Category Archives: Living

How a Solar Pool Cover Can Save You Money

One of the largest expenses that swimming pool owners have is keeping the water in their pools at a comfortable and reasonable temperature. Fortunately, there is an easy and effective way to keep the water warm at an affordable cost. When you use a solar pool cover it keeps your pool at a comfortable and constant temperature, which makes it much more enjoyable to use your pool. Using solar power also saves you money at the same time.

How to Save Money Using a Solar Pool Cover

Solar pool covers look like big sheets of bubble wrap floating on the surface of the water. They are designed to trap heat from the sun in the water when the pool isn’t being used. In general, the trapped heat causes the temperature of the water to increase from ten up to fifteen degrees, which means you won’t have to spend as much money on heating your pool.

The cover also helps to decrease evaporation substantially. This helps you save a great deal of money on heating your pool (since evaporation is the biggest cause of losing heat in pools by far), and it also saves on cleaning chemicals and water as well – so you won’t need to top off your pool as frequently. When everything is taken into account, having a solar pool cover can decrease the heating costs for your pool by fifty percent or even more.

Solar pool covers are available in both semi-opaque and transparent plastic. Usually it is better to have a clearer cover. Covers that are more opaque allow less sunlight in, which reduces their effectiveness. In order to get the maximum use from your solar pool cover, you should use it anytime you are not using your pool. The cover floats freely on the surface of the water, so no ties or anchors are needed. That makes it very easy to put the cover on and take it off. However, it can be hard for one individual to manage on their own since a solar cover needs to be big enough so that it covers the whole pool. There are cover reels that can be used to make it easier to handle the cover.

Final Thoughts

One important thing that needs to be noted is that solar pool covers have not been designed to be used as safety covers or for winterizing. The main purpose is to keep the water in your pool warm. A winter pool cover should be used once you are done using the pool for the year.

Take Charge of Your Plumbing: Simple Tips to Keep the Water Flowing

Leaking water from any plumbing fixture in your home is cause for concern. Every home should have plumbing pipes that maintain a closed system for the running water. To keep up with your plumbing’s maintenance, try these simple tips between professional appointments. Your pipes will work during any season without ruptures or flooding that can damage your property.

Drain the Water Heater

Several times a year, add a garden hose to your water heater. Turn off the tank, and allow the hose to drain the water out to the gutter. Although this tip seems to waste water, you need to evaluate the tank’s interior. By using a flashlight, peer into the tank and look for rust. Take note of any damage to the tank. There may not be a leak right now, but any signs of rust will eventually spread to the rest of the interior. Fill the tank back up if it has a clean, bill of health. The tank will last longer as a result of this maintenance tip.

Use Your Senses

Your plumbing stretches into almost every room in the house. Use your senses as you turn on the faucets throughout the day. Listen for any unusual sounds, look for leaks and feel the water under the spigots. If anything seems out of place, investigate the situation even further. Plumbing problems normally start as small defects. Repairing the defects will only preserve the home from any major disasters. A small leak under a kitchen sink, for instance, will quickly rot wood cabinets until replacement is necessary.

Try Boiling Water

Clogs are a fact of life for plumbing pipes. Hair, food particles and grease will all collect inside drains. To keep the pipes clear, pour boiling water down the drains once a month. The hot water typically loosens the debris stuck in the drain while the water’s force moves it down the pipes. This boiling-water trick works well for every drain, including the shower and bathroom sinks.

Update Older Hardware

Take a look at your fixtures, such as the kitchen and bathroom faucets. Older hardware has a tendency to break from mineral deposits building up in the area. Ideally, replace the hardware when cleaning the minerals doesn’t do the job. During the replacement process, you’ll be able to access the faucet’s internal parts and clean them out if necessary. Hire a professional if you aren’t comfortable with the replacement process.

Install Drain Strainers

Protect your plumbing with a simple tool: the drain strainer. This basic mesh fitted within a metal ring can simply hang in your drain’s opening. Pull the strainer when it’s full of debris and throw it out. You’ll catch a lot of items that shouldn’t go down the drain. As a result, the drain remains clean almost year-round. Strainers are best installed in the kitchen where food and grease can quickly escape down the regular drain.

Ideally, hire a plumber Dallas TX at least twice a year. These professionals visit your home, and they perform an overall evaluation. Fix those minor issues that will eventually turn into problems. You’ll save a lot of money over the years as a result. The home will inevitably have a strong value that only follows it to a potential sale in the future.

