Do Stay-at-Home Moms Need Life Insurance?

There are a lot of people who feel that they do not need life insurance. They assume that nothing bad is going to happen to them anyway so they do not make any effort anymore. Some stay-at-home moms assume that they do not need insurance because they are just going to be at home to take care of their kids and make sure that their home is comfortable for everyone.

A lot of moms may not be given the recognition that they deserve. They may feel that moms are supposed to do that but the sacrifices that moms do should never be disregarded. Moms can become very efficient multi-taskers. They have to make sure that their homes are clean, that they pay the bills, they prepare the food for their children, and so much more. It is obvious that they are undervalued.

Do Stay-at-Home Moms Need Life Insurance?
Do Stay-at-Home Moms Need Life Insurance?

How Much Life Insurance Do Stay-at-Home Moms Need?

There are some people who feel that those who should get insurance are only those who have a steady source of income. As a stay-at-home mom, there may be days when you do not have enough money. Even so, life insurance will make sure that you will stay protected in the event that you get sick or you get into an accident.

You have to remember that you know how important insurance is. You have checked out different car insurance quotes in florida because you want to make sure that your car will be safe if in case you get into an accident while driving. Why shouldn’t you protect yourself especially if you deserve the extra protection?

To know how much life insurance you may need, there are several factors that you have to consider such as the following:

  • Your current location
  • The number of children that you have. If in case you plan to have more children, you should also take this into consideration.
  • The job security of your family’s breadwinner
  • Your overall health

The more that you feel that life insurance will be important to you and your future, the higher the amount that you should get.

Life Insurance Coverage

Having life insurance means that it will be easier for the surviving parent to cope financially. It will be easier for the whole family to get their life back on track. Of course, their lives are not going to be the same if they have already lost a loved one. The loved one’s presence will always be missed. The money that will be received from the life insurance coverage will still be vital in making sure that the family will be able to survive for at least a few months after the loved one’s death.

You may think that purchasing life insurance is going to be complicated but this is not true at all. You can contact an agent soon who will give you proper information about what you need to do to get the life insurance that you deserve to have. There are different companies that offer different insurance policies. Make sure that you will check out each one well.

Reasons to be a Work at Home Mom

Working from home is slowly turning into something that every mom wishes to do. This way, they get to spend more time with their kids, manage their time better, and even cut down on costs such as gas and restaurant meals. It comes with its own challenges such as having a very poor social life and overworking, but these are challenges that can be overcome. In this article, we are going to take a look at some reasons why you should become a work at home mom.

Reasons to be a Work at Home Mom
Reasons to be a Work at Home Mom

More time with the kids

Most mothers that work away at home miss out a lot on their children’s routines, and working from home is the perfect chance to be there for them throughout the day.

Increase or maintain your income

When working from home after leaving your career to raise the kids, you get to maintain an income. You get to work while taking care of the kids, juggling two tasks at the same time. It is about managing your time properly. You also get to save money that would have been spent on fare, meals, and other things.

Give up the commute

People spend a lot of time on the road, either going to work or coming from work. Not only does it take up a lot of time, but it is also costly. Working from home saves you the time and money that you would have spent commuting.

Work flexible hours

Working from home usually means that you get to choose when to work as long as you submit your work on schedule. You could probably schedule your working hours to night time or early mornings, or time when the kids are asleep. The choice is yours.

Have a sense of control and contentment

People that work at home tend to have more control over their time and are in more control of their destinies. They get to set their schedules, set how much work they wish to do, giving them a better sense of balance.

Get away from office dynamics

The office is full of distractions from office colleagues, something that most moms miss when they first start working from home. However, over time they realize that it was reducing their efficiency.

Save money

Working from home, you get to save a lot of money as we have mentioned in some of the other points. You get to save money on the clothes you could have purchased for the office, lunches, and even coffee breaks.

