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Understanding your policy’s death benefit.

Q: How long does it take my beneficiaries to get my life insurance death benefit?

Once the death benefit claim form and a copy of the death certificate have been received by the carrier, beneficiaries typically receive the death benefit check in two weeks.

However, if the insured dies within the contest-ability period (which is typically two years) the death benefit may take longer because the life insurance company has the option to investigate the claim if they choose do to so.

Q: How do I know my beneficiaries will get paid the death benefit?

Life insurance companies are not in the business to rip people off.  As long as your policy is inforce at the time of your death (in other words, the premiums were paid up-to-date) your beneficiaries will receive the death benefit payout.  There are only a few exceptions to this, which we discuss in detail below.

Q: Are there any situations in which my life insurance policy won’t pay out?

There are three instances in which a life insurance company can choose to deny or reduce a term life insurance policy’s death benefit.

One: Contest-ability Period

Life insurance policies include what is called an Incontestability Clause.  This clause states that the life insurance company has a specific period of time (typically two years) to dispute the validity of the insured’s statements made on an application.  So, if you die within the contest-ability period, the life insurance company has the right to investigate the details of your medical history to ensure you did not misrepresent yourself on the application.

For example, stating that you did not smoke cigarettes when, in fact, you did up until the day you died.  In a situation like this, insurance companies have the right to withhold some of the death benefit from your beneficiaries or even deny the claim altogether.

Two: Suicide Clause

Another situation in which the life insurance company has the right to deny a death benefit is if the insured commits suicide within a certain period of time, again typically within two years.  In this situation, however, the life insurance company will return all premiums that have been paid to date to the family.

Three: Homicide

The last situation in which an insurance company may not pay a death benefit is if the insured was murdered.  If the insured was murdered, the life insurance company will typically call the police department involved and inquire as to whether or not the beneficiary of the policy is a suspect.

If the beneficiary is a suspect, the life insurance company will hold payment until the charges are dropped or the beneficiary is deemed not guilty of the crime.

Q: Will my term life insurance death benefit payout be taxed?

Term life insurance is the least complicated type of life insurance and in most cases your beneficiaries will not have to pay federal or state income taxes on the death benefit they receive.  Since the policy premiums are paid using after-tax dollars, Uncle Sam already got his cut.

There are two main exceptions to this rule:

  • Estate taxes
  • Gift taxes

If you own your own policy, the death benefit proceeds become part of your taxable estate.  If your estate exceeds the exclusion amount, which is over $5 million dollars, it can get taxed.  For most people, this isn’t an issue.

The second exception is what is known as “The Goodman Triangle.”  If the policy owner, insured, and beneficiary are three different people, the death benefit could count as a taxable gift to the beneficiary.

Q: How can I be sure my policy’s life insurance carrier will still be around when I die?

All major life insurance companies have financial strength ratings.  There are multiple agencies each with their own rating scales and standards that assess the long-term financial stability of these insurance companies.  These ratings typically follow the school-like A through F scale.  The higher the rating, the more stable the company is and the more likely the company will be able to pay future claims.

When you are looking to purchase life insurance, whatever means you are using to buy it through should tell you the insurance company’s rating.  Any company with an A rating or better is considered financially stable and you should not worry about any future claims not being paid out.

Natasha Cornelius is the content manager and editor for Quotacy.  She has worked in the life insurance industry since 2010 and has been making life insurance easier to understand with her writing since 2014.  A long-time Mint user, Natasha lives in Bozeman, Montana where she loves to garden, DIY anything she can, and explore beautiful Big Sky country.  Connect with her on LinkedIn.

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Source: mint.intuit.com

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Replacing your policy

I currently have a life insurance policy – could I get a better price elsewhere?

Save more, spend smarter, and make your money go further

The short answer is yes – it is possible to get a better price. The long answer is that it depends on quite a few factors, and there’s no guarantee that your price will drop with a second application.

One of the biggest things to keep in mind is your age. The older you are, the higher your chances of dying naturally, which will slowly increase the baseline price of a policy. Applying for a policy at 45 will be more expensive than applying at 35, all other things being equal.

When in doubt, work with a life insurance agency. They’ll be able to give you some insight into how much your price could drop if you switch to another carrier.

If my health has improved since I got my last policy, can I reapply for a better price?

Depending on how your health has improved and the amount of time that has passed since your previous application, you could see significant price drops.

For example, smoking is one of the priciest things that you can do with regard to a life insurance application, and typically, you need to have kicked the habit at least one year ago before life insurance carriers are willing to look past your tobacco history.

My last agent sold me a policy from the company he worked for. Can I get a better price if I shop around?

If your agent was captive, meaning they only represented one insurance company, the first thing that you should do is get a quote from an independent source that represents many. Because carriers jockey for position to undercut their competitors’ prices in certain situations, it’s possible that another carrier beats your current carrier in price.

Sometimes the difference in price will be pretty obvious from the get-go. If you can’t find a dramatic difference in price, it’s often wise to talk to an independent agent or online company and tell them the facts about your case. An experienced agency can help point you in the right direction by shopping your case around for preliminary price checks with various carriers.

Natasha Cornelius is the content manager and editor for Quotacy. She has worked in the life insurance industry since 2010 and has been making life insurance easier to understand with her writing since 2014. A long-time Mint user, Natasha lives in Bozeman, Montana where she loves to garden, DIY anything she can, and explore beautiful Big Sky country. Connect with her on LinkedIn.