Take a Unique Tour of Japan

When people plan their vacations, they often check out tour companies who offer standard tours of popular areas. For example, a popular tour of the city of Boston takes people past all of the important sites associated with the American revolution and the beginnings of the country. Japan has a lot to offer, and there are unique Japan tours that will give you a look at the Land of the Rising Sun that you might not have ever seen before.

Pop Culture Tours

From anime cartoons to popular characters such as the Pokemon monsters, Japan is filled with a wide variety of pop culture references and icons that many Americans are familiar with. Instead of taking a tour of the gardens of Japan, you can go on a tour of all of the places Godzilla destroyed in all of his movies. Many tour companies will even provide you with a customized tour that will introduce your family to the real spots where many Japanese legends were started.

Mystical Tours

Japan is filled with sacred cities and sites that are very important to millions of people around the world. The problem with trying to visit those sites on your own is there are protocols and rules for those sites that you might unknowingly violate. Instead of getting on the bad side of the locals, you can get a guided tour from a professional who will help you to see all of these amazing places without any incidents.

Imperial Japan

Most people from the United States do not know that Japan has a series of older cities that, at one time, were very important to the entire country. As time has gone by, these old Imperial Era cities have transitioned into tourist areas that can sometimes be difficult to find. A professional tour company can not only take you through the historic parts of Japan, but you will also get the stories surrounding those cities. The history of Japan is fascinating, but you could miss it all if you do not take advantage of a professional tour company.

Food Tours

A tour of the gardens of Japan is a colorful way to see the city, but if you get hungry then you could be out of luck. Japan is home to some of the most famous foods in the world, and a visit to Japan without a food tour would almost seem like a crime. Many professional tour companies have tours of places in Japan where you can get food that you have never tasted before, and you can go to places where your favorite Japanese dishes originated. A food tour of Japan is the kind of thing that could change your life forever.

Mountain Tours

The mountains of Japan contain many secrets and traditions that most people from the West have never experienced. The mountains is where the oldest temples still stand, where the most interesting wildlife resides and where some of the most fascinating art still exists. If you are planning on going to Japan, you should also plan on discovering the many secrets of the Japanese mountains. There are more mountains in Japan than Mount Fuji, and there are worlds to discover in those mountains.

Japan is a country with a culture that dates back centuries, and many of the relics of those long gone days still exist. The problem is that your standard tours of Japan include a look at the gardens, sleek cities and large farms that have made Japan so famous. If you really want to see what Japan has to offer, you need to take a customized tour that will take you to places other tours will not.

You will learn about Japanese history, see many sights that most people have not seen and you can even stand in the same spot your favorite anime character stood in during your favorite anime film. There is a world to discover in Japan, and you should look into unique tours that will help you to discover all of this fascinating country.

3 Things Your Product Needs to Be Taken Seriously By Women

It is a common stereotype that women love shopping and men hate it. While this may not be strictly true, according to Forbes, women do tend to shop more frequently than their male counterparts. Whether you are marketing your brand to women, men, families or kids, you should understand women’s consumption habits and the motivation behind them. Women look for specific things when they are shopping for new products, and the success of your marketing campaign relies on an understanding of these essential elements. Pay attention to the following things women often look for in products.

Every brand is fighting to define itself and win the business of buyers, but identifying what potential customers want and deliberately crafting your products with them in mind can give you the edge your competitors lack. This is certainly true when it comes to marketing to women consumers and building up a consistent customer base.

High Quality

Women, and shoppers in general, care the most about the quality of the product they are buying. A recent study has revealed that shoppers in the market for luxury goods are likely to prioritize the product’s quality over the buying experience. This is probably also true of women shopping for everyday products, too. A great shopping experience, and an impressive marketing campaign, are useless if the item in question does not live up to expectations. Women have increasingly begun to use websites such as Brand Ballot to get more info on product quality.

Trusted Reputation

The individual quality of an item is not the only thing women and shoppers are interested in. Consumers also want to know that the brand they are buying from is reputable, trustworthy and ethical. How can the average customer determine such criteria, though? Many will look to family and friends for recommendations, but some will consult resources such as Brand Ballot for more information on the company behind a product and the reviews they get from other customers. Resources like these are one of the most vital sources of information for consumers who are looking to make an informed purchase.

