From the hottest cool weather fashion to Fall cleanup hacks, and even an amazing natural gel for quick muscle and joint pain relief after spending hours raking up leaves, I hope you enjoy my latest roundup helpful, "10 Fall Trends That'll Do a Body Good" - Let's go!!
Disclaimer: This post was sponsored by Responsival. Below you'll find affiliate links (marked with ** or "shop now" images). As an Amazon Associate, I receive a small commission from qualified purchases made after clicking these links. Ya girl's gotta fund her family's travels somehow - thank youuuuu for understanding!!
1. ZoomBroom
Fall cleanup is no joke. It's one of the only things I miss about city living: not having to spend hours and hours raking leaves - it's EXHAUSTING!!! But there is a hack - you've got to invest in an amazing leaf blower, the lighter the better. With 75 mph of wind speed powers and weighing only TWO POUNDS, ZoomBroom** Lightweight Cordless Stick Blower is pretty much the best combo of lightweight and powerful leaf blower on the market!!
But you don't have to take my word for it - it was listed in Good Housekeeping's 2023 Best Cleaning & Organizing Awards! You still gotta get all those leaves to the curb or into biodegradable bags, but this powerful blower will save you TONS of time and energy!
2. Doctor Hoy's Natural Pain Relief Gel:
This oil-free all-natural gel features Witch Hazel and timed release menthol for 2-5 hours of muscle and joint pain relief, and reduction of inflammation. The perfect treatment of everything from your monthly cramps to sore muscles after a hard workout or raking leaves! The pain relief gel is available in roll on or tube, and they also have Arnica boost and a hot/cold therapy pack!
3. Have FUN with Fitness!!
We know it's important to exercise our body, mind, and spirit. We need to get the heart pumping and the muscles moving! If you find working out tedious and boring, let this be the year you find something fun and exciting!! There are so many kinds of workouts and classes to choose from, but one at the top of my MUST TRY list is Bungee Assisted Cardio (aka Sling Bungee / Bungee Fitness / Aerial Bungee). You may have seen this on TikTok - you're harnessed in and let the bungee ropes help you lunge, dance, leap, and fly across the room. It's a low-impact, high-intensity cardio workout and it looks like SO much fun. It's been gaining momentum over the past couple of years, so you may be able to find a class near you, just search for a "bungee fitness near me" or something like that! If any one is in northern NJ or NYC and wants to try a class with me, leave a comment, I'm SO IN!
4. Metallic Boots
According to Glamour's "12 Fall 2023 Fashion Trends You’ll Actually Want to Wear", metallic footwear is IN this fall! But this roundup is all about products that will do your body good, so of course we're looking at warm, comfy and supportive metallic fall footwear. Take a look at these fun and shiny chelsea boots, flats, and rain boots!
5. Take your bedding to the next level
From a thick plush comforter to a cervical support memory foam pillow that cradles your neck, now is the time to get take your bedding to the next level so you'll be warm and cozy all winter long! But don't stop at upgrading your comforter and head pillow. If you need help with hip, neck, or back pain, you may want to give these half moon and knee support pillows** a try!! And if you need an extra layer during winter, we LOVE this 10x10 plush blanket** over our comforter, it adds warmth and also acts as a weighted blanket, SO comfy and cozy, and it's perfect over our queen so we're never fighting over blanket LOL!!
6. Elevated Athleisure
According to Glam in their "20 Fall 2023 Fashion Trends To Know Now" article, "elevated athleisure is going to be one of this fall's most wearable trends, and we're here for it"! What's this mean? Take your typical super comfy athleisure (yoga pants and sports bra set or hoodie and sweat pants) and elevate with a necklace or bag, heels or boots, or swap out the spandex leggings for leather! Here are some fun items to inspire:
7. Heated Vest
Whether hiking, horseback riding, raking leaves, or waiting for the kiddos at the bus stop, a rechargeable heated vest is going to keep your core warm without restricting your movement, so we are LOVING this technology! There are many brands out there, I love this heated vest by Doace** (see my demo video below). Wear it as is in spring or fall, or layer under a bigger coat to stay toasty warm all winter!!
8. Cozy Coat
In fall you want to stay warm but look cute, no better way to do that than in a fuzzy teddy bear jacket, faux fur coat, or thick oversized cardigan!! Here are some top rated amazingly awesome ones to add to cart:
9. House Slippers
If you're not an outdoor-shoe-free household yet, get on board, because your home will be so much cleaner!! But don't worry, you don't have to be barefoot (which can be quite cold and uncomfortable during the colder months)! On the contrary, this is the time of year to make sure you have great cozy house slippers on hand that will benefit you in a number of ways:
10. Comfier Gardening Hacks
If you love flowers, fall means hitting the garden to swap out dying summer flowers for hardier ones like mums! We've got some favorites to help you tend to your garden with more comfort and style! From a knee saving pad** (for gardening and giving kids/pets baths) and protective gardening gloves to rain boots and sun hats, check these out:
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Guest post provided by RhinoRank.
