Category: Uncategorized

Eat your greens, get enough sleep, and move your body. We all know the common advice for improving your health. These things are important — but being healthy is about more than that. Living a healthy life includes caring for your physical, mental, and emotional well-being, so you can get the most out of what life offers. And even if you know what it takes to live a healthy lifestyle, you may feel like you’re not quite there.

An annual survey on stress by the American Psychological Association in 2022 found that Americans reported worse mental health, low physical activity, and unhealthy coping habits. If you’re one of the many people looking for health solutions — or if you feel great but want to take further steps to a healthy lifestyle — here’s what to consider.

What are the benefits of living a healthier lifestyle?

A longer life

There’s plenty of evidence to back up that a healthy lifestyle can add years or even decades to your life. One large-scale Harvard study looked at five areas that affect health — diet, physical activity, body weight, smoking, and alcohol intake — in men and women. People with healthy habits in all five areas enjoyed significantly longer lives than those without: 14 years for women and 12 years for men (if they had these habits by age 50).

If achieving all five healthy habits feels out of reach, keep in mind that incremental changes matter, too. The same study showed that having just one of the five healthy habits extended life expectancy by two years in men and women alike.

Saving money

Swapping processed foods for a cleaner diet isn’t just easier on your budget now. It can also mean fewer health care expenses later, so that you can put those dollars toward future goals instead. The Trust for America’s Health estimates that the benefits of healthy eating and reducing the average adult body mass index (BMI) by 5% would help the U.S. save roughly $158 billion over ten years through reduced medical spending and increased productivity.

Better quality of life

Healthy lifestyle choices like diet, exercise, and stress reduction don’t just mean longer life, they can also mean a more enjoyable one. Studies show that exercise improves mental health by reducing anxiety, depression, and negative mood. Exercise can also alleviate symptoms such as low self-esteem and social withdrawal.

How to live a healthier lifestyle

Abundant research shows that these areas are the ones to keep top of mind when it comes to living a healthier lifestyle:

• Don’t smoke or consume nicotine, according to the Centers for Disease Control
• Eat five servings of fruits and vegetables daily per the Harvard School of Public Health
• Exercise 30 minutes five times a week, says the Mayo Clinic
• Maintain a healthy BMI of 18 to 25, according to the National Institutes of Health

According to WebMD, only 3% of American adults scored perfectly in these four healthy lifestyle choices.

Other considerations for living a healthy lifestyle

Avoid trigger foods

Especially in times of stress, we all have go-to comfort foods. These are often the ones where we lose control and can’t stop at just one — and they often have high sugar or salt content. Taking steps to avoid these foods when you’re stressed can not only help you feel better in the short term mentally and physically but will also help your health in the long run.

Be proactive about your health

Even the healthiest person can get sick. Make sure to talk to your doctor about the right healthcare plan. Be diligent about regular screenings, check-ups, mammograms, and prostate exams — especially if you have a family history of certain illnesses. Learn why a medical exam for life insurance is often required.

Take time off work

Americans have transformed busyness into a national obsession. But your mental and physical health will thank you for taking those vacation days. Chronic stress leads to health issues and shorter life expectancy.

Detox from tech regularly

Try instituting “tech hygiene” like no phones at dinner or leaving your phone on your desk while you sleep. Use the time away from your devices to get active outside instead of surfing the internet or social media.

Start living a healthy lifestyle for a brighter future

There are ways to control and reduce overall stress, leading to a longer, healthier life. There are ways to take control and reduce overall stress, which can lead to a longer, healthier life. That includes making sure your family is financially protected if something happens to you with the type of life insurance that makes sense.

Progressive Life by eFinancial is committed to helping people protect their families with affordable term life insurance. A term life plan can provide a financial safety net to replace income and cover expenses once you’re no longer there to provide for them. Our easy-to-use life insurance calculator can help you figure out how much coverage you need to protect your loved ones. Once you know your needs, consider a life insurance policy and get a personalized quote online.

The post How to live a healthier life appeared first on Life Lanes.

Source

Whether you’re planning a wedding or another large event, you’ll likely need some help. Vendors supply everything from food and music to lighting and tents. You can expect to need many vendors if you’re planning an outdoor wedding or event. Choosing these vendors wisely will ensure your event goes off without a hitch. Here are some tips to consider when looking for vendors for an event.

Look for vendors with a similar personality to yours

Detail oriented

Are you detail-oriented? Do you like to have every contingency documented? Find the vendor that matches your level of attentiveness. Ask them to show you their list, plan, or bullet journal. Give them an assignment before your first meeting, and you’ll be able to see exactly how they match up to your meticulous standards.

Spontaneous or more structured

Are you spontaneous and go with the flow? Do you tend to change your mind on a whim? Be sure to ask your prospective vendors how they deal with unforeseen changes to the plan. Better yet, have them give examples of past parties where something unexpectedly changed and ask how they handled it. Do they roll their eyes describing a bridezilla that decided to change everything last minute? Or are they excited to solve a problem and come up with something new?

