Friday, Friday, Gotta Get Down with Friday!

charlotte989875 · March 2018

Happy Friday All! I'm working from home today (with the dog for National Puppy Day). H and I are going to see 8 houses this evening, and we're taking off early from work to do so. There are some we're pretty excited about, so hopefully one will work. Then out to dinner.

Tomorrow is my Goddaughter's Birthday Party!! I can't believe she is one already. I have no idea where this year went.

VarunaTT · March 2018

I am so glad it's Friday.

Does anyone know how much snot the human body can actually hold? I'm worried my head and chest might explode from all of the allergy inspired snot. Oh spring, I'm so happy to see you, but you can never tell if they're tears of joy or tears from allergies.

This weekend is K's home opening roller derby game. We're supposed to go to a drag pageant tonight, but I might have to tap out if this allergy stuff doesn't clear up.

Last night, I helped form a $70K budget for the community center. Our last budget was from 2014 and was for $15K. I definitely had a mild panic attack last night and imposter syndrome flared WAAAAAAAAAY up. I'll either be the board president that flipped everything for the better or the board president that made it fold. Time will tell, I guess.

Then I had the first criticism on our Pride theme. I knew it would happen and I'm not upset about it at all, but working on dealing with it this morning. Just one of those things.

I'm hoping to get some down time this weekend. I need it.

short+sassy · March 2018

Yay National Puppy Day! @charlotte989875, seeing EIGHT houses today! Whoa, that is a lot. Hopefully there will be a few contenders. I know the supply has been pretty disappointing, so far.

Also very glad today is Friday, which are my half days. I have been feeling run-down and sleep deprived all week. I need a couple days to sleep in and recuperate. I'm sure I'll also take a nap this afternoon, lol.

One of my ranty tenant problems from earlier in the week got positively resolved yesterday. She was the one who had fraud on her pay card and I had started doubting her story, because almost two weeks had gone by and she hadn't gotten her replacement yet. I called her Wed. night and she had gotten her replacement card that day. I made arrangements to pick up what I was owed Thurs. night. Everything went smoothly and I was paid in full. Phew! Of course, her full rent is due again in one more week. I know she'll be late like she always is but, hopefully, it will be back to the "usual" only 7-10 days late, smh.

My other problem tenant deposited money into my account yesterday. Less than I was expecting, she is still almost $500 short. "Supposedly" that is coming on the 2nd. I know that is one of her daughter's (an adult also living there) paydays, so we'll see. She also knows we have the option to start eviction proceedings any day, so it will probably happen. But there is really nothing I can count on with her. She's the one we are also going to file a 30-Day Notice to Vacate on, once we get at least the majority of the money that is due. But we know we won't get another red cent once we serve her with that, so we are biding our time. It's a gamble. It could bite us in the a$$. But the thought that, whatever way you slice it, we won't be dealing with her and all her excuses much longer is perking our spirits, lol.

levioosa · March 2018

Omg he is precious, @charlotte989875! Have fun at the party this weekend!

You’ve got this, @VarunaTT! I hope you feel better!

It’s our five year anniversary today so we’re going out to the one fancy place in town. I’m not sure if we’ll stay out there afterwards and hang out, but I’m looking forward to a nice dinner.

Otherwise, SSDD. Im going to do some stuff around the house, study, and hopefully get to the gym.

charlotte989875 · March 2018

short+sassy said:

Yay National Puppy Day! @charlotte989875, seeing EIGHT houses today! Whoa, that is a lot. Hopefully there will be a few contenders. I know the supply has been pretty disappointing, so far.

Yeah, it's a lot (maybe too many) but we're checking out a new area tonight. Not really new, H grew up around there, but new to our searches. We're not super happy with our agent (but really is anyone ever really happy?), she's forgetting houses we send to her, she has limited availability, but she comes highly recommended so we're hoping we just find the house soon.

charlotte989875 · March 2018

levioosa said:

Omg he is precious, @charlotte989875! Have fun at the party this weekend!

You’ve got this, @VarunaTT! I hope you feel better!

It’s our five year anniversary today so we’re going out to the one fancy place in town. I’m not sure if we’ll stay out there afterwards and hang out, but I’m looking forward to a nice dinner.

