Tag Archive | Parenting Tips and Advice at Uplifting Families

5 Things News Parents Need to Know About Life Insurance


As a parent, you would likely agree that the birth of your child is one of the most memorable experiences of your life. Nine months of planning, debating over baby names, and picking nursery colors all leading up to a single moment of joy when the baby finally arrives. But then things get real, and you realize your most important job on earth is to ensure this tiny human being is cared for in the best way possible.

You’ve done everything you can to prepare – you’ve read the best books, bought the safest car seat, hoarded months’ worth of bath supplies, wipes and diapers in the garage – and swear you’ll never let your baby out of your sight until they graduate high school. But have you also thought about how to protect your family financially in the event you aren’t around?

Your new little one’s long-term financial security is up to you, which is why it’s time to consider life insurance. A life insurance policy is an essential part of your family’s financial safety net. The proceeds of a term life insurance policy can be used to help pay for a number of financial needs, such as mortgage payments, childcare, and other day-to-day living expenses. Here are a few things to know when shopping for life insurance.

Life Insurance Probably Costs Less Than You Think

One of the greatest misconceptions about life insurance is that it is too expensive, and an affordable policy is out of reach. However, across the board, term life insurance policies are much more affordable than many people realize – especially if you buy while you’re young and healthy. For example, a healthy 30-year-old woman could buy a 30-year, $750,000 Haven Term policy, issued by MassMutual, for about $36 per month.

Term life insurance is a budget-friendly way to help financially protect your growing family. It’s possible that the monthly premium for hundreds of thousands of dollars in term life insurance coverage could be around the same price as a month’s supply of diapers.

Employer-Provided Life Insurance Usually Isn’t Enough

Life insurance through your employer is a great work perk. However, if you have a spouse and children who rely on your income, employer-provided life insurance can leave you underinsured.

Many employer-provided policies offer coverage that’s only one to two times your annual income. Yet, experts recommend having coverage that’s five to 10 times your salary. Additionally, once you leave your job, employer coverage usually ends or an option to convert it might be available, but it’s at a more expensive rate.

Stay-at-Home Parents Are Very Valuable

Some might think a stay-at-home parent doesn’t need a life insurance policy because they aren’t providing financially for the family. This couldn’t be further from the truth.

While a stay-at-home parent might not be putting cash in the bank, they are definitely preventing a family from spending it. Stay-at-home parents spend their busy days watching children, taking care of the house, running errands, cooking and more. In fact, according to an annual survey from Salary.com, if you add up a stay-at-home parent’s responsibilities, they would work 92 hours each week and earn about $143,102 for all the work they do.

If your spouse is the primary daily caregiver while you’re at work, could you afford to pay for comparable daycare if they were no longer around? What about a housekeeper to help with weekly chores, or a tutor to assist children with homework? While parents are irreplaceable, the proceeds of a life insurance policy can help bridge financial gaps that arise from paying for this type of support.

Ratings Matter

When it comes to choosing a car or a stroller, parents are always looking for products that have the best ratings, whether it’s for safety or popularity. Well, when shopping for life insurance, ratings should matter too.

Ratings are important within the life insurance industry because they are an indicator of the ratings agency’s opinion of the financial stability of the issuing company and its ability to meet financial obligations, like pay out claims.  When you’ve paid out your hard-earned money to put insurance protection in place for your family, the last thing you want as a parent is to worry about whether your insurance provider will be able to pay out when you need it most.

You Can Buy Quality Coverage Online

Yes, you read that right – you can buy dependable life insurance coverage online. Life insurance is an important component of a financial plan, and you shouldn’t have to move mountains to get it. That’s why Haven Life offers a simple, affordable way to apply for and, if approved, buy dependable term life insurance coverage. Even better, the Haven Term policy is issued by MassMutual, a leading life insurance company with an A++ rating from A.M. Best —  that’s the highest mark you can get from that particular rating agency*.

