Do Moms Need Term Life Insurance?

Many moms nowadays have never acquired life insurance because they consider it to be too expensive. That is certainly true of permanent insurance. Nowadays you can get term life insurance which is a great option for people who are having a hard time during the recession or who are unemployed or who are underemployed.

I am here to tell you that life insurance does not necessarily have to be 'for life.' It can addressing short term needs. For instance you might want to buy selective insurance that only lasts until your children graduate from college so that they are not stranded for tuition money in the middle of their education.
Term life insurance has been around for at least fifty but few people know about it. The fact is that you do not have to pay the expensive rates that are often associated with life insurance nor do you have to settle for an over-priced policy that is less than thorough and might not cover living expenses for your loved ones, funeral costs and other matters.

Greedy insurance companies will always prefer that you buy an entire life insurance package because you end up paying them for longer. The real advantage to this type of life insurance is that it first of all allows you to choose the coverage amount that you can afford and then second of all allows you to choose the length of the policy.

A permanent life insurance policy often costs thousands of dollars annually. By contrast, term life insurance policies cost consumers a lot less. Term lengths can vary from being ten, twenty or thirty years and you can choose coverage amounts that range from being anywhere from $100,000 to several million dollars. Keep in mind that whatever you spend that the longer the term is and the more that it covers the more that it will cost you per month. Depending on what you buy it may even be under $120 every year. This is a boon to the mom, especially the single mom, who likely has all kinds of other stuff to pay for.

Like the longer term policies, these types of life insurance policies are mainly available to individuals in good health who do not have a history of disease (like cancer or AIDS) or indulging in bad habits like smoking or alcohol abuse. The insurance company that offers incredibly low monthly payments to 'high risk' individuals just does not seem to exist.

Your Teen and Body Piercing

My teen wants to get a body piercing. I am not so hot on that. She doesn't realize how dangerous it can be. Expensive too if you get a peirecing in your mouth. Did you know that g your tongue pierced can damnage tooth enamel (and even break teeth) and cause the need for pricey dental work in the future. Also a pierced tongue is more prone to medical complications in general, including to blood poisoning, blood clots hemorrhaging, nerve damage, paralysis, staph infections, methicillin resistant bacteria (flesh eating disease) and toxic shock. Not to mention that horrible clicking sound that some teens make when they are speaking.

So my kid wants her tongue pierced. She has no idea of the true purpose of that (pleasuring men in oral sex.) She just thinks it looks cool. I am saying no because it is too hard for a tongue to heal after a piercing. Piercing your tongue requires a much larger whole then the tiny pinprick that is used to pierce a person's earlobe so it is more like a wound. Also if the tongue is in constant motion (like my daughters) it is not going to heal very fast.

Tongue piercing are the worst when it comes to causing complications in your child's health down the line. However no matter where you get a body piercing on your body there is always a risk. The most common problems are infection, allergic reactions, hepatitis B, HIV transmission, and tetanus.

One of the worst consequences of body piercing can be Hepatitis B. This liver cam starts chronically becoming inflamed. . Hepatitis B is caused by the HBV virus, (hepatitis B virus) although it can also be caused by alcohol and other toxins (poisonous substances). Mostly contaminated needles used for tattooing and piercing provoke hepatitis B. This also sets the person up for a nice case of hepatitis later. Yet another consequence of contracting this virus through a body-piercing needle is cirrhosis. This is scarring that stops the organ from renewing itself as it naturally can. Both cirrhosis and Hepatitis B have no cures but are can only managed by expensive medications for the entire rest of the person's life. It just does not work.

Yet another sometimes-fatal result of body piercing is an HIV infection (AIDS of course!) which can be contracted through a dirty tattooing or piercing needle. AIDS is a deficiency of the body's immunes system that makes it difficult to effectively defend itself against infection. It can take a decade or longer for the HIV virus to develop into full-blown AIDS which makes the personal vulnerable to dying from a very simple infection like the flu. One of 250 Americans is currently HIV positive and does not know it.

The main way to avoid HIV and Hepatitis B is to get your body piercing done at a professional salon that is very clean and that has sterilized needles. Piercing your own cheek, lip, tongue, eyebrow, naval, tongue or ears is NOT recommended for anybody in this day and age so make sure your teen is not going to do a self-piercing behind your back!