There comes a point in most people's lives where they are faced with a crucial decision on what to do about the senior care needs of aging family members. As parents get older, their health concerns generally increase, and eventually they are unable to care for themselves. When this happens, children need to decide whether they want to send them to a nursing home or choose an in home care option. If you ask most seniors, they will tell you that...more
In life insurance, there are three terms that have to do with age: age basis, original age, and attained age. The names are rather straightforward, but you may find that the implementation of each concept can throw you for a loop. Let's learn how they're usedWhen you start a life insurance policyAfter completing the life insurance application process, you may be dismayed to find that the price you are offered is different from the price you...more
"Play the Sunset" and Succeed in Life "Play the Sunset." This is the inspirational advice that fictional music teacher, Glen Holland (actor, Richard Dreyfus) offers his musically-challenged student, Gertrude Lang (actress, Alicia DeWitt) in the popular film "Mr. Holland's Opus." Holland's brilliantly constructed three-word metaphor magically connects with Gertrude and inspires her to improve her clarinet playing. It's all about passion leading to exemplary performance.There are those that sleep walk through life. They basically work to get paid and then go home to eat and sleep. In between, most do just enough to maintain their own status quo. The work seems to get done, but with little evidence of energy, pride, personal enrichment or enjoyment. It all comes off as very uninspired and mechanical and their daily job attendance pollutes BOTH the work and customer environments. Deborah Becker, a State Farm agent in Eau Claire, Wisconsin, says that the majority of applicants she sees at her office—regardless of age—seem unable to project warmth and kindness, especially crucial in the service business. This seems consistent with what many of...more
Pregnancy is an important and vital stage in life of a woman. It is important to have proper knowledge and information so that a woman has nine months of satisfaction. With pregnancy tips, a woman can know about you to deal with various things and mood swings that are most common at time of pregnancy. Having essential information is good for both...more
One of the most powerful attributes we as human beings has is the ability to think and make decisions. We are given the power and ability to change and live a better life. Yet unfortunately, many of us are not using this ability to change the bad circumstances that we are in.Perhaps you have experienced this yourself, you have been stuck in a job...more
One of the least exciting parts of setting up your future financial plan is getting a life insurance policy. You probably have been told the importance of having life insurance in your portfolio, but you might be confused about which type of life insurance you should have.Well, if you talk to most insurance agents, they will recommend a whole life policy-a policy with a higher monthly premium that gains cash value over the life of the policy.However, if you talk to most other financial experts, they will advise term life insurance-the kind with the low monthly premium that only pays a benefit upon the death of the policy holder.I would fall into the latter group and recommend term insurance, and I will give you 3 reasons:1. Term insurance does what life insurance is meant to doThe purpose of life insurance is to make sure your loved ones are protected in the case of your untimely death, so why complicate matters by turning the policy into an investment vehicle? With term insurance, you can cover your loved ones during the period of time they need the coverage, which is why you are buying it in the first place.2. A term life policy is far more affordable than a whole life policyTerm...more
If you think you need an economics degree to understand life insurance you"re not alone. Companies are coming out with more and more complex products and what was once a relatively simple purchase is now complex. How do you choose the right life...more
Preserving money on insurance coverage is usually a main issue for absolutely everyone. After you are looking to make the most out of your insurance coverage buying, you'll find a good deal of distinctive points which you need to think about....more
When it comes to house acquisition, many people are worried of how they will acquire one legally and how they will be able to pay for it. This has seen many people go for loans while others go for mortgages to enable them to get the house of their...more
Birdwatchers as well as nature enthusiasts have discovered their recreation space in Guatemala. Fifteen percent of Guatemala's land is allocated for national parks, wildlife sanctuaries, national monuments, in addition to biosphere. Not to mention,...more
With the global economy forcing us all to cut back on spending, it's often vacations that are the first thing on the chopping block. This is a huge shame - travel is a life changing experience, recognized as one of the best ways to spend your time....more
Applying for Life Insurance after 50 Life insurance can be quite a complicated subject to navigate through. Middle-aged consumers especially have a tough time deciding between term and whole life. Unfortunately, too many people fail to do a...more