Life Insurance

This was the sky last night!! Isn't it incredible!!!

As you read in an earlier post, I had recently increased our term life insurance. We were not fully covered for what we thought was best and I knew we needed more. Well, I shopped around for the very best deal and ended up staying with the company I was already with. For a total of $200,000 coverage each we are paying $531.48/year.This was enough to pay our debts and nothing else, no recovery time for the left behind spouse. Anyways, long story short, we had someone in to give us a financial plan and one of the things he did was shop for life insurance. He found us 10year renewable convertible term life insurance for a total coverage of $800,00($300,000 on me and $500,00 on hubby)for $593/year!!!! Why the big savings?

Check your policy to see that you and your spouse are on the same policy(it costs more to write 2 policies, but the agent gets paid more).

Second, there are bands of insurance so that when you reach a certain higher amount it costs less????

It gives us lots of peace of mind to know we are covered properly in the event of something awful happening! We look forward to being totally debt free and our kids being self sufficient and then we will no longer carry this insurance.

Dave Ramsey says you'll never think twice about having life insurance after you've sat with someone who has lost their spouse and did not have any insurance.

Free Shampoo

Free Shampoo!

Just go to save.ca and order one free Herbal Essence Coupon. A few days later you'll receive your coupon in the mail! Happy Free Hair Washing!

This Week's Sales and Red Flag Deals

Some things I found on Red Flag Deals!

Free pedometer for first 10,000 registrants for Get Fit for Space.

Go to www.redflagdeals.com

Free National Post for 3 months with a sign up for Dale Carnegie e-newsletter

June 30 Canada T-shirts $1 at Old Navy

Free gift from Coach stores. Logo Pencils and gift case!

Just a few quick eye catchers for groceries....Superstore has bagels 3/.99 assorted Corn on the cob is 6/$2.28

Safeway has boneless skinless chicken breasts for $2.99/lb 4kg box limit 2

Happy Shopping

To Drive or not to Drive

I just read a very interesting book. It's called How to Live Well Without Owning a Car. The author, Chris Balish does a good job of covering all the pros and cons. The amazing thing to me was the real cost of owning a car(or in our society, should I say cars?). He figures on average a person spends $700-$800 a month to keep a car on the road. I decided to figure out our cost and was shocked. In 2008,our car insurance was $1129 ,our total spent on gas was $3049.71(I use gasbuddy so I could quickly look it up). Our car repairs were roughly $1200. Oil changes and the like $300. This is a total of $5668.71! It is less than his figure because we don't make payments, but it's still $472.39/month! The total for the year is a nice hot weather vacation!

Is it possible to live without a car?

I remember years ago when we went from 2 vehicles to one. It was really hard at first, but the savings were astronomical as we had high insurance at the time. I found I could easily walk and bike to most places and use the vehicle in the evening if need be. Two car homes are considered a necessity.....but are they? Is one car a necessity? Something to ponder....

Flight Sale!!!

Yes!! There is a flight sale right now at www.westjet.com . $39 and $49 tickets! I am not sure of all the destinations, but I know Edmonton and Kelowna have those deals. It seems to run until the end of June. Probably need to book quickly!! Happy Flying! Sue

Seat Sale????

I got this email from West Jet today.

Now here’s a reason to stay up late – or get up early – the WestJet Midnight Markdown.
Between midnight and 6 a.m. (MT) on June 2, 3, 4 and 5, 2009, make sure to check westjet.com because select routes will be marked down to blowout prices. We’re talking under $100 one-way folks, for travel until June 30, 2009, so if you were thinking of travelling this month this is the deal for you!
Visit westjet.com for more details.

I am going to check it out...but midnight is a little past my bedtime...set an alarm?? REMEMBER BC residents we only have to stay up until 11pm!(thanks Lynn!)

Happy Flying!! Sue

New Garbage,Recycle and Yard Waste Bins

If you live in Kelowna, you may have received, or are receiving or new waste disposal bins. We got ours Tuesday morning. Something I learned is you can request a larger recycle bin for free. To request yours go to http://www.kelowna.ca/ click on your right Recycling & Waste Pickup scroll down to Cart Change-out Request Form. Print and fill out that form and send it in. Happy recycling!!! Sue