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Source: mint.intuit.com

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These days, my monthly budget is on the boring side. Aside from our regular spending, I’ve got a mortgage payment to fork over, groceries to buy, and utility bills to pay. Throw in some payments to my kids’ 529 plans and my SEP-IRA and I’m basically done for the month. After all of the bills are paid, the key for us is making sure that the rest gets transferred into savings so that it doesn’t accidentally get spent.

But it wasn’t always this way, and I was reminded of that fact the other day when I was flipping through one of my old notebooks. That’s when I found our monthly zero-sum budget for August of 2010, and that’s when our old lifestyle smacked me right in the face. Want to know how many bills I paid in that month? Twenty-four.

Car payments, credit card bills, and personal loans, oh my. It’s no wonder we weren’t saving anything. Fortunately, it was easy to look at that old monthly budget and pinpoint the exact cause of our unfortunate situation. The problem: We financed everything and never, ever paid cash.

Low Monthly Payments for Life

Fact: You can have nearly anything you want.

I can too. We all can. Cars. Clothes. Diamonds. Trips to Hawaii. Almost any earthly possession you’ve ever laid your eyes on can be yours.

Well, kind of.

If you’re willing to make monthly payments for as long as it takes, whether it’s five years, ten, or twenty, then it can be yours. Does that sound tempting? Probably not.

But that’s exactly what we do. In the fourth quarter of 2013, U.S household debt swelled to a monstrous $11.52 trillion. Of course, some of the money was borrowed to purchase homes, pay for college, or start a business. A certain percentage can also be blamed on things like medical bills, unemployment, and emergencies. But the rest? My guess is boats, iPads, and designer shoes. Oh, and let’s not forget furniture, date nights, and family dinners at the Olive Garden. The rest is anyone’s guess.

Stop the Cycle

We all know how easy it is to trade your car in for another. You walk into the dealership, they look your trade over, and you pick out another, nicer car. Your new car payment could even be the same as it was before. Hell, it might even go down. But are you really doing yourself a favor by trading up without the cash in hand? The answer is probably no.

I’ve been there. My husband and I traded cars around more times than I could count, mostly just because we would. Looking back, I think we were just bored. And sadly, we weren’t able to see that there were real costs associated with constantly trading up. We only focused on the monthly payment, and never had the goal of actually paying them off.

Fortunately, we finally made the decision to change our lifestyle sometime around the time that that budget was made. And once we stopped the madness, we made one huge change that put an end to the cycle once and for all. We began paying cash for anything and everything, and we refused to add to the pile by financing things we couldn’t afford.

Turning an Awkward Moment Into a Learning Experience

In the meantime, we got serious about getting out of debt. Fortunately, it didn’t take long to knock out everything but the two biggest sums we owed — the loan for my minivan and my husband’s student loans. I still remember the day we paid both of them off once and for all. The total was well over $10,000 and it literally pained me to hit the keys that would initiate the automatic bank transfer. I mean, it hurt. That money was mine and was earned with my own blood, sweat, and tears. And if you subscribe to the theories espoused in books like Your Money or Your Life, that money was literally my life force, and it was getting sucked away by a stupid van that I overpaid for in the first place.

I still have that van. Want to know why? Because it’s paid off, as is everything else I own. And now I’m literally gonna drive that van until the wheels fall off, or until the engine finally gives up or explodes out of sheer exhaustion at maybe 500,000 miles. (A girl can dream, right?)

I learned something from our adventures in debt and from that final $10,000 payment — most notably that I never, ever want to go down that road again. Parting with that much money at once was painful. It burned. It made me uncomfortable. And now, years later, I’m convinced that that’s exactly how it should feel.

Pay Cash and Feel the Burn

Since then, we’ve paid for everything with cash including a car for my husband, furniture, home remodeling projects, and more. And even though it has sometimes been painful, our refusal to finance anything has been a game-changer for our financial future. Here’s why:

  • Paying in cash forces you to consider the real purchase price – No matter what you’re buying, the fact that you’re paying in cash turns it into an entirely different experience. That’s because you have no choice but to consider how much money you’re paying overall, and not just what you’ll have to pay on a monthly or yearly basis.
  • Paying in cash might help you spend less – When you force yourself to pay in cash, big ticket items start to lose their appeal. Try walking into a dealership with the intention of paying $15,000 or $20,000 for a newer car. All of a sudden, the prospect of keeping your old paid-off junker becomes an incredibly attractive option. Am I wrong?
  • Paying in cash keeps you out of debt – The best thing about refusing to finance things is that it keeps you out of debt in the first place. We all know what a slippery slope that can be. There are so many benefits to being debt-free, including the option to save more of your income, less stress, and of course, the feeling of not really being beholden to anyone. It’s a freeing feeling, and it’s one that I will never, ever surrender without a fight.

If you’re in debt and are ready to make a change, start by creating a debt snowball. Conquer each one of your debts one by one by one, and refuse to give up until you’re finally debt-free. Adopt the mindset that if you can’t afford to pay cash for something, then you can’t afford it. Period. Only then will you free yourself from the chains that bind you. Only then will experience the feeling of owing nothing to anyone and the unexplainable sense of freedom that comes with it.

Once you’ve done what you set out to do, force yourself onto a cash-only diet. Cut up your credit cards if you have to — and learn to pay for everything with the cash you’ve stashed away in your own accounts, not with other people’s money. Know that it may make you feel uncomfortable, and rest assured that it’s supposed to. Paying cash hurts, and it should hurt.