Micromanaging or creative freedom

Are you the supervising type? Does nothing get done without your approval? Or are you more comfortable giving someone your vision and allowing creative freedom? Ask your vendors how they work best. Will they always be looking to you for direction, or do they do their best work when left on their own?

If you are more on the micro-manager side, the last thing you want is someone who will be easily offended by feedback. Make a couple of criticisms of their portfolio and see how they react. If you want to be surprised and delighted by the result, ensure they are independent and trustworthy.

Look for event vendors with references

These days, it’s easy to get reviews online, but unfortunately, you can’t always trust those. Sometimes you need to pick up the phone and call their references. But don’t stop there. Be an investigator and find someone who isn’t on the reference list. Ask your caterer about prospective DJs. To help you be an amateur detective, here are some questions to ask the references:

• Would you use this vendor again?
• Describe what you want and ask if they think the vendor will do a good job.
• What did you like best about them? What did you like the least?
• If they made a mistake, how did they handle it?

Find an event vendor who is responsible and professional

Even if your party is a casual affair, the last thing you want is for the person you hired to be disorganized. Even worse, you don’t want a vendor to be so negligent that they cause a safety hazard to guests, damage your venue, or even flake out on you. Check if your vendor is organized, professional and if they have insurance.

How did they handle their first meeting with you? Were they late and disorganized, or were they on time and prepared? It’s common for the creative one in the business — the chef or the florist, for example — to be less organized or business-savvy. If their souffle is to die for, it’s okay if they can’t calculate your bill in their head.

This may depend on the type of business they conduct. But, overall, does their behavior, attitude, and even outfit align with what you’re hiring them for? Ensure they have the proper licensing and experience to fulfill your special event needs. You don’t want to hire an inexperienced, unprofessional vendor who can ruin your event.

When your vendor has insurance, you can have peace of mind that there’s coverage available for their negligence. You won’t be stuck with the bill if you hire a bartender to serve alcohol because that comes with additional liability. They must have the proper alcohol liability coverage for their operation. Learn more about how event insurance works.

Other considerations for choosing your vendors

When choosing your vendors, remember this is your event. The vendors you select are all part of a business transaction. You’re the boss — do your research, be clear about what you need and expect, and don’t be afraid to delegate. Your vendors will appreciate such directness, saving you many headaches come event day.

Be ready for other headaches and potential disasters with special event insurance, which can protect you in all scenarios. Whether planning a backyard wedding or special charity event, you can be covered from wedding cancellations and postponements to a stolen wedding dress or damaged event venue. You can customize special event insurance to your needs, no matter the occasion.

The post How to find vendors for your event appeared first on Life Lanes.

Source

Talking about death — and what comes next — is understandably tough for many of us. The numbers say it all: A recent survey from The Conversation Project found that 92% of people say it’s important to them to talk with their family about their end-of-life planning and wishes. Yet only 32% have had the conversation.

Even if it’s still years in the future, planning your funeral in advance can take a big burden off your family because they won’t have to guess what you want (and second-guess their own decisions) during an emotionally taxing time. Funerals are expensive, with the average funeral costing $9,000 or more in 2021. Planning for your funeral can help you ensure your family has enough money to fulfill your wishes once you’re gone.

We know that thinking about the end of your life can be overwhelming. Remember, you don’t need to coordinate every detail, like your sock selection or the exact color of flowers at the service. That said, planning a few key aspects, and discussing them with loved ones, can help make things go much more smoothly later.

Arrangements to consider before planning your funeral

Will you choose burial or cremation?

The biggest decision you’ll have to make is whether you want a burial or a cremation. Burials are more costly than cremations, and the casket is the biggest ticket item in a burial. According to the Federal Trade Commission, caskets can range anywhere from $2,000 to over $10,000, depending on the quality and materials used.

If you want your loved ones to bury you, you must choose a cemetery plot. Consider whether you want other family members to be buried there, and plan for that. Other typical burial expenses involve the plot and grave marker, transportation for you and your family to the cemetery, and graveside service.

If you want loved ones to cremate you, think about the final resting place for your ashes. Will they be buried, scattered, or given to family members? With cremation, you’ll need to plan for the cost of an urn or other container, the cremation itself, and the transportation of your “cremains,” or cremated remains. Additionally, some people decide to forgo both options and donate their body to science. You’ll want to investigate this ahead of time should you choose this route.

Funeral service details

• The type of service and the location of the service.
• Choose the readings, songs, and other celebrations.
• Choose whom you would like to include in your service.
• Include other personal requests, like special flowers or music.

Funeral service cost

Ensuring that you have covered the cost of your funeral is an important part of end-of-life planning. Think about the money you’ll need for a funeral, plus any additional medical bills or expenses that might crop up unexpectedly. Final expense insurance can help ensure your family has enough money to cover everything and is typically available in amounts up to $35,000, depending on the company. You can typically purchase this kind of policy until age 85, and it’s easy to qualify since it doesn’t require a medical exam.

