Homeowners insurance: May cover your food spoilage

We have been hit hard by the storm and our power did not stay on. This created a huge amount of spoiled food. I almost cried as I loaded garbage bags full of my refrigerator and freezer's contents. Why? Well, my budget would have been ruined and that coupled with the high electric bill was going to put us over budget. Then enter my hero- our insurance company. I called my insurance and they told me that food spoilage was covered under my policy. I didn't even have to pay a deductible. They are … [Read more...]

My Child is Scared of school, help!

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What do you do when your child is scared of starting school? The first thing I ask the parent is are you sure your child is scared? I sometimes think as parents we are scared or we have bad memories that we assume our children have the  same fears we had. If they are scared try to narrow down the reason. First, I would ask direct questions to clarify their fear. I would then start with how they are transported to school and move through their school day to determine where their fears lie. It … [Read more...]