Insurance—What you need to know.
Death and Disability Insurance:
Discussing death and disability hardly ranks as a favorite activity for most people. But failure to plan adequately for the financial consequences involved could mean unnecessary hardship for your loved ones and you.
The easiest and most cost-effective way for most people to mitigate these risks is through insurance products, such as disability, life and long-term-care insurance. That may be common knowledge, but discomfort with the subjects and the complexity of insurance products prevent many people from obtaining necessary coverage in advance of a life-changing event, according to experts. It is recommended to have 10 times your annual salary in life insurance coverage. If you have questions about your insurance options, please contact Amber Donegan 615-446-3111 ext. 3018

What? More money?
Have you ever said, “There’s no way to save money”?
Try an easy way, like putting away $5 per week. That’s less than the cost of a lunch. Instead of eating out, bring your lunch to work or eat a cheap dinner at home. Your $5 a week will add up to $260 a year. That’s not a huge amount of money, but it could help during a vacation or Christmas. If you saved only $10 per week it could give you $520 for Christmas.

You can control your reactions much more than your circumstances. Your reactions can be positive experiences for yourself and those around you. You can control your reactions much more than your circumstances. Your reactions can be positive experiences for yourself and those around you. J.J. Goldwag

Need a great shampoo?
You can choose a cheaper shampoo that is just as effective as expensive salon products by looking at these simple ingredients. You’ll only need to read the labels in order to determine what kind a detergent that a shampoo has.
Ammonium Lauryl Sulfate – very harsh
Ammonium Laureth Sulfate – harsh
Sodium Lauryl Sulfate (SLS) – still harsh
 Sodium Laureth Sulfate (SLES) – mild, great choice
TEA Lauryl Sulfate – gentle, good choice
TEA Laureth Sulfate – gentle, also a good choice.
Myth: Shampoo builds up on hair so you need to change brands occasionally to counteract this. Shampoo cannot build up on hair, however conditioners and other products and chemical processes do and you may need to use a stronger type of shampoo from time to time.
Myth: Salon-brand shampoos outperform inexpensive store brands. Not true. Salon brands may have more fragrance, foam more or have more ingredients, but all of it goes right down the drain with the detergent.
Myth: High quality shampoo can repair and nourish damaged hair. Hair is dead and cannot be repaired. Any hair product can only provide temporary benefits to the look and feel of hair.
Myth: Baby shampoo (no-tears) is great for adults because it is so gentle. The detergent in baby shampoo is way too gentle and not designed for cleaning adult hair especially when a lot of styling products have been used.
When purchasing shampoo, consider just two things:
1. Price
2. Type of detergent
This info was taken from Mary Hunt’s Everyday Cheapskate. You can read more about it at:
https://www.everydaycheapskate.com/home-and-family/pricey-shampoo-means-money-drain/

 Are you ready for the Eclipse on August 21^st 2017?

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