When you buy final expense insurance, you can name a spouse or child as your life insurance beneficiary or assign it directly to your funeral home if you know they will make your final arrangements. If you decide to go this route, check in with your funeral home to ensure they can accept final expense insurance as a form of payment.

How to plan your funeral arrangements

Choose a funeral home and contact the funeral director

They can help you plan your service, select the items you need ahead of time, and help you understand overall costs.

Make cemetery arrangements

Is this the place you want your body to rest? Do they have room for other family members, if needed? You might visit the location yourself first.

Let your loved ones know if you want to be buried or cremated

Telling them whether you prefer a burial or a cremation (or if you don’t have a preference) ahead of time can help avoid much stress later. Consider putting arrangements in your will or writing them down to avoid confusion. If you change your mind later, that’s OK, too. Just be sure to communicate anything new with your family members. Choose a trusted family member to be the main person in charge of arrangements, which can help make things easier.

Communicate other final wishes

If you have any specific final wishes about your funeral, burial, or cremation, let them know now while you still can. Also, talk to them about your obituary or write it down beforehand.

Make sure your estate plan is in order

Once the funeral is over, having a proper estate plan can help avoid unnecessary hassles and costs for your family. A will covers where you want your things to go when you die and who should care for minor children or dependent relatives. A will may not cover all your assets, so you may also need a trust or other estate planning documents.

Without the proper documentation, your family can end up in probate court to sort things out, costing thousands of dollars. An estate plan may also include powers of attorney, which give your family the power to make medical and financial decisions on your behalf before you die if needed. Learn more about why you need a will.

Other considerations for planning your own funeral

For many people, making funeral arrangements in advance can provide a sense of control and peace. No one knows when their time will come but planning where possible can help make it easier for you and your family.

Find the life insurance you need to protect your family at a price you can afford. Get quotes from multiple carriers and personalized guidance from a licensed eFinancial agent to help you choose the right coverage.

The post Should you plan your own funeral? appeared first on Life Lanes.

Source

Buying pet medicine online can be a safe and convenient option for pet owners. You might have adopted a senior pet or have multiple pets in your household. In that case, an online pet pharmacy’s lower costs and convenience can help you keep up with their medications and save you money. We got some advice from Dr. Jamie Whittenburg, DVM a veterinarian at Cat-World.com and director of Kingsgate Animal Hospital in Lubbock, Texas. Dr. Whittenburg educated us on the ins and outs of how to order pet medication online.

How do you safely order pet medication online?

There are several reputable pet pharmacies online. However, there are unsafe ones out there too. Dr. Whittenburg advises using caution when ordering medications off the internet and doing plenty of research.

Certain online retailers sell the same name-brand medications you can get through your vet. VIPPS (Verified Internet Pharmacy Practice Sites) or NABP (National Association of Boards of Pharmacy) has accreditated these online pharmacies. It’s important to verify their accreditation before placing an order to ensure the website is legitimate.

Can you order pet meds without a vet prescription?

That depends on the type of medication. Some types of pet medications require a prescription, while others might be over the counter. Either way, consult with a veterinarian before medicating your pet.

What are the benefits to ordering pet medication online?

As long as you make sure to go through a reputable company, Dr. Whittenburg shares the two benefits of ordering pet medicine online.

1. Convenience

You can order the medication from the comfort of your home and have it shipped directly to you. However, depending on the medication, you may need to get a written prescription from your vet before you can order it online.

2. Lower price

The large online retailers buy products in bulk, meaning their prices are often lower.

What are the benefits to ordering your pet’s medications through your vet?

Of course, there are two sides to everything. Dr. Whittenburg says there are benefits to ordering your pet’s medications through your vet rather than online.

1. Safety guarantee

No matter what kind of medication you order for your pet, you’ll know it’s safe and has been handled correctly. You’ll also be guaranteed the correct dose and strength for your pet.

2. Get prescriptions filled quicker

Using a pet pharmacy associated with your veterinarian can help ensure your prescriptions are approved quickly, given that your vet knows your pet’s medical history.

3. Order smaller doses

Vets can sell individual doses of boxed medication, so you only need to purchase the exact amount you need. Online pharmacies require you to buy the entire package. For example, you can buy a one-month supply of heartworm prevention from your vet but may only be able to get a six-month supply online. Buying a big supply can be inconvenient if you won’t use the full box before it expires or if your pet is still growing and will need a different dosage strength when changing weight classes.

What else should you consider when ordering pet medication online?

Before going online for pet medications, Dr. Whittenburg suggests speaking to your veterinarian. They can recommend reputable online pharmacies. Some veterinary clinics have online pharmacies with similar pricing and convenience to the big online pet retailers. Your vet may even offer price matching if you show them that the medication is being sold cheaper from another reputable pet pharmacy.

With Progressive Pet Insurance by Pets Best, you may be able to cover a wide range of prescription medications. Learn more about how pet insurance works.

The post How to order pet medicines online appeared first on Life Lanes.

