Reasons to Buy Life Insurance
For many people, the first introduction to life insurance is when a friend or a "friend of a friend" gets an insurance license. For others, a close friend or relative died without having adequate coverage or any life insurance. For me, I was introduced to a life insurance company where I had to set appointments with friends and family as I learned the ends and outs of the industry and hopefully, make some sales.
Unfortunately, however, this is how most people acquire life insurance - they don't buy it, it is sold to them. But is life insurance something that you truly need, or is it merely an inconvenience shoved under your nose by a salesperson? While it may seem like the latter is true, there are actually many reasons why you should purchase life insurance.
As we grow older, get married, start a family, or begin a business, we need to understand that life insurance is absolutely necessary. For example, picture a safety net. You may be the greatest tightrope walker in the world, without a doubt. You could perform without a net, but, "Why?" You cherish your life and the life of those close to you and you wouldn't do anything that showed that you felt differently. Let's face it, we have no control over the unpredictability of life or of unforeseen occurrences. With that in mind, just as a safety net protects the uncertainty life, so does life insurance. It is an indispensable and fundamental foundation to a sound financial plan. Over the years, life insurance has given many caring and responsible people the peace of mind knowing that money would be available to protect the ones most important in their life, family and estate in a number of ways, including:
The cost of a funeral and burial can easily run into the tens of thousands of dollars, and I don't want my wife, parents, or children to suffer financially in addition to emotionally at my death.
Like most caring and responsible parents, it is necessary to be sure that our children are well taken care of and can afford a quality college education. For this reason, additional coverage is absolutely essential while children are still at home.
If one parent passes away while the children are young, the surviving caring parent would need to replace that income, which is essential to their lifestyle. The responsible surviving parent would need to hire help for domestic tasks like cleaning the house, laundry, and cooking. Add to that equation if it is a single parent, helping with schoolwork, and taking your children to doctor's visits.
In addition to providing income to cover everyday living expenses, a family would need insurance to cover debts like the mortgage, so they wouldn't have to sell the house to stay afloat.
In a business partnership, the partners need insurance on each other partner's life. The reason is so if one dies, the others will have enough cash to buy his interest from his heirs and pay his share of the company's obligations without having to sell the company itself. They have the same needs (due to the risk that one of the partners might die), and they simultaneously purchased insurance on each other's life.
Estate taxes can be steep, so having insurance in place to pay them is essential to avoid jeopardizing assets or funds built for retirement. Use of insurance for this purpose is most common in large estates, and uses permanent (rather than term) insurance to ensure that coverage remains until the end of life.
With the advancements in medicine and rising healthcare costs, people are living longer, but cannot afford to. Living benefits is an option to use death proceeds before the insured dies to help with obligations or necessities to ease the pressure on themselves and others.
The face amount, or "death benefit" of an insurance policy (i.e., the amount of proceeds paid to the beneficiary) should be high enough to replace the after-tax income you would have earned had you lived a full life, presuming you can afford the annual premiums for that amount. In other words, the insurance replaces the income you didn't have the chance to earn by living and working until retirement due to a premature death.
The proper amount of insurance allows your family to continue their lifestyle, even though your income is no longer available. The actual amount that you should purchase depends upon your present and probable future incomes, any special circumstances affecting you or your family, and your existing budget for premiums.
Some people prefer to drive Cadillac, Lincoln or Rolls Royce, which come with all of the electronic gadgets that make driving safe and as easy as possible. Others prefer less customized makes, equally reliable to their more expensive cousins, but requiring more hands-on attention.
Whole life is the "Cadillac" of insurance; these companies try to do everything for you, specifically investing a portion of your premiums so that the annual cost doesn't increase as you grow older. The investment characteristic of the insurance means that premiums are generally higher than a similar term policy with the same face value. After all, whole life insurance is intended to cover your whole life.
Term insurance, on the other hand, is temporary life insurance. There are no excess premiums to be invested, and no promises or guarantees beyond the end of the term, which can range from 1 to 30 years. The annual premium for term insurance is always less than whole life, lacking the investment component, but your premiums will rise (often substantially) once the term period expires.
