Financial Fridays – Life Insurance

Many people are suspicious when they hear life insurance. Images of sheisty salesmen similar to the car salesman that will sell you junk at a high price comes to mind more often than not. Before I dispel some of that information I want to share that it’s Life Insurance Awareness Month. I just found out it’s a thing yesterday.

I’m glad it is a thing because we need the facts on life insurance so we can make educated decisions when (not if) we purchase life insurance. Note to the hecklers, life insurance is least expensive when you’re young and healthy.

Many people mistakenly purchase life insurance believing they only need enough for burial. When the idea of life insurance came about there was no such thing as funeral expenses. Life insurance was created as an income replacement in the event the husband died unexpectedly. The widow left behind doesn’t have to work and can still manage the household and child(ren) without becoming destitute.

How many of you have insurance on your electronic devices? Why do you insure objects? For those of you with some life insurance: are you fully covered or covered enough to get buried? Would you underinsure your home? Would you underinsure your car? Why would you feel ok with underinsuring your life with too little or no life insurance?

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5 Goals For 2016

I recognized this morning

that I must change how I perceive life around me in order to change life around me. I’ve read it on websites and heard people say it, but when I woke up this morning it clicked. Like a long awaited answer to an irritating problem. So I started writing down things I want to do in 2016 that will help me grow as a person and as a writer.
1) Attend the Writer’s Digest Philadelphia Writing Workshop on April 9, 2016
2) Attend the AAMBC Awards, June 10-12, 2016 in Atlanta, Ga.
3) Attend the annual Roots Picnic concert in July 2016 in Philadelphia, PA
4) Attend the Harlem Book Fair in Harlem, NY in July 2016
5) Attend the Essence Music Festival in New Orleans, LA in July 2016.

Just writing this list gave me butterflies so I know I can accomplish this.

The Harlem Book Fair 2016 On My Bucketlist!

spiral bookcase

I found out about the Harlem Book Fair in 2013, by accident of course. Upset that I hadn’t known about it sooner I became captivated by the amazement of what I read online and vowed to go. All of the authors in an open marketplace setting so you can browse and purchase to your budget’s content. Imagine, a book fair that lasts three whole days and in HARLEM of all places?! It’s a book reader’s/writer’s dream!

book in grassI spent so much of my childhood and early adulthood discovering amazing stories by wonderful authors. When I became a mother I wanted to pass that love of reading down to my children. Expose them to a world of exploration and wonder. So once I found out about a massive, weekend long book fair in Harlem, NY I made it my goal to attend. Imagine the authors I’d meet! I had always dreamed of meeting some of my favorite authors at an event like this. Stephen King, Patricia Cornwell, Terry McMillan, Zane, Michael Baisden and such. Even though the possibility of those authors being at the book fair are slim to none (a girl can dream can’t she?).

Since I haven’t quite made it to the Harlem Book Fair for this year (it’s happening now) I have made it my goal to make my preparations now so I can attend next year. I have also found out about a few other book fairs going on across the country. And I do miss traveling. So guess what else is going on my to do list for next year? You guessed it! Travel time – I’m planning to attend at least two other book fairs next year in addition to the Harlem Book Fair. I hear the ones in Baltimore, MD and Atlanta, GA are hot spots also. Time to get my read on so I can get my book fair on! opened books on a blanket