Otherwise, SSDD. Im going to do some stuff around the house, study, and hopefully get to the gym.

Thanks! He's the sweetest pup.

Happy Anniversary!! Hope you guys have a nice night out!

TrixieJess · March 2018

VarunaTT said:

I am so glad it's Friday.

Does anyone know how much snot the human body can actually hold? I'm worried my head and chest might explode from all of the allergy inspired snot. Oh spring, I'm so happy to see you, but you can never tell if they're tears of joy or tears from allergies.

This weekend is K's home opening roller derby game. We're supposed to go to a drag pageant tonight, but I might have to tap out if this allergy stuff doesn't clear up.

Last night, I helped form a $70K budget for the community center. Our last budget was from 2014 and was for $15K. I definitely had a mild panic attack last night and imposter syndrome flared WAAAAAAAAAY up. I'll either be the board president that flipped everything for the better or the board president that made it fold. Time will tell, I guess.

Then I had the first criticism on our Pride theme. I knew it would happen and I'm not upset about it at all, but working on dealing with it this morning. Just one of those things.

I'm hoping to get some down time this weekend. I need it.

My stepmom looked up how much the human body produces, and it's about a litre.

We are getting rid of the little man for the whole day tomorrow. FI got asked to work for a couple of hours so I'm going to go for a manicure to kill time before we go out to dinner.

ShesSoCold · March 2018

I hope you get your needed down time, Veruna!

Such a cute little lady, Charlotte!

S&S, you are WAY more patient that I. Don't fuck with me and my money.

Happy anniversary, Levioosa!

DLE just called her internet company because her phone suddenly isn't automatically connecting to the Wifi. I wish I could have heard the other end of the convo with the person telling her this was an issue with her phone.

I've gotta get a cavity filled tomorrow and H is finishing his thigh tattoo. So he'll be whiney and useless all week. My sister needs him to help her get a fridge from my dad (ASAP before he gives it to someone else) and I'm pushing him to get it tomorrow morning before his tattoo appt.

6fsn · March 2018

Max is running crazy at the science center. I'm watching the other moms with strollers, carriers, big pregnant bellies, and tons of kids. I'm so glad I'm not them anymore.

I'm actually in a REALLY good mood today. I did my longest run ever last night- 4 whole miles, but I'm kind proud it was under 39 minutes. I weighed in this morning at 149.6. I don't remember the last time I was in the 140s. Then I put on pants:)

Work is in a really good place.

The weather for the weekend has cleared up nicely too. There's still a chance of rain, but at least no snow for this tournament.

OliveOilsMom · March 2018

Charlotte - If your doggy could talk, she was saying "Please mom, no more selfies with me!" She is giving some doggy side-eye - that is for sure! My Olive gives doggy side-eye all the time!

Varuna - What is your pride theme? Hope you are able to rest and your allergies clear up!

Leviosa - Happy Anniversary!

Trixie - Woohoo - Kid-free day!

Last night was good. DD was a delight because she had 2 well timed naps yesterday. Good job Dad! I made the creamy gnocchi and chicken soup in the Instant Pot. Turned out pretty good. I will tweak it a little next time. DD loved it, except for the escarole I put in! She just played with that!

Tonight I'm going to try a new yoga studio. I'm hoping this Friday night class will work well into our schedule. I'm just tired of giving up my Saturday morning time with DD and H to yoga. So this class should fit in well and is only another mile or so in the other direction from my normal studio. I should also get home in time to say good night to DD.

Saturday morning is the Amish mart and then my BFF's son's birthday party at 3. That will push church to Sunday morning. Not sure what else is planned.

Happy Weekend All!

MissKittyDanger · March 2018

@charlotte989875 Thanks for the title ... now the song is in my head lol Happy bday to your Goddaughter!
Yay puppers!

M and I have been talking wills. We're probably doing it next year, closer to when I go back to work.
We decided to go forward sooner than later, just more as an 'in case' but also so our wishes are in legal writing. M and I both know each other's wishes, but there's always that off chance moment.