There are enough things to worry about as a new parent but the financial security of your family shouldn’t be one of them. Taking the time to get covered now provides the peace of mind necessary for you to focus on the day-to-day with your baby instead of the worst-case scenario. You’ve done all of your planning and you’re ready to be a great parent – now check “get life insurance” off your to-do list too.

This post is sponsored by Haven Life Insurance Agency. Haven Life is a life insurance startup, backed and wholly owned by MassMutual, that offers a simple online experience for buying high-quality and affordable coverage. Driven by a mission to make life less hard, we’re transforming the typically time-consuming and confusing process of buying life insurance into one that’s easier, faster and just plain better.

Haven Term is a Term Life Insurance Policy (ICC15DTC) issued by Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111 and offered exclusively through Haven Life Insurance Agency, LLC. Not all riders are available in all states. Our Agency license number in California is 0K71922 and in Arkansas, 100139527.

*MassMutual and its subsidiaries C.M. Life Insurance Company and MML Bay State Life Insurance Company are rated by A.M. Best Company as A++ (Superior; Top category of 15). The rating is as of March 1, 2018 and is subject to change. MassMutual has received different ratings from other rating agencies.


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4 Health and Safety Tips for Sports Parents

What dad isn’t happy to learn that their kid wants to participate in sports? Not only is it a great way for you guys to bond, it also provides an opportunity for your child to develop new skills, meet new people, and maintain a healthy lifestyle. Now that you’re a sports dad, you’ll need to be an integral part of their support system. For your kids to be the best athletes they can, you’ll need to make sure that they are healthy both physically and mentally. Check out these health tips below.

 Visit the Doctor

Just like pro athletes are required to get physicals and see doctors to ensure they’re fit for the game, you’ll want to make sure that your child is in the best health possible. Something as simple as an annual physical, can ensure that your child is growing at the right height and weight for their age, and more importantly that they’re healthy enough inside and out to withstand the demand of playing sports.

The doctor is also the one you turn to when there are signs of trouble. For instance, if your child is under developing physically, your doctor might provide insight around potential growth supplements and discuss facts about hgh for children to improve their growth and development. Before your child enrolls in a sport, whether required by the school or not, be sure they’ve been fully checked to ensure their health and safety.

Make Sure They Eat Right

Your little one will be very active during practices and games, and requires the right type of fuel to ensure they can withstand the increase in activity. Now, more than ever, it will be necessary to feed them foods packed with vitamins and nutrients they’ll need such as protein, carbs, and vitamin c. Not only should your kid be eating three meals per day, but they should also have healthy snacks in between. This includes game day. Instead of fueling them up on sports drinks and junk food, make sure they’re drinking plenty of water. Snack ideas might include fresh fruit, raw veggies and dip, cereal or granola bars, or perhaps some yogurt.

Focus on the Fun of It

Every parent wants their kids to win, but when you get caught up in wins or losses, it takes the fun out of the sport for your child. As no team wins all the time, it is best to just focus on the positive moments and encourage them to work harder to win the next time. “Good job! You’re getting better on the field” goes a long way in the mind of a child who really wanted a win.

The same goes for wins! You want to teach good sportsmanship and the best way to do that is to celebrate the win, but not so aggressively that the other team feels bad. Remind your child to shake the hand of the other team and compliment their efforts.

Safety First

Whether practicing at home, at school or playing on game day it is important to keep safety first. Make sure that your child is wearing safety gear appropriately and at all times. Stress the importance of paying attention and following the rules of the game to ensure no one gets hurt. It is important that your children know that although they’re having fun playing the sport, the truth is it can be dangerous if they’re not careful and alert.

Being a sports dad is a very rewarding experience. It is a great way to connect with your child on a different level. It also helps them to develop new skills and stay active. To ensure that your kid can provide the best performance on game day, it is important to make sure you’re committed to their overall health. Make sure they’re keeping up with doctor’s appointments, eating well-balanced meals and snacks, and of course wearing the correct gear for protection. Most importantly, make sure to keep the fun of the sport at the forefront of your mind so that it doesn’t become too stressful for you or your kids.

