Pinay WAHM

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ We get a lot of junk mails in our mail box on a daily basis. A lot of them are offers for insurance. Yesterday we got one for car insurance that just made us laugh out loud. Why? It says that it can save us a lot of money. That’s not the funny part though. The annual savings they quoted was higher than what we’re paying our insurance company for a whole year. In other words, if we take their offer, they will be paying US instead. I guess we can make money out of them then, eh? Anyway, we are always on the look-out for a cheaper car insurance . We pay our current car insurance company every six months instead of annually so we can easily switch if we come across something better. We learned our lesson already so we ask different companies for car insurance quotes on a regular basis. I think that’s the best way to do it to be assured that we’re not being taken. We thought we had the best deal for our car insurance a few years ago but we realized t...

~~~~~~~~~~~~~~~~~~~~~~~~~~~~ That's how we spent our morning yesterday. We were almost late for my 8:15 Dr's appointment because we got up a wee bit late. I forgot to tell hubby [the early riser] what time the appointment was so he didn't get up until I did which was a little after 7. We're just on time so it all worked out fine. My appointment lasted for about an hour including the wait time. From the doctor's office, we went to have breakfast then ran some errands. On our way home, hubby pointed to me a car he fancies right now. He actually pointed it to me several time [everytime we passed by a dealer..LOL] which tells me he really LIKES the car. We only have one car right now because a second one will be a waste of money since it will only be sitting in the garage because SOMEONE [ehem!] still doesn't know how to drive. Hubby doesn't know how much exactly is the car he likes so he went online as soon as we got home to check the price. It's not too ba...

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Back when I was living in another country and when I was still single, the only things I worried about were rent and groceries and shopping. Seriously, I did not have a car to worry about or a mortgage to pay. In other words, I had a pretty easy life not worrying about these things. Well, life has changed. I am now married and I live in a place where insurance is a primary need. Home insurance is one that we need to get just in case something unwanted happens. This certain insurance should include flood, earthquake, and hurricane coverage. But if there is one insurance that we all need, it’s Car Insurance . This is because a car accident has a bigger chance of happening as compared to a hurricane or a fire. As soon as a person drives away, accidents can happen. But with all the insurance companies that offer car insurance, which one should we choose? It seems that each insurance company is always claiming that they have the best insurance coverage. Who has...

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ Back where I grew up, life is really simple. Majority of the people in our community did not have bank accounts, credit cards, insurance policies or a vehicle of their own. This is still true up until today. People there still pay everything in cash or get small credits in variety stores if they don’t have the money. People there thrive and they only worry very little. That is the kind of life that I really want, simple and worry-free. But I am no longer in that place and where I am, life is much more complicated. I guess complication came from the fact that I grew up. Since I grew up and I now live in a place where life is so different, I need to do some adjustments if I want to survive. Things are done differently where I am right now. Like the need for Credit Cards . Yes, I use ‘need’ because I was told it’s important to have a good credit history. Aside from credit cards, car insurance is another must-have nowadays. Of course since we drive our...

One of the things that some professionals like doctors, lawyers and others take for granted is getting a disability insurance . Why is that? For one, a lot of them believe that they don’t need any disability insurance because they are healthy. So when something happens, they are caught off guard. The problem is they tend to forget that their income is their biggest asset. So once they are disabled and cannot afford to work for some time, they also put their lives in jeopardy. A good example is my former co-teacher whose husband is a doctor. The husband was very healthy but he got into a motorcycle accident. As a result of the accident, he was sidelined for a few months. He’s very thankful though because the hospital he works for gave him some disability insurance information months before the accident. He was able to apply for one prior to the accident. So during the time he was recuperating, he did not have to worry about lack of income because the insurance covered his income. One p...