Emerald Ash Borer

One of the best things about working from home is the fact that you can even decide to work in your backyard as you enjoy the environment. Things like listening to the birds singing while the wind whistles through the leaves can actually make you perform even better. Nature has a way of making people feel at peace with everything. There, however, are some things that are destroying that nature that we might love so much, and one of those is the Emerald Stalk Borer. This is a beetle that is threatening the existence of the Ash Tree by eating through the stem and then depositing their larvae to develop in there. This cuts out the water supply in the trees, causing death. The U.S. has spent more than $120 million trying to find a solution to the problem, which has affected more than 20 states, but they are yet to find a permanent solution. The current tree care solution is a treatment that must be administered every two years without fail. Alternatively, the solution is to get rid of the Ash Trees and replace them with other species of trees that aren’t affected by the borer.


Working from home is where the world is headed today. Most companies are opting to employ work from home professionals for reasons that we will discuss some other day. As a mom, you should take the opportunity to work from home for the above reasons.

Qualities of a Good Roofing Contractor

Being a mom, you’re the one that is practically in charge of the home. Dads spend most of their time fending for the family, while moms have to divide their time between work and family. In the event that there are things like problems with the house, which could include roof leaks, the mom will be the first one to notice and take action. If it is something that she can do herself, she will get it done, but if it requires technical help, she will have to seek professional help. In this article, we are going to take a look at some qualities of a good roofing contractor.

Qualities of a Good Roofing Contractor
Qualities of a Good Roofing Contractor

Effective Communication

The way that the roofing contractors communicate is very important. They should be attentive and responsive, and they should understand exactly what your needs are and how to sort them. They should be able to update on the progress and respond to any questions that you might have.

Warranties & Guarantees

Go for contractors that can vouch for their jobs by offering warranties and guarantees. This is also proof that they will provide quality construction and repairs.

Spotless Reputation

You need to check out the reviews of the roofing contractors to see what other people think of the company. These reviews can be found online and also by contacting people that have used their services directly. Companies with good reviews are also bound to give you the same great services that they offered to others.

Education & Certification

You should go for contractors that are well trained in their field and are also registered with the relevant local and international (where necessary) agencies.

Quality Materials

One of the qualities of good contractors is that they go for the best materials to ensure lasting results. Ask them about their suppliers and brands, and don’t forget to inquire about the price because quality products are usually pricey. On the brighter side, they are longer lasting.

Ridgeline Roofers – Roof Repairs & Replacements

Knowing how important it is for moms to choose the right roofing contractors, we are now going to feature one of the best roofing contractors in Virginia, Ridgeline Roofers. This is a roofing company that offers residents and businesses in Ashburn, Sterling, and Purcellville roof repairs and replacement, siding repair and replacement, and gutter services. They offer 24-hour emergency services within the cities, and they also offer routine checks on their clients. Ridgeline Roofers depend on efficiency and quality in their work, ensuring that their clients are satisfied. Another thing about the best roofer in Purcellville is that they are licensed, bonded, and insured, meaning that their clients can trust them with their buildings. Below are some of the features of Ridgeline Roofers:

  • Repairs don’t get free estimates.
  • Replacement quotes can take up to 48 hours.
  • Repairs don’t have warranties.
  • Roof replacements come with warranties.
  • They work with all insurance companies.
  • They have round the clock emergency service in Purcellville, Virginia.
  • They offer a 10% discount for seniors and veterans.
  • They are fully licensed, bonded and insured.


It can be quite a challenging job for moms to get the right roofing company but those in Virginia can let Ridgeline Roofers take care of any roofing issues that they might have.

Challenges Facing Work at Home Moms

Working from home is something that many moms dream of. They imagine all of the quality time that they can spend with their young kids instead of handing them over to other people to take care of them. Despite the fact that there are many advantages of working from home, there are also a number of challenges that the moms are bound to face. In this article, we are going to take a look at some of the challenges facing work at home moms.