Source

Sometimes in life, there are no words. Knowing what to say or do after someone dies can be tricky to navigate emotionally, especially if you’re also grieving yourself. Funerals can be confusing. You don’t want to wear the wrong thing or sit in the wrong spot, offending family members who are already in pain.

If you don’t know what to do at a funeral, you’re not alone. Many people are unsure about funeral etiquette or how to share their condolences with grieving people. These common do’s and don’ts will help you know how to act at a funeral and express your sympathy to family and friends during a tough time.

What is proper funeral etiquette?

Funeral etiquette may vary based on personal and religious preferences or other social practices, but the basic idea is to support the family and participate meaningfully in communal grieving for the deceased.

The main rule to remember: Be respectful and understanding. Grief can make people say and do things they normally wouldn’t otherwise. Give yourself grace and extend the same to others. You don’t have to be an eloquent speechwriter to provide comfort—a kind word or even just your presence can mean a lot to someone grieving.

If you’re attending an in-person service, here are some other things to keep in mind:

Be prompt

The purpose of a funeral is to celebrate the deceased person’s life, but it’s also a time you may see many people you normally don’t get to see. You may want to arrive early to talk with other mourners. If you’re participating in the service, get there at least 30 minutes early to review the schedule with the officiant or coordinator.

Choose your outfit wisely

Black clothing is the traditional choice, but it’s not always the required funeral dress etiquette. Conservative, dressy clothing in neutral colors is also appropriate. Your outfit choices may depend partly on any observed religious traditions or customs.

Follow any other religious customs

Religious funerals vary widely but typically occur at a house of worship and a religious leader will typically officiate. If you’re attending a religious funeral, you may not be sure what to expect. You may want to research ahead of time to feel more prepared and comfortable. Don’t stress, however: There will be people at the service to guide you.

Take a seat

Don’t overthink seating arrangements. The first few rows are reserved for the grieving family, but you can typically sit anywhere other than that. If you notice a friend or family member having a hard time, it can be helpful to move to them and offer your support if you can do so without interrupting the ceremony.

Consider whether to bring kids

Whether you bring children will depend on the individual child and how close they were to the person who died. Young children and those who didn’t know the person well may be better off at home, but if your child is interested in attending and you think it will help provide them with closure, you can bring them. Prep them beforehand so they understand what grief looks like, and that it’s OK to feel those feelings.

Should I send flowers to a funeral?

Flowers are common at funerals to celebrate life and provide an uplifting presence for family and friends. Avoid anything too lighthearted, like arrangements with balloons or stuffed animals. Also, keep in mind any religious customs. Typically, many families favor white flowers.

If you’re sending flowers to a funeral home, flowers placed on the casket are typically from the immediate family. Freestanding arrangements are usually a safe choice. Some families may prefer a donation made to a favorite charity, which they may indicate in the obituary.

What should I say when someone dies?

Of all the times when we struggle to find the right words, death is near the top of the list for many people. First, say something — don’t let the fear of saying the wrong thing keep you silent. It’s immensely comforting for grieving people to hear from others in their time of loss.

If you don’t know where to begin, try something simple, such as, “I’m so sorry for your loss” or “I’m here for you.” You can also share a fond memory of the person who died.

It’s best to avoid using harsh words like “death” or “died,” or sentiments like “they’re in a better place” or “this happened for a reason.”

If you’re wondering how to reach out to someone, any private method of communication is OK, including text or email — although there’s no replacement for a handwritten card. You can also use social media but do so with caution. Condolences posted on someone’s public feed can seem showy or inauthentic. It may also mean people hear about the news on social media rather than directly from the bereaved, which is the last thing you want.

At the funeral itself, it can be uncomfortable to approach someone in mourning. If you’re not a close friend or family member, express your condolences politely and move on so others can speak to them. After the funeral, keep following up. Grief doesn’t follow a timetable, so people may feel months later that others have moved on while still experiencing intense sadness. Check in regularly and let them know you’re there to support them.

How did the COVID-19 pandemic change funeral etiquette?

Funerals can look different these days. According to the Centers for Disease Control and Prevention, there’s no need to delay a funeral or memorial service because of COVID-19, if you follow proper safety precautions. This includes:

• Social distancing and mask-wearing
• Avoiding sharing communal materials, like prayer books or programs
• Reducing the number of people who are singing or chanting to reduce the spread of the virus through the air
• Reconsidering traditional customs, like touching the deceased’s body

Some families might choose to delay funerals or hold virtual services as a precautionary measure, which can make grieving harder. Seeing others and hugging them can be a powerful source of comfort that many families simply don’t have right now. Consider other ways you can still reach out and show your support, like sharing comforting words or memories via video calls, texts, or letters.

Heartfelt communication matters

The death of a loved one is an emotional rollercoaster and knowing how to comfort a bereaved person can leave you feeling uncomfortable and unsure. Knowing basic funeral etiquette can help you focus on processing your emotions and truly supporting those around you during the grieving process and funeral service.