Great Reviews

Resources such as the ones mentioned above are great for getting a better idea of what to expect from a product. When women shop, though, they want to know the facts, and they want to hear from other consumers who have tried products and provided details. Websites that offer details such as these are the top resource for buyers, and as a company, they are likely to be your best ally. Encourage your satisfied customers to share their experiences online, and you’re sure to find that your customer base will grow, too. Reviews are the savvy shopper’s best asset.

Women aren’t the only shoppers who are increasingly conscientious when it comes to their purchases. Customers everywhere are proving that they care about the quality and reputation of the brands they buy. For companies who want to boost their sales and improve their customer loyalty, understanding this is crucial, and taking advantage of it is a priority that should not be overlooked.

5 Modern Trends to Spruce Up Your Business Office

Business owners everywhere know the struggles of working the usual 9 to 5. But there are ways to make your office more comfortable. Check out these 5 modern trends for sprucing up your office.

1. Hang Photos with Clothes Pegs and Laundry Line

Laundry line and clothes pegs are perfect for hanging photographs around your office or cubicle. The line lies flat against a wall and takes up zero space, so you won’t clutter your desk with picture frames. Retro Polaroids look especially cute when paired with the line and peg idea.

2. Keep a Vase of Your Favorite Flowers Around

Flowers have lots of different meanings, depending on what kind they are. For instance, lilies represent innocence, purity, and beauty. Whereas, daisies are all about feminine qualities, such as softness and delicacy. Pick your favorite flower and display a bouquet in your office for an instant boost to your mood.

3. Use Bright Colors with an Accent Wall

While bright yellow or LOUD pink would overwhelm a room if it were splashed across all 4 walls, an accent wall is a pleasant way to incorporate your quirkier colors into office décor. For instance, if you love bright red, paint a single wall this color, then find a contrast, such as steely grey or dark blue, for the other walls.

4. Keep a Peg Board of Your Dreams and Goals

Once called a dream board in High Schools nationwide, this idea is the same concept…but with less teenage angst. Invest in a peg board, and pin up pictures and thoughts about your dreams, goals, and ambitions. When you can visualize your goals, you are more likely to work harder to accomplish them.

5. Recycle in Your Office

This should be a general rule for anywhere. Recycling in your office is a great way to keep clutter at bay while doing something awesome for the environment. Make a list of your usual waste throughout the work week and be proactive when it comes to recycling. Have two bins in your office, one for plastics and one for other trash, and recycle accordingly. Encourage your coworkers to do the same. The planet will thank you.

One last thing… If you work in an office, then you probably know the horrors of having a numbed butt at the end of the day. This is usually because your desk chair is less-than great. Definitely invest in awesome, comfortable furniture that you love for your business decor. It’s worth the money, as comfy furnishings usually last longer than cheaper, less comfortable options. Plus, these furnishings are easily replaced if you ever encounter a disaster that leaves your office in dire need of property restoration services.

4 Ways to Give Your Space Some Serious Beachy Vibes

We all love the idea of being able to escape to our own private beach house whenever we might like. Unfortunately, we can’t all wake up to the sounds of the ocean all year round, but that doesn’t mean that we can’t make the space we do have feel a little more like the beach getaway of our dreams.

Whether you live in a house on the beach, an apartment in the city, or a cabin in the woods, here are four ways to give your space some serious beachy vibes this summer. Remember, if you have a room that requires extensive work, it might be best to hire a professional. A bathroom remodeling contractor can give you the nautical bathroom of your dreams without the threat of causing damage.

1. A Coastal Color Palette

color sea
Design Seeds

A color palette inspired by sand, surf, and sun will immediately transport you to the coast. Incorporate the natural colors of the ocean over crisp whites and muted grays for endless design possibilities, like accent walls and bold accessories. Shades of ocean blues would include cerulean for calmer water, cobalt for nighttime seas, and sky blue mixed with a tinge of silver for sunlit waves in the morning.

2. Classic Nautical Themes

nautical foyer
Birch Lane

A nautical theme is a classic coastal decor choice that appeals to a wide variety of tastes. Depending on the accessories you choose, it can be playful or more sophisticated. Use a combination of navy blue and sailor white to accentuate the natural qualities of the ocean. Create a cohesive look with bold stripes and fabrics, natural wood and ropes, decorative anchors, oars, and even a ship’s wheel.