Join us as we set out on a journey through the Buckeye State, a realm brimming with vibrant cultural tapestry and engaging heritage. From dynamic cityscapes to tranquil rural scenes, Ohio unfolds like a well-kept secret with countless tales lying in wait. Be it for the intrepid globetrotter or the intrigued local, unveiling the in-depth, genuine experiences housed within Ohio's cultural milieu is truly unmatched.
So, buckle up and embark with us on this excursion, deciphering the mysteries and strategies for immersing in Ohio's alluring past and present. Prepare to encounter fresh insights, awaken your senses, and craft lasting memories – because Ohio's cultural jewels are just yearning for your exploration!
Discovering the Cultural Depth of Ohio
Ohio is a realm with a profound cultural heritage, dating from its humble beginnings as a frontier settlement to its current prominence as a pioneering industrial and agricultural hub. Ohio's diverse populace is mirrored in its culture, boasting an array of traditional music, art, culinary, and customs. To delve into an authentic Ohioan cultural expedition, consider several steps. Start with acquiring knowledge about the state's history, allowing a more profound understanding of the individuals shaping Ohio's culture. Next, explore some of the state's museums and historical landmarks, such as the world-renowned Cleveland Museum of Art in the heart of the state. This prestigious institution holds an extensive collection of global art, serving as a testament to human creativity and providing insightful glimpses into the lives and narratives of Ohioans of yore and today. Further your experience by participating in a cultural festival or gathering. Ohio's communities celebrate their heritage with festivals that bring traditional music, dance, cuisine, and other activities to life. Don't hesitate to interact with the locals. Engaging in dialogue about their customs, preferred delicacies, or viewpoints on Ohio's present culture is among the most efficient ways to comprehend a culture.
Celebrations and Festivities in Ohio
Ohio houses a rich tapestry of holidays and events, each emanating a distinct charm. The thrill of Fourth of July fireworks in Cincinnati or the traditional German Christmas markets in Dresden offers something for all tastes. To fully enjoy these holiday and event experiences in Ohio, consider the following tips:
Experiencing Ohio's Natural Splendors
Ohio is a harmonious blend of cultural richness and natural allure. Whether it's the energetic metropolis of Cincinnati or the undulating landscapes of the Hocking Valley, Ohio has much to offer for exploration. Here are some suggestions for witnessing Ohio's best features:
By adhering to these tips, you can uncover the lush cultural and natural tapestry that is Ohio!
Exploring Local Commerce and Cuisine
Ohio provides countless opportunities to shop and dine in true local style. From lively farmers markets to quaint roadside establishments, the taste of the Buckeye State is never far away. Numerous farmers markets, including the globally recognized North Market in Columbus, dot Ohio. These markets offer fresh produce, meats, cheeses, and more from local providers. Smaller farmers markets are dispersed across the state and should not be missed during your Ohioan adventure. Casual dining options are also plentiful in Ohio, with a plethora of roadside diners and cafes offering hearty meals at affordable prices. These establishments are local favorites, providing an opportunity to enjoy traditional cooking and engage with Ohio's residents.
Discovering Local Art, Music, and Entertainment
Ohio is bursting at the seams with local art, music, and entertainment eager to be uncovered. Here are some tips for discovering Ohio's cultural richness:
Conclusion
Journeying through Ohio's culture offers an irreplaceable experience. By following these tips for genuine experiences, you can gain a deeper appreciation of this vibrant cultural tapestry and unearth the hidden jewels that make Ohio an extraordinary destination. Whether you're intrigued by its history, keen on sampling local delicacies, or desire to connect with locals in their own environment, Ohio surely has something to offer everyone!
Guest post provided by No nonsense
Being a mother is one of the most meaningful and rewarding roles a person can take on, but it’s also one of the hardest. Between managing the household, taking care of the kids, and other duties, most moms are practically working 24/7. It’s no wonder that maternal burnout is a real and recognized phenomenon. A recent survey by a US-based all-in-one parenting platform revealed that 93 percent of mothers in the U.S. feel burned out at least occasionally, and nearly 45 percent are burned out most of the time.