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Being the Best Parents for Your Children Means Supporting Your Spouse

Every new, expectant, and experienced parent only wants what’s best for their children. In order to accomplish this goal, the parents must be willing to work together. This means learning how to be an effective team, to support each other through the ups and downs of raising children (and life in general), and how to encourage each other to be the very best versions of yourself. Essentially, if you want your children to have a solid foundation in life, you must learn how to create a healthy and uplifting relationship for your kids to model after.

Words of Encouragement

Whether life is pretty good or you’re presently going through a personal struggle, your words can be instrumental in showing love and support to your spouse. Statements like, “I believe in you”, “You inspire me”, and “I’m proud of you can be all it takes to encourage your spouse to be the best they can every day. They can also be the very words that help to get them out of a rut like addiction, mental illness, or the loss of a loved one.

Support Through Action

Words are great and can be just the boost your partner needs to accomplish their life goals. However, that is not the only form of support you should be showing your spouse. They also need to see your support in the form of action. If your significant other has a dream business idea, for instance, you can take action by giving them money to invest in it, pitching in with household chores while they dedicate extra hours to that dream, or offering your skills and experience to help push their idea forward. The same type of supportive action can be shown by learning more about a drug rehab in Colorado, whether an inpatient or outpatient program (or whichever location is most convenient), and providing this advice to a spouse who is struggling with addiction.


Here’s one supportive measure that many adults overlook when they’ve been together for years – self-care. Your appearance, physical, and mental health are all part of encouraging your spouse to do better daily. Remember, you are a team when one team member takes the time to care for themselves, they’re saying to their spouse that the relationship is worth being happy and healthy. Keep a clean appearance, eat right, get sleep, have a healthy social life, and stay on top of your physical and emotional well-being. When your partner sees you at your best, they will be pushed to want to emulate that in themselves.

Carry Your Own Baggage

Many adults have gone through complicated life experiences that have altered or hindered their ability to properly love or be in a healthy relationship. They carry this “emotional baggage” around with them and unknowingly toss it to their partner to hold (along with their own baggage). After a while, the weight of all the baggage leads your spouse to feel resentment or overwhelmed, reducing the amount of time and energy they have to focus on improving themselves.

Though your spouse is your helpmate, your past experiences and the emotional scarring that came from it, are yours and yours alone to carry. Deal with your past and the issues you’ve carried with you and learn how to cope with those emotions and experiences in a positive way. Seeing you emotionally healthy and actively working towards your personal problems will encourage your spouse to want to do the same.

You and your spouse are your children’s first examples of who they are supposed to be as adults, and how they should navigate life. You can’t expect them to accomplish this if you aren’t working together as a unit to show them. Have a talk with your spouse and discuss the importance of supporting, encouraging, and motivating each other to be the best versions of yourselves and how this process will strengthen your family.

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Getting Back in Shape after Second Pregnancy

Pregnancy is a beautiful thing, and there is something particularly charming about the round belly and chubby cheeks. Once the child is born, the only chubby cheeks and the round belly should be those of the baby. If you want to make sure that this applies to you, there are a couple of things you need to pay attention to.

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Pre-labor diet

You can set up the grounds for an effective weight-loss process while you are still pregnant. The rule number one is obviously to stay within the recommended 35lbs. When this is the case, most of the fat comes off with the baby.

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No matter what your mother in law says, you are not eating for two. You should not worry about the amount, but the quality of food you take in. Make sure your diet is versatile and includes a lot of vitamins and healthy nutrients. Speaking of vitamins, do not overeat on fruit, it contains a lot of sugar. Avoid sweets for the same reason.


Pre-labor exercise routine

Unless you are experiencing difficulties, which entail strict bedrest, you should stay active throughout your pregnancy. This will help you gain less weight and stay in good physical shape. Also, most fit moms have better control of their body and easier labor. When selecting the type of activity, be aware of the restraints imposed by your condition and do not exert yourself.

