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With our World ever changing and the seasons flying past us with a blink of an eye, it seems like we can never be too prepared for what comes ahead.  My husband and I have our fair share and then some of aches and ailments and I’m always worried that when the time comes should we need to take time off of work due to surgery or injuries, that we are never fully prepared for such an event.  My husband suffers from an injury to his spinal chord and there is a possibility that he may need a spinal fusion sometime in the future.  Along with an injury he has to his wrist, we are always looking at the challenges we’ll have to face with and without short term disability insurance and how it could benefit us in the long run.  Between the much needed protection that we will need for ourselves and our family, there are so many reasons why we look at outside insurance for assistance.  One important reason for us is not only protection, but also so that we have a little something that can help us – especially since we have our three littles.

Falling In Fall - Be Protected With Aflac Short Term Disability

Short Term Disability Insurance can benefit anyone and let’s face it, there are those “rainy days” we can’t avoid and accidents we have no control over.  While the insurance through our employers may be beneficial for our needs, there can always be situations we have no control over where an outside insurance will help us out.  Today I’m going to share with you a little about Aflac’s Short Term Disability Insurance and their Fall 2015 Open Enrollment.

Aflac Logo

For most U.S. companies, fall marks open enrollment season, a time when workers can review their employer-sponsored benefits offerings and choose the health insurance policies that best meet their financial and health care needs.   Selecting the right health care benefits may be one of the most important decisions Americans will make all year (for my family it surely is) and an Aflac survey found that many workers do very little research to learn which plans and products really work best for them.  In fact, 34 percent of employees spent 15 minutes or less researching their benefit options in 2014.  Those who don’t set aside time to research their insurance options often end up with inadequate health care protection for themselves and their families.

Let’s face it, you have absolutely no idea when you’ll need insurance to fall back on or rely on.  There may be a time when you’ll need to take care of yourself or a loved one – especially if you have a family and you may need the extra help.  It’s a smart decision to have insurance there to help you during a time when you need it most.  When an unforeseen medial event occurs, many people are often faced with paying copayments, deductibles or treatment costs not covered by major medical insurance, as well as other daily living expenses – all while paying increasing health insurance premiums.  According to a recent Aflac survey, 66 percent of workers would not be able to adjust to the large financial costs associated with a serious injury or illness, and 49 percent have less than $1,000 on hand to pay out-of-pocket medical expenses.  Voluntary policies, which complement major medical coverage, are specifically designed to help pay for out-of-pocket expenses that can be associated with an unexpected illness or injury.  In addition, the cash benefits can be used to help pay rent, gas, groceries, child care or any other out-of-pocket expenses that continue to roll in even if someone is too sick or injured to work.

Many people mistakenly believe that the Social Security Administration will provide adequate financial assistance if they become disabled, but that’s not true in all cases.  In fact, more than 59 percent of disability claims are denied by the Social Security Administration.

  • In addition, workers’ compensation only covers on-the-job injuries and disabilities, and considering that off-the-job injuries are three times more common than on-the-job injuries, having disability insurance can help you avoid devastating financial situations resulting from an unexpected accident that may leave you unable to work.1
  • Short-Term Disability insurance pays a percentage of your income if you are unable to work due to a covered illness or injury. Benefits are paid directly to you, unless otherwise assigned, to help cover things like deductibles, car payments, utility bills and more.
  • Those who should consider this product –
    1. Parents with young children and/or other dependents.
    2. Those who agree they should take better care of their health (feel stressed or need more sleep and a better diet).

Falling In Fall - Be Protected With Aflac Short Term Disability

While selecting the right insurance can be intimidating, it’s best to be prepared.  Aflac offers a variety of different insurance options for you like Accident, Cancer, Hospital and Life Insurance.  Aflac also offers short term disability and you have options that are available to help relieve some of the stress from those unexpected life changes and events that may occur.  With a growing family and my husband in a law enforcement field, there are so many things that can occur that can change our lives in a heartbeat.  You can never be too prepared and helping relieve some of that worry could be beneficial for you and your family.   Take a look at Aflac’s Fall 2015 Open Enrollment and see if there is something that could be beneficial for you.