Challenges Facing Work at Home Moms


When most managers think of letting their workers work from home, one of the things that come to their minds is that they will underwork and concentrate on other things. The truth is that the opposite is what is bound to happen as most work at home moms usually find themselves overworking instead. Some of the ways that they can prevent themselves from overworking include setting appointments or schedules on their calendars, setting reminders, make it clear to the team when you’re done, and creating physical boundaries between themselves and their working spaces. They should also ensure that their notifications are off since they tend to pull people back to work.

Prioritizing Work

Time management is something that work at home moms need to master, and they should try and learn how to stick to schedules. This is something that is quite a challenge since there are usually many temptations such as wanting to watch an episode of their favorite TV show, or the urge to play with a pet. Before they know, it is dark and already time for bed, and yet they have not completed their tasks. One solution to this is to manage energy instead of time.

Interruptions by Family, Pets, or Guests

One of the biggest challenges of working from home is interruptions by family members, pets, and even guests. These destructions can take a toll on performance and especially if they don’t understand that you’re working. Some of the ways of dealing with this include explaining to others your situation, letting them know when you’re busy, working when the young kids are asleep, or escaping to work somewhere such as a coffee shop or library.

Loneliness and Lack of Human Interaction

When working in the office, people are usually surrounded by co-workers. Working from home, it is easy to find yourself rarely interacting with other people. Making new friends can become something completely strange. One way of handling this is to take social breaks, working in shared spaces such as coffee shops, and joining local groups or clubs. 

Technology Hiccups

There is nothing as scary for a work at home mom than an internet outage or broken Don computer. It is always important to have backup plans such as working outside the home in places such as libraries or coffee shops.

Legal Bay Lawsuit Funding

Have you been injured in an accident or some other incident? This is something that can happen to people that work at home, caused by other people. In such cases, you might require money to treat yourself as the lawsuit continues and yet you don’t have the funds. This is where you’ll need lawsuit funding, whereby money will be advanced to you based on the lawsuit settlement you’re expecting at the end of the lawsuit. Legal Bay Lawsuit Funding is a lawsuit loan company that provides funding in as little as 24 hours from the time of application. You get a free case evaluation, don’t get to pay the money back out of your pockets, and the funding is risk-free, since if you lose the case you don’t get to pay anything. Among the type of cases that qualify for funding include:

  • All Motor Vehicle Accidents
  • Commercial Litigation
  • Construction Accidents
  • Discrimination
  • Employment Disputes/Wrongful Termination
  • Jones Act/Maritime Law


Working from home comes with its own challenges but there is a way to work around all of them as you have seen in this article. You can now spend more time with your kids as a work from home mom.

Reasons to Become a Work at Home Mom

Being a mother and working at the same time can be quite a frustrating experience. It gets even worse when the workplace is far from home and a lot of time is wasted in the commute. Such mothers often worry about their kids, since not everyone trusts their kids with nannies or daycare centers. That is one of the things that motivate mothers to work from home, which at times could mean a whole career change. In this article, we are going to take a look at the reasons why you should become a work at home mom.

Reasons to Become a Work at Home Mom

Spend more time with the kids

With the busy lifestyles we live nowadays, it is very easy to lose touch with the kid’s routines. Working at home is the perfect way to spend more time with them through every milestone that they make.

Increase or maintain your income

Making an income from home as you take care of the kids is one way to keep you going, especially if you had a career before. You can still make money, even more, due to the fact that you get to save on workplace costs such as transport and meals.

No Commuting

Commuting eats up a lot of our time and money (gas, public transport, car maintenance, insurance, etc.), which we could be spending on our kids. It also means that you get to do less work than you could have done during that period. Working from home eliminates that.

Work flexible hours

You have more control over your schedules and are more flexible. This is because you get to choose when to work, for most jobs, with many preferring to work during hours that the kids are asleep.

Gain a sense of control and contentment

You get to have more control over your time, making you feel more contented. You have control over your destiny as you juggle work and home responsibilities.

Save money on childcare costs

Many people spend a fortune on childcare while they are out at work. Depending on the type of job you are doing, and the age of the child, you can get to save this money and take care of the child yourself while working as a work at home mom. This money can be spent on other things.