Both types of life insurance, term or whole life (or one of their derivatives) have benefits and drawbacks; both have their place depending upon the needs, desires, and financial objectives of the purchaser. A knowledgeable professional insurance agent can help you decide which type of policy is best for you depending upon your circumstances. But whichever you select, be sure that you have enough coverage to meet your objectives in the short term and the long term.
Some people mistakenly believe that life insurance is a scam. This is because the money for premiums is lost if death doesn't occur during the coverage period (in the case of term insurance), or because many people live to a ripe old age and continue to pay their permanent insurance premiums. Such naysayers compare life insurance protection to gambling, and forgo the protection entirely.
There are others, who have the belief that life insurance does not help them. To those individuals, the answer is: You are absolutely correct! The truth of the matter is that life insurance is a way for caring and responsible people to help ensure that their family can continue to move forward in the event of your untimely demise, a truly difficult time of loss. Of course, there is no bet - you will die, but no one knows when. It could be today, tomorrow, or 50 years into the future, but it will happen eventually.
Reasons You Need Life Insurance
September is National Life Insurance Month. A family really cannot do without life insurance. Being young is the best time to buy life insurance. The younger you are the less you will pay.
You need life Insurance before it needs to be used, meaning before it needs to be used on your behalf. If you are the prime source of your family's income you should be insured. If your spouse works they also need life insurance. Are you a partner in a business? Each partner needs to be insured to cover any loss in the untimely event that they have departed their earthly presence. How much insurance do you need? Ideally one needs an amount equal to current debt, monthly expenses times 24, the financial needs of children (under the age of 18 or 26 if in school) through secondary education and your spouse for a duration of their expected lifetime in the event they will not be able to work. The former is an ideal target goal. Every family situation is unique. If the spouse also works the computation and needs change. When the family dynamics change new needs arise while others may be no longer necessary to cover. More than a few policies today can be converted into an income generation vehicle later in life. That income later in your life vehicle proves to be a valuable asset.
Listening to people as they explain how they and their families were catapulted into poverty after the tragic loss of a loved one made me realize that too many people are not protected. Many people do not have enough coverage. Those that have company provided or subsidized insurance lose that insurance when they leave that organization. Some lose employer life insurance as the result of a merger or buy-out of a company. Some lose employer life insurance when they retire.
If employees had invested in life insurance individually, the policy is active as long as the premiums are paid. Buying life insurance when you are young is the best premium you can get. Some life policies accumulate cash value. Some life policies allow you to borrow loans from the cash value. Some allow for inclusions or "Riders" that include double indemnity, long-term care and home health care additions. Some policies easily convert into income generating vehicles to supplement your retirement income. In some cases it may be the only income.
Selling AH&D (Accident, Health and Disability) added to auto loans in the 1970's, 1980's and 1990's helped more than a few families make ends meet. It was so rewarding to be thanked for making sure they were covered. To those that benefited from the additional coverage, it was in place when they really needed it.
Today there are plans that can be tailored to the needs of most individuals and families. There are many plans that fit even the tightest budget. The average funeral cost is between $8,000.00 and $12,000.00. Cremation is also costly. The average Cremation with a memorial service is $3,250.00 and higher. The average Direct Cremation is $500.00 to $2,000.00. The funeral costs are in addition to any medical costs associated with a sudden death. Many times the cost to replace the financial contribution or the reliance of a lost one has a value most do not equate in their calculations. A stay-at-home spouse has a monetary value. A relative that is a care taker has a monetary value. If and when the loss of that spouse or caretaker happens the cost to replace their monetary value can be quite steep. The cost to replace their companionship is priceless. The legal system can take years if a settlement is even a possibility. Add children and elderly relatives to the equation and the financial cost needed increases substantially.
A family really cannot do without life insurance. Being young really is the best time to buy life insurance. The younger you are the less you will pay. Locking in a premium at a young age is a smart choice.
