My Daily Smile

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Q&A: Is Colonial Penn life insurance a scam?

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Question from Carol:  My mom is 75 years old and she’s worried about my brother and me having to pay her burial expenses after she passes on.

We’ve told her that she doesn’t have to worry about that but she insists on getting insurance to cover her burial expenses.

I keep seeing ads on TV that say Colonial Penn will sell life insurance to anybody for just $9.95 per month, even if they’re as old as 85.

They also state that your premium will never go up. It’ll always stay at $9.95 per month.

How can they do that? If it’s true that sounds like something we could get for her. But I’m leery because it sounds like it has to be a scam. Is it?  [Read more…]

I’ve found the answer to one of my greatest frustrations

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If you’re like most people there’s probably a variety of things that tend to frustrate you at times.

I’m talking about relatively minor things that don’t mean a lot in the grand scheme of life, but are annoying nonetheless.

One of my greatest frustrations has always been trying to use drywall anchors to attach pictures and other things to a wall.  [Read more…]

How (and why) to use an electrical outlet tester

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I frequently feature a super-handy electrical outlet tester as my Daily Tech Gadget Pick on my tech blog, but it just occurred to me that I have never explained how (or why) to use one.

In a nutshell, these devices tell you whether any of your 120V electrical outlets are wired incorrectly and are unsafe to use.

An incorrectly wired outlet can cause all kinds of problems, ranging from surge protectors that don’t work all the way up to a serious fire hazard.  [Read more…]

Did you know there are smoke alarms for protecting the deaf and hearing impaired?

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Most everyone nowadays knows how important it is to have working smoke alarms in our homes.

But have you ever wondered if there are smoke alarms that are designed to protect folks who are deaf or otherwise hearing impaired?  [Read more…]

Life tip: How to easily carry multiple grocery bags at one time

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Do you ever find yourself struggling to carry the groceries you just purchased from your car to your kitchen?

Depending on the weight of each bag and what’s inside them, it could mean making several trips while carrying just three or four bags at a time.

I eventually mastered the art of choosing the bags that could most easily be carried together, but even then my hands would be cramped and hurting by the time I made it into the kitchen.  [Read more…]