3. Bring Pieces of Nature Inside

seashell mirror
Martha Stewart

Your beach house decor isn’t all bold stripes and decorative anchors. There are many natural accents that you can get straight from the beach to decorate your space. Everyone who has visited the beach has picked seashells along the shore. The best time to go hunting for seashells is the very early morning. The tide is out from a night of being inland and you can find the most perfect, intact seashells on the shoreline. A beautiful array of seashells, sand dollars, and starfish instantly and inexpensively adds an organic accent to the room. You can also arrange them in oversize glass vases for bookshelf accents or in wooden boxes for a centerpiece.

You can use your little treasures in countless craft projects to decorate your home, such as shadowboxes, votive candles, wind chimes, and to line picture frames or a large mirror for your bathroom or bedroom.

For another organic accent, add small hooks to a piece of drift wood to make a small coat hanger. Or, secure several pieces of found wood together to create a unique headboard.

seashell print
My Someday in May

For seashells you don’t have to scour the shoreline for, this 16×20 vintage seashell wall art from My Someday in May would be a perfect addition to any beach house or beach-inspired space.

4. A Cozy Place to Put Your Feet Up

hanging chair
Byron Bay Hanging Chairs

Of course, no beach house is complete without a cozy place to get some serious rest and relaxation. Isn’t that the reason why we all wish we could escape to the beach in the first place? You can create your perfect beach-inspired seating area with classic Adirondack chairs, great, big wicker furniture, a hammock, hanging chair, or even a DIY wood pallet covered in oversized cushions tied to a tree or porch.

Whatever you decide, make sure it’s comfortable enough to curl up with a summer beach read and get lost in somebody else’s world for a little while.

4 Characteristics of Successful Female Professionals You Should Aim to Imitate

Chances are, you know at least one woman who excels in her chosen career path and makes you unmistakably envious. Although envy is an understandable emotion, it’s not necessarily a helpful one. Fortunately, there are several other beneficial characteristics that could help you assert how you’re a powerful female in your own right.

Ability to Overcome Adversity

Oprah Winfrey is arguably one of the most successful African American women alive, largely due to her TV show, book club, and television network. However, she did not have that success handed to her and actually overcame a great deal of adversity in her life that included abuse from the age of nine, an unintentional pregnancy, and the loss of several family members from things like AIDS and drug-related complications.

Although you may not have as much to deal with as Oprah did at one point in her life, you undoubtedly still have challenges to face. If you face them with courage instead of fear, you might be surprised at what you can accomplish.


After author Elizabeth Gilbert wrote a best-selling memoir that got turned into a movie, she came under immense pressure to give a repeat performance. Her second attempt at a book did not do well and Gilbert struggled to find enough creativity to write something worthwhile. Eventually, she succeeded by remembering the person she was before her triumphs and recalling how she picked herself up and tried again during that period of her life.

If there’s one thing that’s almost guaranteed in life, it’s that you will fail — either genuinely or seemingly. Once you do, that’s not the end of the world. Although you’ll probably have to change your perspective to encourage yourself to keep going, the things you learn from this perceived shortcoming could be more advantageous than you initially realize.

A Goal-Oriented Mindset

Picabo Street is an American skier who won gold at the 1998 Olympic Games. However, she was not always such a competent athlete. At age 15, she joined the U.S. junior ski team but did not have the discipline to hold her own against the other team members. Officials were so bothered by her lack of readiness that they suspended her. After taking a year off to train with her father as her coach, the skier came back and showed a newfound determination while proving she was a strong competitor.

Staying fixated on a goal as this famous skier did could be the thing that gets you out of bed each day when you’d rather give up. Goals also help define your actions and decisions.

Verifiable Knowledge

Suzzanne Uhland is a Californian business law attorney who has over 20 years of experience in the industry. However, she can offer more than a resume to demonstrate her knowledge. Uhland maintains a topical blog about legal matters including bankruptcy and risk and updates it regularly. This platform not only lets her describe her expertise via the bio at the top of the page but also allows her to demonstrate it by writing posts that are likely to be of interest to her current and potential clients.

She has achieved impressive success throughout her career and the blog is one way for her to make her knowledge obvious to people who might be able to benefit from it. You can do the same through your own blog by establishing yourself as a female blogger who has a lot to say about your preferred subjects. Don’t be afraid to tackle matters that are little known or controversial if the situation is appropriate.