We've decided that my BFF and her hubby are going to be guardians of BabyKitten. We opted for outsider since we don't wanna choose family - plus M only has a brother and he's still in school right now and idk how long he's in school for tbh. Even though I don't have a sibling, we opted this is just easier. M likes my BFF and her Hubby anyways

I saw RMT last night. Narrowed down pain problems. More issues on left hip area, and body compensating with right shoulder/ribs. So I'm off balance.
She said I could come back in 2 weeks, but I mentioned I wanna see how long this helps. She mentioned I may have issues after baby, but hard to say. It's 100% because BabyKitten is pulling everything forward. If there's long term issues, she advised a chiropractor to readjust.

We'll see how this goes, but I definitely slept better last night than I have in awhile!

Weekend plans
Saturday - hopefully my uncle coming to help M move stuff from bedroom to basement. Going over him painting. Probably start some cleaning as well.

Sunday - M wants to go to range. I asked him to work on the work bench also since we have time. Ideal world, he does it on both days since it won't take long with my uncle.

Suppose to get really nice soon, so I'm excited

kvruns · March 2018

Nothing much planned for the weekend. Supposed to take baby B to an Easter Egg Hunt but it just got postponed to next weekend since we are expecting 3-8" of snow tomorrow. There is also a baby consignment sale I wanted to hit but guessing that is out as well.

I thought about either getting a massage or going out to lunch today for my lunch break but instead I ate the sandwich I brought sitting at my desk. I want to leave early to get in a workout. One of these days I want to run again - I miss being a runner

short+sassy · March 2018

charlotte989875 said:

short+sassy said:

Yay National Puppy Day! @charlotte989875, seeing EIGHT houses today! Whoa, that is a lot. Hopefully there will be a few contenders. I know the supply has been pretty disappointing, so far.

Yeah, it's a lot (maybe too many) but we're checking out a new area tonight. Not really new, H grew up around there, but new to our searches. We're not super happy with our agent (but really is anyone ever really happy?), she's forgetting houses we send to her, she has limited availability, but she comes highly recommended so we're hoping we just find the house soon.

I remember you talking about that and was suspecting that is why there were so many homes you all are seeing tonight .

I actually really like my agent. But, I do have to say, when I first started with her, she was newish in the industry. She had lots of time for me and could be flexible with my schedule. Over time, she's been doing kick-a$$ as an agent! Which I'm thrilled for her, because she deserves it. But, now that she's busier, she has less flexibility. She isn't quite as prompt getting back to me, but does always get back to me within 1-2 days, so still nothing to complain about.

The other thing great about her is, because we've worked together a few years and she knows me, if a house is unoccupied and just has a lockbox she'll give me the code. That way, I can swing by at my own convenience. I suspect I'm a very low maintenance client for her, lol.

6fsn · March 2018

@misskittydanger im just curious why you are putting off the wills for a year. You'll have a kid before then.

MissKittyDanger · March 2018

@6fsn Mostly because it's not cheap.
We've gone over budget while I'm on mat leave and I have money saved up, but we wanna wait until after xmas and ensure no weird expenses come up - I'm convinced xmas time is cursed since that's when random expenses have come up before lol
Sadly, in comparison to a lot of people I know {who are older} we're really early.

TrixieJess · March 2018

MissKittyDanger said:

@charlotte989875 Thanks for the title ... now the song is in my head lol Happy bday to your Goddaughter!
Yay puppers!

M and I have been talking wills. We're probably doing it next year, closer to when I go back to work.
We decided to go forward sooner than later, just more as an 'in case' but also so our wishes are in legal writing. M and I both know each other's wishes, but there's always that off chance moment.

We've decided that my BFF and her hubby are going to be guardians of BabyKitten. We opted for outsider since we don't wanna choose family - plus M only has a brother and he's still in school right now and idk how long he's in school for tbh. Even though I don't have a sibling, we opted this is just easier. M likes my BFF and her Hubby anyways

I saw RMT last night. Narrowed down pain problems. More issues on left hip area, and body compensating with right shoulder/ribs. So I'm off balance.
She said I could come back in 2 weeks, but I mentioned I wanna see how long this helps. She mentioned I may have issues after baby, but hard to say. It's 100% because BabyKitten is pulling everything forward. If there's long term issues, she advised a chiropractor to readjust.

