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Organic Food Is Not Expensive

Red and Green Apple

In a previous article I talked about small steps to eat healthier.

Well, a study is out showing a possible link between certain pesticides and ADHD.  The survey studied over 1,100 children between the ages of 8 and 15.  Interviews with the parents determined which children had ADHD.

The findings then found that for those kids with the most frequent pesticide found in their urine samples, 20% had ADHD as opposed to 10% in kids with no trace amounts.

So I ask you this: Is eating organic food really expensive?

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It’s A Drop In The Bucket

Change Jar

I’ve been studying the martial art, Aikido, for a little over a decade now.  Occasionally, after class, my Sensei will tell us “What you learned tonight is just a tiny drop in the bucket. In the grand scheme of this art tonight wasn’t much.  But one day you’ll look at your bucket and see it’s filled up.  What you are learning will start to accumulate and you’ll need a new, bigger bucket.”  When I started taking classes I felt like I would never “get” this art.  But with persistence and patience it all started to take hold.  I’m no longer the green student I was on that first day over a decade ago.  Now I’m a black belt.  My first bucket filled up but I have a new, bigger one to fill up now.
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Credit Card Benefits

credit card wallet

Credit cards get a bum rap sometimes.

Yes, they can charge high interest and have exorbitant fees, but if you pay your balance every month and on time you aren’t affected.  For a vast number of people, cards cards are a great tool which comes with some nice benefits.

Here are some benefits of using a credit card:

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Eating Healthy One Step At A Time

An Apple A Day

I think most people want to eat healthy.

But for many it’s too tough to start (especially eating healthy on a budget).  We get into eating habits, that aren’t great, and its just too much to give them up and change our lifestyles.

So what do we do?  We don’t bother; it’s too hard.

Does this help a person?

Nope.  Does this sound like anything else we don’t take care of because its too hard?  Yup, personal finance!  So what’s the answer to eating healthy?  Just like your personal finances, you can start with baby steps and move from there.  Make small changes to your habits, little by little, and build up over time.
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How Much Life Insurance Should You Buy?

Calculating Money

How to get the right life insurance amount

Maybe you know you need life insurance, but all you get is the policy through your employer because it seemed cheap.  Maybe it is cheap, but is it adequate?

Since you’re thinking about life insurance anyway, you might as well make sure your family has the right amount of coverage.  Insurance is all about displacing risks, so your fist job is to figure out why you need life insurance.

Seriously, let’s pretend I just asked the question, “why do you need life insurance, anyway?”  What would you tell me? Write it down on a scratch piece of paper.
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How to Teach Your Young Children How to Budget

Chip Reward System

How can you teach a three year old to budget when they don’t understand money?

My husband and I paid off $70,000 in debt and have changed our beliefs from accumulating stuff to accumulating life experiences.  We wanted to teach our son some of the lessons we’ve learned.

As a mom, I have been trying to figure out how to teach my son about money, and find a system to reward him that doesn’t involve sugar or toys.
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Term VS Whole Life Insurance – What Do The Numbers Show?

Number Crunching

Glen, just wrote a great article discussing the differences between Term and Permanent Life Insurance, and to my amazement he was very fair when it came to permanent life insurance.  Most financial bloggers aren’t as partial, and spout (without ever running numbers) the standard “buy term and invest the difference” kool aid.

So I asked Glen for the opportunity to actually run the numbers between term and permanent life insurance.
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