Make Earth Day EveryDay

By: Erica Wery

pallet 1Earth Day is an annual event celebrated on April 22 worldwide to demonstrate support for environmental protection. It was first observed in 1970, and is now coordinated globally by the Earth Day Network and celebrated in more than 192 countries each year.
Many people assume that Earth Day is all about large group gatherings or activists protesting pollution. There is much more that can be done, and is done during Earth Day, and you yourself can participate in the smallest of ways.
While some people may choose to be more vocal about the need to protect our environment, you can participate by simply appreciating what nature already has to offer you. We cannot truly protect something, such as the environment, unless we establish an appreciation for it first.
On this year’s Earth Day, take a moment to appreciate the simplest of things in nature. Hang up a birdhouse, plant a windowsill herb garden, or clean out those neglected flower beds from last fall. These tasks will not earn you the Nobel Peace Prize, but they will earn you a sense of personal satisfaction and accomplishment. If you are feeling more ambitious and creative, please keep reading.
Wooden pallets are just one of the harmful materials filling up the country’s landfills every day. Though strides have been made to keep materials such as aluminum cans and plastic bottles out of our nation’s dumps, millions of wood pallets continue to pile up.
Statistics vary regarding how many million wood pallets now reside in landfills. Some estimates claim that as many as 200 million wood pallets are thrown into U.S. landfill facilities every year. Of those that find their way to the dump, over half were only used once before they were discarded.
pallet 2Besides using leftover pallet as fire wood, there are dozens of alternatives available for “upcycling” or reusing these wood pallets for useful purposes. One of the most creative and innovative repurposing options is for gardening. Wooden pallets make excellent planters either laid flat or propped up against a wall vertically. If woodworking and building is your forté, then dismantling the pallets and utilizing the wood for building something new may just tickle your fancy.
If you are hungry for more creative ideas, then please visit this link. It offers 20 creative ways of upcycling wooden pallets for the garden and outdoors:
http://themicrogardener.com/20-creative-ways-to-upcycle-pallets-in-your-garden/

What Type of Life Insurance is Right for you?

life insurance graphOne of the most important reasons for purchasing life insurance is to provide for final expenses and a similar quality of life for the family after a death. However, the needs for each person vary depending on age, life stage, and family situation and will likely change throughout your life. Before purchasing life insurance, carefully consider your options to determine which type of policy best fits your needs.

Term Life Insurance is coverage that is in place for a certain time period – it is often referred to as “temporary coverage.” You can typically purchase coverage in periods of 10, 20, or 30 years. If you die before the end of the period, your beneficiaries will receive the death benefit. Term insurance does not typically have a cash value. In most cases, term insurance can be purchased at more affordable rates than permanent coverage.

Permanent Life Insurance offers protection for your entire life. There are several types of permanent insurance plans, including Universal Life and Whole Life. Permanent insurance builds cash value on a tax-deferred basis. You can generally access your cash value in the form of a loan or withdrawal during your lifetime. Premiums can be a fixed amount and are generally greater than they would be for the same amount of term insurance.

What does wfla have that fits these categories?
10, 20, or 30 Year Renewable Term life insurance: Guaranteed level premiums for the 10/20/30-year period and annual renewable rates thereafter to age 95. This term can be converted into to permanent insurance coverage at any time prior to the end of the original 10/20/30 term time period or prior to the certificate anniversary after attaining age 70, without proof of insurability.
Whole Life Insurance: A traditional dividend paying* life insurance certificate that provides life-long insurance protection. It features level premiums, guaranteed cash values, optional riders, and benefits.

WFLA offers four different Whole life options:

Continuous Pay over the life of the insured
20-Pay premiums over 20 years
10-Pay premiums over 10 years
Single Premium pays one lump sum

Universal Life Insurance: Provides permanent insurance protection with flexible premium and adjustable benefits. Cash value accumulates at competitive interest rates on a tax-deferred basis.

*dividends are not contractually guaranteed.

For more information on the products wfla offers, contact the Marketing Department at 319-363-2653 or toll free 1-877-935-2467.