Health and fitness are at the forefront in todays society, which means the demand for fitness professionals is on a rise.Opportunities and avenues for better income as a fitness instructor have never been better before. You can enhance your passion for healthy living with practical training and live sessions from highly experienced fitness professionals. As your skills develop and you gain experience, new doors of opportunity will open. Each day...more
The question of who is responsible for employee benefits, the staffing agency that places them, or the company that temporarily employs them, can often cause uncertainty and confusion. Agency employees placed through staffing or payrolled companies began adopting specific, and often unnecessary, policies to avoid employee benefits liability.Staffing firm customers increasingly began to adopt policies that would limit the length of assignments for...more
Reading a life insurance policy does not top most peoples list of must reads. However, it is important to familiarize oneself with the various provisions of the policy before it is time to file for benefits. There are several basic sections with which policyholders should familiarize themselves.1.The Cover Page The cover page identifies the carrier of the policy and the type of coverage, such as term or whole life. It also outlines the right to return the policy within twenty-one (21) days, as required by many state insurance commissioners. The cover page is always signed by an officer of the insurance company.2.Schedule of Benefits Page This page shows the amount of benefit payable upon the death of the insured. It also lists the premium due and any other charges that may be payable, such as in the case of a universal life policy. This page also lists the name of the insured, the issue date of the policy, the policy number, and the premium class of the policy, such as standard or preferred.3.Rights of the Owner This section outlines the specific rights a policyholder has regarding their life insurance. Owners are permitted to make changes to their beneficiary or to transfer or...more
Tax planning is one of the important aspects of financial planning. Not only does it help in reducing your tax liability but through this you also ensure yourself a secure future as you are forced to save that chunk of money through one way or the other.Therefore, while you plan your investments, tax planning should be an important aspect to...more
Life insurance plan not only provides a risk cover or death benefit in case the life assured dies within the term plan, it also provides income tax benefit through tax deduction and tax exemption. Although investment based life insurance policies are also subjected to various tax reliefs. So, prudent people choose a life insurance plan to ensure a...more
Life insurance policies are one of the most popular tools used by a vast majority of Indians for insurance purposes. An unexpected tragedy can happen in anyones life and life insurance policies are one of the best tools to lessen the financial burden in such circumstances. You also have the peace of mind knowing well that your family will be financially secure to an extent even after you are not around.Life insurance is basically a contract between the policyholder and an insurance company. When you are insured, the insurance company pays the insured amount to the designated beneficiary in your family after your death. Life insurance plans are offered by various private and public sector life insurance companies in India, the most popular being the state owned Life Insurance Corporation (LIC) of India. All of these companies provide a lot of benefits to the customers in terms of:life cover optionswealth multiplication opportunitieschildrens future preparation optionsretirement preparation options all of the above combined with tax benefitsAs a matter of fact, the tax saving feature of these policies makes them a preferred tool with professionals and investors. With these policies,...more
Negativity at some point bother all of us in life. There isnt a human being in this earth who have not experienced the onslaught of negative thoughts in our lives. But is negativity good? Have you heard a person who has succeeded in life with...more
Automobiles are a useful ownership and their value is just undeniable. Obtaining a car is just not an important issue, but also its servicing and overall look. After all, you have invested a lot of money on it and you will want to keep it in its best...more
Nearby to my home lives a homeless woman. We sometimes call her the pigeon lady. She doesnt look like a pigeon though. Its more to do with the groups of pigeons always around her I guess she likes their company. Her real name is Juliette.She had a...more
The African continent is unlike any other thanks to its wide expansive areas dotted with forests, national parks and reserves filled with a myriad of wildlife that no other continent experiences. In fact, Africa is the only continent that is capable...more
Alcoholism is one of the major dilemmas the country is facing right now. Here and there, we always hear cases of alcoholic people getting arrested for drinking and driving and other crimes associated with alcohol abuse. With all that we hear about...more
James Avery is not your ordinary craftsman. Few of his fans know this, but he flew 44 successful bombing missions during WWII. As with many of the returning WWII vets, he had constructing things on his mind after all the destruction witnessed during...more