Comments on: Death of a Salesman’s Stereotype http://www.totalmomhaircut.com/2008/04/01/death-of-a-salesmans-stereotype.html Tons of feathery layers. Mon, 13 Oct 2008 23:05:51 +0000 http://wordpress.org/?v=2.3.3 By: Total Mom Haircut -- A Parenting Blog » A Plague on my New House! http://www.totalmomhaircut.com/2008/04/01/death-of-a-salesmans-stereotype.html#comment-6195 Total Mom Haircut -- A Parenting Blog » A Plague on my New House! Sat, 31 May 2008 01:32:56 +0000 http://www.totalmomhaircut.com/2008/04/01/death-of-a-salesmans-stereotype.html#comment-6195 [...] when I was all excited about us finally getting life insurance? Yeah, well turns out I was DENIED a policy based on something that happened with my heart after Sam [...] […] when I was all excited about us finally getting life insurance? Yeah, well turns out I was DENIED a policy based on something that happened with my heart after Sam […]

]]> By: Total Mom Haircut » Letters to My Bad Neighbors, Part One http://www.totalmomhaircut.com/2008/04/01/death-of-a-salesmans-stereotype.html#comment-5267 Total Mom Haircut » Letters to My Bad Neighbors, Part One Sun, 06 Apr 2008 16:18:43 +0000 http://www.totalmomhaircut.com/2008/04/01/death-of-a-salesmans-stereotype.html#comment-5267 [...] a budget in small apartments.  We’ve been kids with kids.  But look at us now!  A house, life insurance policies; we’re so very adult.  It’s been a long time [...] […] a budget in small apartments.  We’ve been kids with kids.  But look at us now!  A house, life insurance policies; we’re so very adult.  It’s been a long time […]

]]> By: Mommy off the Record http://www.totalmomhaircut.com/2008/04/01/death-of-a-salesmans-stereotype.html#comment-5179 Mommy off the Record Wed, 02 Apr 2008 19:30:07 +0000 http://www.totalmomhaircut.com/2008/04/01/death-of-a-salesmans-stereotype.html#comment-5179 Great advice. We got life insurance last year as well for all the same reasons. Do you have a living trust yet? That is something we are working on now. Without it, the government will take a huge chunk of your money (that would have gone to your kids) to pay for the fees to go through probate - or something like that. It's really expensive to have a lawyer draw the papers though but if you have assets under $1M (including life insur), check out Suze Orman's Will and Trust Portfolio kit. It will save hundreds of dollars and is really easy to use. (Sorry for going on about this!) Great advice. We got life insurance last year as well for all the same reasons. Do you have a living trust yet? That is something we are working on now. Without it, the government will take a huge chunk of your money (that would have gone to your kids) to pay for the fees to go through probate - or something like that. It’s really expensive to have a lawyer draw the papers though but if you have assets under $1M (including life insur), check out Suze Orman’s Will and Trust Portfolio kit. It will save hundreds of dollars and is really easy to use. (Sorry for going on about this!)

]]> By: Rebecca http://www.totalmomhaircut.com/2008/04/01/death-of-a-salesmans-stereotype.html#comment-5178 Rebecca Wed, 02 Apr 2008 18:17:45 +0000 http://www.totalmomhaircut.com/2008/04/01/death-of-a-salesmans-stereotype.html#comment-5178 I remember when we sat down and made a guardian for our then only child and arranged life insurance and how FREAKED OUT we were. Now we have to up our life insurance, because we have 100 kids and all. Adulthood is AWESOME. I remember when we sat down and made a guardian for our then only child and arranged life insurance and how FREAKED OUT we were.
Now we have to up our life insurance, because we have 100 kids and all. Adulthood is AWESOME.

]]> By: Alli http://www.totalmomhaircut.com/2008/04/01/death-of-a-salesmans-stereotype.html#comment-5177 Alli Wed, 02 Apr 2008 18:15:36 +0000 http://www.totalmomhaircut.com/2008/04/01/death-of-a-salesmans-stereotype.html#comment-5177 Good for you!! It's okay to admit you were a little naive about it all now that you've gotten it taken care of. Just make sure you don't get whole life insurance or whatever it's called these days. We've always had insurance on Sweet Hubby through his work and we got some on me when our oldest was a baby. But with the addition of 2 more kids, another car and mortgage (all of which we didn't have when we got my insurance), I've been getting the feeling lately that it may not be enough. Because of your post, I'll be talking to hubby about that tonight. Good for you!! It’s okay to admit you were a little naive about it all now that you’ve gotten it taken care of. Just make sure you don’t get whole life insurance or whatever it’s called these days.