Perhaps you’ve experienced that feeling of overwhelming exhaustion at one time or another as you try to juggle your numerous responsibilities as a mother. If so, you may need to squeeze in regular breaks in your routine and adopt habits that can help boost your depleted energy and refresh your tired mind and body. Otherwise, there’s a high chance you’ll suffer from burnout and hurt your physical and mental well-being as a result. If you’re looking for ways to recharge your mommy battery, here are several ideas you may want to consider: Practice a Relaxing Bedtime Routine Getting at least 7 hours of sleep a night is non-negotiable if you want to revitalize your exhausted body and mind. After all, a good night’s sleep is the most powerful body recharger. It helps your body repair itself, it helps boost immunity, and it triggers the release of hormones vital to fighting stress, infection, and inflammation. That’s why you should do everything you can to achieve sufficient and high-quality sleep. Train your kids to go to bed early and avoid staying up late watching television, using mobile devices, or doing other things that can reduce the time you spend in bed. More importantly, implement a relaxing bedtime routine to help you fall asleep faster and sleep longer. Perhaps you can take a warm bath, change into comfy clothes like an oversized shirt and soft cotton leggings, and listen to relaxing music to wind down and prepare your mind and body for sleep. Reserve One Day for Yourself If you want your battery to last for a whole week, you probably need an entire day to yourself so that you can decompress and nourish your body and soul. Perhaps you can ask your partner, in-laws, or your parents to take care of the kids on Saturdays so you have time to get a massage, have coffee with friends, go to the salon for hair treatments, or do anything that makes you happy and relaxed. You can also stay at home, if you want, and do your chosen self-care regimen therein. Whatever you choose, commit and enjoy the experience.. Exercise While it may appear to defeat the purpose of resting and recharging, incorporating physical activities into your regular schedule can be a remarkable way to boost your energy. That’s because exercise triggers the release of endorphins, the neurochemicals that improve mood, alleviate stress, and provide an overall sense of well-being. Instead of making you feel tired after engaging in moderate-intensity physical activity, endorphins provide a natural “high” or a burst of energy needed to carry out your mommy duties afterwards. Moreover, regular exercise can help you sleep better at night, so you’ll feel refreshed and energized the following day. Can’t squeeze in time to work out? Consider exercising with your kids. You can take a walk in the park, play tag in the yard, swim in the public pool, or follow kid-friendly exercise videos online. You can also do stretches or squats while waiting for the washing machine to finish a cycle or watching your children play. Engage in Creative Hobbies Recharging doesn’t only mean resting physically. More often than not, you need to recharge mentally to do your mommy duties properly and joyfully. To avoid being psychologically drained, consider engaging in creative pursuits, like quilting, photography, or watercolor painting during your free time. One study published in the Journal of Public Health found that creative hobbies are a meaningful vehicle for improving well-being. Find a hobby you’re interested in and make time to enjoy it. Take Regular Mommy Breaks Taking regular breaks from your busy day is necessary for you to be able to fight fatigue and replenish your energy. Learn to listen to your body. If you feel tired, stressed, and overwhelmed, let your children watch cartoons or play video games a little longer than usual so you can take a few moments to pause and do nothing. Close your eyes, light a scented candle, and relax. Better yet, give yourself at least 10 minutes a day to pause and recharge instead of waiting to reach your limit before taking a break. Perhaps you can make afternoon nap time for your kids mandatory if you have small children to help you get that much-needed rest. Or maybe you can introduce an engaging activity like doing puzzles or painting to keep your kids preoccupied while you try to refresh yourself. Hopefully, these tips gave you plenty of ideas on how you can recharge and acquire more energy to care for your kids and loved ones. Whether you adopt them entirely or modify them to suit your situation is up to you. The important thing is you exert effort and make changes to your everyday routine so you could protect your well-being. That way, you can avoid burnout and enjoy motherhood to the fullest.
I've been working from home for a few years now, like many of you, so I wanted to share some of my favorite items (some purchased, some provided for review), as well as some on my must-buy-soon wish list! I'm calling this my roundup of products for a healthier home office, but these would also be great additions to your out-of-home office, or even in your house or apartment, for a healthier mind, body, and spirit.
Disclaimer: This post was sponsored by Responsival. Below you'll find affiliate links. As a Renpho, Thrasio, & Amazon Associate, I receive a small commission from purchases made after clicking these links. Ya girl's gotta fund her family's travels somehow - thank youuuuu for understanding ;) So, let's get to the list!!
1. Cubii compact seated elliptical machine
Have you seen Cubii before?? IMO it's the best under desk exercise equipment on the market. Hands down. They have a few models, I was sent the Cubii Total Body+ which is a tiny elliptical machine that you use while sitting down!! It also has resistance bands included!! You download their free app and can access tons of workout videos, classes, and it'll track your workouts, of course. It's really easy to set up and use, and it's honestly an amazing full body workout - great to use under your desk, while working (or taking a quick TikTok break), or while watching TV. Don't believe me?? Watch my demo video below - I'm out of breath with burning thigh / calf / butt muscles in just a few minutes! Cubii FTW!!!
2. Sitting to Standing Desk
It may come as a shock but sitting at your desk for hours upon hours is NOT good for our health (read about it on this Mayo Clinic post). But you're in luck because there are several ways to do less sitting, even while working! TechOrbits makes a great electrical standing desk that adjusts height from 28" to 48" to quickly and easily go from a great sitting desk to an amazing standing work space!! Alternatively, if you can't or don't want to upgrade your entire desk, you could add something like this TechOrbits standing desk converter that sits atop your desk or table. While you're at it, why not use a stool that allows you to sit at a regular desk or perch at your standing desk, like this BonVIVO standing desk chair that adjusts from 26 to 33 inches, with 10 degree tilt and 360 degree swivel.