Best Cashback Apps

Imagine shopping online and being able to get back some of the money that you spent? That is what cash back apps are all about, offering incentives to shoppers when they purchase certain goods or services. This is a great way to work at home moms to save money. In this part of the article, we are going to take a look at some of the best cashback apps for 2019. With some of these apps, stay at home moms has access to make money from home through various tasks such as surveys.

  • Swagbucks
  • iBotta
  • RetailMeNot
  • Ebates
  • Checkout 51
  • BerryCart
  • TopCashBack
  • BeFrugal
  • Shopmium
  • Southern Savers
  • Snap by Groupon
  • Dosh
  • SavingStar
  • Receipt Hog


Working from home is where the future is headed, and more and more people will be working from home, while companies will also opt to hire work at home labor where possible. Most of the tasks are online based, although people can also do other jobs such as babysitting.

How Mom’s Can Find Writing Jobs in Florida

Writing jobs are a good way of finding a supplementary income, and the best thing is that they can be done part-time, and even on a virtual basis. This means that you can write from anywhere in Florida without necessarily being with the employer or client. There are many types of writing jobs depending on what one is looking for, ranging from writing for tabloids, websites, emails, blogging, academic writing, and a host of others. In this article, we are going to take a look at how to find writing jobs in Florida. Florida is a flourishing city and there is bound to be a lot of writing jobs that one can do.


Freelancing Sites

Most people are nowadays opting to work from home as opposed to on site, and this has led to the growth of freelance websites like Upwork, Guru, and Freelancer. One of the advantages of freelancing as a writer is that you get to choose what you wish to write about when you want to write, and for how long you wish to write. You’re free to choose clients and projects. This feels much better than being frustrated by a boss at work, and you can actually get to spend more time with family. Freelancing sites such as Upwork have all sorts of clients, from Amazon to Forbes, and this means that they have all sorts of writing jobs, which include:


  • Blogging
  • Website content
  • Academic writing
  • Resume writing
  • Research writing
  • Reviews
  • Ebook writing
  • Social media content writing
  • SEO content writing


Cold Pitching

This isn’t as easy as getting a job on freelancing sites since it could take longer. It involves getting in touch with bloggers, entrepreneurs, companies, small businesses or startups, letting them know how you can help them to grow their businesses with your writing skills. You’ll have to identify businesses that you wish to write for and look for an opening, for example, if they don’t have a website or a blog, offer to set one up for them and let them know the benefits. Let them know how you can optimize their businesses with SEO, or through managing the content on their social media pages.


Job Boards

Many entrepreneurs, companies, small businesses, and startups pitch their jobs of job boards. Many of the job boards require you to have a membership although you could always start with the free version. They are better than freelance sites since you don’t have to bid for the jobs. Also, follow the tweets from the job boards on their social media handles.


Ask Around

Ask your friends, family, and acquaintances if they have any writing jobs, or if they know of anyone that requires the services. You could also ask them to recommend you.


Use Your Website

A professional website or blog is one of the best ways of attracting well-paying clients. You can offer your services through the website. You can go as far as working alongside other professionals such as website builders and marketers so that you can offer clients bigger packages.



The methods mentioned above are some of the most effective ways that you can find writing jobs in Florida, or anywhere else. Writing jobs are a great way to make either a part-time or full-time income, either freelance or onsite.

How to Deal with Teenagers

How to Deal with Teenagers

Teenagers are a very misunderstood breed of people since they are in the stage of their lives where they are looking for their individuality and peer acceptance. This is that period in their lives when they can destroy everything they’ve worked for, a time when they think that they know it all, challenging authority. Dealing with teenage children can be quite a challenge for those that aren’t prepared for it. in this article, we are going to look at some ways that a person can successfully handle their teenage children. Get also more information about when to get pregnant on 

Avoid Giving Away Your Power

Teenagers push parents to the point of reacting negatively, something you as a parent should avoid, as this will be handing them the power to control you. Some of the ways that they can make you lose your cool include disobedience, breaking rules, provoking, and throwing tempers around. Always maintain your cool and take a deep breath before doing anything that you might regret.

