Three Young Pigs

Three Young Pigs

I’m sure we all remember stories like Little Red Riding Hood and Goldilocks and  the Three Bears. These stories and other similar ones were staples growing up and gave us morals and principles to live by that still stand today.

Now that I have kids of my own I am always looking for new and exciting reads that will keep them off the electronic devices and in the books.

The Three Young Pigs promises to give the same life lessons with a witty and fun story line that is sure to be a new favorite.

Author Lisa McCartney has always been grounded in story telling. Being an educator her passion for teaching  life lessons goes beyond the classroom. Transitioning from exiting the classroom and homeschooling, Lisa decided to reinvent herself by marrying her passion for writing and children.

The Three Young Pigs wasn’t so much more than a sermon during a Children’s Ministry meeting when several of the attendants started asking for copies of the notes. It was then Lisa knew she was onto something and 2 years later “Three Young Pigs” was finally published.

Three Young Pigs is a story about three pigs named Lost, Carnal and Spirit Filled who set out to find the true success in life by making the right choices and reaping the rewards as a result from Master Pig. The book is appropriate for kids age 4-9.

You can purchase Three Young Pigs locally at Logo’s Book Store, Chapter One Book Store, Amazon.com or on visit the Facebook Page.

Lisa is not done with writing and plans to grace her with more fun filled stories.

I’ve gotten my copy! Be sure to grab yours.

 

Until Next Time!

XOXO

 

Coins and College

Coins and College

Don’t let the title fool you. The cost of college is no where near coins, its all about the dollars, ALOT of dollars. And while we all hope to win big with Island Luck, get that financial aid or even remortage the home the reality is thousands of kids every year do not have the opportunity to attend college for the mere fact that they cannot afford it.

I had planned on attending college, I had toured the campus in Tampa, applied for my visa, filled all the applications and then it happened. That check that was suppose to come, well it didnt and I would be delayed in attending college. I didnt speak for weeks, I was disappointed and mostly heartbroken.

For many college is an after thought. Something that is not discussed or even thought about until the child is near completion of high school and then all of questions come pouring in. I eventually attended college but most of what had happened before couldve been avoided if there was a college savings plan in place. I teamed up with one of our very own financial and budgeting experts Rashad Moss who breaks down the why’s,what,how and when’s of college savings.

Why save for college?

As parents we all aspire to provide the best for our kid/s. Tertiary education is no different. If you aspire to have your kids attend college , a college savings plan would be a great way to lay your foundation. It would be silly to spend 18 years of talking about sending your kid to college and then realizing you don’t have the means to.  If you gonna buy a brand new Ford Escape and pay on it for 10 plus years while it depriciates every day then you might as well put $10 a week aside for college.

When is the best time to start saving?

Rashad encourages parents to start as soon as possible. If you want to start from conception, well even better! The more years you put into saving the more money you will receive. It simple mathematics really.

How do you estimate future college costs?

Inflation is inevitable. I mean last week my silk milk cost $6.51 and this week it was $7.51. I can only imagine the cost of college 5, 10 or even 15 years from now. Rashad doesnt want anyone to be discouraged from saving but it helps to project and anticipate that you may need to add an extra $5 once your kid begins high school just for a buffer.

What if I can’t afford it?

I can’t afford silk milk but I budget and make it work. Rashad explains that starting small does wonders for parents on a budget, especially single parents. Maybe your end goal may not be $50k based on your monthly savings however your child can end up with 20k and trust me for a kid with big dreams of going to college that 20k maybe all the start they need to get their foot in the door.

What if my child doesnt go to college?

Rashad and I laughed at this one. I told him I want my money back! But Rashad offered some excellent point of views. Not every one is college bound. There are some amazing small and large business that have been started by persons who either didnt go to college or dropped out (I mean look at Bill Gates). The money that you save could be a wonderful start to a much need beginning. It can fuel a young entreprenuers dreams, fund a vocational calling or be just the right amount you need to add that extra cabana you wanted on Exuma.

Regardless it would appear that saving for college is one of the best decisions you can make as a parent.

If you havent started as yet have a talk with your nearest College Saving expert and spark a conversation. If you don’t have an expert here you can use mine! Rashad is always available and can be reached here.

Till next time

XOXO

#LunchBagBahamas

#LunchBagBahamas

While many may have had dieting as there 2018 goal, I was determined to add more volunteering to not only my portfolio but to my heart. I especially wanted to have my kids along for the ride to show that there is more to life than a Baby Alive Doll and pepperoni pizza.

This past weekend I had the awesome opportunity to be a part of HashtagLunchbagBahamas, an initiative that originated in Los Angeles in 2012 and made its way to Nassau in 2015. Three years later, Brown paper bags filled with all of our favorites including delicious sandwiches, cookies, popsicles and a hint of love are distributed to the local community to help combat hunger while spreading love and cheer.

Bright and early with the goal of 1000 Lunch Bags, Volunteers and Donations, HashtagLunchBagBahamas was a machine chugging away and I was along for the ride.

Naturally,  I arrived late (cause you know kids) but I was pleased to see that HLBB was a well oiled machine. Tristan had the volunteers hyped, there was music blasting, the energy was amazing and the volunteers were so into it. I was honestly surprised when I entered the room, didn’t expect that much excitement on a Saturday morning.