We'll see how this goes, but I definitely slept better last night than I have in awhile!

Weekend plans
Saturday - hopefully my uncle coming to help M move stuff from bedroom to basement. Going over him painting. Probably start some cleaning as well.

Sunday - M wants to go to range. I asked him to work on the work bench also since we have time. Ideal world, he does it on both days since it won't take long with my uncle.

Suppose to get really nice soon, so I'm excited

The most difficult part of rewriting our wills was who we would have as guardians for our son. It was a very difficult decision but we chose a couple that we are close to and we feel comfortable with.

charlotte989875 · March 2018

short+sassy said:

charlotte989875 said:

short+sassy said:

Yay National Puppy Day! @charlotte989875, seeing EIGHT houses today! Whoa, that is a lot. Hopefully there will be a few contenders. I know the supply has been pretty disappointing, so far.

Yeah, it's a lot (maybe too many) but we're checking out a new area tonight. Not really new, H grew up around there, but new to our searches. We're not super happy with our agent (but really is anyone ever really happy?), she's forgetting houses we send to her, she has limited availability, but she comes highly recommended so we're hoping we just find the house soon.

I remember you talking about that and was suspecting that is why there were so many homes you all are seeing tonight .
I actually really like my agent. But, I do have to say, when I first started with her, she was newish in the industry. She had lots of time for me and could be flexible with my schedule. Over time, she's been doing kick-a$$ as an agent! Which I'm thrilled for her, because she deserves it. But, now that she's busier, she has less flexibility. She isn't quite as prompt getting back to me, but does always get back to me within 1-2 days, so still nothing to complain about.
The other thing great about her is, because we've worked together a few years and she knows me, if a house is unoccupied and just has a lockbox she'll give me the code. That way, I can swing by at my own convenience. I suspect I'm a very low maintenance client for her, lol.

Yeah, that definitely makes sense. I think we're a little high maintenance, to be honest. And we have changed our preferences, so some of it is us. But we will give her a few houses (even before our big list of 8) on Monday and it will be Friday before she has anytime for us. Homes are going over asking and in a few days here so having to wait all week sucks. And it super bugs me when she shows up 10 minutes late to a showing (and there are showings before and after) without calling or texting.

short+sassy · March 2018

6fsn said:

@misskittydanger im just curious why you are putting off the wills for a year. You'll have a kid before then.

Agreed! It's great you all are already thinking in that direction but, with life changing events, come the preparations that are better done beforehand .

Not to be morbid, but also think about life insurance. For both you and your H. If you all already have it, great. But check if the current coverage would still be adequate, now that there is going to be a young child in the equation. If you all don't have any, get some! Sometimes people make the mistake of only insuring the breadwinner and/or underinsuring the partner who either doesn't work or makes less money. But, there can still be a tremendous cost in extra childcare, if one parent passes. Think about each eventuality and how that would affect the spouse left behind. Or, God forbid, if both parents died at the same time.

charlotte989875 · March 2018

short+sassy said:

6fsn said:

@misskittydanger im just curious why you are putting off the wills for a year. You'll have a kid before then.

Agreed! It's great you all are already thinking in that direction but, with life changing events, come the preparations that are better done beforehand .
Not to be morbid, but also think about life insurance. For both you and your H. If you all already have it, great. But check if the current coverage would still be adequate, now that there is going to be a young child in the equation. If you all don't have any, get some! Sometimes people make the mistake of only insuring the breadwinner and/or underinsuring the partner who either doesn't work or makes less money. But, there can still be a tremendous cost in extra childcare, if one parent passes. Think about each eventuality and how that would affect the spouse left behind. Or, God forbid, if both parents died at the same time.

Also not to be morbid, but for the little one also.

kvruns · March 2018

charlotte989875 said:

Yeah, that definitely makes sense. I think we're a little high maintenance, to be honest. And we have changed our preferences, so some of it is us. But we will give her a few houses (even before our big list of 8) on Monday and it will be Friday before she has anytime for us. Homes are going over asking and in a few days here so having to wait all week sucks. And it super bugs me when she shows up 10 minutes late to a showing (and there are showings before and after) without calling or texting.