Choosing A Better House Cleaning Service
Whether one is an owner of a business or a home, cleaning is always an issue that needs to be done and produces few volunteers to carry-out the tasks. Smart management opts to out-source the everyday, menial and thankless chores that seem to go on forever. The problem is who can one trust to protect valuables as much as expected while doing a job worthy of the invoice the service generates? The big question here is really whether to go with a franchise or a local company to handle the job. There are advantages and disadvantages to both.
For many, a house cleaning service is a major priority. In the case of a business, a dirty or clean workplace reflects on the brand. No one likes a messy office, no matter what the product being sold. Even car repair shops and gas stations try to offer a store front that is clean. Potential clients may choose to work with your competitor over you simply due to the lack of cleanliness (which translates to lack of organization).
In this case, a franchise may be the best bet. They are generally reliable and do an excellent job. However, to obtain this excellent service, one will pay substantially for it. These housekeeping services companies want a fixed schedule and a fixed price. In other words, they want to be paid every month without fail. Many will even require a contract, as well. Just like with most things in life, you get what you pay for and in this case, it will be clean office that reflects well on your company.
For homeowners, cleanliness is a reflection of you but in a lesser manner than with a business. People expect that a successful business needs to be able to afford to clean. In the case of homeowners, friends and relatives offer a certain amount of grace and understanding to a messy home but only to a point. After that, the gossip and finger-pointing begins. If a cleaning service is needed, then who to hire becomes a question of how important is your image to the world.
If it is exceptionally important and you cannot do it yourself, then hiring a franchise to perform the work may be the best solution. Maids will reliably show-up on time and clean everything. However, most homeowners do not having a weekly or bi-weekly cleaning fee in their budget and will have some weeks where they do not wish to have a service at all. For those, a local cleaning service may be a better choice. Their prices are generally more affordable and they usually want a schedule but no contract. They also are willing to cancel appointments more easily and often will send the same cleaners to your home so special instructions are more likely to be followed.
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Choosing between a franchise and a local housekeeping services company is a difficult choice. Franchises offer reliability, while local companies offer flexibility. As far as the cost is concerned, franchises are usually more expensive and require a contract but when weighing the hidden costs of having a reputation of being unclean, it may not cost as much as originally thought. Bottom line is that it about weighing costs against how important it is to you to have a clean reputation. In the case of businesses, it should be extremely important and for homeowners, it more about personal preference.
Advertising Digital Marketing Website Development Backlinks
Digital marketing consists of a lot of strategies. In fact, it's a holistic approach to do different types of marketing activities across different online platforms. These methods get upgraded on a regular basis as new technologies emerge across the globe. Therefore, digital marketing has grown significantly over the past few years. If you are new to this field, you may want to read the basics of digital marketing explained below.
1. Invest in machine Learning and Artificial intelligence (AI)
First of all, the artificial intelligence (AI) will be quite popular in the coming years. Machine learning is another important part of digital marketing.
In the near future, social media bots will play a great role as far as connecting with potential customers is concerned. So, you may want to give more importance to social media if you want to communicate with your customers in an effective manner. According to experts, about 85% of customers will interact with bots to get the information they need.
2. Share your videos on Social Media
In 2019, make sure you share your business videos across different social media platforms. Unlike the images or written content, a good video is more effective as far as grabbing the eyes of the visitors is concerned. This is really important if you are going to market on the leading platforms, such as Twitter, YouTube, Instagram, or Facebook.
According to the latest research, 80% of people like to watch videos on the internet. They don't want to read articles or blog posts that much.
3. Optimize your sites for Mobile Devices
In 2019, your marketing strategies should be focused on mobile technology as well. According to the latest Google algorithm, your site should be optimized for mobile phones or you may get a penalty from Google.
Nowadays, mobile phones are one of the most popular devices across the globe. The new year will grow the mobile video consumption by up to 30%. On the other hand, the demand for desktop computers and laptops will continue to decline.
4. Consider Mobile apps
In the world of digital marketing, mobile technology is the latest innovation. As a matter of fact, it's one of the most effective digital marketing tools in the here and now.
With the help of this cellular technology, you can compete with your competitors to stay ahead in the field. Without any doubt, if you have a mobile responsive website, you can grow your business to a large extent.
