Shopaholic? Me?

What does the term life insurance mean?

It is one thing to assume that it means if you die, you are cover and your dependants receive some cash from your insurers but the reality is far from that. You can have criticallife insurance, ie if you are diagnosed terminal or for some reason cannot work, this policy would cover you but most do not include this extra. You also pay a ridiculous amount for it. Personally, I think if you put the amount you would pay the insurance away instead of paying premiums, you have a better chance of being financially better off. Although you never know as your accident could happen within days of taking out your insurance. Then again, most will not cover you for a period of time eg the first 3 months! You could have medical life, this is where they cover your medical bills for private health care. Again expensive but it does cover MOST of your medical bills. Check about dental and optical as often they are separate yet again. And last but not least they only pay out for life insurance is certain cases of death, ie they wont pay if they think it was suicide!

As with all insurance read the very fine and tiny print!

It is amazing how suddenly everyone wants you to sell your gold and more interestingly it is very hard to discover what they want to actually pay for it. Now if you could buy gold online at the price they want to buy it at, you would be making a very good investment especially as I don’t think the price of gold has dipped in the last couple of decades despite the recession and bad economies.

Mind you, I could follow my son’s advice and go to the end of the rainbow to find the pot of gold… but would I just flog it? Probably but I would search online and off for the best rate!

The gadget shop has gone under again! It ceased trading at 5pm today. So between you and me, I place my vote on The Joke Shop any day for all your toys and gadgets! (Even if someone tried to resuscitate it).

Not sure how organised you are but I am not. I really must get round and order my uniforms for my son before school actually starts and take advantage of their free delivery too. Must go and shop.

I have decided to throw the twins an early birthday party here in IOM as we will actually be in Malta for their birthday. And I am planning a picnic. I thought to make life easier all round, I will have a food bag for every kid. So I wanted to get sandwich boxes for each kid like you would when buying a take away sandwich. Except because they are aimed for the catering industry, they come in huge quantities. Now it is far from being industrial equipment, they are just one step away from sandwich bags and could make life easier for mums preparing their kids sandwiches for school without having to wonder why their lunch box did not come home from school again and without the expense… but even I won’t be buying a minimum of 1000 boxes. They would last my life time and flood my house with more junk! I guess sandwich bags it is then.

A friend of mine bought a car recently and I was so impressed by her purchase, it was worth a note here. Generally I don’t recommend dealers for buying a second hand car as the prices tend to be well hiked up. I believe they make an average of £1k every time they buy or sell a car.

Anyway, they needed a car for a learner driver so they wanted a second hand car and found one at a dealer. She actually managed to get them to give her a full diagnostic with all the problems the car has. There was about £800 worth of problems. As a result, she managed to knock more than a grand off the price and had loads of added extras added to the car like new wipers etc. I don’t think she quite managed a 5th wheel warranty but considering that cars from dealers in the Isle of Man come with a legal year warranty, I think she did rather well.

Well done A!

I think I need to increase my iron and vitamins intake. I am feeling so run down, stressed and exhausted. Everything takes so mych effort, it is next to unbelievable. I know I have twin babies and a four year old but I think I am far more tired than that. I guess that statement should highlight just how exhausted I am. In fact I even booked a GP appointment. Even shopping feels like too much, hence the gp apppointment.

I would love to go on a caravaning holiday especially as that is the closest I would go to camping. I would drive through Europe and I would spend a few weeks travelling. However the complexities of caravaning make it too stressful to really contemplate. Probably having motorhome insurance is the least of your worries. You have to plan the route, take fuel and its ever increasing costs into consideration, plan where to stop, where you are allowed to park, where you can fill water, empty your toilets, recharge your batteries etc etc. So perhaps not.

I bought a ball pit for my kids which they love but I keep having to completely pack it away because of the neighbour hood cats who try to mark everything and I mean everything. So I thought about getting a ball pit cover but they are not easy to come by and when you do find them, they are expensive. It is not like I am after some hot tub covers just a ball pit cover. Maybe I will fashion some out of black garbage bags and duct tape. LOL!

Sometimes dealing with Ryan Air is like reading about Lipovox review, and it makes yoru stomach churn. I do use them because they are a bit like catching a bus, convenient and cheap but a pain in the ass. In the past you paid extra because you used a credit card but it was free when you used an electron. But now they renamed the charge and called it an administration charge. And that gets my goat and I don’t think it is legal. I was under the impression they were legally obligated to state the full price of a flight up front ie they can only add on optional charges after saying a flight can be bought for X. In other words, they can charge you extra for taking a bag as you can travel bag free but they cannot add this charge because it is an obligatory charge as all cards have the charge and there is no alternative way to pay!