7 INSURANCE POLICIES YOU DON’T NEED
There are many types of insurance that are wise to have, like health, dental, homeowners, life, and auto insurance. But for every worthwhile type of insurance, there’s one that most people can do without. Here are seven insurances you’d be better off canceling. Private Mortgage Insurance: If you’re buying a house and your down payment is less than 5% and you fail to make your payments, this policy pays off — but it pays the lender, not you. If you have 20% equity in your home, cancel this insurance. Mortgage Life Insurance: If you die, this policy pays off your remaining mortgage balance, but it goes to your lender, not your surviving family. Switch to a term life policy instead. Flight Insurance: The odds you’ll die in a plane crash are low enough that this insurance is unnecessary. Even without this coverage, if your plane crashes and you die, the airline is still likely to compensate your family. Accidental Death: You just need enough life insurance to provide for your family no matter the cause of your death. They don’t need more money because you die in an accident instead of by illness. Proving accidental death can be difficult, too.
Cancer Insurance: It’s the same as the above; you want life and health insurance that pays out regardless of the diagnosis behind your death. Credit Insurance: This pays off your credit cards when you die, but it’s extremely expensive. You shouldn’t be carrying balances month to month anyway, and cards in your name don’t automatically become your family’s obligation. Children’s Life Insurance: You don’t need a separate policy on each child. Instead, add a child rider to your own life insurance policies. It’s inexpensive and should provide enough to cover final expenses. Take the time to look at your plans and determine what makes sense to keep paying for you and your family. You’ll likely find surprising places to save.
SPOOKY STRAWBERRY GHOSTS
take a break
INGREDIENTS
• 16 oz white chocolate, chopped • 24 strawberries • 1 package mini dark chocolate chips
DIRECTIONS
1. In a microwave-safe bowl, heat the white chocolate at 50% power for 30 seconds. Remove it and stir, then repeat the process until melted. 2. Lay out a sheet of parchment paper. 3. One by one, dip the strawberries into the melted white chocolate and set them on the parchment. Allow the extra chocolate to pool to form a “tail” effect. 4. Before the chocolate coating fully cools, add three mini chocolate chips to each berry to form two eyes and a mouth. 5. Let chocolate set, then serve your spooky snacks!
Inspired by Candiquik.com
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