Life Insurance ? Do You Need It?
Many people are skittish about life insurance, because they feel that it is useless, or it makes them face their mortality, or they may arrogantly think that they won't die. But let me reassure you, life insurance is not only useful, but also essential if you're young or old, or have a young family. Life Insurance should definitely be one piece of your financial portfolio.BENEFITS OF LIFE INSURANCE1)Protects your family ? If you should die prematurely a life insurance policy will give your young family and spouse a financial buffer. The lost income can be devastating. 2)For children and young adults ? accidents are a leading cause of death.3)As you get older ? it can help to defer funeral costs.Life Insurance can help fill the gaps when you or someone you love passes away, as well as, helping to eliminate the stress and uncertainty of their future.TYPES OF LIFE INSURANCEThere are different types of insurance, which can fit each individual's needs and situations.
The different types and explanation of each are as follows:Term Life Insurance ? Term life gives you coverage for a particular period of time. (Builds No Cash Value)Whole Life Insurance ? Whole Life can give you protection for your entire life at a fixed rate. Whole Life builds up cash values, and in some cases, paid dividends.Universal Life Insurance ? Universal Life gives you more flexibility -- allowing you to adjust your premiums and to increase or decrease your death benefit.Accident Insurance ? Accident Insurance gives your family an income in the event of your accidental death.To conclude, when I was younger, I felt that life insurance was a waste of my money. But that changed when I seen the results of what happens when a father of three young children died unexpectedly. He had no insurance to care for his three children.
Not only did his wife and children have to deal emotionally with their loss, but it also left them financially crippled. From that moment on, I realized the importance of Life Insurance and what it can bring to my family ? a financial safety net, and for me, peace of mind..
Vickie J Scanlon has a BBA degree in Administrative Management and Marketing. Visit her site at: http://www.myaffiliateplace.biz for free tools, articles, affiliate opportunities, ebooks, and insurance info Free quotes on auto, life, homeowners, health, business insurance at: http://www.myaffiliateplace.biz/Affiliate_NetquoteDivorce: 57 Most Frequently Asked Questions
Duluth, GA (ContentDesk) June 21, 2006 -- Approximately 2.3 million people will get divorced this year and many will go through the process will little or no information about what to expect or what to do to get what they need. Much of this is due to the secrecy and myths that surround the divorce process. The Minding Your Money Institutes latest publication, 57 Most Frequently Asked Questions About Divorce, is specifically aimed at exposing the mystery surrounding the divorce process by providing answers to common questions and resources people can use to take control. This includes common myths like the requirement to dig up the dirt on your spouse before you can get a divorce. While this may have been true in the past, each state now has a no-fault law that allows couples to divorce without stating any type of marital misconduct (Q.
5) Other myths, mistakes and traps are also exposed. According to the author, Patricia Stallworth, three common mistakes people make are: (1)...
Divorce: 57 Most Frequently Asked Questions
Auto insurance > Divorce: 57 Most Frequently Asked Questions
FACT Provides Immediate Disaster Relief to Members in Aftermath of Hurricane Katrina
WASHINGTON, D.C. (ContentDesk) September 2, 2005 -- The Federation of American Consumers and Travelers (FACT) provides immediate disaster relief to members who have been adversely affected by Hurricane Katrina. Current FACT members are reminded to call 1-800-USA-FACT to request the Disaster Aid assistance.
FACT is an association of consumers, formed under the not-for-profit corporation laws of the District of Columbia in 1984. The association currently represents some 1,000,000 consumers nationwide.Through a special arrangement with the Council for Disaster Assistance (CDA), FACT provides up to $250 in immediate payments for those who are affected by a natural or terrorist disaster.
FACT's goal is to help its members get through those first few crucial days following a hurricane, tornado, flood, fire or other disastrous event when, all too often, no other source of help can be found.
In order to facilitate an immediate payment, FACT forgoes the normal claim...
Auto insurance > FACT Provides Immediate Disaster Relief to Members in Aftermath of Hurricane Katrina
Soon In UK: Saab 9-3, 9-5
Biodiesel vehicles are already starting to pave a way towards total popularity. In fact, it is starting to become a household buzz and also starting to gain name and fame. Many auto makers are also starting on creating biodiesel vehicles and cars so as to keep up with the trends. And the Saab brand has also been working on this. And instead of marketing this kind of vehicles as biodiesel cars, the brand has made sure that their biodiesel cars would hold a name different from the rest.
And they named this new breed of Saab vehicles as Biopower cars.
Saab Biopower cars are, in essence, just like any other biodiesel vehicles. First off, they are able to run well but do not harm the environment greatly compared to the usual type of vehicles one can find in the market. Also, these Saab Biopower cars are easy to maintain for Saab performance parts are readily available in the market. They are also able to...
Auto insurance > Soon In UK: Saab 9-3, 9-5
Goal Setting
When setting goals for ourselves, it is absolutely essential that they are realistic. It is possible to achieve any goal no matter how big it seems. The key is to break it down into realistic doable portions.About 6 months ago, I set a goal that I viewed as impossible. But when I broke it down, I saw that it was very possible. The technique that I used was a mind map.
The goal that I set for myself was responsibility. I spent many years completely dependent on my parents because of my many mental and physical challenges. My mother did all of my laundry, paid for my car insurance, and my gasoline. She cooked for me and even cleaned my room. When I finally decided that I was going to become responsible, it encompassed such a wide spectrum of things.
I didn't even have a checking account much less a credit card.In the middle of my piece of paper, I wrote the word responsibility and drew a circle around it. Then I branched it out into 5 categories: self-care, finances, personal...
Goal Setting
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