So, you may want to tap into the mobile apps as well. One such app is Whatsapp business. According to a source, mobile apps have generated $88 billion, give or take, in recent years.
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5. Focus on the Customer Experience
For your business, customers play the same role your blood plays in your body. Therefore, it's important that you work on the consumer experience. This will help you increase your sales over time.
What Really Is CBD and How Does It Work?
An all natural alternative for pain relief, CBD (cannabidiol), is a non-toxic, non-psychoactive, and beneficial compound found in cannabis. Research is showing empirical and subjective evidence of the benefits of cannabidiols (CBDs). NORML and ProjectCBD are two sources disclosing prior and recent publishings of empirical and subjective studies on the benefits and efficacy of CBDs. When it comes to aches and pains, as humans we all have our individual levels or thresholds of pain and discomfort.Subjective studies are showing that patients receiving large doses of CBDs are reporting relief of pain, discomfort, depression, and anxiety. Some patients report they're experiencing relief at 10 mg of CBDs per dose, while others needed as much as 25, 50, or even 100 mg of CBD per dose to achieve relief. There is empirical evidence to support the subjective studies' findings.
To clarify, cannabis is the genus of three species of plants, indica, sativa, and ruderalis. Cannabis sativa has two strains- and cannabis sativa. is a strain of cannabis sativa that humans have cultivated and bred to have little to no THC (the psychoactive compound in cannabis), and has been used for food, fuel, medicine and fiber for thousands of years. and its compounds are legal in all 50 states and is why you can buy CBD-infused products in the United States.
Cannabis sativa, however, is still illegal because of its high THC content. There is no difference in CBD from vs CBD from cannabis sativa. Cannabis sativa is used for daytime because of its energizing and cerebral effects (like having a caffeine buzz) and will get you high due to the high amounts of THC, but will not- because it has little to no THC. Indica dominant strains affects your physical body and is why some claim to get "couch lock", you get so relaxed and high you can hardly move.
CBD is the short form for cannabidiol (Natural Cannabidiol & CBD Oil). It is an important phytocannabinoid that is found in the and is known to support the mind and the body in lots of different ways. CBD products in the shape of Cachets also contain cannabinoids, which have CBD extracts.
What makes CBD work?
How does CBD get to work? The body of humans contains a large network of constituent receptors, the system of endocannabinoids, which is critical to maintaining the overall wellness, along with helping the support systems for many of the physical processes in our body. Cannabinoids and CBD fit inside these receptors that help the human body with its efforts in maintaining good health.
Experience better health with the use of the CBD
You get to enjoy a sense of calmness and more focus. CBD affects learning positively and it also motivates learning. It is also helpful in reversing the symptoms of the Alzheimer disease. You can get a heart that is healthier by the use of the CBD. CBD has a lot of benefits that it brings to the heart, these include the capability of lowering high levels of blood pressure. You also get relief from the stresses that are part of your daily life. CBD has been known to provide therapeutic cures for symptoms like stress and anxiety, thus helping in the reduction of psychological levels of anxious behavior. It also helps in reducing the feeling of depression and anxiety.
The miracle of CBD
CBD is just a molecule, not any miracle. A lot of people can reap the significant benefits if they are provided access legally to these wide variety of remedies of cannabis, not merely to no THC or low THC products. CBD by itself may not always be enough to get the trick to work. There is a lot of compelling evidence to prove that CBD functions best when it is combined with the likes of THC and the entire spectrum consisting of other components of cannabis.
To be able to figure out how to go about optimizing your therapeutic application of cannabis has been the driving factor that is behind one of the greatest experiments in the days of democracy. The result of this finding is called medical marijuana and it has been observed from one state to another and one country to another in the very recent years.
The coming up of the very potent oil concentrates of cannabis, CBD rich non intoxicating products and highly innovative and smokeless systems of delivery have changed the therapeutic area. This has also led to a huge change in the public conversation around cannabis.
This is not any more a subject of debate if cannabis has enough merit as a potent herbal medication - as of today, the main challenge is in understanding the utilization of cannabis to get maximum therapeutic benefits.
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