Signature Honey

I was selected for this opportunity as a member of Clever Girls and the content and opinions expressed here are all my own.

Summertime in Hawaii is a dream come true for many and for my family, we love it and enjoy our paradise home year round.  As a family, we love to get outdoors and experience all that our beautiful islands offer us from the ocean and streams to hiking, climbing and all around fun.  But with the high island heat, deep ocean water and so much to do around us, we must be prepared for anything and everything and planning for a safe summer ahead of time is a must.  Having worked in the tourism industry for years, I have seen many injuries occur and today I want to share some simple tips that will make your summer time here in Hawaii or anywhere a blast and hopefully – accident free.  Here are a few personal summer safety tips that I think every parent should know.

Summer Safety Tips Every Parent Should Know - Be Summer Ready With Aflac

Summer Safety Tips:

Stay Hydrated – Drink plenty of water!  While we are out and about having fun and enjoying our summer, often times we don’t realize that we haven’t been hydrating our bodies until it is too late.  Make sure to have consume/drink the daily intake of water or increase the amount depending on your level of activity/fun.  Drinking water not only helps to keep your body hydrated and healthy, but it will also keep you feeling cooler while you are out and about.  Don’t forget about this important tip.

SPF/Sunblock are Essential – Use it!  Let’s face it, many of us forget to apply sunblock before it’s too late so the key is to be prepared and have it ready and handy before you plan your summer adventures.  SPF or even coverups like hats, etc. can be essential in not only protecting your skin from sunburn, aging, etc – but also cancer.  Make sure to have an SPF you are comfortable using and apply 20 minutes before you get out in the sun.  Reapply every two hours as needed or if you are in the water.  Sunblock is so important to our family that I always carry a small travel size in my purse year round and my sons always wear a hat year round if we are gonna be exposed to the sun and elements.

Update that First Aid Kit!  Since I have very active boys, we have a First Aid kit in each vehicle, a small kit in my purse and a large one in the house to be prepared at a moment’s notice.  Cuts, scrapes, thorns – all things ouch can occur at any time and it’s always best to be prepared.  My son has played basketball for years and each year one of his teammates get hurt on the court, needless to say – Mommy is always to the rescue.

Water Safety is a MUST!  Obviously, we live in Hawaii and are surrounded by water so it is important that we teach our children water safety.  My husband and I are both CPR Certified and have years of water training both in the pool and ocean so it is imperative that you teach your children the dangers of water and how to protect themselves.  While working in the hotel industry, I have seen many tourists drown due to lack of knowledge of the ocean current, waves and tides so it is important that no matter where you go – that you familiarize yourself with the ocean conditions and know that the ocean is unpredictable.  Check signs, posted flag warnings and speak with a life guard on duty when available and make sure to supervise your children at all times.  When swimming in a pool, make sure you are supervising your children and have nice clean fun.  One important thing to also remember… if your child has been taking in water while swimming or gulping water while playing – monitor your child several hours after water play as that can result in Secondary Drowning – this goes for adults too.

Summer Safety Tips Every Parent Should Know

Know Limitations!  Teach your kids to listen to their bodies.  This may not seem like a big deal, but it can turn into a disaster if not taken into consideration.  Teach your children that if at any point they feel pain or discomfort while playing, they should notify their coach and get out of the game or tell a parent or adult while playing. While sitting on the sidelines is one of the most difficult situations a player can face, pushing through injuries increases their severity and keeps you out of action longer.  This goes for regular outdoor play, swimming, etc – not just during a game or game play.

Be prepared with accidental & supplemental insurance coverage and Plan for unexpected expenses!  Let’s face it, accidents happen and while children are still learning and growing, things can always happen at a moments notice without warning.  If you keep busy during the summer months, whether a vacation trip or just lounging at the beach or pool, it is always best to be one step ahead of it all and get that extra insurance to help with expenses.  Between sports (which occur often during the summer for my boys) or outdoor play and activities, it’s best to be prepared.  Accidents happen. When unexpected injuries happen, make sure you’re prepared with supplemental insurance like Aflac’s accident policy to help cover out-of-pocket expenses.