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Exercise 30 mins a day, 4-5 days of the week by engaging in activities such as walking, brisk walking, light resistance training, swimming, stationary cycling, as well as Pilates and yoga designed for pregnancy. Your muscles are more likely to remember where they used to be if you keep on exercising.



Did you know that a percentage of the fat you store during pregnancy is created as an energy supply for your baby after it is born? Nursing your baby is one of the best things you can do for both of you. By drinking breast milk, the baby will get a balanced diet and protection from bacteria and viruses. What you will get from it, apart from the bonding experience, is a natural way of losing weight.

It is estimated that breastfeeding uses up 500 calories a day, which is about one-quarter of your daily intake and exactly how much you need to lose in order to drop a pound each week. Anyone who has ever had a chance to breastfeed will tell you that it drains the energy out of you. You will instantly feel sleepy and have a gaping hole in your stomach. Resist to fill the hole every time and maintain your regular meals plan.


Wear a girdle

The actual physical effects that wearing a girdle has on weight loss are still a matter of debate. However, the thing a girdle can do for you is keep everything tucked in, which could if nothing else, make you feel better and more confident. It will help drain the excess water. Also, it is very tight, so you will be able to eat less. Unrelated to weight loss, it can help maintain posture and reduce back pain. Some people swear it did help them, some doctors say it doesn’t make sense… It is definitely worth trying, at least for the sake of eating less and feeling more confident which is a good place to start.


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Exercising regularly after the labor is even more important than it is during the pregnancy. They key is in maintaining a routine and not allowing yourself to be inactive. With two kids around, it may be very difficult to find the time, however, it is crucial that you do. Use naps and playtime to be active. Ask your partner to jump in and cover for you for an hour.

Alternatively, squeeze in 30 mins of strength training or look up short easy-to-do exercise routines fit for busy schedules. Also, do not forget that your kids need fresh air so take them out for a walk every day, it will be good for all three of you. This is only a problem with winter newborns in areas with extreme weather conditions.

Eat well

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Instead of simply counting calories, watch what you eat. Take a lot of fresh green vegetables with each meal. Combine them with lean protein. Make a protein powder shake when you need a quick meal. Avoid carbs found in white flour and sugar. Take natural sugar through fruit rich in fiber instead of eating a candy bar. Watch the quantities, the vegetables are meant to fill you up during the meal, and the protein will keep you full for a long period of time. Drink a lot of water and take fish oil pills to speed up your metabolism.


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Culture and Comfort: 3 Reasons Thailand is a Great Choice for Your Next Vacation

It’s called the Land of Smiles and there’s year-round sunshine. It’s rich in culture, the food is fantastic and it’s easy to survive on a tight budget. It’s Thailand and it would make a great vacation choice.  Here are three reasons why.

The People are amazing

Thai culture and language may be completely different to what you’re used to back home, but you’ll probably settle in quickly. The people are very friendly and welcoming to visitors. Taxi drivers, hotel staff, shop attendants and complete strangers are likely to offer whatever assistance you need. They will also try their best to speak English if they realize you don’t know much Thai. You may even be lucky enough to be invited to one of their family-style meals. The national motto is mai pen rai which is translated as don’t worry or it’s okay. Thai people seem to live with this in mind so enjoy the carefree vibe.

The beaches are plentiful

The country has over 1 500 miles of coastline and while some stretches are filled with tourists basking in the sun, others are secluded and quiet. Patong Beach in Phuket is one of the more popular options with a wide expanse of soft white sand and several hotels and shopping options nearby. Hua Hin Beach is also popular thanks to its flat stretches and exciting activities. It is also easy to reach from Bangkok’s popular hotels like  Courtyard by Marriott Bangkok. Try Freedom Beach in Phuket and Sunset Beach on Koh Kradan if you want peace and quiet.