3. Blue Light Blocking Glasses + Bulbs
Blue light from screens and lighting can cause eye strain, difficulty falling asleep, and other health issues, so consider investing in some blue light blocking technology! It can be as easy as having a special blue light blocking coating added to your next pair of prescription glasses - Warby Parker has some great ones! And if you don't need corrective lenses, you can get a cute non-prescriptive pair. Check out NY Mag's 2023 list: "The 6 Very Best Blue-Light Blocking Glasses here"! You may even consider adding a floor or desk lamp with this blue light blocking Amber bulb to use when working after dark.
4. Air Purifier
Whether you're sensitive to odors, mold, dust and other impurities in the air, or you just want to make sure your home and office are as clean and healthy as possible, a good air purifier is a must. You can get a nice budget-friendly HEPA air purifier like this one by VEVA, or go for a super smart one with all the bells and whistles that is super pretty to boot, like the CleanForce Rainbow that shows you exactly how clean your air is, automatically adjusts air refresh speed, and lets you control everything from an app (watch my demo above)!
5. Humidifier / Diffuser
Keeping your air clean is one thing, keeping it at the right humidity level to prevent mold growth while keeping your skin and mucous membranes healthy is another! I love this HuPro smart humidifer, watch my demo video above! It shows you the current humidity and will will run for 30 hours on a single (top loading) tank to maintain the desired humidity level you set. It has a remote, 360 degree nozzle, and has a built-in aroma therapy tray, so it'll work as an essential oil diffuser as well!! Hello 2 birds 1 stone!! If you want a separate essential oil diffuser, why not get one that also acts as room decor? This one that looks like potted flowers is just so cute!
6. Ergonomic Mouse, Keyboard & Chair
According to this article on Business.com, "repetitive strain injuries take a long time to develop, they also typically take a long time to treat". So do yourself a favor and invest in ergnomic office gear to help you avoid such injuries in the first place!! We're talking:
7. Eye Massager
If you suffer from eye strain, migraines, or stress, this heated eye massager from Renpho is a must. It folds in half for easy storage in your office desk drawer, bedside table, or carry-on bag. It has gentle rolling and squeezing pressure, warms up, plays relaxing music, ahhhhh it's really a nice way to take a little meditative break from work (or set the timer and lay down with it for a nap!). You can find it on Amazon or get 10% off with my affiliate code USJP10 on their website!
8. Under Desk Foot Massager
I dunno if this one is for "health" per se, maybe mental health?? I received this Cloud Massage Shiatsu heated food & calf massager to review over 2 years ago and it is like, my #1 must-have under my desk while working. I literally use it a minimum of 3 times a day. It feels SO good!!! You can use it on your feet (it rolls, squeezes, vibrates, and warms) or you can change the angle and lay down to massage your calves!! LOVE LOVE LOVE!!! Get itttttttt!!!
9. Standing Desk Treadmill
Besides getting in some extra steps and cardio, using a treadmill while working may actually lead to increased productivity!! This is a great under desk treadmill by UREVO (above right image), you can even stand it against the wall when not using it. Or if space is limited, go for this extra short treadmill by Egofit (above left image).
10. Smart Watch
Whether you go for the latest Apple Watch, FitBit, a more budget-friendly smart fitness tracking watch alternative, these can do wonders for helping you both in and out of the office. They can keep track of your steps, send you reminders that you've been sedentary too long and it's time to get up and move, lead you through meditative breathing, measure your blood pressure and pulse ox, let you know how well you are sleeping, give suggestions on a better evening routine and bedtime, and so much more!!
I hope you found this roundup helpful!! If you did, or if you have any great items to suggest, I'd love for you to leave a comment below!!
Guest post provided by Hue.
Deciding what to wear to your child’s school functions can be challenging as there are often no clear-cut rules, unlike ordinary events. There’s also the added pressure of wanting to leave a good impression or show your best self to teachers, administrators, and other parents without going overboard. After all, you’re representing your child, so the least you can do is appear presentable and wear outfits appropriate for the occasion.
Perhaps you often struggle with trying to figure out what to wear for different school functions. Or maybe you’re searching for outfit inspiration to make dressing up more fun and less stressful this school year. Either way, read on. This piece will offer pointers and outfit ideas that you can wear to various school functions, from sporting events to fundraisers.
Sports Activities
Supporting your athletic child while sitting on the bleachers naturally requires a casual ensemble. However, it doesn’t mean you should just wear sweatpants, workout clothes, and similar pieces that you typically wear while lounging at home. What you need are comfortable yet dressier options that make you look and feel good. You can wear a white sweater dress under an oversized beige knit sweater paired with quality black leggings and white leather sneakers. Finish the look with a black crossbody bag for a chic yet relaxed appearance. You can also put on an off-white hoodie, an army green puffer vest, dark wash skinny jeans or denim leggings, and low-top trainers. Accessorize with a dark navy beanie to complete the look.
Parent-Teacher Conferences
You never know what can happen during parent-teacher conferences. Besides meeting with your child’s teachers, you might also explore students’ exhibits and booths, mingle with other parents, or take a tour of the campus. As such, you need an outfit that allows you to sit, stand, and move around comfortably, not to mention something stylish so you can walk with a spring in your step. When in doubt, your best bet is to go for a fit-and-flare dress in a neutral hue, as this style can help you create an elegant and feminine vibe. Wear it with a cardigan and pointy flats or low heels that complement the color of your dress to tie everything together. If you want to wear pants, consider selecting dressier types like cigarette or stove pipe pants. Pair them with an asymmetrical top, a stylish blouse, or a white button-down shirt. As for shoes, closed-toe pumps, kitten-heel sandals, and strappy heels are great options.