Should the need arise where you need that extra insurance benefit you’ll have it ready.  Submitting health insurance claims isn’t something people necessarily look forward to doing – with claim denials and waiting up to a month for payment, it can be a long and difficult process. And while 30 days may not seem like a long time, for families struggling to pay medical expenses, it can feel like a lifetime.  Therefore, Aflac recently introduced One Day PaySM – an initiative that allows Aflac to process, approve and pay eligible claims in just a day.  By being prepared, you’ll have a back up plan should you need it.

Visit Aflac’s Accident Insurance page for more information on their accident policies here.

Aflac-same-day-pay
Last but not least, the most important tip for Summer is to Enjoy life and have lots of fun. Children grow up too quickly so make sure you cherish every moment and make lots of memories!

Happy Summer!

Signature Honey

I was selected for this opportunity as a member of Clever Girls and the content and opinions expressed here are all my own.

It’s been almost 6 years since I have given birth to my twins and the day is still quite fresh in my mind.  All of my pregnancies were difficult and this particular one was no exception – but more so because it was VERY high risk and I was carrying two instead of one.  About four months into my pregnancy a family friend gave me a bunch of books about twins (since she had just delivered her own about 6 months prior) and mixed in the bunch was the book What to Expect® When You’re Expecting.  During the remainder of my pregnancy, I read through all of the books, but carried this particular book with me and read it consistently.  To say it was a lifesaver, is an understatement.

What To Expect When You're Expecting - The Perfect Mommy Guide

While I’m not expecting any children in the immediate future, I keep these books on hand because they contain a wealth of information for both myself and my husband and they are a great reference for friends, family and ourselves to turn to when we have questions.  There is a reason why they are the #1 Bestselling Pregnancy Book – it’s one of those books that you just can’t donate or pass on because it’s that valuable.  Have you ever read a book that referenced anything, especially pregnancy and felt like you were reading something written in Greek?  Well, that is why Heidi Murkoff & Sharon Mazel’s What to Expect® When You’re Expecting, What To Expect® the First Year, and Eating Well When You’re Expecting have in common?  They are easy to read and literally lay everything out in easy terms that make it simplified for you to understand.  It’s a timeless book series that I love, will reference during each of my pregnancies in the future and suggest to any mother or father expecting their own child.

What To Expect When You're Expecting - The Perfect Mommy Guide

I really enjoy that this series of books offers you not only a wealth of information, but it is something that you can pass down for generations, sharing with your own children.  The books offer everything from the beginning through the first weeks after pregnancy and well into your child’s second year (What to Expect® the Second Year) making it a hub of information.  The books were my guide in Postpartum where I struggled and continue to struggle today and have been such help in combating an issue that many women experience.  After having my twins, I experienced major depression and my hands were so busy with my sons, I didn’t realize what was happening to me.  A quick glance at the book and I was able to determine that it was time to visit my doctor and I’m glad I did because I was diagnosed with severe postpartum depression.  Without a little push from the book, I may have allowed such a big deal to take over and I may have not realized what was happening.  I still deal with my depression today as a result of postpartum, but thankful it was caught in time before anything drastic occurred.

What To Expect When You're Expecting - The Perfect Mommy Guide

It’s amazing that with a plethora of information on the internet, I still found that a book would be my number one reference – till this day.  The What to Expect® When You’re Expecting series is based around the main book, What to Expect When You’re Expecting which has been the Bestseller Pregnancy book for over 600 weeks.  It’s a definite necessity in my book and America’s Bestselling Parenting Series for a reason.  As a mother who experienced some of the most difficult pregnancies, I am thankful that I have the books to fall back on for information.  There is a wealth of information and covers everything you can think of.  No question is odd, weird or embarrassing and sitting down with this book is like chatting with your best friend.

What To Expect When You're Expecting - The Perfect Mommy Guide

What to Expect® When You’re Expecting is the long-running book on the New York Times Bestseller list and recommended by moms (myself included) and doctors alike.  In fact, my OBGYN hands this book to her patients that are expecting and makes it a point to keep them well informed with a great read.  This book is definitely “mommy survival guide” status for me!