There’s lots to do

From markets and temples to nightlife and festivals, you will never be bored in Thailand. The vast majority of Thais are Buddhists and there are 40 000 temples across the country. The structures vary depending on the era in which they were built so you won’t be short of beautiful sights.  The markets shouldn’t be missed. They offer a wide variety of items for sale including antiques and clothing, so you never know what you will find. Be prepared to battle some crowds.

If you’re a night owl, there are many options to choose from. Backpackers love Khao San Road with its seemingly unlimited booze while others head for the red light districts across Bangkok, Pattaya and Phuket. Reggae and jazz bars are also plentiful in Bangkok. Religious or lunar calendar-related festivals abound. No matter what time of year you visit, you may very well happen upon one. You may even want to plan your entire holiday around one of them. How about Songkran which includes a massive water fight?

Another great thing about Thailand is that it’s easy to get around once you’re there. A number of budget airlines make frequent flights between cities and they can be quite affordable especially during off-peak season.

Whether you’re travelling solo, with friends or with your family, Thailand has something to offer. You can relax on the beach and get a tan, learn about Buddhist culture, take in the markets for some retail therapy or party it up in the clubs. The choice is yours.


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Diet and Exercise Requirements for Women in Their 20s, 30s, 40s, 50s, and Beyond

As you gracefully age, the need to beef up self-care practices like diet and exercise increases. Your body, as with anything that’s been functioning for decades, requires more effort to remain healthy. Increasing your intake of certain vitamins, nutrients, and minerals and your physical activity will be required if you want to look and feel your best. Below is a brief breakdown of how you’ll need to change your diet and exercise habits every decade.

Diet and Exercise Guidelines in Your 20’s

At 20 years old, your body is at the top of its game. Chances are you’re very active at this point and have a fast metabolism. Unless you have pre-existing conditions, it is safe to assume that most women in their 20s are at their best physically and may not require much exercise or diet restrictions to maintain a healthy weight. Here’s a look at some requirements in your 20s.

Key Vitamins and Nutrients

Though a daily multivitamin is recommended, women in their 20s should consume foods that contain:

  • Protein – An essential part of helping to build and sustain calorie-burning muscle, protein should be a significant part of your diet in your 20s. You can find adequate sources in foods like lean meats, beans, nuts, fruits, and veggies.
  • Potassium – To maintain strong muscle and heart function, potassium should be incorporated into your daily diet. You can find high levels of potassium in fruits such as bananas or starches like sweet potatoes.
  • Omega 3 Fats – As depression and other mental health problems can be prevalent at this age, it is necessary to consume a regular dose of omega 3 fats. Helping the brain produce serotonin, is known as the feel-good chemical required to sustain a positive outlook.

Exercise Requirements

Though you may not need to be too active to feel and look good, it is ideal to build a strong foundation for physical fitness in your 20s. You will lose muscle mass and strength as you age so cultivating a routine now is recommended. Start strength training now for 30 minutes at least two to three times per week.

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Diet and Exercise Guidelines in Your 30’s

In your 30’s you’ve likely started to get a little less active in life as your responsibilities have increased. Whether you’re starting a family or focusing on your career, diet and exercise may take a lesser priority. Below are some diet and exercise advice:

Key Vitamins and Nutrients

  • Folate – Great for both sustaining a healthy pregnancy and preventing heart disease
  • Phytonutrients – Packed with antioxidants that can help slow the process of aging
  • Iron – necessary for proper brain and muscle function

Exercise Requirements

Diversifying your exercise and increasing how frequently you work out is necessary once you reach your 30s. Start switching up the type of physical activities you participate in. Swimming, dancing, cardio, and strength training, for instance, are great for switching things up. Also, try to reach a goal of 30 minutes per day five days per week.

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Diet and Exercise Guidelines in Your 40’s

In your 40s, you’re most likely finished with having children and in your late 40s may be nearing premenopausal age. In your 40s, your diet and exercise requirements may change.

Key Vitamins and Nutrients

Calcium – Recommended for bone health

Vitamin D – aids in the absorption of calcium, boosts the immune system and helps to prevent breast and colon cancer.

