Category Archives: Personal Finance

Life Insurance For Single Parents: Three Things to Consider

Single parents have unique concerns that they must address on a daily basis – this is especially true when choosing appropriate life insurance for single parents. Financial planning experts often suggest that single parents choose a plan that can provide for their child or children through high school and beyond, if necessary. Not all insurance policies address the concerns of single parents, and that’s why it’s important to do some research and find the right policy for your situation.

Here are a few things that you might want to consider when shopping for life insurance for single parents:

  1. How quickly can you get life insurance? With term life insurance, you can often get it rather quickly. That can be especially important for single parents.
  2. Would you pay more with your employer’s insurance if you can get it? Not everyone can get life insurance through their employer, and even for those who can, the price may not be right. These policies are based on other individuals’ health profiles, not your own specifically, so you may end up paying more with your employer’s insurance plan. Additionally, the amount of life insurance you can get through your employer might not be enough to meet your needs. You might also want to supplement it with another policy.
  3. How old are you? This question is important because term life insurance is typically cheaper when you are young and in good health. If you obtain term life insurance for single parents when you are young, you can lock in a lower rate.

No one wants to think about their death, especially when they have children, but with the right life insurance you can go about your daily business without the worry that your children won’t be taken care of, should the unthinkable happen. At, we want to help our customers, including single parents, to have peace of mind that their loved ones are taken care of.



In my 20+ years as an independent life and disability insurance broker, I have personally assisted thousands of clients with their life and disability insurance needs. As a national broker, I am licensed to write life and disability insurance in all 50 states and the District of Columbia.

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Work, cycle, save: How to cut transport costs and get fit

Picture the scene – you are driving around the staff car park desperately looking for a space as the clock ticks and you slowly accept the fact you’re never going to make it to work on time. You are going to be late (again!) and are spending a small fortune in used petrol and extra parking time as you cruise round the same patch of tarmac hoping for somewhere to squeeze your motor.

You are stressed beyond belief and you haven’t even begun your working day – sound familiar?

Unfortunately, many people find the daily commute to work a stressful experience that burns through as much money as it does carbon. Even public transport costs have grown considerably over recent years to make this option less attractive to commuters and that means that many feel they have no choice but to brave the traffic jams and busy car parks. But could they be wrong?

Cycle and save

Choosing to commute in an environmentally friendly way to work doesn’t just mean joining the masses on public transport – it can also mean grabbing a bicycle and pedalling your way to work. Not only will you avoid the stress of traffic but you’ll save money, get fit and (most importantly) never struggle to find a parking space again!

If you are a business owner, why not promote the idea of cycling to work amongst your employees? They might be dubious at first but when they realise how much money they could save they will soon change their tune. You can even earn extra boss brownie points if you sign up to government supported schemes which will offer savings to members when they buy cycling and safety equipment – helping them go green without pushing their bank balance into the red!

Schemes like these are quick and easy to set up too and you will find that the organisation providing the service will take care of all the administration and paperwork so you don’t need to worry about it. You could also remind your workers that as well as saving money, they will lose weight and get fit – something which can incidentally boost their morale and increase productivity.

By encouraging your staff to cycle to work you can increase the likelihood of them arriving on time and eradicate daily tales of traffic jams, busy car parks and accidents on the roads. Your staff will feel rejuvenated and energised from their morning cycle, boosting morale and improving the office environment for everyone.

You can even cycle to work yourself to set a good example – after all, why should your employees get to have all the fun of a stress-free commute to work each day?

10 tips to be a successful leader at work

As a successful leader, if you meet all management functions on a computer, you must know it’s essential to have the ability to know your people. It doesn’t matter if you have a business or finance job. Here are some tips on how to be a successful leader which apply to most jobs.

Learn to delegate

As a leader, it’s your responsibility to know who will be the best choice for a particular task. To understand this, you must be attentive to the potential and limitations of each of your team members. A detailed analysis and a keen sense of observation are required. Delegating things to bring out the best of the person should help propel the team to success.

Lead by example

Each time you give a speech or advise to a member of the team to work in a certain way, or follow rules of work, you must ensure that you yourself preach by example first. You cannot expect team members come to the office on time if you yourself are late. Your teammates respect you more if they see that you are consistent with what you say and do. This strengthens a healthy relationship with your employees.

Learn how to motivate the team

As a successful leader, you must know how to bring the team up when there is a difficult task ahead or when the team has faced a setback. It is you who must intensify the focus on the task and boost the morale of all team members to motivate them. This requires a thorough knowledge of the team members and the ability to see the best of each.

Give constructive feedback

A member of your team may disappoint on occasion. Rather than simply pointing out all their flaws, learn to give feedback in a constructive way. This not only helps a person to correct his mistake, but also motivates them not to repeat it. It will help keep team morale high too.

Learn how to keep the team together

When you have a number of people who work with you as a team, there may be some clashes of ego or personal problems between them. It is your responsibility to find ways to keep the team in harmony and respect. You must understand each and every order to have no conflict within the team. Try the equal treatment to strengthen and move forward.

Take responsibility for your mistakes

The fact that you are the leader does not mean you’re perfect. There will be many occasions when you could be led to commit an error in judgment or you could make the wrong decision. Assume responsibility for your error. This attitude will seep and inspire each and every member of the team to follow your example. It would also be a display of great strength of character on your part.

Learn to communicate better

As a leader, it is extremely important that your point gets across clearly. Whether you’re addressing the team or a particular individual, you must be clear about your goals and objectives. In addition you should work on your body language. You must also learn how to be firm without being rude or offensive. Learning to give constructive feedback is essential in your leadership position.

Emotional balance

For you to be a successful leader, it is essential that you stay in balance. Do not let the success of a project go to your head and do not let a setback go to your heart. Only when you are in balance as a person, you will be able to do justice to your team and give them the kind of guidance they need.

Leave your ego aside

If you want to be a successful leader, then you must work in dealing with your ego. Being in power can corrupt you and you have to be very aware of the changes involved. Always remember that you are not perfect. If you have no ego problem, then team members also learn from you and will try to imitate your qualities.

Request feedback from your teammates

To keep constantly improving as a leader, you must be open to feedback from your peers. Keep an open mind to criticism and suggestions. This will help you get a more objective view of reality and will generate creative ideas as to how you can be more effective as a leader. Also, this would make the team members realize that their voices are being heard.

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