Set Clear Boundaries

If your relationship with the teenager is to remain constructive and workable, you have to set boundaries or ground rules during this time when they want to have unlimited independence. These rules should be fair and reasonable and should be backed by actions. Boundaries tend to command respect in both directions.

Use Assertive and Effective Communication

James Humes, a former presidential speechwriter once said, “The art of communication is the language of leadership.” This is true when it comes to working with teenagers as well as motivating them. Difficult people should be dealt with by using assertive communication skills.

How to Deal with Teenagers

Focus on the Leader When Dealing with a Group of difficult Teenagers

When dealing with difficult teenagers, don’t focus on individuals, go for the leaders. The rest are bound to follow suit and fall in line. This is the same strategy that is accorded to students.

Maintain Humor and Show Empathy When Situations Aren’t Serious

There are situations where you don’t have to overreact and be too stern when situations aren’t that serious. You can even inject some humor when talking to the teenagers, using lines such as “there she goes again,” before continuing what you were doing. When the matters are trivial, let the teenager decide what to do instead of you telling them. Click here to learn more positive parenting tips.

Let Them Help Solve Problems Where Appropriate

Teenagers might behave badly because they believe that adults don’t listen. Don’t be commanding with them all the time, give them options such as letting them know that you’re free to talk to them about something stressing them if they wish. Let them know that you’re there for them, and keep reminding them that they can talk to you about anything. This is what we call the “pull” strategy that will let the teenager come to you when they are ready. Learn more about solving the problems of teenagers.

When situations are Serious, Let Them Know the Consequences

When teenagers insist on breaking the rules, let them know the consequences as it will lower their resistance, and make them respect and cooperate.


Dealing with teenagers could vary from individual to individual, but by following the strategies above, you could quickly gain traction in understanding and taming them.

Common Causes of a Leaky Roof

Common Causes of a Leaky Roof

We all know the sort on inconvenience that can be caused by leaking roofs, and not to mention the sort of damage that it could do to the house. Leaking roofs can cause structural damage to buildings, including attics, ceilings, and walls, create health and safety problems for the inhabitants, as well as a hazard when it gets to the wiring of the building. Roof leaks need to be identified and repaired at the earliest point possible in order to avoid such occurrences. In this article, we are going to take a look at some of the common causes of roof leaks.

  • Broken or missing shingles – these can be caused by things like strong winds and heavy rains, and the shingles need to be checked physically on a regular basis.
  • Flashing damage – Flashings are found under the shingles, creating water resistant barriers. They can slip out of place or get damaged, leading to leaking.
  • Aging –aging is another thing that can lead to leaking roofs, since the roofing material weakens and gives in to harsh weather such as heavy rains and sunshine. This is why regular checkups are important.
  • Clogged gutters – When gutters are clogged by debris, it slows down the movement of water, and as it pools, it leads to leaking.
  • Skylights – this is usually caused during the installation of the skylight.
  • Chimney – this is another common cause of leakage, and especially when it has a slight crack.
  • Roof vents –With time, plastic roof vents are bound to crack, making them vulnerable to leakages.
  • Soffit or fascia damage – As they age, water is more likely to damage soffits and fascia are at risk of water damage over time. Water can soften the fascia boards, leading to leakages. They can also be damaged by small animals and birds, who can then make them their homes.
  • Excess moisture – Improper installation of gutters means that water is more likely to pool and cause leaks, which will lead to excessive moisture in the walls.
  • Holes –Things such as branches from trees or things such as satellite dishes installed on the roof can easily lead to holes, which then become a source of water leakage. You can get more information on

Common Causes of a Leaky Roof

Ridgeline Roofers – Roof Repair and Replacement

In the event that you realize your roof is leaking, it is time to call in the professionals so that they can repair it or replace it. this is what brings us to ridgeline Roofers, a roofing company that serves Ashburn, Sterling & Purcellville, Virginia. They provide quality roof repair Northern Virginia services and are available for emergency repairs 24-hours a day. Among the services that Ridgeline Roofers offers include:

  • Roof, Siding and Gutter Repair Services
  • Roofing Contractor
  • Siding Contractor
  • Roof Repairs and Replacement
  • Siding Repairs and Replacement
  • Gutter Repairs and Replacement

The company can come and diagnose where the problem with your roof lies, and also advise whether you need to repair it or replace it. Click here for more information.