Fiber – Improves digestive function and reduces bloating

Exercise Requirements

Start improving muscle by engaging in resistance training. Improve bone health with weight-bearing cardiovascular workouts. An improve flexible with exercises like yoga.

Diet and Exercise Guidelines in Your 50’s and Beyond

At this age, menopause could happen at any time. To ensure your body can recover from such a dramatic change, it is recommended that you bump up your efforts to care for yourself.

Key Vitamins or Nutrients

To prepare your body for menopause, women aged 50 and older should consume all of the above-mentioned vitamins and nutrients, particularly those that support bone health.

Exercise Requirements

Weight loss during and after menopause will require a boost in both diet and exercise. It is recommended that you maintain a regular exercise routine that includes both strength training and supports bone health.

You only get one body, and therefore, it is a good idea to take care of it. To ensure that you sustain a decent quality of life you will need to change routines and habits to adjust to your lifestyle, physical, and hormonal changes. Hopefully, this guide has given you an idea on how to get started. For more specialized requirements it is best to consult a doctor and/or nutritionist.

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Tips to Making Your Money Work Harder for Your Family

Having enough money to support your family now and in the future is a goal that most adults have. Often working hard to earn a living, most households find it difficult to afford even the simplest necessities. While increasing your income can be one way of making sure you can afford the growing cost of living, there are other avenues that don’t require any extra hours in the office. Essentially, learning how to make your money work as hard as you do, can ease your financial stresses and prevent you from putting in long hours.

Get a Budget Together

How many times have you worked hard all week, received your paycheck, and the next day it’s gone, and you have no idea what you spent it on? A budget helps your money work better for you. It is a clear picture of what your household expenses in relation to your income. It allows you to make sure that your money is doing what it’s supposed to do – taking care of your family and not being frivolously spent.

Budgeting helps you to reach your financial goals and trim a lot of waste out of your spending habits. When you learn how to effectively manage your money, you can make more informed financial decisions that will eventually allow you to keep more money than you’re giving away. There are online budgeting tools that you can use to make it easier to create and stick to. Certain applications allow you to create a budget and set goals to keep you focused on the end game.

Get Rid of Debt

Debt is the biggest income waster of all. If you didn’t have to pay a credit card bill, car note, student loan, or mortgage, just think of the amount of money you could be saving, investing, or spending on things you enjoy? Yes, loans are convenient for getting things you wouldn’t be able to otherwise afford, but the amount you spend in interest every year could be put to use elsewhere. Not to mention delinquent accounts that include late fees and collection charges which only eat away at your money further. The sooner you reduce your debts, the further your income spreads to you and your family.

If you’re dealing with a lot of debt, start with smaller, older accounts. As you pay them off, use the money you were contributing to those debts and apply it to larger ones. Eventually, you’ll start to see a dent in your debt and a boost in your credit history.

Invest Money

One of the best ways to make your money work for you and your family is to properly invest it. Investments can take your income from just enough to more than enough to handle everything in life. Whether you invest in the stock market or decide to dabble in real estate, an asset management firm can help you to evaluate your options to create a diversified portfolio that will maximize your earnings.

Save Money

They say you can’t take it with you, but if you want to make sure that your family is set after you’re gone, it’s probably a good idea to leave some behind. Not to mention, there are a lot of life milestones that will occur that will require a large amount of money. From having more children and getting married to sending them off to college and retiring, you’ll want to make sure you have a lot of money tucked away.

Saving also keeps you prepared for those unforeseen circumstances and emergencies. Having cash in an account you can easily access, limits your need to use credit cards or take out a loan which puts you back on the debt treadmill. As you begin budgeting and removing past debt, you’ll find that you have more money to put into savings.

It may seem like the only way to make sure that your family is financially provided for is to work harder, longer hours. While getting a new job or side hustle may be necessary, sometimes it just requires a bit more diligence and the right tools or service providers. In budgeting, eliminating debt, saving, and investing, you are putting your money to work for you, and ensuring that it will keep working – even when you’re not.


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