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Advantages and Disadvantages of Term Life Insurance – Is it Right for You? Before you take out a term life insurance policy, you should become educated concerning the advantages and disadvantages of this option. Getting a full view of the picture will help you make an educated decision about whether term life insurance or whole life insurance is better for your situation. After all, both are very venerable options for providing your family with financial protection if you should pass away, but you want to select the option that will benefit you and your family the most. The first advantage that causes some people to choose term life insurance over whole life insurance is the fact that your term life insurance policy can be obtained for a much lower premium. Permanent insurance has a set price, but it is far higher than term policies. This means you can afford to buy higher amounts of coverage for your family when their need for protection is at its highest. For example, if you have a risky job that puts you in daily danger, you will want to obtain life insurance at your young age to ensure your family's safety no matter what. Term life insurance is...more
One difficult thing to think about is our own death. Often death itself isn't the issue, it is the unknown of when, where, and how we will die. If those questions were answered, most people would prepare for it one way or another. Some would do all those things they've always wanted to do, while others would save their money for their loved ones...more
Fans of the acoustic blues maestro Keb' Mo' probably wouldn't guess from his innovative style and rigorous schedule that the talented musician is nearing 60 years old, but at 58 this Energizer Bunny of a blues singer isn't anywhere near retiring. Keb' Mo' (a stage name short for his real name, Kevin Moore) has been taking his famed guitar-fingering...more
Author: H. Bernard WechslerWhich Came First, Speech or Gestures, And So What? Adults are learners too, so how do we get our point across (comprehension) without sounding like a dominating school teacher? If you visit your doctor and he says your x-rays are Benign, you are a lot happier than if he says the results are Malignant, right? Benign means Healthful, Good, Favorable or Friendly. Malignant, on the other hand, means Bad, Harmful, Diseased or Lethal. But you know that. What if your doctor says the results are Benign, and air-writes with his index finger the capital letter B plus the number Nine (B + 9), and smiles? Speech plus gestures places the experience in long-term memory and improves communication up to 3x. Whether you want to influence, persuade or convince a kid or adult, using gestures together with words (verbal representation) almost triples their learning function. Hunter-Gatherers Our ancient ancestors about 200,000 years ago broke away from chimps and apes by cooperating on the hunt and bringing home the bacon. They used their fingers, hands and facial expressions to become organized predators that could take down a Hairy Mammoth. Imagine one small...more
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ProsWhen examining whole life insurance cover pros and cons one of many greatest pros is the money value, this is one of the single biggest advantages of whole life insurance. Many financial advisers contend that term-life is best for most people, as...more