  • Maximum Output: 110v / 65
  • Size: 5.0 in x 5.75 in x 1.4 in
  • Recharges via charging adapter that is included.

Technology:

  • Smart-sense: ensures complete device compatibility
  • Hyper-charge: ultra-fast charging of your devices; up to 65% faster than competitors
  • Power-stay: maintains battery power for up to 1 year
  • Max-power: maximum power transfer from powerbank to device
  • High-density battery: the smallest and lightest powerbank
  • Safe-cell: provides the highest level of battery safety
  • Rapid-recharge: powerbank recharges up to 50% faster than competitors
  • Pass-Through Charging: will charge the powerbank and connected device simultaneously

If you are looking for a high capacity device with the flexibility of USB A, USB C, and a three-prong AC plug then the myCharge Portable Power Outlet is a good one to consider.

For more information about the myCharge Portable Outlet, please visit their website and follow on Facebook, Twitter, and Instagram


Giveaway
One lucky reader will win the myCharge Ultra Portable Hi-Tech Gadget!  The giveaway is open to US readers ages 18+.  Void where prohibited by law.  Good luck! 





Goliath Games Ultimate Prize Pack Giveaway! $100 RV!

Goliath Games Ultimate Prize Pack Giveaway! $100 RV!


Sponsored By: Goliath Games

Hosted By: Love, Mrs. Mommy


Winner Will Receive - 

The Ultimate Game Prize Pack from Goliath Games!

$100 RV!


Goliath is one of the few global family-owned toy companies in the industry and continues to be one of the fastest growing companies in the world!



Goliath Games Ultimate Prize Pack Giveaway! $100 RV!



Open To US and Canada entries and must be 18+ to enter  
Giveaway Dates ~ 2/10 9:00 AM EST through 3/10 11:59PM EST
Disclosure: Love, Mrs. Mommy and all participating bloggers are not held responsible for sponsors who do not fulfill their prize obligations. This giveaway is in no way endorsed or sponsored by Facebook or any other social media site. The winner will be randomly drawn by Giveaway Tools and will be notified by email. Winner will have 48 hours to reply before a replacement winner will be drawn. If you would like to participate in an event like this please contact LoveMrsMommy (at) gmail (dot) com.

Tuesday, February 5, 2019

Welch’s Valentine’s Day Fruit Snacks With Emoji Faces!

Disclosure: Susie's Reviews receives compensation or products from brands in exchange for the posts on this site Our opinions are honest and our own.

Welch’s Valentine’s Day Fruit Snacks With Emoji Faces!

Valentine's Day is right around the corner and Welch’s celebrates Valentine’s Day 2019 with the return of Valentine’s Day Fruit Snacks.

The limited-edition Welch's Fruit Snacks Valentine's Day box and pouch have custom Valentine's Day-themed graphics with heart-shaped pieces and fun emoji faces. Even better, these fruit snacks are perfect for Valentine's Day classroom exchanges as each pouch features a "To/From" sign on the front panel. I like that there are only 45 calories per serving. Each box retails for a suggested $4.99.

  • Made with REAL fruit
  • Fruit is their first ingredient
  • Gluten-free
  • No preservatives
  • Fat-free

Welch's® Mixed Fruit Valentine's Day Fruit Snacks are available online at Target.com as well as in-store at Walmart, Target, Walgreens, and other local retailers.

These are so cute and I mean, let's face it: Who wouldn't want an emoji face on their Valentine's Day treat?

Image – Welch’s

Hoo Hoo Who? by Mary Maier + Giveaway

Disclosure: Susie's Reviews receives compensation or products from brands in exchange for the posts on this site Our opinions are honest and our own.

Hoo Hoo Who? by Mary Maier Giveaway

I cannot wait to share with you the first title from a new children’s publisher Building Block Press: Hoo Hoo Who? written and illustrated by Mary Maier with speech pathologist Lauren Horton (February 2019; ISBN: 978-1944201142; Hardcover $17.95; Ages 2-5; 32 pages).   