When it comes to financial support during the grieving process, final expense insurance and burial insurance can provide financial peace of mind in the wake of a death. Progressive Life by eFinancial is committed to helping protect families at every step and offers affordable final expense options that make sense for families’ needs and budgets.

The post The dos and don’ts of funeral etiquette appeared first on Life Lanes.

Source

Exercise for dogs is a must to keep them healthy and happy. Your dog’s breed and current health condition will affect how and how long your dog should exercise. Consult your veterinarian about your dog’s exercise plans and build up any new exercise routines gradually. Engaging in aerobic exercise means your dog will pant, so they’ll need lots of water and appropriate rest breaks. And compared to adult dogs, puppies and seniors need shorter and less intense exercise sessions.

How much exercise does a dog need daily?

Every dog has unique exercise needs, and your veterinarian can help you determine exactly how much yours needs. These factors affect how much exercise a dog needs, how often, and what kind.

Age

Rather than one long exercise session, puppies need a few short sessions each day at their own pace. Their bodies are still developing, so try to minimize strain and impact. The same applies to senior dogs — it’s better for them to exercise with less impact and intensity in shorter, more frequent sessions of around 15-30 minutes. Learn more about adopting and caring for a senior pet.

Breed

Some dog breeds typically have high energy levels, and others don’t. This will affect how much exercise you give them. For example, dog breeds with shorter snouts or flatter faces like pugs and French bulldogs may have more difficulty breathing, particularly when exerting themselves, so regular but gentle exercise may be healthier. Some dogs like to sprint in quick bursts, while others could run all day long if you let them. Not that you should — two hours is a healthy limit.

Health and condition

If your dog is overweight or has underlying health conditions, take it easy with them to start. Your vet can recommend healthy exercise options for your pet’s medical issues. No matter the age, breed, or health of your dog, it’s best to start exercising them slowly and build up the duration and intensity over time. Steady and progressive conditioning is better than long, infrequent exercise.

How to exercise your dog outdoors

Consider bringing your dog to different places and mixing up the pace as appropriate to their age, breed, and condition. If your dog is well-behaved around others, they can also exercise in dog parks. Other activities that give you a break include obedience training, doggie daycare, flirt poles, and bubble play — a dog needs mental and physical exercise. And don’t neglect the classics, like a game of fetch or tug.

Here are some outdoor dog exercise options to try.

• Walking, jogging, running
• Hiking, cycling, swimming
• Skating (roller blades, roller skates, skateboards)
• Agility training and dog-specific sports like flyball
• Draft work (where your dog tows you, like skijoring)

Exercising with your dog during weather extremes

Take it easy on your pup in the summer when it gets hot and humid. To keep your dog safe in the heat, stay in the shade, watch out for hot pavement, and exercise earlier or later in the day when it’s cooler. In the winter, talk to your vet about whether your dog would benefit from a cold-weather jacket or vest when exercising outside.

You might consider dog boots as well. If your dog exercises or plays barefoot in snowy or icy weather, clean their feet when they come back inside to remove snow, ice, and road salt. Exercise can help ward off illness, so don’t avoid it altogether. Learn about common winter illnesses for pets.

How to exercise your dog at home or inside

Sometimes, you don’t have the opportunity or option to get outside with your dog. If your dog could benefit from a change of scenery, a pet store or dog-friendly café can mix things up. Dog exercise at home and indoor dog exercises can be a fun and easy way to get your dog more active.

Indoor dog exercise activities include:

• Food puzzles and snuffle mats
• Food dispenser toys
• Slow food bowls
• Hide and seek
• Stairclimbing and chase
• Walking or running on a treadmill
• Bathtub swims
• Doggie play dates

If you live in a small space, get more tips for apartment living with pets.

Why is exercise for dogs important?

The benefits of exercise for dogs are behavioral and health related. Behavior-wise, keeping your dog active means they’ll be less likely to get bored and engage in excessive barking, inappropriate chewing, and other destructive habits. Daily mental and physical exercise also provides some of the best stress and anxiety relief for pets.

A well-exercised dog generally sleeps better, has improved digestion, and experiences fewer issues with movement and agility. Without enough exercise, your dog can get overweight. If your dog is already overfed, exercising can be one way to help your dog lose weight.

And if you choose exercises for your dog that also get you some exercise, you’ll enjoy similar health and mood-elevating benefits — not to mention quality time with your pup.

Should I exercise my dog?

Dogs need motivation. Unless they get a case of the zoomies, it’s more likely than not they won’t exercise on their own – even if they have a nice backyard. And if they don’t get the necessary exercise, they may put their pent-up energy into unhealthy, bothersome, or destructive habits.

Ultimately, you’re responsible for providing that exercise motivation. You get to be their partner in exercise and play. So, what do you like to do? Think about the dog-friendly kinds of exercise you enjoy and gradually try those activities with your pup.