Field Trips
If you’ve signed up to chaperone your kid’s school trip, you need something that’s not only fashionable but also comfy and functional. That’s because there’s a great chance you’ll spend considerable time on your feet managing and keeping an eye on playful children. When selecting clothes, remember to consider the weather and the itinerary. Stay comfy and warm with a chunky sweater, jeans, and ankle boots with padded insoles during the cooler months. For warmer days, you can wear a short-sleeve button-up shirt, a dark-colored t-shirt, or a linen tunic. You can pair them with denim leggings and comfy rubber sandals or espadrilles for a cute summer vibe. Whatever pieces you choose, make sure they’re suitable for academic environments. That means tank tops and shorts are a no-no, even if the weather is hot and humid. You may also need to bring additional layers to keep you comfortable throughout the day. Consider packing a shawl or a lightweight jacket that you can readily use to stay warm when visiting museums, auditoriums, and similar places that are usually chilly.
Plays, Recitals, or Talent Shows
Attending school plays, recitals, talent shows, and similar functions where your child will go on stage and perform is a remarkable opportunity to show them that you value their skills and talents. When planning a suitable outfit, you may want to avoid overly casual pieces, like graphic tees and distressed jeans. Instead, look for dressier options that suit the venue. If the show is in the school auditorium or local hall, you can opt for a smart casual outfit—something neat and polished but not too formal. For instance, you can wear a black blazer over a printed blouse and go for dark-wash, well-fitted jeans and black heels to achieve a relaxed yet sophisticated look. When attending school shows in formal venues, try to dress up a little bit more, especially during the evenings. A black wrap dress paired with black heels is a great option, as it flatters the figure and makes you look taller. Add a splash of color to your ensemble with statement earrings or bracelets. You can also wear a stylish blouse with a pencil skirt in a dark shade and pointed-toe heels. Complete your elegant look with a well-made handbag that complements your outfit.
Fundraising Events
School fundraisers are important events where you can meet the school administrators, stakeholders, and other important people. So, make sure to dress up in a way that makes you feel confident and empowered. Consider a well-fitted black or dark gray dress with a classic cut and stylish black heels. You can also opt for a printed dress, but try to stick to delicate and subtle prints on a neutral-colored background. Moreover, keep your accessories simple and classy to create a polished and put-together appearance. Hopefully, this piece gave you plenty of ideas on how you can dress up for various school functions. Ultimately, the key is to keep your outfits simple and classy, even if the event requires more casual attire. Remember, what you wear can affect people’s perception of you and, indirectly, how they see your child. Thus, you may want to make an effort to ensure that what you wear always reflects your best self.
These myths may make you reconsider no medical exam life insurance as an option for you.
This is a sponsored guest post provided by Responsival. When people think of life insurance policies that do not require a medical exam, they most often assume those types of insurance are reserved only for people with serious medical issues. However, that is absolutely not the case. While this type of insurance is a great option for people with health issues, it can also be an option for people in perfect health. This misconception, on top of the many other misconceptions people often have about life insurance with no medical exams ultimately ends up unnecessarily limiting the options people have for life insurance types. Let’s debunk some of those myths and discuss some of the most popular life insurance types that do not require a medical exam. Debunking the Biggest Misconceptions About No Medical Exam Life Insurance What you believe to be the case about no medical life insurance may not actually be true.
Getting life insurance is a big decision, so of course, those shopping around for a policy that suits their needs want to do their due diligence when researching. Because many people have so many misconceptions about no medical exam life insurance, they may not consider this type of insurance as a legitimate option. With these 7 myths explained, no medical life insurance may be a serious contender when searching for life insurance policies.