Both of those things would be reasons for me to find a new agent, especially waiting a week to see a place in a hot market

edit: I'm sure you have some sort of contract with her for a certain time period but I would hope you could get out of it for poor performance.

MissKittyDanger · March 2018

@TrixieJess Right!? I was always going to suggest my BFF and her hubby, but I think it really solidified it when we were there in the summer and M got to see how they are as parents of 4 kids.
Non-family was an easier decision for us.

ShesSoCold · March 2018

I definitely agree with S&S and Charlotte regarding life insurance.

You can have a child rider added to most policies (even term) for a minimal cost.

I used to work in life insurance and we'd do permanent policies for babies for like $100 a year for $100,000. Then the baby would have this coverage and tiny little premium forever.

Also, I haven't done it yet, but my company offers legal coverage through a company called LegalShield and they do wills. You can sign up and cancel any time so our plan is to enroll, get our will done and cancel it. Individual, non-group rates are only like $25 a month. ETA - I'm sure there's cons to doing this and I know we have posters here who work in legal and I'm interested in their thoughts on things like this.

TrixieJess · March 2018

charlotte989875 said:

short+sassy said:

6fsn said:

@misskittydanger im just curious why you are putting off the wills for a year. You'll have a kid before then.

Agreed! It's great you all are already thinking in that direction but, with life changing events, come the preparations that are better done beforehand .
Not to be morbid, but also think about life insurance. For both you and your H. If you all already have it, great. But check if the current coverage would still be adequate, now that there is going to be a young child in the equation. If you all don't have any, get some! Sometimes people make the mistake of only insuring the breadwinner and/or underinsuring the partner who either doesn't work or makes less money. But, there can still be a tremendous cost in extra childcare, if one parent passes. Think about each eventuality and how that would affect the spouse left behind. Or, God forbid, if both parents died at the same time.

Also not to be morbid, but for the little one also.

Also for this, you will need to change your life insurance to include your child and any guardians and benefactors.

MissKittyDanger · March 2018

short+sassy said:

6fsn said:

@misskittydanger im just curious why you are putting off the wills for a year. You'll have a kid before then.

Agreed! It's great you all are already thinking in that direction but, with life changing events, come the preparations that are better done beforehand .
Not to be morbid, but also think about life insurance. For both you and your H. If you all already have it, great. But check if the current coverage would still be adequate, now that there is going to be a young child in the equation. If you all don't have any, get some! Sometimes people make the mistake of only insuring the breadwinner and/or underinsuring the partner who either doesn't work or makes less money. But, there can still be a tremendous cost in extra childcare, if one parent passes. Think about each eventuality and how that would affect the spouse left behind. Or, God forbid, if both parents died at the same time.

No no. Not morbid! After my dad passed, my mum had to change her life insurance and her lawyer made her consider the possibility of something happening to me before her - which he put a clause in for that possibility.

We do have life insurance. Both jobs are waiting on little one to arrive to update it with proper birthdate for her. I have to make adjustments on life insurance anyways, and my work is waiting on arrival of baby before changing pensions and life insurance

MissKittyDanger · March 2018

TrixieJess said:

charlotte989875 said:

short+sassy said:

6fsn said:

@misskittydanger im just curious why you are putting off the wills for a year. You'll have a kid before then.

Agreed! It's great you all are already thinking in that direction but, with life changing events, come the preparations that are better done beforehand .
Not to be morbid, but also think about life insurance. For both you and your H. If you all already have it, great. But check if the current coverage would still be adequate, now that there is going to be a young child in the equation. If you all don't have any, get some! Sometimes people make the mistake of only insuring the breadwinner and/or underinsuring the partner who either doesn't work or makes less money. But, there can still be a tremendous cost in extra childcare, if one parent passes. Think about each eventuality and how that would affect the spouse left behind. Or, God forbid, if both parents died at the same time.

Also not to be morbid, but for the little one also.

Also for this, you will need to change your life insurance to include your child and any guardians and benefactors.