That burn you feel? It’s simply the price you pay for your freedom, and it’s totally worth it.
How do you feel about paying cash? Is it painful? Do you think it should be?

Source: getrichslowly.org

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You can have it all in Arkansas. If you move to one of these cool college towns, that is.

Arkansas, the Natural State, is known for its diverse landscapes, warm Southern hospitality and rich history. Amidst the rolling hills, lush forests and sparkling lakes, six cities stand out as the best college towns in Arkansas. These cities offer students a unique and fulfilling college experience, with top-notch educational institutions, diverse cultural attractions and a wealth of outdoor recreational opportunities.

Fayetteville, nestled in the picturesque Ozark Mountains, is a vibrant city with a strong sense of community and a thriving arts and culture scene. The city is home to the University of Arkansas, the state’s flagship public research university. Established in 1871, the University of Arkansas offers a diverse range of academic programs, state-of-the-art facilities and a vibrant campus life that attracts students of all walks of life.

Fayetteville’s cultural attractions are plentiful, with a wealth of museums, galleries and performance spaces to explore. The Crystal Bridges Museum of American Art and the Fayetteville Underground showcase the city’s artistic heritage, while the historic Arkansas Air & Military Museum and the Clinton House Museum offer fascinating glimpses into the region’s past.

The great outdoors is never far away in Fayetteville, with the stunning Ozark National Forest and the beautiful Botanical Garden of the Ozarks providing ample opportunities for hiking, biking and wildlife watching. The city’s culinary scene is a testament to its rich multicultural heritage, with popular eateries like Hugo’s and Hammontree’s Grilled Cheese offering a taste of Fayetteville’s unique flavors.

Dickson Street, the city’s entertainment district, features lively bars, clubs and music venues, providing students with the perfect setting for creating lifelong college memories.

Jonesboro, a friendly and welcoming college town in northeast Arkansas, offers students an exceptional educational experience amidst a vibrant and diverse community. The city is home to Arkansas State University, a comprehensive public university known for its outstanding academic programs in agriculture, engineering and education. Established in 1909, Arkansas State University offers a diverse range of degree programs, a close-knit campus community and a strong commitment to sustainability.

Outdoor adventure is at the heart of the Jonesboro experience, with the serene Lake Frierson State Park and the unique Forrest L. Wood Crowley’s Ridge Nature Center providing ample opportunities for hiking, fishing and soaking up the sun.

The city’s culinary scene offers an eclectic selection of dining options, from the mouthwatering barbecue at Demo’s Smokehouse to the delectable farm-to-table fare at The Parsonage. Jonesboro’s lively nightlife, with popular venues like Cregeen’s Irish Pub and George’s Majestic Lounge, offers the perfect setting for students to unwind after a day of study and exploration.

A thriving cultural hub located in central Arkansas, Conway offers students a unique blend of small-town charm, rich history and an ever-growing arts scene. The city is home to a few institutions of higher learning, namely the University of Central Arkansas and Hendrix College. University of Central Arkansas is a public university that offers a diverse range of academic programs and a strong commitment to community engagement. Hendrix College is a renowned liberal arts institution and is known for its innovative curriculum and emphasis on experiential learning.

Conway’s cultural attractions offer a wealth of experiences for students and visitors to explore. The city’s historic downtown area is home to numerous galleries, music venues and museums, including the Baum Gallery and Kings Live Music.

Outdoor enthusiasts will find plenty to do in and around Conway, with beautiful Lake Conway and picturesque Toad Suck Park providing the perfect settings for fishing, boating and picnicking with friends.

The city’s culinary scene is no joke either, with popular eateries like Pasta Grill and Stoby’s offering a taste of Conway’s eclectic flavors. With its enchanting blend of history, culture and natural beauty, Conway proudly claims its spot among the best college towns in Arkansas.

A city with a rich heritage located along the banks of the Arkansas River, Pine Bluff offers students a unique educational experience amidst a warm and welcoming community. The city is home to the University of Arkansas at Pine Bluff (UAPB), a historically black public university known for its strong academic programs in agriculture, business and education. Established in 1873, UAPB offers a wide range of degree programs, a supportive campus environment and a strong commitment to community engagement.

The great outdoors is always within reach in Pine Bluff, with the beautiful Delta Rivers Nature Center and the serene Lake Saracen providing ample opportunities for hiking, birdwatching and fishing.

A scenic college town nestled between the Ozark and the Ouachita Mountains, Russellville offers students an exceptional educational experience amidst a vibrant and supportive community. The city is home to Arkansas Tech University (ATU), a public university known for its strong academic programs in engineering, computer science and education. Established in 1909, ATU offers a healthy range of degree programs, a close-knit campus community and an unwavering commitment to sustainability.

Russellville’s cultural attractions offer a wealth of experiences for students and visitors alike. The city’s downtown area is home to numerous galleries, theaters and museums, including the River Valley Arts Center and the Arkansas Tech University Museum.

Adventure lovers are well taken care of in Russellville, with Mount Nebo State Park and Lake Dardanelle providing ample opportunities for hiking, biking and water sports. Russellville’s lively nightlife, with popular venues like The Old Bank Sports Grill and Cagle’s Mill, act as great spots for students to kick back and relax after class and on the weekends.