Have you read this series of books from Workman Publishing?  If not, is this something you’ll be adding to your must-have list when you are expecting?

Signature Honey

I was selected for this opportunity as a member of Clever Girls and the content and opinions expressed here are all my own.

As a mother with skin sensitivities, I’m constantly on the hunt for products that will help to make my “mommy duties” a little less hectic and keep my family healthy.  With three boys running around and keeping active, I’m always on my toes to be one step ahead of them at all times.  Since cleaning products are a part of my every day routine in keeping the house and family in order, I’m always on the hunt for products that provide natural ingredients and a limited amount of harsh chemicals we see in most products sold in the stores today.  Since I have many sensitivities to products, I’m constantly looking for products that will not affect my Eczema or cause any skin issues for my children as well.  Recently I’ve been introduced to method laundry detergent and I’m fortunate to have found a product I know will work for my family.  Since doing laundry and keeping clothes clean are essential in any family, I wanted to share a few tips on how my family and I keep on top of these mounds of threads.

Twin boys

To keep our work load at a minimum for our family of five, we tend to do laundry at least 2 times a week and on average 3 or 4.  This helps to cut down the size of the load but also makes it easier so that we are not washing 5 loads of laundry in one day.  I think it is a bit more convenient for our family to drop a load in every couple of days and it keeps us on top of the laundry and piles of clothes that we often accumulate.

Method_Detergent_031315_Spring_Garden_040x

When using a detergent, find one that is effective and that works.  There are so many brands on the market today and it’s essential to find one that will provide you with clean clothes each and every time and still keep your colors bright and your whites – white!  The new 4x concentrated method laundry detergent has naturally derived cleaning power that is tough on dirt and stains.  It works great in cold water – which helps you use less energy for every load and it is great for pre-treating stains.

Use products that will work double-duty… make sure they are not only effective for removing stains, but also keeping your children’s clothes (and yours) fresh and smelling clean until it’s used.  With a fragrance-forward expansion of their laundry portfolio, memory laundry detergent includes a wide range of scents that are different then the same old, common laundry ones.  There is a scent for everyone from fruity (ginger mango), floral (spring garden), herbaceous-woody (beach sage and fresh clover) and for those who are sensitive to fragrance – free + clear which has no fragrance at all.  Use your favorite scents year round or change it up with the season.  This offers your household and your clothes a fresh smell all the time.  This is especially helpful for use on linens as it will offer a soft fragrance throughout the entire home.

children

Most importantly a laundry detergent that offers a great design for use may seem like it is not important, but it will help in saving money and time.  Have you ever experienced pouring your laundry detergent in  the included measuring cup only to spill it everywhere because the packaging was too bulky or just difficult to hold?  With an easy-to-use grip on the bottle instead of a handle, memory laundry detergent is not only easy to work with but also includes 100% post-consumer materials and is fully recyclable.  The bottle is also transparent, which means you will ensure to get down to the last drop.  No more are the days of wasting product since you can’t see what is left in a traditional detergent bottle.

Method_Detergent_031315_Fresh_Clover_128x

method Laundry Detergent is biodegradable and has a hypoallergenic formula which gives this sensitive skinned momma peace of mind that it will not cause adverse reactions for my families skin and health.  The bottles are fun and will be perfect to incorporate into any laundry room decor and again, method is available in fun scents that the family will enjoy.

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Looking for fun Spring and Summer fashion inspiration?  Be sure to check out the ASOS and method collaboration for great fashion ideas inspired by method’s new fragrances.  These finds are all machine-washable!

Interested in trying out method laundry detergent for your family?  Use code: THREEFORME for $3 off your online purchase.  Click here to read more and see what is available.  Happy Laundry Washing!

Signature Honey

 

I was selected for this opportunity as a member of Clever Girls and the content and opinions expressed here are all my own.