If you notice a change in your dog’s exercise behavior, don’t push them to perform. If they’re injured, you may make the situation worse. When you have an injury concern, take them to the vet. Additionally, having the right pet insurance coverage can help reimburse your costs if the issue is due to a covered injury. Find out how pet insurance works.

The post Tips for dog exercise appeared first on Life Lanes.

Source

A will might sound like something your parents or grandparents need, but the truth is, none of us know what the future holds. There are many reasons to have a will, and no matter your age, having a will is important. If you don’t already have one, don’t worry — you’re not alone. A 2022 survey by Caring.com found that while 56% of people agree that having a will or an estate plan is important, only 33% have one.

No one’s future is guaranteed. Everything can change in the blink of an eye. Like a will, life insurance provides peace of mind that the people who matter most to you are protected if something unexpected happens. Learn more about the different types of life insurance and which option is best for you.

How do wills work?

A will is a legal document that lays out your final wishes, leaving instructions on how your property should be distributed after you die. Creating a will is important because it lets everyone know how you want things handled after you die. Those instructions are necessary for someone else to step in and decide who gets what since you may not like what they would choose without knowing your instructions.

You can also use a will to:

• Name someone to carry out your wishes
• Name who will care for your minor children
• Decide how to pay for debts and taxes
• Provide for pets

However, it’s important to note that wills do not cover everything. Anything jointly owned with someone else, assets that have a beneficiary, property that is held in a trust, stocks or bonds and digital assets typically are not left in a will. If you have any of these assets, consider talking to an estate planning expert who can help you get started.

Who needs a will?

Many people think they don’t have enough assets to bother with a will, but estate planning is important even if you don’t have a sprawling estate. Consider a will if you are married, have children, or have many assets.

Do I need a will if I am married?

Even though your spouse will likely inherit your assets if you die without a will, you don’t want to leave it up to chance. Also, if you want someone other than your spouse to inherit your things, you need to clarify that.

Do I need a will if I have children?

If you have children, it’s essential to designate who will take care of them after you’re gone and who will manage their assets. Just like with a spouse, your children will inherit a portion of your assets even if you die intestate – that is, without a will. A will is your chance to say how much of a share they get.

How to create a will

Making a will is easier than you think. Start by putting together a list of your assets. You might include the contents of safe deposit boxes, family heirlooms, and anything else you want to leave to a particular person or organization. If you have personal property that you’d like to leave to specific people, create a list of those items so you can include them in your will. You can write a will yourself. This can be a simple and cost-effective way to create a basic will, and there are thousands of online tools to help you.

You can also consult an attorney to write a will. If you need additional help in understanding your options or have any complex considerations, like a second marriage, children from a previous relationship, or dependent family members with special needs, it may be worth spending the money to consult with an experienced estate planning attorney to make sure that you properly execute the required documents. The thing to keep in mind about a will is that, by the time you find out there are problems with it, it’s usually too late. Even if you make the will yourself, it’s probably wise to have a professional look it over to avoid problems.

Once you’ve created a will, review it regularly as part of your end-of-life planning. Marriage, divorce, a new job, a new home, and a new baby are all life events that can change how you want to distribute your assets. Review and update it as needed every two or three years or after major life changes. It’s also smart to check periodically to see if your state has updated laws that could impact your will.

Why do I need a will?

When you die intestate, the state oversees the distribution of your assets. In many instances, a judge or state official will use a set formula to divide your assets. That can result in part of your estate going to your spouse and part to your children if you have any. In many instances, it may result in selling assets such as your home or other physical assets. Selling off assets can make things harder for a surviving spouse who was counting on those things to help maintain their standard of living.

The situation can get even more complicated if you have children who are minors. If your children are under 18, the court may appoint a representative to oversee their finances.

Dying without a will can also be expensive. Your assets will likely go into probate, a complicated and costly legal process. Fees vary by state, but attorney and court fees take 3% to 8% of an estate’s value. On top of that, your family may spend months or even years wrestling with the courts over who should get what.

The post Do I need a will? appeared first on Life Lanes.

Source

Our phones are our lifelines, but they’re at risk for damage from water and other elements. So how can you protect your phone from water damage? Let’s review some common accidents that result in water damage and how to protect your smartphone by preventing them.

Ways to avoid common water damages to phones

Limit phone use while swimming

Especially in the summer months, one of the most frequent forms of water damage for phones comes from the beach or swimming pool. Limiting the number of “selfies” you take in or around the pool and avoiding taking underwater photos can greatly reduce the risk of water damaging your phone.

If you like to listen to your phone while swimming, you can use waterproof, Bluetooth earbuds and leave your phone in your bag, away from the water. Learn how to protect your phone at the beach.

Keep your phone out of the bathroom

Whether by way of the toilet or bath, plenty of situations can lead to your device sustaining water damage. It’s become common to spend a little extra time in the bathroom checking emails, playing games, or sending text messages. However, if you want to protect your phone from water, keep it out of the bathroom.

