Recently my sister’s hubby died unexpectedly leaving her with huge debts and responsibilities and no way to pay them.  He had been the bread winner of the family, but had no death benefits other than the little bit that Social Security pays.  They have two children, and now she is in trouble.  She has to look for a job in this really bad job market.  It is not going to be easy for her.

I had been after them for years to get cheap term life insurance on both of them because I had a bad feeling that this would happen and that she would be in deep trouble when it did.  I have some life insurance policies on my life to take care of my final expenses, and if and when I get married and have children I will make sure that the life insurance is increased to take care of my family after I’m gone.  I don’t want to burden anyone with taking care of my debts personally after I’m gone.

If I owned a house, I make sure that the mortgage would have insurance on it as well, both life and disability.  Life throws everyone a curve ball eventually and there is no escaping death.  That is indisputable.  Buying mortgage insurance buys peace of mind to you, and to your family.  I’ve told my sister that now is the time that she should buy mortgage insurance from a good company like NAA life, to protect her kids in the event of her disability or death.

I love the Holiday season!  It seems that so many of my friends have holiday parties throughout the month!  I have to be really careful, though, of how much I eat; I don’t want to gain too much weight .    Don’t get me wrong, I’m a slender person and I would look fine with a few extra pounds on me.  I don’t really have enough money to buy a whole new wardrobe.  I love to shop, but not out of desperate need.  It seems that when I really NEED something, I can’t find anything that I like!  That’s rather a paradox that I’ve noticed - if I have the money to buy new clothes, and NEED new clothes, I can’t find anything that looks good on me!  But if I don’t have the money, and don’t NEED anything, then everything I see is adorable!

I could not believe my ears today when I heard on the news that the big bailout that the US Government was putting together to save our economy has not passed the House of Representatives!  What a complete disaster!  I don’t know what President Bush can do now, I hope he can do SOMETHING, this is a huge crisis for our country!  I have to say that most of those people who voted against the bailout will probably NOT get re-elected!  What a huge mess!

I just wanted to comment how very concerned that I am about our economy.  The price of gas is way too high, with very little evidence that it will go down anytime soon.  The stock markets around the world are struggling, and the big insurance companies and financial institutions are on the brink of disaster.  This is a tumultuous time.  I’m very concerned about my job security - or lack thereof!  I’m afraid that many businesses are going to be laying off employees, and I’m afraid that I will be one of them!  It is not easy finding a good job in this economy - in fact it’s not easy finding ANY JOB in this economy.  These are scary times!