Little Rock, Arkansas’s bustling capital city, offers students a rich and unique college experience. The city is home to the University of Arkansas at Little Rock and Philander Smith College, both renowned for their strong academic programs and close-knit campus communities. University of Arkansas at Little Rock offers strong programs in fields like business, engineering and liberal arts. Philander Smith College, a historically black liberal arts institution, focuses on providing a values-centered education in a supportive and nurturing environment.

With a wealth of museums, galleries and performance spaces to explore, Little Rock is no slouch when it comes to history and entertainment. The Arkansas Museum of Fine Arts and the William J. Clinton Library and Museum showcase the city’s artistic and historical heritage, while the Robinson Center and the Arkansas Repertory Theatre offer world-class performances for arts enthusiasts.

The city’s culinary scene is a testament to its rich multicultural heritage, with popular eateries like The Pantry and Doe’s Eat Place offering a taste of Little Rock’s unique flavors. The River Market District features lively bars, clubs and music venues, providing students with everything they need to enjoy their pre-working-world lives.

The perfect Arkansas college town awaits

With its breathtaking landscapes, Arkansas’ rich cultural heritage and top-quality educational institutions offer students an unparalleled college experience in its best college towns. The college towns featured above each boast a unique blend of outstanding academic opportunities, stellar arts scenes and no shortage of outdoor recreational activities.

For students seeking a college experience that is both academically enriching and personally fulfilling, these cities are undoubtedly among the best college towns in Arkansas. Pack up, grab your hiking boots and embark on an unforgettable journey through the Natural State.

Source: rent.com

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A 1970 home known as Birchwood is a modern marvel that sits between a 500-acre park and the Hudson River in New York.

The asymmetrical, 3,600-square-foot house is wedged into a wooded mountainside. It has had no fewer than three architects working on it over the years. It’s fully restored and available for $1,850.000. The home last changed hands in 2015 for $1,350,000.

“Each put their stamp on the house,” says listing agent Richard Ellis. “In particular, the first and last architect really made it what it is today.”

Birchwood

(Realtor.com)

Architectural elements

The original architect was Charles Winter, known for building geometric homes in natural settings. The Nyack, NY, home’s open-concept layout and the way the design flows across the dwelling’s many levels are staples of Winter’s style.

In the 1980s, the second architect added more natural elements to house, including hard surfaces in a variety of wood finishes such as bamboo, teak, white oak, and tree bark. Industrial elements of stone, concrete, steel, and stainless steel are found in the kitchen and luxe baths.

The third and final architect, Dominick Pillar, worked with the owners to renovate and prepare the three-bedroom, two-bath house for sale.

Living room

(Realtor.com)

Lofted sitting area

(Realtor.com)

Dining room

(Realtor.com)

Kitchen

(Realtor.com)

Bedroom

(Realtor.com)

Bath

(Realtor.com)

One of the first things you notice when walking through the front doors is the view—mountain and river vistas from each window.

The third-acre lot also offers a private garden with custom stonework and four spacious, sunny decks.

The layout has a great room with a wood-burning fireplace, multiple sitting areas, a formal dining space, a casual dining area, and an outdoor dining deck.

Other features include a two-car garage, gym, and an office.

The owners recently updated the exterior to include an enlarged driveway and parking area; a bluestone knee wall; and a snow-activated, heated driveway.

“The riverfront villages of Nyack and Piermont, with gourmet restaurants and plenty of shops, are within a five-minute drive of the property,” notes Ellis.

The home’s Lower Hudson Valley locale is just 35 minutes from New York City.

Source: realtor.com

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Inside: Looking for some great Easter basket ideas for girls? Our list has you covered! They will love these easter gifts for special ladies in your life.

Easter is just around the corner and if you’re like me, that means it’s time to start thinking about Easter baskets!

I love putting together Easter baskets for my girl.

Girls love getting unexpected presents, and they love trying out new things. Plus girls are also often very creative, so they can come up with unique and interesting gifts.

It’s so much fun to pick out festive and colorful Easter fillers!

If you’re looking for some inspiration for what to put in your little girl’s Easter basket this year, look no further!

Here are 25 great ideas:

What do girls like for Easter?

Girls can enjoy a wide variety of Easter gifts and treats.

Thus, shopping for girls is so much fun!!

The love items such as jewelry, nail polish, art supplies, plush toys, beach towels, tote bags, backpacks, and notebooks. You can’t go wrong with any of our ideas below.

Find Easter gifts to show your little girl how special she is, while still being fun and age-appropriate.

This post may contain affiliate links, which helps us to continue providing relevant content and we receive a small commission at no cost to you. As an Amazon Associate, I earn from qualifying purchases. Please read the full disclosure here.

What can I put in my daughters Easter basket?

Looking for creative ideas to put in your daughter’s Easter basket?

From fun jewelry, nail polishes, and art supplies to sunglasses, we have plenty of ideas to keep you covered.

You need to consider her interests and personality to make her basket special.

The 25 Best Easter Basket Ideas for Girls

If you are looking for some inspiration for what to put in your little girl’s Easter basket this year, look no further!

This is where you will find Easter basket ideas for teens.

We have gathered together 25 of the most awesome girl Easter basket ideas

Pressed Flower Art Kit

A pressed flower art kit is a great Easter basket idea for girls of all ages, as it encourages creative exploration and allows for unique, handmade projects.

These tools can be used to create a variety of fun projects such as cards, bookmarks, trinket boxes, and more.