I'll be talking to my friend {and each other} in more details about that kinda deal, but ideal world we'd like to put any money into a trust for BabyKitten so that way if something happens - regardless one or both - that she can financially be helped. {school, etc}

TrixieJess · March 2018

ShesSoCold said:

I definitely agree with S&S and Charlotte regarding life insurance.
You can have a child rider added to most policies (even term) for a minimal cost.
I used to work in life insurance and we'd do permanent policies for babies for like $100 a year for $100,000. Then the baby would have this coverage and tiny little premium forever.
Also, I haven't done it yet, but my company offers legal coverage through a company called LegalShield and they do wills. You can sign up and cancel any time so our plan is to enroll, get our will done and cancel it. Individual, non-group rates are only like $25 a month.

Most insurance companies don’t recommend insuring children under 18. My work insurance covers accidental death of anyone in our family up to a certain amount and anything else we could convert the RESP for.

short+sassy · March 2018

charlotte989875 said:

short+sassy said:

I remember you talking about that and was suspecting that is why there were so many homes you all are seeing tonight .
I actually really like my agent. But, I do have to say, when I first started with her, she was newish in the industry. She had lots of time for me and could be flexible with my schedule. Over time, she's been doing kick-a$$ as an agent! Which I'm thrilled for her, because she deserves it. But, now that she's busier, she has less flexibility. She isn't quite as prompt getting back to me, but does always get back to me within 1-2 days, so still nothing to complain about.
The other thing great about her is, because we've worked together a few years and she knows me, if a house is unoccupied and just has a lockbox she'll give me the code. That way, I can swing by at my own convenience. I suspect I'm a very low maintenance client for her, lol.

Yeah, that definitely makes sense. I think we're a little high maintenance, to be honest. And we have changed our preferences, so some of it is us. But we will give her a few houses (even before our big list of 8) on Monday and it will be Friday before she has anytime for us. Homes are going over asking and in a few days here so having to wait all week sucks. And it super bugs me when she shows up 10 minutes late to a showing (and there are showings before and after) without calling or texting.

It's easier, because it's less emotional, to shop for a rental property as opposed to a personal home, lol!

Yikes . That is a big problem in a hot market. There have actually been a couple times, when I've seen a sensational good deal, and I'll frantically get in touch with my agent to put an offer in before I've even seen the inside (with normal contingencies in place). And I've still been too late! Or I want to set up a showing and it's already under contract. I hate that, lol.

One of the duplexes I bought was frantic like that. It was on an auction site that I admittedly had only been checking a few times a month. I happened to log in when I got home from work and saw that duplex with only a little over an hour left before the auction closed. I'm talking a mile a minute to my H while I'm showing him the pics on my screen. We hop in the car and I'm driving to the house, while he's trying to get in touch with my agent to get the lockbox code. We can't get in touch with her immediately and I'm like aaahh, aahhh, ahhh, lol. As we get within a few blocks of the house, she calls my H back.

She's still on the phone with him while we are fiddling with the boxes. For one of the units, the lockbox was broken and it was impossible to get into that side. So we peeked in the windows. But we were able to get into the other unit. We made it back home with less than 15 minutes to spare. There were a few bidders, but only ONE was hanging in there and bid the price up on me by more than $20K. Argh!! I wish he/she had the flu that day. That would have been unbelieveable to have gotten the house for $50K instead of $70K. Oh well. Especially since we spent about $20K in repairs, lol. Still an amazing deal for what it was.

short+sassy · March 2018

MissKittyDanger said:

short+sassy said:

6fsn said:

@misskittydanger im just curious why you are putting off the wills for a year. You'll have a kid before then.

Agreed! It's great you all are already thinking in that direction but, with life changing events, come the preparations that are better done beforehand .
Not to be morbid, but also think about life insurance. For both you and your H. If you all already have it, great. But check if the current coverage would still be adequate, now that there is going to be a young child in the equation. If you all don't have any, get some! Sometimes people make the mistake of only insuring the breadwinner and/or underinsuring the partner who either doesn't work or makes less money. But, there can still be a tremendous cost in extra childcare, if one parent passes. Think about each eventuality and how that would affect the spouse left behind. Or, God forbid, if both parents died at the same time.

No no. Not morbid! After my dad passed, my mum had to change her life insurance and her lawyer made her consider the possibility of something happening to me before her - which he put a clause in for that possibility.