Stay away from spills

Something as simple as spilling a beverage on or around your smartphone can prove costly. If water seeps into any part of the logic board or the charging port, your phone could face inevitable demise. Avoid placing your phone on the table at mealtime, and keep a safe distance between your mobile device and your beverages.

Is my phone water-resistant?

Most modern phones are water-resistant, but there are a few things you can check to determine if yours is. First, check the manufacturer’s specifications to see if the phone is considered waterproof or water-resistant. You can also look for the IP rating, which is a numerical rating that indicates the degree of protection against dust and water. Digital Trends reports that an IP67 rating means the phone is dustproof and you can submerge it in up to 3.2 feet of water for up to 30 minutes.

Which phones are waterproof?

It depends on the manufacturer and the model of the phone. Currently, most phones are rated as water-resistant, meaning they can withstand splashes, spills, and light rain. Pay attention to the phone’s IP rating to find out just how waterproof it is. For example, Apple reports that their iPhone 14 series is, “splash, water, and dust resistant.” With an IP68 rating, these phones can withstand water up to 19.7 feet deep for up to 30 minutes. Many of the latest Samsung Android phone including the S22 and Note20 also carry an IP68 rating.

More tips for protecting your phone from water damage

• Invest in a protective case and screen guard
• Try nano-coating, which forms a thin, transparent, waterproof chemical coating on the device’s surface
• Use a waterproof pouch or plastic zip-close bag when you’re near water
• Place a piece of tape over the ports and openings of the device if you don’t have a bag
• Use a waterproof armband to protect your phone from sweat when you’re running or working out

Unfortunately, accidents do happen. Consider cell phone insurance to protect your budget if water damage happens anyway, and find out if cell phone insurance is worth it.

The post Tips for protecting your phone from water damage appeared first on Life Lanes.

Source

When you’re preparing to rent your first apartment, there’s a lot to consider. If you’re moving out for the first time, you might feel nervous about living on your own. Renting your place is exciting, but it can also feel intimidating. To prevent that feeling of overwhelm, we have a first-time renters guide to ensure you don’t miss a thing and you’ll be well on your way to finding the perfect apartment.

Introduction to apartment hunting

For a first-time renter, apartment hunting can feel manageable when you have a plan. You can make the process smoother and more accessible with a little research, planning, and knowledge. Before you start your search as a first-time renter, you should understand the basic aspects of apartment hunting such as rental applications and agreements, rental inspections, and what to look for when renting an apartment.

Renter’s checklist for apartment hunting

• Set a budget: Determine what you can afford and stick to it.
• Research the area: Look for apartments in a safe and convenient location.
• Make a list of must-haves: List the features you want in your apartment.
• Take notes: Make sure to record your impressions of each apartment you visit.
• Ask questions: Ask the landlord or property manager any questions.
• Compare apartments: Decide which one is best for you by comparing places.
• Check out the neighborhood: Visit during the day and night to get a feel for the community.
• Know your rights: Make sure you understand the rental agreement terms and your rights as a tenant.

What to look for when renting your first apartment

When looking for an apartment, there are a few key factors to consider.

Location

Look for apartments in safe and convenient areas close to public transportation, grocery stores, or other resources important to your lifestyle.

Cost

Look for apartments within your budget and ensure you understand the terms of the rental agreement. As a first-time renter, ensure you know all the costs associated with the apartment, including rent, security deposits, pet deposits, and any additional fees.

Amenities

Does the apartment have washer and dryer, or will you travel to do your laundry? Will you have a designated parking spot, or will you have to jockey for a spot with your neighbors? Is there a guest policy and parking for visitors?

Condition of the rental property

Check the condition of the rental property. Look for signs of damage or wear and tear and ensure that the apartment is safe and secure.

Apartment rental inspection checklist

Once you’ve found a place you like that checks all your boxes, it’s essential to inspect the property thoroughly. You should ensure that the apartment is in good condition and that the property manager has made all the necessary repairs. Here is an apartment rental inspection checklist to help you get started:

• Check the walls and ceilings for any signs of damage.
• Inspect the floors for any cracks.
• Check the windows and doors to ensure they’re intact and working properly.
• Identify any evidence of pests or insects in the apartment.
• Inspect the plumbing and electrical systems for any problems.
• Check the water pressure in the shower and kitchen sink.
• Check the appliances and confirm they’re working.
• Check the heating and cooling systems for any problems.
• Check for adequate cell reception.
• Can you paint the walls or hang pictures?
• Check for any safety hazards and ask when they’ll be repaired.

Apartment lease and rental agreements

You must fill out a rental application and get it approved before renting an apartment. The application will ask for documentation of any previous rental history, personal references, proof of your income, and where you work. You’ll give the property manager permission to run your credit history. You’ll complete the application, submit it to the property manager, and then wait to hear if you were approved.

