Wednesday, January 23, 2013

Life insurance: a must have for everyone

Final expense life insurance is designed for a specific need. The face value of a life insurance policy is paid to the policyholder's beneficiary at the time of death. In most cases, the money is received by the beneficiary on a tax-free basis, and no additional fees need to be paid. The beneficiary can use the money to pay the policyholder's final expenses such as funeral costs.

By covering funeral related costs the financial burden is removed from the equation and guarantees expenses will be paid without any money coming out of your loved ones' pocket. The average cost of funerals today are higher than $9,000. For just pennies on the dollar, life insurance is affordable for everyone.

To put the cost of life insurance in perspective, anyone who has TV can afford life insurance. If you drive a car, you can afford life insurance. If you have a cell phone, you can afford life insurance. If you have children, you can afford life insurance. The money spent on holidays: candy, meals, gifts, decorations over time are much higher than the cost of life insurance. Are you a smoker? If yes, you can afford life insurance.

While the price of food, fuel, utilities increasing and our budgets shrinking, life insurance premium is guaranteed to remain the same. Final expense insurance will give you peace of mind knowing the most expensive bill you are leaving behind for your family will be paid. If you live paycheck to paycheck, chances are your next of kin will be too. Where are they to get the money to pay for death expenses?

Placing that multi-thousand dollar bill on your family could catapult them into financial ruin. Experiencing the death of a loved one is highly emotional. Without a financial plan in place decisions are made that are not exactly how you or your family would have wanted if a plan had been in place initially.

There are many reasons to benefit from owning a life insurance policy. I cannot think of 1 logical reason not to have a policy. The application process takes lesser amount of time than it does to grocery shop or watch a movie. In a just a few minutes you can be qualified and enrolled. Its that simple and that smart.

So why aren't you covered?

Trisha M. Pacenti RN,BSN

Wednesday, January 2, 2013

Prevent passing disease causing germs..IT'S EASY

The winter season has officially begun. With that in mind, so is flu and cold season. If you have been vaccinated by the flu vaccine, you may still contract the flu virus but suffer lesser symptoms. The flu and cold virus have a strong exterior membrane that allows the virus to survive for a long period of time on dry surfaces and still be virulent enough to cause illness.

The first and proven line of defense of preventing the spread of germs is to simply wash your hands.  To ensure you have washed the germs from your hands sing the "Happy Birthday" song. In the time it takes to sing the song you will have thoroughly cleansed your hands. Remember to scrub under the fingernails.

Our hands pick up any germs the skin comes in contact with; an object or handshake. By touching any surface with your hands you have now picked up micro-organisms  lining the surface of that object. Your eyes, mouth, and nose are lined with fragile mucous membranes. They are an easy way for microbes to enter the human body and cause infection. Mucous membranes are like a dry sponge soaking up water. The microbes I am referring to are viruses and bacterium.

The power behind the human sneeze has been recorded at greater than 100 mph.  An uncovered sneeze can propel mucus membranes saturated with disease causing germs clear across a room. The ventilation within the room will aid in further spreading of the mucous membranes and microbes.  Any one around will then be exposed to your germs. Either by inhalation or by touching an object the germs has settled upon.

Always, always cover your sneeze with your the bend of your arm: sneezing into your elbow.

Be cognizant of your actions. Wash your hands frequently. Carry hand sanitizer. Cover your cough. Cover your sneeze. Practicing these very simple acts of hygiene will keep yourself and fellow human  counterparts healthy!

Good health,
Trisha M. Pacenti RN,BSN