In this kid-friendly picture book, readers help Owl figure out which guest is at the door.  It’s Mouse’s Surprise Party, but Owl’s glasses are broken so he can’t see!    Children participate in the story by using expressive language to respond to Owl’s WHO questions.  Readers get to yell, “Surprise!” and sing, “Happy Birthday” — what fun!

Hoo Hoo Who? by Mary Maier Giveaway

About the Authors: 

Mary Maier graduated from Miami University, where she met her husband, with a degree in Art Education. She is an avid painter with a huge imagination; an important quality when raising two wild boys. She resides in Louisville, KY.    Mary has previous experience owning a publishing company for 25+ years solely based on books about the card game bridge.
Roughly 1 in 12 children have a speech or language delay, including author Mary Maier’s 3-year-old son Max, who is also on the autistic spectrum. Here’s an excerpt from her blog explaining the importance (and shortage) of books focusing on WH- questions:
“Kids with language delays work on WH- questions A LOT. Many children know their colors, shapes, numbers, letters, but not the difference between who, what and where. These questions are the building blocks of conversations and are HUGELY important to language development. I started thinking, why didn’t I know about this? Why doesn’t every parent know about the importance of WH- questions? Why aren’t WH-question books as prevalent as shape and number books? So I started doing some research. I wanted to find something to help with my son’s language development. All I could find were books with the word AUTISM in bold print on the front cover. No parent wants to read their child an AUTISM bedtime story—so I decided to write and illustrate my own WH- series of books for all kids, beginning with WHO. And WHO better to go on this journey with than a speech pathologist?   My hope is to spread the word to ALL parents (not just to those whose children have language delays), the importance of WH- questions in language development and that they can be focused on in a fun and natural way—just like all those color books.”
Lauren Horton received her Master’s Degree in Speech-Language Pathology from Ball State University in December 2016. Lauren was born in Muncie, Indiana, but now resides in Atlanta, Georgia with her husband. 

Hoo Hoo Who? will be followed by titles focusing on “WHERE” and “WHAT”, and is the first title from Mary Maier’s new publishing company Building Block Press, a publisher of books focusing on early childhood development and thoughtful design.   Hoo Hoo Who? will be available wherever books are sold through distributor National Book Network.

Enjoy the preview below:


Hoo Hoo Who? by Mary Maier + Giveaway
One lucky reader will win a copy of Hoo Hoo Who? by Mary Maier!  The giveaway is open to US/Ca readers ages 18+.  Void where prohibited by law.  Good luck!

a Rafflecopter giveaway

Thursday, January 31, 2019

Love is in the Air Giveaway Hop

Love is in the Air Giveaway Hop


Welcome to the Love is in the Air Giveaway Hop hosted by:

Chatty Patty's Place & Review Wire Media


Enter below to win a NEX Sewing Machine - Please see our review HERE.  
Visit all the blogs in the hop for even more chances to win! 

Giveaway begins on 2/1/19 and ends on 2/15/19. Must be 18 years or older, open to residents of the US only. This giveaway is in no way endorsed, affiliated or associated with Facebook, Twitter or any other Social Media Networking Site. Please visit the other blogs in this hop for chances to win more great prizes.

a Rafflecopter giveaway







Valentine Spa Day Giveaway!

Valentine Spa Day Giveaway!

To get you excited for this years Valentine's Day Rengöra is collaborating with MamatheFox in a giveaway to spoil one winner with amazing spa products from their line of affordable home spa items. They offer dry brushes (great for dry skin, removing dead skin, lymphatic drainage, and cellulite treatment), their eye and face rose quarts roller to help stimulate healthy cellular movement, and bath bombs that don't stain your tub!

Enter for your chance to win a spa package from Rengöra that includes: (1) set of bath bombs, (1) rose quartz face roller and (1) dry brush (as featured in Shape magazine). This package is valued at $63+


Open to US residents only
Giveaway runs February 1 - 12




Hosted by: MamatheFox.com

Sponsored by: Rengöra




MamatheFox and all participating blogs are not help responsible for sponsors who fail to fulfill their prize obligation.