Tagged: driving

How to spot a walkable neighborhood

Strolling to a cafe for breakfast, walking around the corner to yoga—isn’t that the life? Before you buy or rent, here’s how to suss out whether a neighborhood you’re interested in will let you get out from behind the wheel. See what locals have to say. On every Neighborhood page on Trulia, you’ll find What Locals Say ratings. These […]

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Live Right, Save Money, Be Happy

Here are some of the tried-and-true methods, along with benefits unique to each approach.

See dentists and doctors regularly

No one likes medical surprises in the form of emergency dental or medical attention. Working adults who neglect doctor and dentist visits are taking serious risks.

Living right and staying healthy means getting the medical attention you need, and getting it routinely. Especially after the age of 50, it's smart to have a full medical exam once per year. There's a reason medical coverage typically reimburses in full for annual check-ups and twice-yearly dental exams. Carriers would much rather pay for a relatively inexpensive wellness exam or check-up than fork over a sizable sum of money for long-term treatment regimens that could have been avoided with preventive care.

Buy life insurance

Purchasing life insurance does two very important things. First, it allows you to provide for your family's financial needs after you're gone. Second, if you get permanent coverage, like a standard whole life policy, you can sell it if you ever need money in an emergency, or for any reason at all.

There's genuine peace of mind that comes with knowing your loved ones are protected from financial stress after you pass away. And if you face unexpected bills and need a ready source of funds, you can simply go online and get several estimates on the sale price of your whole life policy.

The process is fast and simple. Plus, when you sell your life insurance policy, the only amount of the proceeds that are taxable are those that exceed the tax basis (the total amount of premiums you've paid to date). Selling can be a very wise move, too—often, when one spouse passes away, when there's a dire need to pay unexpected medical or other kinds of bills, or the premiums become too high.

Learn how to relax

Stress has the potential to cause medical problems, but it also can make you miserable. The good news is that there are effective ways to beat stress and minimize its effects. Learning to meditate or taking part in guided relaxation sessions are two popular strategies. Regular exercise, stretching, and yoga are other choices that many people find satisfying for keeping stress at bay.

Get enough sleep

When you get between seven and nine hours of sleep per night, it's much easier to wake up refreshed and feeling good every morning. Having the inner calm and physical relaxation that comes with regular, restful sleep means being able to take on the day with a positive outlook and a body that's ready to withstand 16 hours of activity. When you realize that sleep is part of your lifestyle, it's easier to make a commitment to get the amount you need.

Know what PMA stands for and learn to have one

There's an entire industry based on the concept of PMA, or positive mental attitude. Classic books about winning friends, influencing people, and simply thinking in order to grow rich point to the immense power of the human mind.

Of course, maintaining a positive attitude is easier said than done. It takes effort, patience, and persistence. But once you decide to cultivate a PMA, you're already finished with the first step of the journey. The upside is that there are hundreds, perhaps thousands, of books and no-cost online videos about how to create a positive outlook and attitude. The rewards are measurable and real and include things like being able to sleep more soundly, handle life's challenges more adeptly, and find solutions in the face of adversity.

Eliminate the negative

As the classic tune from the 1940s suggests, it helps to eliminate the negative and accentuate the positive. Those timeless words of wisdom contain some potent advice. One way to make your life better is to say goodbye to destructive, negative forces, habits, and ways of thinking.

What does that mean for everyday people who seek self-improvement? It means they have plenty to gain from banishing harmful behaviors like smoking, drinking too much alcohol, taking part in dangerous sports like cliff diving, base jumping, and amateur race driving.

That's not to say there's anything wrong or with those activities when you do them in moderation and with appropriate safety measures in place. But they carry enough risk to make insurance carriers raise rates or flat out deny coverage to participants. So, if you have the desire to purchase an insurance policy that pays a death benefit to someone when you pass away, steer clear of extreme sports and risky hobbies.

Take the time to plan

Planning, both long- and short-range, gives you options and advance warning about financial and other types of problems. Consider making written, detailed plans about buying a first home, your career path, educational goals, relationship goals, whether you want to have a family or not, long-term care insurance, etc. Planning makes things real and attainable. A lifestyle that incorporates planning is a sustainable, rewarding one.

More money, less happiness: When money makes you miserable

More money, less happiness: When money makes you miserableMoney, the conventional wisdom says, doesn’t buy happiness. Modern psychology seems to back this up, with studies suggesting that beyond an income of $75,000, money doesn’t make you any happier.

This conclusion is simultaneously obvious and counter-intuitive.

As an abstract principle, most us acknowledge that money doesn’t buy happiness. But, at the same time, we all want more of something material — a nicer house, nicer vacations, the ability to live in a certain neighborhood or eat at fancier restaurants — that we think would make us happier. (If you’re J.D., you think maybe season tickets to your favorite team might make you happier.)

Looking for Auto Insurance? Here Are 6 Things You Need to Know

Let’s get one thing out there: no one is especially psyched to get car insurance. You get it because it’s a financial safeguard against damage to your car or injury to you or others (and maybe because it also happens to be legally required in some form nearly everywhere in the US). Car insurance is… Read More

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