There were all walks of life already in the mix Dream Nation, Sororities, Fraternities, Individuals like myself. I was happy to see that there were other kids in the room as well. I had already briefed my 7 year old that we were helping to feed the less fortunate so she was already excited!

Every one had a role to play to make the day successful. There were what I like to call graphic designers who decorated the brown paper bags with inspirational images and sayings, and also persons who wrote Love Notes to accompany every bag.

Then there was the sandwich assembly line. Not gonna lie I wanted to eat a sandwich so bad, they looked so good! Wheat, White, cheese, turkey, ham, lettuce, tomatoes. YUMMY!

And then there was my station, making sure the wonderfully designed paper bags were opened and stuffed with all of the juicy bits.

 

 

Eventually Navy took on a role of her own leaving me to man my own station of filling the bags,  she quickly became in charge of the “Love Notes” transporting them back and forth and yes she owned it.

 

 

 

 

Dilly and Becky (her doll) needed little supervision as well surprisingly. All we needed was wifi, YouTube, a cozy corner and eventually she settled right in.

It’s distribution time and first stop was Gambier. Aside from a dog that probably just wanted a bag as well we were well received by the community. It really did my heart well seeing people actually eating the items in the bag.

Of course towards the end Dilly got cranky, battling nasal allergies, her runny nose and nap time had threw in the towel and I was only able to participate in one drop off.

While I may have been able to be more productive I’m glad my kids came along and that I was able to contribute one stuffed bag at a time!

At the end of the day 1100 bags were distributed to the various stops! How amazing was that !!! Hats off to Lincoln, Tristan and Nikki Jae from another amazing experience!

If you are interested in being a part of HLBB be sure to follow on Facebook and Instagram and visit the website to be updated on the next event.

 

 

 

 

Until next time!!

XOXO

 

Insurance Policies Every Family Should Have

Insurance Policies Every Family Should Have

Having experienced first hand the traumas of death and sickness this topic is dear to my heart. I hate to think about things I can’t control but the reality is sickness and death are a part of life and unfortunately we have no control how and when either of them can occur.

Having a growing family of my own I wanted to explore ways in which I can be prepared for when the inevitable happens.

No stranger to the topic, Rashad Moss  goes into great detail highlighting insurance policies that every family should have. With over 5 years  experience and a passion that goes beyond the contracts, Moss dishes out the why’s and when’s.

Life Insurance 

What haunts families the most is Death. The thing with death is you never know when it is going to happen and for families this is usually a sore topic. No one wants to think about their loved one dying and so the topic of Life Insurance is not always welcomed.

Life Insurance is the number one policy that ever family should have. Moss encourages persons, especially young parents to visit your nearest Insurance Agent and get the facts. Almost every family has a cousin that’s an insurance agent so I suggest you call them up.

According to Moss, not every policy is the same because not every family is the same and the purpose, though the end goal is to protect and provide for your family in your absence, is not the same either.

Reasons such as funeral expenses, college tuition or just leaving funds for your loved ones so they can continue to live in comfort are just some of the few reasons Moss listed as  important for having life insurance.

Sadly,Moss confirmed that poverty increases drastically for your loved ones if you don’t leave certain provisions in place.

Moss wants to stress that young men, especially fathers are some of the hardest clients to get.  Men being  breadwinners for most families  do an awesome job when alive but sadly many horror stories tend to surface after death and many families tend to suffer in their absence.  Homes get repossessed ,kids have to come home from college, and the list goes on. Death is already a difficult and sometimes traumatic experience,the financial comfort of your loved ones should be the last thing they have to deal with after such an event.

Pension

You blinked and just like that it’s now time to retire. You get this awesome retirement party, cake, presents and awards! The kids are out the house and it’s now time to travel the world, you live happily ever after!

Moss explains that somewhere between 6 out of 10 families are not prepared for retirement.

This is a startling but a very true reality. So much for happily ever after.

But wait you’re getting contributions from National Insurance (assuming they have funds). Until you quickly realize that your contributions barely cover BPL.

Pension is equally as important to invest in as any other insurance and like most of them the earlier you start the better.

Moss explains that with a pension plan you won’ have to rely on welfare to finance your retirement years or depend on your children for living expenses. He also went onto explain that pension is one of the easiest retirement plans to get into where starting with as little as $10 is encouraged.

Medical Insurance

No one plans to get hurt or sick but medical care is needed at some point in our lives or another and Medical Insurance covers your finances from sickness and illnesses. The financial and emotional well-being of the entire unit is at risk when a loved one is in dire need of medical attention.  Moss explains though this would be an ideal insurance for a family to have the reality is for most families limited income and lack of assets make this sometimes impossible to attain.

Believe it or not according to nap.edu,  children with insurance have better access to and use more health care services than uninsured children. The parents of insured children are also less likely to delay seeking care for their children for conditions that require it, and illnesses or conditions are not as severe when they do seek care. Uninsured children are less likely to receive important preventive services that can have beneficial long-term effects.

 

So there you have it.  Insurance that every family should have. Families come in all shapes and sizes and so not every policy will be the same. Nonetheless I really want to encourage my families out there to explore each of the policies and discuss the potential that it has to help protect and provide for your family. If you want to reach out to Rashad Moss directly click here and he will be more than happy to answer any and all questions.

Until next time…

XOXO