Moreover, the recommended age of 5 years and up means the kit is versatile enough to engage both younger and older girls.

Grow ‘N Glow Terrarium Kit

The Grow ‘N Glow Terrarium Kit for kids is packed with amazing features for young botanists to explore and enjoy! The kit includes everything you need.

Perfect opportunity to combine the fun of arts and crafts with science for creative and screen-free activity.

Cross Pendant Necklace

A cross pendant necklace is a popular and meaningful choice for faith-based Easter baskets.

It is a stylish and symbolic way to express one’s faith.

The simple design makes it a timeless item and is a popular choice for teens and adults alike. It is a great way to show your devotion to Christ and to celebrate the resurrection of Jesus.

Kindle Paperwhite

This is something we have purchased before for our kids.

It is such a hit!!

We prefer the paperwhite version over the Kindle Kids.

Spot It Classic Card Game

The Spot It! Classic Card Game is a fun, engaging game for the whole family.

It works by having players search for matching symbols or pictures on cards.

It is an excellent option for an Easter basket for young girls because it encourages critical thinking, visual perception skills, and fine motor skills. It also develops quick reflexes and helps players hone their observational skills.

Squishies Squishy Toy

Squishies Squishy Toys are excellent stress relievers and are great for improving blood circulation in the hands.

These Squishies Squishy Toys make great Easter Basket ideas for girls because they are not only fun and cute to look at, but they are also very safe to play with.

Additionally, they are small enough to fit into Easter eggs and baskets without taking up too much space.

Butterfly Garden

This pop-up, reusable habitat is 11.5 inches tall and made of mesh to allow for easy viewing of butterflies as they go through the transformation from caterpillar to butterfly. It also comes with a feeding dropper and instructions for setting up the habitat.

Watching the caterpillars grow and morph into butterflies is a fun and engaging activity that can teach children about the beauty of the natural world and the life cycle of butterflies.

Make sure to order caterpillars separately! https://amzn.to/3YIM2Uy

Easter Lego Set

The LEGO Creator 3-in-1 White Rabbit is a great Easter basket idea for boys because they can enjoy building the 258-piece rabbit, complete with a carrot!

Plus, the set is compact, making it easy to stow away for later use. Not to mention, it’s perfect for the Easter season, with its cute bunny and carrot design.

So, your child can have fun building with their LEGO set and then decorate their room with the finished product!

Fidget Toys

Easter baskets for girls can be filled with a variety of fidget toys

Girls will love the variety of sensory toys in the set and they can use them to reduce stress and anxiety.

Plus, they trade them all the time! So, it is better to buy a bigger set!

Beautiful Hearted Women of the Bible: A Creative Mother-Daughter Devotional 

This beautiful month-daughter devotional by Linsey Driskill is a creative and interactive way for moms to connect with their daughters ages 6-10 years old.

Simple step to help grow their relationship with God.

The bonus is quality time with your daughter digging into God’s word.

Sidewalk Chalk

Sidewalk chalk is a perfect Easter basket item for girls since it encourages them to explore their creative side and get outdoors.

As the chalk is washable, it’s also a safe and mess-free option to let kids express their creativity while having fun outdoors.

Furthermore, the vibrant colors of sidewalk chalk add a splash of color to any outdoor space and bring a lot of fun and excitement.

Temporary Henna Tattoos

Temp henna tattoos are an excellent addition to any Easter basket, as they are a fun, creative way for kids (and adults!) to add a special touch to their celebrations.

They’re great for adding a personal touch to gifts and can even be used to dress up Easter eggs or other decorations.

Plus, they are a safe and non-toxic alternative to permanent tattoos, meaning they won’t cause any lasting damage to skin.

Personalized Beach towels

Why not be in style with a personalized beach towel?

Choose your favorite design, add your own text, and let us do the rest.

You can be sure that your towel will make a statement at the beach this summer.

I Spy Easter Book

The I Spy Easter Coloring Book is a popular Easter basket idea for girls because it provides a fun and creative way to celebrate the holiday.

This book is packed with easy-to-color illustrations, featuring bunnies, eggs, chicks, and other Easter themed treats, on single-sided pages that prevent bleed-through.

With its inspiring Easter themes, this activity book is sure to spark creativity and imagination for toddlers.

Easter Bubble Bath Bomb

Bath bombs are a fun way to get clean and enjoy a spa-like experience at home.

They come in all different flavors, but the most popular is probably the bubble bath bombs. These bombs are filled with a variety of scents and ingredients, including bath salts, oils, and even toys.

When you drop them into a hot bath, they form small bubbles that burst and release.

Non-toxic Nail Polish

An Easter nail polish basket is a popular gift idea for girls.

Look for nail polishes that are usually free of harsh chemicals, vegan and cruelty-free, and eco-friendly, making them safe for all ages, including young children.

The Easter nail polish basket is a popular gift idea for girls because it provides them with a fun and safe way to express themselves and decorate their nails with vibrant colors and designs.

Facial Sheet Mask

Facial sheet masks are a popular Easter basket idea for girls because they are an affordable and easy way to enjoy a variety of skincare benefits.

A facial sheet mask is a skincare product that is made from natural ingredients such as shea butter, aloe, tea tree, peppermint, green tea, and lemon, among others.

Not to mention, they are a fun way to show your skin some love and pamper yourself.

American Girl Doll

There are many different American Girl Dolls to choose from, the options are endless.