Hopefully after reading these real-life examples and learning how you can apply the traits to your own life, you’re sufficiently inspired. Becoming an even more admirable woman is a goal within your grasp.

9 Tips for an Amicable Divorce

Contrary to what you’ve seen in movies, it’s entirely possible to have an amicable divorce. You might have to bite your tongue every now and then, but it is possible. If you’re determined to take the high road, here are nine tips for keeping your cool when your marriage comes to an end.

1. Don’t Call Names

Your parents taught you this before they let you loose on the playground, and it still holds true today. What will you accomplish by flinging insults at your soon-to-be ex? Is a momentary feeling of satisfaction worth the stress of a drawn-out, bitter divorce? Think twice before you twist the knife.

2. Learn How to Compromise

Compromise doesn’t mean I get everything that I want while the other person just deals with it. It is important to enter a divorce negotiation knowing that it is just that — a negotiation. Whether it is who gets to keep the house or the exact child visitation schedule you wanted, you will have to sacrifice some things. A true compromise occurs when both parties win and lose something.

3. Hire a Lawyer

Even if you are anticipating a friendly split, it pays to have a lawyer on your side when it comes time to sign the documents. They can give authority on things like custody and property agreements, and they can also point out any potential problems in the language of your contracts. You don’t want to be dragged in front of a judge five years from now because of a loophole.

4. Don’t Get Jealous

Your relationship is ending. There is no point in being angry, resentful, or jealous if your ex has found someone new. Instead of starting pointless fights that might forever cast you in a negative light to your ex or their partner, try welcoming them with a smile. You don’t have to be best buds — or even friends at all — but you can be polite. This is especially important if you and your ex have children together.

5. Let Go of Past Hurts

Does it really matter if her hours were too long? Will anything change if he admits that he didn’t do enough housework? These petty squabbles won’t result in anything but old, pent-up feelings disrupting the present day. Leave them in the past where they belong.

6. Figure Out How to Divide Your Assets

This is often one of the biggest sources of drama in a divorce, but there’s an easy trick for ensuring that you get your money’s worth: Convince your spouse that it’s actually better for you to have the item. For example, instead of demanding the dog, you might pose the question, “Do you really think that you’ll have the time to feed and walk him every day? Your schedule is pretty busy.”

7. Don’t Vent to the Wrong People

Venting to your friends is a natural part of the divorce process, but make sure that you aren’t putting the listener in an odd or uncomfortable spot. For example, no matter how close that you are to your sister-in-law, it’s inappropriate for you to slam her brother to her face. Think about her feelings as well as your own.

8. Keep the Children Out of It

The biggest rule of a smooth divorce is to keep your children completely shielded from it. This means no “casual” questions about who your ex is seeing or how much their house is worth. They may seem like innocent queries to you, but to a child with divided love and loyalty, they can be genuinely distressing.

9. Find a Support Group

A divorce support group can help you deal with the turbulent thoughts and feelings that accompany a separation. They’ll also give you the confidence to deal with whatever comes your way in the future. Many divorced people find it scary to be single again, but a support group can help you turn it into a freeing, liberating thought instead of an anxious one.

These are just nine secrets to an amicable divorce. You might need to take a few precautions and make a few attitude adjustments, but if you’re serious about making the process as easy as possible for you and your kids, you’ll listen to these ideas. Good luck!

Reasons Why You Should Be Using Waterproof Mattress Protectors

Waterproof mattress protectors are something that you may not have even considered if you don’t have a small child in the house. However, they can be beneficial for any mattress regardless of who is sleeping on it. The protection goes way beyond just keeping your mattress dry. In fact, there are many benefits that should prompt you to seriously consider using these protectors on all your mattresses.

Main Benefits

The main benefits you will receive from using waterproof mattress protectors so have to do with keeping your bed clean and dry. If you think about all the abuse your poor mattress suffers, it is easy to see how beneficial a protector can be.

Obviously, it is great to protect against bed wetting, Whether it is a small child who is just learning to potty train or who has occasional bed wetting accidents, a pregnant woman who is worried about any leakage onto the bed or an elderly person struggling with incontinence, a mattress protector can be a great aid. It is non-intrusive and won’t make it obvious that there is protection on the bed.

