The life cycle of Canadians is changing which is impacting everything from personal finances, to retirement and insurance planning. Many Canadians are now working into retirement, are having children later in life and are living longer overall.TD Bank recently issued a report confirming that the average age that Canadians expect to retire is 61 years old, while the average life expectancy of Canadians is 80 years old. This means many Canadians...more
Her fianc| was in prison for any crime he stated he didn't commit. She'd stood by him ever since his arrest just a month soon after he'd asked her to marry him. But now, seven years later on, Dean Cage was telling her to provide up.It was August 2001, and within the prickly heat within a prison visitation space 4 hours from Chicago, Dean mentioned the two words she'd hoped to by no means hear:If there was anything at all left he could do for...more
Kerala has so many tempting tourist attractions. It has picturesque backwaters, hill stations but if you are looking for some adventure and thrill Kerala beaches and wildlife parks and sanctuaries are surely going to offer some unique opportunity. Kerala has so many alluring beaches and all are tempting and fascinating. Lined delightfully by the swaying coconut trees and long stretches of silver sands, the beaches of Kerala are the perfect and the ideal gateway to enjoy water sports activities and leisure time basking in the glory of the sun. The silver beaches have something for everyone and no wonder tourists enjoy to the maximum with incredible experiences to relish in forever. Kerala has so many wonderful and tempting beaches and all are ideal for beach tours and holidays. It is the ideal spots to enjoy some quality time with your children, families, and friends and with your beloved. Some of the well known Kerala beaches are: Cherai Beach Located in Vypeen Island in India, somewhat around 25 kms from Kochi, Cherai beach is outstanding beach with clean surrounding. It is well known among tourists from sun bathing and swimming. Kovalam Beach Literally meaning Grooves of Coconut,...more
A marketing expert colleague asked me the other day 'so they're just shutting it down?'The answer was in the affirmative. They are, indeed, just shutting it down. With the loss of the jobs, locations, branding and all trade. The life and death of WoW Sight and Sound is a stark lesson to all business owners and any marketing expert. A stark lesson...more
You possibly will hear the story of the three monks in the childhood. When the temple has only one monk, then he will determine to do the whole thing he likes without restraint, when the temple has two monks, they make a decision to do things corporately and everything also goes well, conversely, when the temple has three monks, the dilemma happens...more
Many people will need to borrow money for different purposes over the course of their lives. While most consider walking into a bank to apply for a loan, many are unaware that they may be able to borrow money from a life insurance policy. Whole life insurance policies are designed to accumulate cash value over time and have many benefits, but many people are not aware of this feature.In fact, in a recent survey conducted by the National Association of Insurance Commissioners, over two-thirds of those surveyed did not realize that some types of insurance policies accumulate cash value. Term life policies do not accumulate cash value and coverage will expire at the end of the term. Whole life policies, on the other hand, accumulate cash value, have some tax benefits and allow policyholders to borrow against cash value funds that have accumulated. Further, whole life policies may stay in effect for a policyholder's entire life and may never expire.Loans taken against whole life insurance policies have some advantages over bank loans. The terms of these insurance policy loans can vary from policy to policy, so it is important to read the fine print on a policy. However, in general,...more
Many Americans today are either uninsured or under-insured with regards to life insurance. If you die while uninsured or under-insured, you may risk leaving your family in a financial calamity. Your family may be dependent on you for monthly income...more
When acquiring a life insurance policy, it is commonly better to go to an independent broker rather than an insurance firm. This is due to the fact that the free lance broker may usually be able to provide you a wide range of products from various...more
We all like to make our loved ones happy, whether that be by taking them to the theater, wining and dining them or buying them nice presents - but if you really want to impress her, you should consider designing and creating her own personalized...more
Adolescence and teenage are two crucial stages of development and growth which have maximum impact on childrens personality, thinking and understanding. Both these stages are vital for any child because it determines their course of future and career...more
Diabetics and people suffering from chronic diseases should make a lot of sacrifices. It is also important for them to practice wholesome standards of living and eat food that will not adversely affect their health. If you belong to this group, it is...more
The film, "The Descendants" was selected for Best Picture at the Oscars this weekend. One thing is for certain, George Clooney, who plays King, a affluent trial attorney, makes you want to learn more about estate planning. The Descendants movie is...more