You can fill the baskets with different types of clothes, shoes, and accessories. They can also be personalized with the child’s name.

Self Love Journal

Journaling is one of the best practices we can teach our girls.

Positive affirmations work wonders! Our brain is so powerful.

This is a gift you will not regret.

Glitter Double Line Outline Pens

The Glitter Double Line Outline Pens feature vivid metallic silver color surrounded by colored borders.

These pens have a unique technology that produces outlines for you automatically to create a beautiful dual-color effect.

The pigment ink is waterproof, chemically stable, and UV resistant, making them perfect for crafts, cards, and other creative projects.

The Armor of God – Teen Bible Study Book

This highly acclaimed bible study by Priscilla Shirer is what teen girls need today.

Learn how to overcome the war raging around you – in your mind, in your emotions.

Make an action plan for putting on your armor and developing a personalized strategy to secure victory against the enemy.

Selfie ring light

Yep, this is exactly what every teen wants!

A selfie ring light is a device used to take selfies, video chat, and live stream videos. I

It also comes with an adjustable phone holder and a weighted tripod, making it easy to take pictures no matter where you are.

Selfie ring lights are popular gifts for Easter baskets because they make it easier to take great selfies in dark areas or whenever natural light is not available.

Crossbody Purse

It is a popular Easter basket idea for girls because of its convenience and versatility.

The faux leather material and small size of the bag make it a stylish and comfortable accessory that can be worn with just about any outfit.

All in all, a crossbody purse is a great Easter gift idea for girls of all ages because of its stylishness, convenience, and versatility.

What stuffed animals can I include in a girls Easter basket?

A girls Easter basket should include an array of plush stuffed animals!!

Here are the most popular:

Personalized Hop ‘N Cuddle Plush Bunny

Squishmallow

Melissa & Doug Burrow Bunny Rabbit Stuffed Animal 

FAQ

Girls are more likely to want the frills and ribbons than boys!

A themed Easter basket is a great idea and there are so many fun and creative themes to choose from.

  • Consider a princess-themed basket with items like princess jewelry, nail polish, art supplies, and a unique tie-dye beach towel.
  • Or, think of a pool-themed basket with a beach tote, sand toys, and a colorful beach towel.

Make the basket even more special with a few extra touches like a colorful bow or ribbon, a few Easter eggs, or a special note.

With these step-by-step instructions, you’ll be able to create a custom Easter basket for your girl that she’ll love!

Are there any Easter basket stuffers specifically for girls that are non-candy items?

Indeed, there are!

From glitter and sparkles to fun friendship art, you can find a wide selection of unique non-candy Easter basket stuffers for girls.

There are so many little fillers you can choose from!

Easter baskets for girls come in a variety of styles and colors, from bright pinks and pastels to custom designs.

From cute gift baskets with lock and key to sporty sparkle backpacks, there is something for every girl.

No matter what kind of Easter basket she’s looking for, you’re sure to find something special for every girl.

Time to Shop for Easter Bunny Baskets

We hope this guide has given you some inspiration for the perfect Easter basket for the special girl in your life.

Shopping for Easter should be fun for your daughter, nieces, or granddaughter.

The ideas are endless and open to inspiration based on their personalities.

You can be sure you’ll find the perfect Easter basket for the special girl in your life.

Don’t forget ideas for boys’ easter baskets!

Happy Easter!

Oh, and don’t forget those Easter basket stuffers!

So what are you waiting for? Get shopping!

Know someone else that needs this, too? Then, please share!!

Source: moneybliss.org

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The capital city of Georgia is becoming a very popular destination lately and even has the distinction of being the only American city to land on a recent global “best in travel” list. And why not? With its warm weather, historical significance, happening restaurants, and major airport, it’s a fun, easily accessible place to vacation.

There’s a lot to do in Atlanta, from the Georgia Aquarium to the Martin Luther King Jr. National Historical Park; from the Ponce City Market (don’t miss the rooftop bar) to Piedmont Park. Here, you’ll find a list of 10 best things to do in Atlanta, Georgia, plus smart tips for enjoying every minute and staying on budget.

Best Times to Go to Atlanta

Spring and fall are usually considered the best times to go to Atlanta. Atlanta can get very hot and crowded during summer travel. For example, the average high temperatures in July and August are nearly 90 degrees, but it can feel much hotter, thanks to the city’s high humidity. Spring and fall also tend to be less crowded and have milder temperatures, while still being warm enough to spend the days outside. For example, April and October have comfortable average temperature highs in the low 70s.

A great time for music lovers to visit is at the start of summer: The Atlanta Jazz Festival is held on Memorial Day weekend, when you can expect average daytime temperatures to be in the still comfortable low 80s. However, you will also likely have to contend with higher prices and more crowds during big events on major holiday weekends.

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Bad Times to Go to Atlanta

Allergy sufferers may want to avoid springtime in Atlanta, as the city experiences an extreme pollen season. A visible dusting can be seen as early as January. Pollen counts peak in late March to mid-April, with cars and lawns blanketed in bright yellow pollen from oak and birch trees.

Winter is typically the slow season for tourists in Atlanta, and the city offers fewer events during this time. Because of this, hotel prices may be lower, so it may be enticing if you are looking for how to save money on hotels in Atlanta. For example, there are plenty of hotels available for $125 to $175 per night during a weekend in January.

If you do decide to visit in the winter, watch out for snow or ice in the forecast. Although frozen precipitation is rare in Atlanta, when it happens, it shuts down the city, which means you won’t be seeing the sights.