Myth #1: Life Insurance With No Medical Exams Are The Only Option For People With Pre-Existing Conditions People with pre-existing conditions commonly believe that they will not qualify for traditional life insurance policies or that their life insurance premiums will be completely unaffordable, thus leaving them with no medical exam life insurance as their only option. While each situation will be evaluated by an insurance carrier, many people with pre-existing conditions would be surprised to learn that they can still get a traditional policy at an affordable rate. In fact, there are very few pre-existing conditions that would disqualify someone from a traditional life insurance policy. Some of the medical conditions that may disqualify someone from traditional life insurance may include but are not limited to:
Myth #2: People Can Only Get No Medical Exam Life Insurance If They Are Old Age is a determining factor that does indeed play part in life insurance premiums and rates. Generally speaking, someone young is expected to have a longer life expectancy than someone who is a bit older and therefore is a lower risk to life insurance companies. Just because someone is young and in good health doesn’t mean they can’t also consider life insurance with no medical exams. While they are more likely to get a lower premium and higher coverage amounts with traditional life insurance options, young people can still get quotes for policy options that do not require a medical exam. While some types do require applicants to be within a certain age range or have certain health issues, not all do. So, both traditional and no medical life insurance options should be considered. On the flip side, just because someone is older, that doesn’t necessarily mean that no medical exam life insurance policies are their only option. Traditional insurance policies may have a higher premium rate and lower coverage, but older adults are still very likely to be approved for a policy of some type if they are in good health. Myth #3: People Only Qualify for No Medical Exam Life Insurance If They Are Sick While life insurance policies that do not require a medical exam are great for people who have been denied coverage from traditional policies because of their health, that’s not the only reason why someone may want to get this type of policy. In fact, people in perfect health may still prefer policies that don’t require a medical exam. Here are some common examples of why that may be the case:
Myth #4: No Medical Exam Life Insurance Applications Will Not Ask Any Medical Questions Of course, much like the name suggests, when applying for life insurance with no medical exam, there will be no medical exam needed. However, many people assume that the application process requires no medical information at all. In actuality, that is dependent on the type of life insurance policy someone applies for, so someone may still need to answer questions about their own health or their family’s health history. For example, a simplified life insurance application will ask the applicant a few questions about their medical history in order to determine the coverage and premium amount. On the other hand, guaranteed life insurance will not ask any medical questions at all. Myth #5: No Medical Exam Life Insurance Is Unaffordable Typically speaking, a life insurance policy that does not require a medical exam does tend to be more expensive than that of a traditional life insurance policy. Because companies do not take as much medical information into consideration, policyholders are automatically considered a higher risk. That’s why premiums tend to be a bit more expensive. What someone considers affordable is dependent on their own personal situation. However, with options to work with a broker or an agent or shop around to compare quotes online, it is possible to find an affordable life insurance policy that does not require a medical exam. Myth #6: Life Insurance Policies With No Medical Exams Can Provide Similar Coverage as Traditional Life Insurance Policies When comparing the coverage of traditional life insurance policies to policies that do not require a medical exam, more often than not, policyholders are often able to get a much higher amount of coverage with a traditional policy. A no medical exam life insurance policy, like guaranteed life insurance, may only cover up to $25,000, whereas a traditional life insurance policy can often offer a much higher coverage amount. Sacrificing a medical exam for life insurance does come at a cost in most cases. However, many people are able to find the appropriate amount of coverage they need as they shop around for different options. Myth #7: Coverage Is Instant Once Approved Many people assume that when they are approved for a life insurance policy without taking a medical exam, they have instant coverage. This is not always the case and absolutely depends on the type of life insurance policy. With a simplified life insurance policy, the policyholder is covered as soon as they are approved. With a guaranteed life insurance policy, the policyholder has to go through a waiting period between 2-3 years depending on the company and the policy details. It is always best to double-check when the coverage goes into effect when getting a life insurance policy. Common Types of No Medical Exam Life Insurance Policies Explaining the top 3 most common types of life insurance options that do not require a medical exam
No medical exam life insurance policies are not just for people with serious medical conditions, though it can be a good option in those instances. As people shop around for a life insurance policy that works for them, no medical exam policies should be considered in the running just in case one does fit their lifestyle and needs. Of the most common types of no medical life insurance policies, people typically consider accelerated term life insurance, simplified life insurance, and guaranteed life insurance.
Accelerated Term Life Insurance While there used to be a time when someone could only get life insurance through a broker or an agent, that’s just not the case anymore. With more and more life insurance options popping up online, life insurance policies are only getting more accessible. Now, it’s even possible to get no exam term life insurance policies under an accelerated process. Accelerated term life insurance is not something that’s offered by every life insurance provider, but it is becoming much more popular. It’s the same as a traditional life insurance policy, however, the application is much simpler and faster. In this case, an applicant would provide details about previous health records, financial information, and lifestyle habits. With these details, companies opt to use algorithms to bypass the need for a human underwriter to review the application. Depending on the applicant’s situation, they can get a fairly high coverage amount for an affordable rate. Despite the simplicity, if someone is in poor health or has a family history of serious medical conditions, they may be denied coverage. An accelerated approach to term life insurance is a great option for people in good health who need coverage quickly, but may not be the best option if they have serious health issues. Guaranteed Life Insurance Guaranteed life insurance is a common type of policy that does not require a medical exam. In this instance, when someone applies for a guaranteed life insurance policy, not only is the medical exam not required but there is also no requirement for the applicant to answer any type of health questionnaire or give any information about medical history records. In an instance where health problems disqualify someone from getting any other type of life insurance, guaranteed life insurance is typically the best option. Because many of the people who get guaranteed life insurance are in poor health, life insurance providers view guaranteed life insurance policyholders as a high risk. Because of that, guaranteed life insurance policies have small death benefits, high premiums, and long waiting periods until death benefits kick in. While it does depend on the company and the policy, people who get guaranteed life insurance can expect to only get a death benefit between around $2,000-$25,000. The waiting period for this type of insurance is on average between 2-3 years, so if the policyholder dies before that waiting period is over, the death benefit is not paid out. With this being said, life insurance providers will repay the premiums of the policyholder, oftentimes with interest. Simplified Life Insurance Simplified life insurance is a type of no medical exam policy with an extremely short and simple application process. While the applicant doesn’t have to take the medical exam, the application for simplified life insurance policies does tend to ask a few health questions, though that portion is fairly brief. The health questionnaire allows life insurance companies to assess an applicant's health risks in a modified format so that they can set appropriate death benefits and premiums. While the process of getting a traditional life insurance policy can take anywhere from 1-2 months, a simplified life insurance policy may only take days for coverage to go into effect once approved. Beyond the benefit of not taking a medical exam, people typically opt for a simplified life insurance policy if they need coverage quickly. In comparison to guaranteed life insurance, simplified life insurance policies may offer a higher death benefit, which can be anywhere between $5,000-$100,000. Though premiums are a bit higher than traditional life insurance policies, simplified life insurance policies are a good route for people who need life insurance quickly. Finding a life insurance policy can be a tough decision, and limiting the options only makes that decision harder. With these misconceptions about no medical exam life insurance policies explained, this type of insurance may no longer be ruled out as an option. Though no medical exam life insurance policies may not be the best option for everyone, they could be the right option for you.
