Millennials find themselves in the stage of life that may require them to purchase their own insurance. After having aged out of their parent’s insurance coverage and buying or renting a place to live, coverage needs may not be as black and white as one might think.
Knowing these five tips will help navigate through the sometimes-complicated policies out there.
- Shop smart for adequate coverage- Although cost is an important factor, having the coverage you need is equally important. You may be tempted to choose the least expensive plan but when it comes time to make a claim, you will see less of a financial benefit. In fact, a high deductible could cause a unexpected financial burden.
- Look for discounts- Often insurance carriers will offer discounts for bundling services, such as your home or rental insurance and your car insurance. In addition, there are discounts for being in school and getting good grades. Be sure to ask your agent about these and other possibilities.
- Fill in the gaps- An average policy will provide basic coverage but that may not be enough for all your coverage needs. For instance, a rental or homeowner’s policy may not cover personal items such as jewelry over a certain dollar amount. Be sure to ask if you have collectables or higher value items.
- Purchase life insurance- Life insurance is important, no matter how old you are. For a millennial, it may also save you money on a policy in the long run. It is especially important if you have children. Life insurance can help your family cover unexpected costs in your absence. If you have children, a life insurance policy can support their education or child care expenses.
- Consult an independent broker or agent- Talking with an independent insurance agent is the first step in finding the coverage you need and can afford. An independent broker works with multiple providers and can help you navigate the different policies and coverage. They can also help explain some of the terms and conditions that may be difficult to understand.
Spring is a time of renewal. Trees are budding, flowers are blooming and we tend to clean house with windows open, dusting off winter. One area of house cleaning you may not think to dive into is your beauty products. Keeping your products clean, and getting rid of old products, is important not only for hygienic purposes, but they can be breeding grounds for bacteria and fungi, especially makeup brushes.
Don’t share makeup.
Everyone has different body chemistry and sharing products you use can cause the spread of viruses and inflammation. For example, using someone’s lipstick can pass along the cold sore virus or using someone’s mascara can spread pink eye or other eye infections.
Clean those makeup brushes.
No need to buy a special cleaner for this, using a mild soap or shampoo is sufficient. Put a small amount in your hand and swirl the brush around, rinse well, and dry upright or flat. This is also a good time to wash out that cosmetic bag and those tweezers.
Purge products every six months if they are a liquid or a cream.
This includes liquid eyeliner and mascara, they can collect bacteria that causes eye infections. Powders tend to last a bit longer, so your sparkle powder eyeshadow has a few more months in them.Store beauty products in a cool, dry space. Humidity and heat can accelerate the growth of fungi and bacteria.
One final tip, when in doubt, throw it out. Holding on to something that may be contaminated is not worth the risk of illness or infections.
With spring weather comes allergy season. Plants are starting to bloom and pollen is in the air to fertilize other plants. Pollen can also pollinate your nasal passages which can bring discomfort.
Be Prepared for Allergy Season
Common sources of allergies, sometimes referred as ‘hay fever’ come from weeds, flowers, grasses, and trees. Symptoms include sneezing, itchy and watery eyes, and runny nose.
Your physician can perform a skin prick test to help determine what you are allergic to so you can use the most appropriate treatment.
These simple tips can also help prevent reactions.
- Limit your time outdoors on high pollen days and keep your windows closed. The local news is a great resource for sharing this information.
- Take over the counter medication after consulting with your physician.
- Change your bedding once a week to remove any pollen you may have brought indoors.
- Remove your shoes in the house to avoid dragging it in from outside.
Over the counter medications can help, but natural remedies can also be the answer.
Here are a few to try:
Quercetin-found in colorful fruits and vegetables
Vitamin C- provides a natural antihistamine effect.
Saline Nasal Spray