Average Cost of an Atlanta Vacation

As is the case with many city getaways, you can have a great time in Atlanta with nearly any budget. If you are visiting for a week, you can expect to pay an average of $2,419 for two people. That’s a good number to know as you decide where to keep your travel fund and start saving for your trip.

Hotels range from $100 to several hundred per night, with an average of about $180. Price depends on how fancy the hotel is, the time of year you visit, and the location of the hotel.

The pricey areas tend to be downtown and in the upscale Buckhead neighborhood. Less expensive areas include the suburbs and areas around the airport.

Beyond hotel expenses, you’ll find good news when it comes to food and entertainment. Thankfully, Atlanta is still much less expensive than other major cities like New York and Los Angeles or resort areas like Florida and Hawaii. You will eat well: There’s a vibrant restaurant scene, with everything from Indian food to soul food and back again Plus, there are loads of nightlife options, including comedy clubs and live music.

You’ll also need to decide how to get to Atlanta. Given what a major airline hub the city is, you may find affordable fares for plane tickets, though that will depend on where you are flying in from. It’s wise to learn how credit card travel insurance works when booking flights in case of cancellations, lost luggage, and the like. Then you can decide whether to purchase private travel insurance or use your credit card protections.

Worth noting, too, is the fact that the city does not have as extensive of a public transit system as some other cities. If you want to explore various sites, you may want to look into renting a car or budget for Ubering around town.

Recommended: Where to Find “Book Now, Pay Later” Travel

10 Fun Must-Dos in Atlanta

Here’s the fun part: Deciding what to do in Atlanta. There is something for just about everyone in the city. Here is a list of 10 cool things to do in Atlanta, culled from those who have traveled to the city as well as loads of online reviews of top-rated attractions. Whether you’re taking a solo trip or one with friends and/or family, you will probably find more exciting activities than you can pack into your days in town.

While we also made sure to include several free activities, make sure to capitalize on your credit card rewards and use a card that’ll bring you points, miles, or cash back when charging your trip’s expenses.

1. Spend an Afternoon at the Aquarium

The Georgia Aquarium is practically a household name and for good reason. It’s the largest indoor aquarium in the western hemisphere. It even serves as a teaching hospital for marine biologists. You’ll encounter dolphins, penguins, sharks, and gigantic but adorable whale sharks, the largest fish in the sea. Take a free self-guided tour via an app that you can download for your visit.

The aquarium is located next to Centennial Park (see below) and is open daily from 9am to 6pm Mondays through Thursdays, 9am until 9pm on Fridays and Saturdays, and 9am to 4pm on Sundays. Admission can be pricey, around $43 to $48. GeorgiaAquarium.org

2. Get Outdoors

Atlanta may be a city, but you can easily get some greenery on your trip. Piedmont Park, for instance, is a huge park located in midtown Atlanta (between downtown and Buckhead) that offers trails for walking, running or biking, picnic locations, ponds, greenery, and wildlife. Arts festivals, music festivals, concerts, and farmers markets take place throughout the year, adding to the fun. And may we mention that it’s a great destination if you are traveling with pets? It’s a free thing to do in Atlanta and is open daily from 6am to 11pm. piedmontpark.org/

Or check out the adjacent Atlanta Botanical Garden, a 30-acre natural delight with a canopy-level footbridge, suspended 40 feet above lush woodlands, and a Japanese garden. It’s open every day but Monday, and admission ranges from $23.95 to $34.95. atlantabg.org

3. Enjoy an Urban Mall

Ponce City Market is a super-fun food and retail hub (there are even some apartments plus office space there) tucked into a circa-1926 Sears & Roebuck building. Located in the Old Fourth Ward neighborhood along the BeltLine (see below), there are local “shop-small” boutiques, with cards, crafts, jewelry, denim, and more, along with national retailers like Sephora and JCrew. Great food abounds inside in the a/c’d premises, whether you’re looking for a latte or yakitori. And don’t miss the rooftop bar and amusement park. Open from 10am to 9pm Monday through Saturday; on Sunday, the shops are open 10am to 6pm and the eateries from 10am to 8pm. poncecitymarket.com/

4. Stroll the BeltLine

The Atlanta BeltLine is an amazing urban revitalization project: It’s a former railway corridor that is being transformed in part into a public path that has art, planting, parks, and attractions. While the complete loop is not fully paved yet (it is expected to be finished around 2030), sections are available for strolling, running, and biking. The BeltLine connects popular locations like Ponce City Market and Piedmont Park, and, since it’s free, can be a way families can afford to travel. Events are held throughout the year, including fitness classes, art events, and concerts. beltline.org/places-to-go/ or consider a bus, bike, or walking tour beltline.org/things-to-do/atlanta-beltline-tours/

5. Visit the Soda Headquarters

Coca-Cola has been advertised as “the pause that refreshes,” so you might enjoy a refreshing pause by visiting the company’s World of Coca-Cola, near the Georgia Aquarium. Coke was invented in Atlanta in 1886, and its global corporate headquarters are still located in the city today. The World of Coca-Cola, which highlights the brand’s history and the soda industry, features a pop-culture museum, a 4-D theater, replica soda fountains, and beverage dispensers where you can try dozens of sodas from around the world. Ticket prices range from $15 to $19, and the attraction is open from 10am to 5pm on Mondays through Thursdays, and 10am to 6pm on Fridays through Sundays. worldofcoca-cola.com/plan-your-visit