Guest post provided by Bounce - instantly find locations nearby to drop off your luggage wherever you go!
At the western end of Long Island, Brooklyn is a fantastic place for a family trip with all of the beaches and parks in the borough. It may be small, but it has the most people in the state of New York with over 2.6 million residents. Everyone has heard of the Brooklyn Bridge, but there is a lot more to Brooklyn than that.
Brooklyn has over 30 museums with a children’s museum, toy museum, and museum of food and drink that kids of all ages will love. And just a quick train, bus, or Uber ride away, you cannot forget the Empire State Building and Statue of Liberty! But you cannot bring your luggage, so drop it off at a Brooklyn luggage storage facility before starting to explore.
Museums
Theme Parks
Attractions
Animal Fun
Between all these visits, you have to stop and eat. Shake Shack is a favorite for families with locations throughout Brooklyn and New York City. Stage Door Deli and Pizzeria in lower Manhattan has sandwiches, pizza, and all kinds of other yummy foods. And for dessert, go to Laboratorio del Gelato in NYC's Lower East Side (or New JerseY) where they have 15 kinds of chocolate and 40 flavors of fruit gelato.
To further plan your visit (or staycation if you're a NYC local), check out some of these great resources:
By taking better care of our teeth and gums, we can cut down on costly dental procedures and have a more beautiful and healthy smile! Brush twice a day and floss daily. We know, we know...
But did you know a good sonic toothbrush can help clean your teeth significantly better?? Or so says my kids' dentist, anyway! Now there's a SMART sonic toothbrush that PAIRS TO AN APP to suggest which mode is best for your teeth, to monitor how well you brush, remind you when to replace your toothbrush head, and so much more!! Watch my unboxing and demo below and read on for more details and learn how to buy yours from Beheart, who sponsored this review! What makes this electronic toothbrush so special? Well, let's see...
I was once a queen of the stroller review scene. We've owned and reviewed a dozen or so strollers over the years of my twins plus one being little. From tiny travel sized strollers to a triple stroller and everything in between. It's been a few years so I was really excited for this collaboration with Mompush, who sent me their Ultimate 2 Stroller to review and share with you all!! Check out my full unboxing, demo, and review video (embedded right below) and keep reading for more details and my affiliate link (this bad boy comes with SO MUCH GREAT STUFF and sells for under $500 - I can't even believe it!!)
What comes with the Mompush Ultimate 2 Stroller??
The Bassinet
It lays quite flat for easy storage and is quick to pop up and lock into bassinet mode. There is a thick foam insert so it'll be comfy for newborns, though I highly advise buying an infant head support pillow like this one (just don't use it in a car seat!). It comes with a nice thick cover you can zipper on to keep baby warmer, that is easy to zip open or remove completely in warmer months. The canopy is a good size with a quiet (no velcro) peekaboo mesh window, and there's a canopy extension panel you can zip on to make it go past the vertical point, which is great for nap time!! The leatherette belly bar can be used as a handle on the bassinet, giving it a beautiful look and making it easy to transport the bassinet, just don't pick it up with baby inside. Maximum weight for the bassinet is 9kg (about 20 pounds) and you'll want to make sure you stop using it before baby can sit up or pull up as there is no seat belt or strap in it. The bassinet is designed to lay at a slight angle so that baby's head will never be downward, which is great! It jiggles ever so slightly when walking, completely safe and normal movement that may actually help lull your little one to sleep!!
The Toddler Seat
Stick with the bassinet or car seat until baby is at least 6 months old and can sit up unaided, then you're ready for the toddler seat! With a maximum weight capacity of 50 pounds, this toddler seat has a nice 5 point harness and reclines from nice and vertical to fully flat position with an easy one-handed recline lever! It has an adjustable foot rest making for a super comfy ride! It's really quick and easy to reverse the seat from forward facing to parent facing, which I've always found a great feature in strollers. I like to have baby facing me for walks, but if we're going out and needing them to take a nap, I face them forward and don't fight sleep as hard. The canopy is amazing, going past vertical, with a special zippered section that is fully mesh and great for strolling in warmer months. It also has a silent (no velcro) peekaboo mesh window.