Once you’re approved to rent the apartment, read and understand the lease terms before signing a rental agreement. It’s essential to know your rights as a tenant and understand all the agreement details. Here are a few questions to ask yourself before you sign:

• Security deposits: Do you understand the security deposit terms and if there are any additional fees? Learn more about how to get a security deposit refund.
• Pet deposit: Is there a pet security deposit required?
• Rent: Do you know the rent due date and any late fees?
• Utilities: Are you clear about who’s responsible for paying for the utilities?
• Repairs: Do you understand who’s responsible for repairs and maintenance?
• Subletting: Are you clear on the terms of subletting the apartment and if the lease allows it?

After reviewing this first-time renter guide, you can feel confident and better equipped to start apartment hunting. Learn more about what questions to ask when renting an apartment.

Renting your first apartment is a major milestone. You might be moving out of the familiarity of your family home, and you’ll be buying furniture and décor items to make your new place feel like home. This would be a great time to consider getting renters insurance to protect your belongings from unforeseen events.

The post Checklist for first-time apartment renters appeared first on Life Lanes.

Source

Moving to a new home is an exciting time for most people. But moving can be a source of anxiety for your beloved pets, especially cats and dogs. Many animals thrive on familiarity and routine. Moving with pets can upset those routines and can leave them feeling stressed. In addition to the difficulty of seeing our pets suffer, their anxiety can complicate the move.

Here are a few tips for moving with a cat or dog that can help everyone feel less stress during the move and settle into the new home quickly.

Preparing to move with pets

Before moving with a pet, you should put a few things on your to-do list. Moving with a cat isn’t that different from moving with a dog. In both cases, you should prepare them for the journey, especially if you’re traveling a long way. Other essential steps include getting informed about your new home, updating contact information, and packing correctly for your pet’s well-being. As you prepare, remember the following steps:

1. Crate train

Start crate training as soon as possible, especially if you need to crate your animal for traveling. If you’re flying with your pet, you can prepare your dog by driving them through a car wash with similar sound effects, speaking calmly to them the entire time. A few days before moving day, reduce their food consumption, so they don’t have a full stomach on the plane or in the car.

2. Update your pet’s information

If you haven’t already, get your pet microchipped. Make sure they have proper identification. Your new address and contact info should be on their tag. Having an ID tag is especially important when moving with a dog or an outdoor cat because they are more likely to get lost than indoor cats. If you have pet health insurance or are considering pet insurance, update your provider with your new address.

3. Learn about your new area

If you’re moving pets to a different city or state, check the local laws to ensure you’re aware of anything unusual. Find a new veterinarian and send or bring them copies of your pet’s records. Before you leave, speak with your current vet about ways to reduce stress for your pet during the move and if you should consider pet anxiety medication for the move.

4. Pack with your pet in mind

Have a plan for moving day. Assemble your moving boxes early so your animals can get used to them. Put their carrier out a few days beforehand, with their favorite toys, blanket, and treats inside. Most importantly, keep to your daily routine as much as possible. A familiar routine is especially important in terms of exercise: keeping their energy at manageable levels will be helpful on moving day.

How to move with pets

When moving with pets, stick to the plan to limit confusion, and take steps to help them feel safe both during the moving process and once you arrive at the new house.

1. Create a safe space and minimize anxiety

Designate a quiet spot for your pet with their most cherished items. When you move pets, it helps to load their items last, so they have a safe space while you work. Packing pet gear at the end makes it accessible if you need something during the trip. Remember to feed them lightly, so they don’t have a full stomach during this anxious time.

2. Avoid the chaos and get some exercise

Ideally, you’ll get your pet out of the house for most of the day for some exercise or play time to burn up extra energy. If you hired movers, you could do that yourself. Otherwise, ask a family member or friend for help. If all else fails, prepare to crate your pet while you pack up the house and moving truck. You may want to use anxiety medication if needed, at the direction of your vet.

3. Make your new home pet-friendly

The first thing you should do after moving house with pets is to inspect your new place for safety concerns and pet-proof it as soon as possible. Don’t wash your pet’s things. Familiar scents will help them feel at home. Create a spot specifically for them, filled with their favorite things, and, if possible, set up your furniture in a similar layout to the old house.

Other considerations for moving with a dog or cat

After moving with pets, you’ll probably need to make some adjustments but try to keep your new routine like the old one. Remember that even the most well-adjusted pets might need extra attention as they adapt to their new surroundings. If you are moving with a dog, it’s good to meet your neighbors and introduce yourself and your pets. Dogs may benefit from finding a doggy daycare to meet playmates in the area but keep them on a leash until they’re familiar with the area.

If you’re moving into a rental home with your pets, familiarize yourself with any pet rules the building has. Renters may want to personalize the new place to make it a better fit for their animal friend — especially if you’re living in an apartment with pets that need more space or exercise — but check your lease before you make any significant changes or pet-friendly home renovations.

Most importantly, if your pet doesn’t get it right away, don’t worry! That’s perfectly normal. No matter how far you’re moving or what your new place is like, the key to a successful move with pets is patience and giving them time to adjust. Soon you will settle in, and everyone will feel comfortable and at home before long.

The post Tips for moving with pets appeared first on Life Lanes.

Source