SMART STRATEGIES HOW TO LOWER YOUR LIFE INSURANCE PREMIUM The desire to cut costs and reduce payments is entirely understandable in the current economic climate, where expenses are soaring. However, one area where cutting corners may not be advisable is life insurance. A life insurance policy provides a crucial sense of security, ensuring that your loved ones and family will be financially supported if anything happens to you. While it is tempting to cancel or postpone setting up a life insurance policy, there are ways to manage and lower your premium. Insurance premiums are determined based on risk categories, ranging from highest risk to lowest risk, which include Standard, Standard Plus, Preferred, and Preferred Plus. To secure a better rating and a lower premium, consider the following tips. DON’T DELAY Life insurance is not exclusive to older adults, and applying for a policy at a younger age can lead to lower premiums. Insurance companies often offer more favorable rates to young and healthy individuals. QUIT SMOKING Smokers face an increased risk of various health issues, impacting their life insurance premiums. If you're a smoker, quitting can
Grow Your Green Thumb This Spring A Spring Gardening Guide Spring is in the air; the chirping birds and warm air call you outdoors. It’s the perfect time to start your garden. Even as a beginning gardener, you can find plants and flowers to bring you joy throughout the summer. Carrots and radishes are quick, easy, and grow well in most areas. Carrots are versatile veggies great for snacking and cooking; even your dogs will love them! They need to be planted early, though, as they take about three months to germinate. Radishes are cool-season vegetables you can start indoors and plant outside after the last frost. Other vegetables can also be started from seed indoors in late February to early March. Try cabbage, kale, broccoli, cauliflower, onions, leeks, endive, and lettuce. Later, in mid to late March, you can start peppers, tomatoes, eggplant, Swiss chard, and tomatillos indoors. Wait to plant your seeds and seedlings in the ground until two weeks after the last frost. Some early cold-tolerant vegetables, like cabbage, broccoli, and head lettuce, can go in the ground early to mid-March. Heat-loving plants like peppers, okra, and eggplant that grow slowly can also be planted in March. Tomatoes are the stars of many gardens. It is best to wait until early April to plant them, though. They are like Goldilocks and prefer everything just right — not too cold or hot. We can’t talk about gardening without giving a few helpful tips for adding color. Plant hydrangea, aster, pansy, sweet peas, garden mums, and Oriental lilies in the spring to invite pollinators and provide blooming color throughout the summer. Spring bulbs, like crocus and daffodils, are the first to bloom. Sometimes, they will even bloom when there is a bit of snow on the ground. But it is best to plant bulbs in the fall so they have time to settle in their roots. A gardener’s best friend is the USDA Hardiness Zone Map. Since most states include three different growing zones, it is a handy resource to choose the best plants for your area. The website at PlantHardiness.ars.usda.gov has a wealth of information, including tips for easy maintenance. So, grab your gloves, get your seeds, and enjoy watching your garden grow!
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