Why I love it:
The Mompush Ultimate 2 Stroller comes in 3 great colors!!
Click my affiliate link to buy one on Amazon today or check it out on mompush.com!
Disclaimer: This post was sponsored by Primary but all thoughts and opinions are my own :)
Looking for CUTE and QUALITY clothes for babies through big kids? Look no further than Primary and shout it out loud with me y'all: EVERY COLOR FOR EVERY KID!!!!! YESSSSS!!!!! Primary does not have boys and girls listings and I couldn't love that more. You simply shop by size (from newborn through 14Y, and some coordinating tops for grownups, too), by color, or by clothing type (ex. underwear, tees, dresses, etc). On their FAQ page, they say, "Clothes and colors don’t have genders, so it never made sense to us to organize them as if they do. We make dresses for kids who wear dresses, pants for kids who wear pants, PJs for kids who wear PJs. We make the clothes, but kids make the choices."
We have a $75 gift card to Primary.com in my 2021 Back to School Giveaway, enter to win that at the bottom of the post, but FIRST, check out our family's ADORABLE unboxing and fashion show of some coordinating threads we just got from Primary!
We decided to go with the "Lollipop" coordinating colors, since they were nice and bright and a color kinda between red and hot pink that we all love! I was a bit disappointed the "Lollipop Henley Tee" we got for my son wasn't a 100% match to the reds in the rest of our clothes. It's "heathered" and actually says that in the product description which I didn't bother reading, whoooops! But it still works, let's him stand out a bit, and maybe good for us to not be so obnoxiously matchy matchy LOL!
On the left, Emi is wearing the Swing Tee (on sale now for $9.50) and Skinny Jeans ($29.50) in dark wash. She usually wears a size 5 so we went for the 6/7 and it's a bit big but fits nicely. The size 6 skinny jeans fit great! Emi is a great example of why kids clothing shouldn't be sorted by gender. She would choose big brother's baggy hand me down tee and soccer shorts over a dress any day. She can't explain why she likes what she likes, and doesn't like what she doesn't like. She just does! I wasn't sure if she'd go for the Swing Tee because she usually vetoes any kind of frill or poof, but she likes it, and LOOOOOOOOVES her new jeans! Phew!
In the middle, Mia is wearing the Recess Dress (on sale now for $12.50) and purple leggings part of the Raspberry Mix 3-pack of leggings ($36). She's quite petite and usually wears a 4/5; this dress is a 6/7 which is why it's kinda swimming on her, but hey, we'll get a few years' wear out of it!! She can't stop spinning and swirling in this. She's hilarious! She's team skirts and dresses for life I think! As mentioned above, Kenzo on right is in the Lollipop Henley Tee (on sale for $12.50). He usually wears a size 8 and the size 8/9 and it fits perfectly. He's also wearing the slim jeans ($29.50), size 8. He usually fights me on jeans, choosing joggers instead because, obviously, they're more comfortable! (I hear ya kid, I live in my leggings!) But these have more stretch than jeans he's worn before, so I think he's sold. Which is awesome because he's going back to school in September after 1.5 years at home and I really don't want him at school in jogging pants every day. But, then again, probably not a battle should be worrying about! Below I've got my son's slim jeans next to my daughter's skinny jeans. Obviously they're different sizes but you can see the skinny leg is slightly more tapered at the ankle. They both feature adjustable waists with elastic and buttons inside. AND they both feature real pockets, real belt loops, real zipper, and a FAKE OUTTER BUTTON - yes, they snap! EASY PEASY. They're both a great denim material with a good stretch to them (73% cotton, 25% recycled polyester, 2% spandex).
My husband is 5'7" and usually wears a Men's Small - the Small Classic Fit Tee ($18) fits him perfectly. I'm 5'8" and usually wear a women's Small or Medium - the Small Slim Fit V-Neck ($18) fits me perfectly. You can see in the below photo (I hope) how they are cut slightly differently, I would say they pretty much correspond to traditional sizes in Men's for Classic and Women's for slim fit, which has shorter and more narrow cut arms/shoulders, and a shorter cut length. Ours don't seem any different width wise, or not significantly. They're both super soft loose fitting tees, not skin hugging or anything.
We had fun picking out our coordinating family outfits, and look forward to doing more Back to School clothes shopping with Primary (they have washable cotton masks with removable filters for adults and kids, too)!!!
Don't forget, you can win $75 shop credit to Primary.com in our $500+ Value Jackpot Back to School Giveaway running through August 17, 2021!! Enter to WIN Here!! |
About ME:I'm a NYC metro area mom blogger living in NJ with my Japanese husband & our 3 kids (twins plus 1), focusing on fun and honest product and travel reviews, saving moms time finding the best for their families! Find what you need in the menu bar or search section above! Categories
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