We’ve always had insurance on Sweet Hubby through his work and we got some on me when our oldest was a baby. But with the addition of 2 more kids, another car and mortgage (all of which we didn’t have when we got my insurance), I’ve been getting the feeling lately that it may not be enough. Because of your post, I’ll be talking to hubby about that tonight.

]]> By: gretchen from lifenut http://www.totalmomhaircut.com/2008/04/01/death-of-a-salesmans-stereotype.html#comment-5173 gretchen from lifenut Wed, 02 Apr 2008 17:24:03 +0000 http://www.totalmomhaircut.com/2008/04/01/death-of-a-salesmans-stereotype.html#comment-5173 No mocking here! You are wise. We have life insurance because I don't want to be like my great-grandmother. My great-grandfather died when she had five small children at home. She went to college and got a degree in social work and education, but she had to split up her kids for awhile, farming them out to relatives. How awful---to have your family literally torn apart by a death and then finances! They were all eventually reunited, but not without some pretty deep scars. No mocking here! You are wise.

We have life insurance because I don’t want to be like my great-grandmother. My great-grandfather died when she had five small children at home. She went to college and got a degree in social work and education, but she had to split up her kids for awhile, farming them out to relatives. How awful—to have your family literally torn apart by a death and then finances!

They were all eventually reunited, but not without some pretty deep scars.

]]> By: Mama D http://www.totalmomhaircut.com/2008/04/01/death-of-a-salesmans-stereotype.html#comment-5156 Mama D Wed, 02 Apr 2008 02:41:23 +0000 http://www.totalmomhaircut.com/2008/04/01/death-of-a-salesmans-stereotype.html#comment-5156 We do have insurance for ourselves as well as A. She is set up for life which is extremely cool I think. She may not have everything that money can buy but she will never have to worry about her own insurance policy. What we do not have are wills. And I KNOW we need them too. We do have insurance for ourselves as well as A. She is set up for life which is extremely cool I think. She may not have everything that money can buy but she will never have to worry about her own insurance policy. What we do not have are wills. And I KNOW we need them too.

]]> By: Beth http://www.totalmomhaircut.com/2008/04/01/death-of-a-salesmans-stereotype.html#comment-5143 Beth Tue, 01 Apr 2008 19:25:30 +0000 http://www.totalmomhaircut.com/2008/04/01/death-of-a-salesmans-stereotype.html#comment-5143 Amy - You are so right. That is yet another thing we've avoided doing. We'll get on it. Kelli - I must say, that's a pretty good salesman, in a tacky sort of way. Mom - Yes, mother. Amy - You are so right. That is yet another thing we’ve avoided doing. We’ll get on it.

Kelli - I must say, that’s a pretty good salesman, in a tacky sort of way.

Mom - Yes, mother.

]]> By: jaybee4000 http://www.totalmomhaircut.com/2008/04/01/death-of-a-salesmans-stereotype.html#comment-5142 jaybee4000 Tue, 01 Apr 2008 19:08:53 +0000 http://www.totalmomhaircut.com/2008/04/01/death-of-a-salesmans-stereotype.html#comment-5142 Your husband is an attorney. You two should have wills too. :) Your husband is an attorney. You two should have wills too. :)

]]> By: Amy http://www.totalmomhaircut.com/2008/04/01/death-of-a-salesmans-stereotype.html#comment-5140 Amy Tue, 01 Apr 2008 16:38:17 +0000 http://www.totalmomhaircut.com/2008/04/01/death-of-a-salesmans-stereotype.html#comment-5140 Hee. You crack me up. Although you are totally right thinking about this issue. Our little guy was about ten months old when hubby started his current job and that was when we got all insured. He has GREAT life insurance. We joke that he's worth more dead than alive right now, even though it's really not funny at all. The other thing I know a lot of people neglect is choosing and naming an appropriate gaurdian for your kids if something happens to both of you. You don't even have to do anything legal, really--just a simple note signed by both of you and the chosen gaurdian in the firebox is plenty to ensure that your kids go where you want them to. Hee. You crack me up. Although you are totally right thinking about this issue. Our little guy was about ten months old when hubby started his current job and that was when we got all insured. He has GREAT life insurance. We joke that he’s worth more dead than alive right now, even though it’s really not funny at all. The other thing I know a lot of people neglect is choosing and naming an appropriate gaurdian for your kids if something happens to both of you. You don’t even have to do anything legal, really–just a simple note signed by both of you and the chosen gaurdian in the firebox is plenty to ensure that your kids go where you want them to.

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