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Some say it's a gamble. Others call it security and peace of mind. But what is life insurance, really? Why might you need it? And what are your options if you want to buy it?
Life insurance is really one way of planning ahead and preparing to take care of your family financially in the event of your death. You pay a monthly premium to a life insurance company and in return, that company will pay your family the agreed-upon death benefit if you pass away while the life insurance policy is in effect.
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 (ARA) - Windows down, music turned up, friends giggling in the back seat, freedom . . . it's the moment all teenagers dream of - getting their drivers license.
Teen drivers are often euphoric with this new sense of independence. After all, getting a drivers license is a big rite of passage. Teens are inundated, and rightfully so, with statistics and horrific stories that point to the dangers of driving while intoxicated. However, new research shows that distracted driving is among the leading causes of auto accidents, and the problem is getting worse.
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 (ARA) - The flu season is here and many consumers have questions about who should be vaccinated and when, especially given the H1N1 flu outbreak last year.
While the World Health Organization (WHO) has officially declared the end of the H1N1 pandemic, the virus, along with the traditional seasonal flu, is still active and a level of concern remains. This year, for the first time, the Centers for Disease Control and Prevention (CDC) is recommending that all individuals older than 6 months get a flu shot. Many will recall that the H1N1 virus struck younger individuals than the 50-plus population who typically are at higher risk for the seasonal flu.
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 Long lines, parking lots so packed they don't have space left for a pigeon to land, and grocery store shelves stripped of every last morsel of gingerbread, cranberry sauce and cookie dough - such is the likely fate of those who wait until the last minute to prepare for Christmas.
Legend has it that Santa Claus spends the whole year prepping for his big night. While you don't have to go to that extreme, you can still enjoy the benefits of planning for the holidays a few months in advance. Don't let waiting until the last minute interfere with your Christmas fun this year. Here are three areas where you can get a jump-start on the holiday:
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 (ARA) - A family reunion can be one of your extended family's most memorable shared experiences, providing new family stories and deepening bonds for years to come. If you are in the coordinator's seat, it can also be a daunting amount of work.
With a bit of advice from the experts on planning, delegation and, the centerpiece of any family gathering, food and drink, it can be a bit easier. Here are a few tips to help make your reunion a family affair to remember -- fondly.
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You buckle her into her carseat for even the shortest trip down the street. He's never missed a well-baby checkup and you wash his little hands (and yours) constantly. As a new parent, you do everything you can think of to keep your baby safe and secure.
But what if someday you weren't there to pay for his checkup? Or you lost your spouse to illness or injury and had to face raising your child alone? You've heard life insurance can help protect against those unpleasant possibilities, but you may not be sure you really need insurance, especially if your family is very young and healthy.
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The digital camera revolution has changed the way that most of us take photos. Whether you're using a top-of-the-line DSLR (digital single-lens reflex) camera or a simple point-and-shoot, it's likely that you're shooting more photos than you used to with a film camera.
It's also likely that you're paying less attention to getting prints made. That means your photos often end up just sitting on your camera or computer, where you aren't sharing them with friends and family, like you would have in pre-digital days.
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You know the feeling - waking up with far too little sleep, quickly preparing to go to work and coaxing your kids to get them to school on time. Mornings can be tough for families that are on the go.
You can't add hours to your day so you can get more sleep, but you can do a few things to make your mornings less stressful. And considering you or your teen may be in charge of rides to school, you can also do a few things to improve your family's driving safety.
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There are some things in life you hope you'll never have to deal with - like a child with a broken arm, a lost wallet or getting into a car accident. Hopefully in the case of the latter, no one was hurt badly, and all you have to deal with is getting your car fixed so you can get back on the road.
Are you aware of the procedure for filing a car insurance claim? If not, here are some simple guidelines:
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