It also protects against other liquids. If you have kids who love to eat and drink in their rooms, using a protector can help keep your mattresses safe from drink and food spills. Also if you have pets, it can protect against the various things they may drag onto or do on a bed.

Say you are one of those people who sweats a lot in your sleep. Imagine night after night climbing into a stale bed that has dried sweat in it. That is kind of gross. Instead, keep things protected and keep your mattress like new.

Health Benefits

Those main benefits of keeping your mattress dry are not the only benefits, though. There are also health benefits, which for many people are going to be even more enticing than the basic benefits.

To begin with, when you cover your mattress with a protector, you are able to keep all sorts of allergens out of them. This is great when you have someone in your family who has allergy issues. Not only will it prevent allergens from getting embedded in your mattresses but other things like dander and bugs won’t be able to get in there either, making the mattress healthier for anyone who is around it.

When you go to buy a waterproof mattress pad, there are some things you need to consider. To begin with, you want to look at how it is made. Make sure it is made using hypoallergenic materials and high-quality materials.

You also need to consider whether you want a fitted or zippered protector. Fitted protectors act just like sheets. One thing to keep in mind is that they not only go onto the bed like a regular sheet but they also can come off like a regular sheet. If you have a mattress that seems to lose its sheets easily, then the fitted option may not be for you. A zippered protector covers the whole mattress. This is would be best for someone concerned about allergens because it gives full protection.

You also need to make sure that you are buying the right size. Make sure you measure your bed and just don’t go off the standard sizing. You want to measure the width, length, and depth of the mattress to ensure a proper fit. Generally, length and width are standard sizes. Depth, though, varies, which makes it very important to ensure you are getting this measurement correct.

Using the Protector

Once you get your mattress protector, you will want to put it on your mattress carefully so you don’t rip it and so it is put on correctly to ensure it works. You should get help doing this to make the process easier. Pull up the mattress and pull the protector on carefully. Do not stretch it or pull on it. Carefully move it into place. Then, put the mattress back on the bed and put your sheets on as normal.

Many people use waterproof mattress protectors. They offer a range of benefits that make them useful in almost any home. They simply help to lengthen the life of mattresses while also helping to keep them clean and sanitary.

Insurance Areas That are Worth Splurging On

When you have a family, it is very easy to get focused on balancing your budget and cutting expenses wherever you can. At the same time, though, when you have a family, you have an obligation to make sure that you are taking care of your family properly through any means possible. One of the best ways to care for your family is with insurance.

There are many different types of insurance that you may have. In general, insurance of any kind is an expense that is well worth it. However, when it comes to specific types of insurance, there are some that are worth splurging a bit more on than others. Here’s a look at a few insurance options and where to save and where to splurge.

Health Insurance

Health insurance is important to keeping your family healthy. You may be limited in your insurance options. The chances are that you or your partner, spouse or child’s other parent have insurance coverage through an employer, which is used because it is the most affordable option available. When it comes to health insurance, you should consider your family’s health before deciding to splurge.

While it may be nice to have a policy that has low deductibles and out of pocket expenses, this type of policy usually costs more each month. If you are mainly using preventative care services and only go to the doctor for other issues a few times a year, it is rarely going to be worth it to splurge on a low deductible/out-of-pocket expenses policy. The bottom line is that if nobody in your family has a serious, chronic health condition, then you should save as much as possible on your health insurance costs.

Car Insurance

Car insurance is actually one type of insurance where you can really customize it to meet your needs and your budget. There are many ways to get discounts, and you have a lot of control over pricing. The key is to work very closely with your insurance agent to construct a plan that meets your budget and needs. You may want to save by avoiding extras, like rental reimbursement, and splurge by lowering your deductible, so you can actually afford it should you ever get into an accident.

Life Insurance

This is one type of insurance many people don’t have. It isn’t something that will really benefit you directly because it only pays out once you have died. However, it will help your family, and everyone should have it. Life insurance can help with burial costs, paying off debts and even replacing lost incomes. You don’t have to splurge on it, but do get enough that it will be beneficial to your family after your death.

When it comes to insurance, it may seem like you are throwing your money away. There are many types of insurance that you may never even use, like car insurance, and others that you aren’t required to have, like life insurance. However, insurance is there to provide a piece of mind. While you don’t really need to splurge on any type of insurance, you should make some room in your budget for it. In addition, you should make choices carefully and ensure you get the best coverage for your money.