There are many causes of leakages in roofs depending on the type of roof you have, the environment, and the maintenance schedule. You need to have a reliable contractor to take care of your roof and Ridgeline Roofers just that, excellent.

When is the Best Time to Get Pregnant?

When is the Best Time to Get Pregnant?

When is the best time to get pregnant? This is a question that most newlywed couples ask themselves as they start their journey into parenthood. There are some people that tend to conceive quickly, while others can take years, and yet they are following the same routine. There are many factors that come into play here such as disease, lifestyle, genetics, diet, state of mind, and a host of other things.In average, most couples take up to a year of regular sex before they actually get pregnant. This seems to make it hard to decide when the best time to get pregnant is. In this article, we are going to try and figure out when the best time to get pregnant is. This means knowing the best tie to have sex and if there are factors that can make conception happen faster. Conception is when the sperm fertilizes the female egg.

The optimal age to get pregnant

Women are most fertile in their 20s, and this is also when they have the best quality of eggs. Once they turn 32, their fertility begins declining. After the age of 35, the chances of miscarriages and genetic abnormalities are increased. Once they are in their 40s, their abilities to conceive naturally are reduced, although there are still many that have healthy pregnancies.

What days of your cycle can you get pregnant?

The sperm can live in a female body for up to 5 days, and since the best time to conceive is during ovulation, having sex 5 days prior to ovulation could still get one pregnant. Ovulation lasts for 24 hours, and this means that the overall window for ovulation is 6 days. The ovum can only live for 12 to 24 hours.

Ovulation is that time when a mature egg is released from the ovary and into the fallopian tube so that it can be fertilized by a sperm. That means that it is important to know your ovulation calendar if you’re to time your conception. This is tricky since each ovulation cycle could be different. Sex has to be within the ovulation window of 5 days before ovulation and on the ovulation day. That being said, a woman is most fertile three days to ovulation, including the ovulation day. This is the best time to conceive. Visit: for more information.

When is the Best Time to Get Pregnant?

How can you detect fertile days?

  • Temperature rise
  • LH surge (luteinizing hormone) – this hormone is produced when the estrogen levels increase, and it brings about the release of the mature eggs from the ovary (ovulation). One can predict ovulation since it happens approximately 24 to 48 hours after the LH surge. This makes it possible to predict when a woman is most fertile.
  • Changes in saliva due to the estrogen increase.

Tracking ovulation with irregular periods

A woman can track her ovulation using the following methods:

  • Chart her cycle as she looks for a pattern and also gets something to share with her fertility specialist or gynecologist.
  • Cervical mucus is clear, slippery, stretch, and in plenty during ovulation, it is similar to egg white. Click here for ovulation date calculator.

When is the best time of the day to have sex to get pregnant?

The University Hospital in Zurich research found that the best time to have sexual intercourse was in the morning before7.30am since that is when the sperm is most likely to travel, and they are at their healthiest when it comes morphology (shape and size), in April, March, and May.

How long does it take to get pregnant after sexual intercourse?

A fertilized egg can take up to 6 days before it is created, and up to 11 days before it implants in the uterus. This is when the pregnancy starts.

Can you get pregnant outside of your fertile window?

Yes, although the chances are very low, less than 1%. There is a possibility that the fertility window could last up to 10 days before ovulation. Learn more about how to deal with teenagers.


The information above should be able to help you in your bid to get pregnant. It is important to note that conceiving could take much longer than you anticipated based on the factors mentioned at the start of this article, but observing the above information could quicken it.