We do have life insurance. Both jobs are waiting on little one to arrive to update it with proper birthdate for her. I have to make adjustments on life insurance anyways, and my work is waiting on arrival of baby before changing pensions and life insurance

Most workplace insurance policies are only AD&D* (Accidental Death and Dismemberment). Which for people like you all who are younger, might be okay.

But if one of you is diagnosed with a major and/or terminal medical condition, workplace policies won't cover a death resulting from that. Even if it is more on the "major" side, but not fatal, you'll probably have a hard time buying a term or whole policy or it will be insanely expensive as compared to what it would be to buy it now.

A lot of people don't recommend a policy for children, but what I just described is a good argument for it. My parents bought one of those Gerber Life policies when my sister and I were babies. And, at least for me, THANK GOD they did. I was diagnosed with Type I Diabetes when I was only 20. That Gerber policy is the only life insurance I have (other than an AD&D at work) or ever will be able to have. Technically, there are a few companies who would currently sell me a policy, but the rates are completely outrageous. The last one I looked at was $178/month for a $37K 20-year term. PUH-LEEZ. I'd be paying $10K more than the actual coverage over the entire 20 years. Without the diabetes for a woman my age, that probably would have been $20-$25/month.

*I've also heard horror stories (from a friend who is a life insurance agent, no less) that if a person is in a car accident but doesn't die on the scene. However, they die in the ambulance or later at the hospital from their injuries, NOPE, even that's not covered in many AD&D policies. The person has to literally die at the moment/scene of the accident. Not later on from their injuries.

At any rate, some caveats and things to think about while shopping for insurance. Insurance of any kind is always hard to figure out. Because you're often weighing the gamble of something unlikely to happen vs. being SOL if "X" event happens vs. real money FOR SURE coming out of your pocket every month for the gamble. It's a bit maddening!

MissKittyDanger · March 2018

@short+sassy We have that one plus another. I'd have to find my docs to double check, but I remember opting for the higher on life insurance because of the medical portion you mentioned. Honestly I opted for that part because my dad had a head injury and had to stop working. It's weird when you look at certain options because someone close to you experienced it.

TrixieJess · March 2018

short+sassy said:

MissKittyDanger said:

short+sassy said:

6fsn said:

@misskittydanger im just curious why you are putting off the wills for a year. You'll have a kid before then.

Agreed! It's great you all are already thinking in that direction but, with life changing events, come the preparations that are better done beforehand .
Not to be morbid, but also think about life insurance. For both you and your H. If you all already have it, great. But check if the current coverage would still be adequate, now that there is going to be a young child in the equation. If you all don't have any, get some! Sometimes people make the mistake of only insuring the breadwinner and/or underinsuring the partner who either doesn't work or makes less money. But, there can still be a tremendous cost in extra childcare, if one parent passes. Think about each eventuality and how that would affect the spouse left behind. Or, God forbid, if both parents died at the same time.

No no. Not morbid! After my dad passed, my mum had to change her life insurance and her lawyer made her consider the possibility of something happening to me before her - which he put a clause in for that possibility.

We do have life insurance. Both jobs are waiting on little one to arrive to update it with proper birthdate for her. I have to make adjustments on life insurance anyways, and my work is waiting on arrival of baby before changing pensions and life insurance

Most workplace insurance policies are only AD&D* (Accidental Death and Dismemberment). Which for people like you all who are younger, might be okay.
But if one of you is diagnosed with a major and/or terminal medical condition, workplace policies won't cover a death resulting from that. Even if it is more on the "major" side, but not fatal, you'll probably have a hard time buying a term or whole policy or it will be insanely expensive as compared to what it would be to buy it now.
A lot of people don't recommend a policy for children, but what I just described is a good argument for it. My parents bought one of those Gerber Life policies when my sister and I were babies. And, at least for me, THANK GOD they did. I was diagnosed with Type I Diabetes when I was only 20. That Gerber policy is the only life insurance I have (other than an AD&D at work) or ever will be able to have. Technically, there are a few companies who would currently sell me a policy, but the rates are completely outrageous. The last one I looked at was $178/month for a $37K 20-year term. PUH-LEEZ. I'd be paying $10K more than the actual coverage over the entire 20 years. Without the diabetes for a woman my age, that probably would have been $20-$25/month.
*I've also heard horror stories (from a friend who is a life insurance agent, no less) that if a person is in a car accident but doesn't die on the scene. However, they die in the ambulance or later at the hospital from their injuries, NOPE, even that's not covered in many AD&D policies. The person has to literally die at the moment/scene of the accident. Not later on from their injuries.
At any rate, some caveats and things to think about while shopping for insurance. Insurance of any kind is always hard to figure out. Because you're often weighing the gamble of something unlikely to happen vs. being SOL if "X" event happens vs. real money FOR SURE coming out of your pocket every month for the gamble. It's a bit maddening!

