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.

Low Fat Cooking Tips for a Healthy Family

One way to lose weight is to make your own food every day. This way you can reinvent the way the foods you love are prepared and cut the calories you ingest as well.

One tip is to roast your vegetables. This makes vegetables taste sweeter. You can serve them on their own or puree them and use them as a base for stock, dips and sauces. To roast them all you need to do is spray them with cooking ok, coat them lightly and roast in a pan.

One of the problems of eating low calorie foods is that they taste so bland. Use lots of spices to make them more attractive to your palate. Adding spices and herbs to water oil also helps fiber rich foods like cous cous and rice taste better.

You can also prevent adding fat when baking by substituting butters, fats and oils with pureed substitutes. This allows you to retain the moisture in baked goods without giving up any flavor.

Yet another trick is to cook with fresh juices and fruits. This can help you cut down on the consumption of fat and sugar in your recipes. You can even add these to savoury dishes to give them real flavour.

Yet another tip is to use a wire rack when you cook. Placing the wire rack above the roasting pan allows fatty juices to drip down into the pan. You can also grill fish and meats in milk or coconut milk to save money.

Yet another solution is to use cooking spray whenever you can. This can save you from eating thousands of calories. Most people fry foods using at least tablespoons of oil which is worth 2100 calories of fat. All you really need is a spray that contains seven calories.

You don’t have to buy commercially made vegetable oil spray either. You can buy a Misto which is a pressurized canister that you can put your own oils in.

If you need more moisture while cooking you can also add a little juice or low fat broth to help the vegetables cook faster.

The point is that you can cook with just about everything else but fat. That way you don’t have to add unnecessary calories to the food you are eating. In fact when it comes to being one of the most natural ways to lose weight this is one of the best ways.