It’s no secret that I am Photography obsessed.  Since the day my dad put a camera in my hands many many moons ago, I have a love of photos and taking images that is beyond passion.  After having my children, that love and passion turned into an addiction – so much so that most times when my children see a camera… they are already smiling. lol  And, if you have been following me on Instagram, you know that I’m also a Selfie Obsessed Makeup Addict – self proclaimed, of course.  Taking photos constantly and on a daily basis is a part of my life and sharing them with family and friends is important to me.  But, what if my family members don’t have Facebook or Instagram?  Well, that is where the Seahorse app makes my life in photos fun and interesting…

seahorse appThe Seahorse app is available for both iPhone and Android and is a way to privately share your images with Family and Friends.  Our life is full with different scenes whether it be a trip, a celebration, a wedding or just a day where you want to take a bunch of photos. Share those photos with those that are special to you without sharing them with the World is now easier than ever.  Gone are the days of emailing a limited amount of images because you are going over your email limit or texting galleries to family and friends.  Now you can share your images on one little app while your family/friends can add their own images and video to your scenes too.

seahorse app

Using the app is easy as pie… I have an Android Phone so here is what I did.

  • Download the app directly to your phone, iPad or Tablet.  Search “Seahorse” and you’ll see an icon with a little white seahorse against a purple toned background.
  • Download Seahorse via iPhone.
  • Download Seahorse via Android.
  • Log in (if you already have an account) or Sign Up.  Signing up is easy – simply use your Facebook, Google + or your email address to sign up for a free account.  Already have an account?  Then go ahead and log in.
  • After you have signed up, follow the prompts to create a new scene to share with your friends and family… Select… New Scene or Tap the Camera Icon on the top right of your screen and a pop up with be visible stating to “Take a Photo or Video, Import from Gallery, Import from Other services, + New Scene”.
  • Tap the “New Scene” and name your gallery – i.e. Twins Birthday Celebration
  • Be sure to invite some of your friends and family to view the gallery.  You can manually type in an email address or it will search for contacts through your contact list.
  • Select or Tap “Create”
  • You can now start adding images to your scene and your friends will receive an email with directions to download the app.

“Uploading images from your galleries on your device or computer is simple.  Just select the image from one of your galleries or a video and you’re good to go.”  

seahorse app

A huge huge benefit for me when it comes to Seahorse is that I can also upload and add images directly from my computer which is a big convenience for me.  Since a lot of my images are taken with my DSLR and imported directly to my computer, this allows me to upload directly into Seahorse without the additional steps that I may need from other applications.  I also like to have a break from my phone and tablet from time to time and this really allows me to use the source of choice easily.  And, this photog is all about resolution so I’m happy to say that Seahorse saves your images in their original resolution.

“Use Magic to shake your phone for random images from across scenes to discover a forgotten moment, milestone or celebration”

seahorse app

Uploading images, viewing your scenes and sharing images is very easy. Simply tap to upload, tap to view and tap to share. And, what I love is that the friends that are added to your scenes can also upload and add images and video to share with you.  It’s like a personal gallery that you each can enjoy.  I especially love this option because family parties or gatherings can be turned into a scene full with images from each person that attended.

“All photos and videos shared in a Seahorse scene are co-owned, or belong to, everyone invited to that scene.  Intuitive organizing and sorting by date, location, friends and scenes make it easy to find and share memories.”

Girls night out?  Yay – simply add your friends and you can each share images and video that you captured that evening.  

Since my parents don’t use social media sites, this gives all of us the opportunity to connect and share our treasured moments with one another without being bogged down by a news feed.  For those of you that have family or friends that are trying to stay away from Social Media – this is a great way to share your life’s scenes with them instantly and quickly.  Seahorse is ALWAYS private.  So feel confident knowing that you only share what you are comfortable with and whom.

seahorse app

Seahorse is offering my readers an extra 5GB of storage by using promo code: CLEVERHORSE.  This promo code is good until October 31, 2014 and it can only be used once per user.

To redeem:

    • Tap the icon on the top left corner to access your account settings
    • Tap “Redeem”
    • Tap “Write code” and enter CLEVERHORSE
    • Tap “Go” on your keyboard

Technology offers so many advancements now a days and sharing your life with those you love is now much simpler and fun.  The Seahorse app made my favorites this month and I know it will be a favorite of yours too.

I was selected for this opportunity as a member of Clever Girls Collective and the content and opinions expressed here are all my own.