I have a pre-existing condition and I don't pay more than $45/ month for my life insurance. I pay more than FI does because he doesn't have any family histories or pre-existing conditions. It really depends on your insurance company and broker. We have a really good financial advisor.

MissKittyDanger · March 2018

TrixieJess said:

short+sassy said:

MissKittyDanger said:

short+sassy said:

6fsn said:

@misskittydanger im just curious why you are putting off the wills for a year. You'll have a kid before then.

Agreed! It's great you all are already thinking in that direction but, with life changing events, come the preparations that are better done beforehand .
Not to be morbid, but also think about life insurance. For both you and your H. If you all already have it, great. But check if the current coverage would still be adequate, now that there is going to be a young child in the equation. If you all don't have any, get some! Sometimes people make the mistake of only insuring the breadwinner and/or underinsuring the partner who either doesn't work or makes less money. But, there can still be a tremendous cost in extra childcare, if one parent passes. Think about each eventuality and how that would affect the spouse left behind. Or, God forbid, if both parents died at the same time.

No no. Not morbid! After my dad passed, my mum had to change her life insurance and her lawyer made her consider the possibility of something happening to me before her - which he put a clause in for that possibility.

We do have life insurance. Both jobs are waiting on little one to arrive to update it with proper birthdate for her. I have to make adjustments on life insurance anyways, and my work is waiting on arrival of baby before changing pensions and life insurance

Most workplace insurance policies are only AD&D* (Accidental Death and Dismemberment). Which for people like you all who are younger, might be okay.
But if one of you is diagnosed with a major and/or terminal medical condition, workplace policies won't cover a death resulting from that. Even if it is more on the "major" side, but not fatal, you'll probably have a hard time buying a term or whole policy or it will be insanely expensive as compared to what it would be to buy it now.
A lot of people don't recommend a policy for children, but what I just described is a good argument for it. My parents bought one of those Gerber Life policies when my sister and I were babies. And, at least for me, THANK GOD they did. I was diagnosed with Type I Diabetes when I was only 20. That Gerber policy is the only life insurance I have (other than an AD&D at work) or ever will be able to have. Technically, there are a few companies who would currently sell me a policy, but the rates are completely outrageous. The last one I looked at was $178/month for a $37K 20-year term. PUH-LEEZ. I'd be paying $10K more than the actual coverage over the entire 20 years. Without the diabetes for a woman my age, that probably would have been $20-$25/month.
*I've also heard horror stories (from a friend who is a life insurance agent, no less) that if a person is in a car accident but doesn't die on the scene. However, they die in the ambulance or later at the hospital from their injuries, NOPE, even that's not covered in many AD&D policies. The person has to literally die at the moment/scene of the accident. Not later on from their injuries.
At any rate, some caveats and things to think about while shopping for insurance. Insurance of any kind is always hard to figure out. Because you're often weighing the gamble of something unlikely to happen vs. being SOL if "X" event happens vs. real money FOR SURE coming out of your pocket every month for the gamble. It's a bit maddening!

I have a pre-existing condition and I don't pay more than $45/ month for my life insurance. I pay more than FI does because he doesn't have any family histories or pre-existing conditions. It really depends on your insurance company and broker. We have a really good financial advisor.

100% yes! With M's former job, I wasn't covered under insurance with an ulcer - I wasn't on meds at the time - but I was covered under my own later on. It was the same friggen company!

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