6. Honor Martin Luther King Jr.

This park is a great way to remember a great man: It preserves the home where Martin Luther King Jr. was born and raised, as well as the Ebenezer Baptist Church, where he was once a pastor. Guided tours are available. The visitor center has exhibits on the Civil Rights Movement and its important figures. Worth knowing: The last scene of the Marvel movie Black Panther was filmed two blocks away from the park. This free attraction is open from 10am to 4pm daily, with small ranger-led tours available. nps.gov/malu/index.htm

7. Eyeball Some Great Art

Atlanta’s High Museum of Art is located in a stunning modern building between the Midtown and Ansley Park neighborhoods. Visitors will delight in the museum’s permanent collection and temporary exhibitions, with masterpieces spanning folk, self-taught, African, American, and European art and more. The museum is open Tuesday through Saturday, 10am to 5pm, Sunday from noon to 5pm, and is closed on Mondays. Admission costs $18.50. high.org/visit/

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8. Let Your Imagination Soar at the Delta Flight Museum

Atlanta is home to the busiest airport in the world, but the airport isn’t the only place to see planes in the city. The Delta Flight Museum, located inside an airport hangar, has aviation artifacts, several airplanes, a hot air balloon, and the country’s sole full-motion flight simulator open to the public (though that’s a pricey experience). If you or a member of your travel posse loves flying, this can be a fascinating place to spend a few hours. The museum is located outside of Atlanta’s airport, which is about eight miles south of downtown, making it a convenient stop if you are heading into or out of the Hartsfield-Jackson Airport. The museum is typically open from 10am to 4pm (closed on Wednesdays), but it’s wise to check in advance as it sometimes is closed for private events. Tickets range from $10 to $15. The flight simulator is a separate ticket, costing $425 for up to four people. deltamuseum.org/

9. Pit-Stop at the Varsity

Feeling hungry? Pull into Atlanta’s renowned Varsity, where you can indulge in chili dogs, onion rings, a frosted orange milkshake, and a fried peach pie. It’s an iconic eatery that opened in 1928 and is a popular drive-up experience; there are now six locations around town. You just may want to snap up a Varsity t-shirt after you’ve had your fill of their food. thevarsity.com/pages/locations

10. See a Show at the Fox Theatre

Ready for some entertainment as you look for fun things to do in Atlanta? Head to the Fox Theatre, an amazing space that was built as an auditorium for the Shriners organization and was inspired by Egyptian temples, among other structures. It’s a treat to be inside, and you can catch a show before it hits Broadway. The Fox also hosts comedy shows and concerts. Cool fact: It’s home to “Mighty Mo,” the largest working Moller theater organ in the world, constructed in 1929. foxtheatre.org/

The Takeaway

Atlanta is a lively, vibrant city with so many attractions and experiences, from strolling along the BeltLine to visiting a historical site to dining at a food court inside an old Sears building. By learning more about what Atlanta has to offer, you can be sure to make the most of your trip to this buzzworthy destination.

FAQ

What are some things to do in Atlanta for free?

Atlanta offers plenty of free or cheap attractions, like walking on the Atlanta BeltLine or window shopping in the Ponce City Market. You could also pick up some groceries for a picnic in Piedmont Park.

What are things to do in Atlanta, Georgia with kids?

The Georgia Aquarium, the Atlanta Zoo, and the World of Coca-Cola are some of the more popular attractions for children. There are also many parks and outdoor spaces for kids to run around and play, like the Centennial Olympic Park and Piedmont Park.

What are some things to do in Atlanta at night?

Atlanta has a robust nightlife scene. There are numerous restaurants, bars, and clubs throughout the city. Other options include the Starlight Drive-In movie theater, comedy clubs, and music venues.

What’s the symbol of Atlanta?

Atlanta’s official symbol is the phoenix. The mythical beast represents the city’s history: The area was destroyed in the Civil War during the Battle of Atlanta, then rebuilt from the ashes.

Photo credit: iStock/Sean Pavone

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Reviewing your policy

How often should I review my policy?

Save more, spend smarter, and make your money go further

We suggest reviewing your life insurance policy once per year to make sure you have enough coverage.  Most importantly, you should review it anytime your life and circumstances change.

What should I look for during my policy review?

When reviewing your policy you should look for anything that may need updating. Examples include your name, address, phone number, billing information, and beneficiary.

When should I update my beneficiaries?

Make sure you keep your beneficiary designations up to date.  There are certain circumstances that will warrant a beneficiary change. These include:

  • Marriage or divorce
  • The birth or adoption of a child
  • Your designated beneficiary passes away
  • You are now caring for your elderly parents

When should I apply for a new policy for more coverage?

Just as life is ever changing, so are your life insurance needs.  You may have purchased a small insurance policy when you were fresh out of college to cover your student loans.  A few years have passed and now your lifestyle has changed.  Here are some common circumstances in which you may want to increase your life insurance coverage:

  • Starting (or adding to) your family
  • Purchasing a new home
  • Job promotion with higher income

Natasha Cornelius is the content manager and editor for Quotacy.  She has worked in the life insurance industry since 2010 and has been making life insurance easier to understand with her writing since 2014.  A long-time Mint user, Natasha lives in Bozeman, Montana where she loves to garden, DIY anything she can, and explore beautiful Big Sky country.  Connect with her on LinkedIn.

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