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Archive for July, 2012

Whole of Life Insurance And Term Life Insurance Differences

July 31st, 2012 Comments off

The search for life insurance can be frustrating and confusing, so it’s important to get the best policy for your own unique needs and circumstances. So many web sites offer discount life insurance, and as a result people often end up with a policy not suited to their needs.

One of the questions that arise time and again is whether a term life policy or a whole of life policy is best, and what’s the difference between them.

Term Life Insurance Benefits:

Term life insurance is a bit like leasing a car. You pay cover for a predefined term, and are covered for that term. However, at the end of the term, whether for example its 15 years or 30 years the deal is done and you simply walk away.

Term life insurance only offers protection for the duration of the mortgage, and can be of little value when once your mortgage is paid up.

However, term insurance is cheap, and the cost can even reduce over time. There are five main forms of term life insurance, and these are as follows:

* The first is known as level term cover, and it’s the most common type. With this form of policy the premium costs are locked in for as long as you hold the policy. In other words, you will pay the same amount throughout the entire term of the policy.Unfortunately, it means that as time goes by you could end up paying more for your life cover. However, the nice thing is that you get the benefit of paying at today’s rates. However, bear in mind that over time these rates could fall instead of rise.

* The next form of term life insurance is escalating term cover. This policy can be more expensive, as you pay an increasing amount each year. However, the lump sum payable at death also increases. These are normally low cost policies, and are best suited to younger people.

* Next, we have decreasing term insurance, and in this type of policy monthly payments stay the same, although the amount of cover reduces each year.

* The forth type of term life cover is increasing term insurance, where the pay out on death increases. However, to make up for this increase it will be necessary to increase the premiums from time to time, in line with changing circumstances.

* The fifth and final type is known as convertible term insurance. It is a type of term life insurance that you can convert at a later stage into an investment vehicle. The value of the investment is normally based on your health when you originally took out the policy.

Whole of Life Insurance:

A whole of life policy can be more complicated and more expensive than term life insurance. However, a whole of life insurance policy covers you up until the time of your death, providing that you keep paying your premiums!. The advantage of these types of policy is that your family could receive a considerable lump sum when you die.

Whole of life policies can be more expensive and more complicated than term life insurance. Also, the investment you make can earn some interest each year. Therefore, since your investment generally grows each year, your premiums can actually reduce over time. You may also reach a time where the interest gained covers all the future premiums, which means you may have no more premiums to pay.

However, it’s important to understand that the final cash-in-value of a whole of life policy may or may not equal the amount of money that has been paid into the policy over it’s full term.

Summary:

Buying a term life policy, or whole of life insurance is an important decision and one that needs to be made carefully. Before you take the plunge, you need to examine your needs, and exactly what you wish to achieve.

Term life policies are the simplest and cheapest to set up, and cover you only for as long as you need them.

However, you may prefer a policy that offers a growing nest egg, that pays out while you are still around to enjoy it!

Both types have their advantages and disadvantages, and careful consideration and advice from a competent insurance adviser is vitally important.

Looking for better life insurance quotes? Best Insurance Quotes help you get low cost life insurance

categories: life insurance,insurance,protection,mortgage,investments,finance

Grocery Shopping – Tips For Buying Healthier Food

July 31st, 2012 Comments off

What foods do you buy a lot of? Does your basket or trolley look like you’re about to open a greengrocers or does it look like you’re planning to open a biscuit shop?

It’s time to take a long hard look at your grocery shopping and work out how you can make it healthier.

Generally buying less processed foods means you’re eating better. The obviously high calorie foods like cake and chocolate are the first things you should look at. Can you buy them in portion sized packs? This makes it easier to have just a slice if you have slices of cake in individual portions. If you have to buy a whole cake then you’ll be tempted to have a bigger slice and then maybe a second slice. Much easier to resist temptation when you’re buying ready packaged portions. Bear in mind that these are usually more expensive and the extra packaging isn’t good for the environment. Some people buy frozen puddings and treats that can be rationed out easier as you have to wait for a defrost time before eating them.

Buying more fruit and vegetables doesn’t mean you have to spend a huge amount. Some UK supermarkets discount vegetables and fruit every week. There should always be some basics available at low prices. Onions, potatoes and carrots are good to look at for starters. Add celery to onions and carrot as a base for most stews and sauces and you’ll start to be eating healthier straight away. Slicing celery thinly means it’ll dissolve into the sauce as its cooking and no one will know it’s there! Sneaky cooks also grate carrot very finely and add it to mince dishes to stretch out the meat. It’s also healthier as it’s very low in calories and fat compared to mince.

Buying Quorn or other meat substitutes is a healthier option than buying meats. They even do some processed type foods in these ranges making healthy food easier than ever. Frozen pieces of chicken Quorn are great for using in any recipes you’d use chicken in.

Finding healthy snacks in the supermarket isn’t such a huge chore. Look for packs of dried fruit and nut mixes. These can be calorific if you eat a lot of them, so find a way of restricting portion sizes by decanting it into small tubs for people to eat.

Buying seasonal vegetables and fruit is a way of varying what you eat and encouraging you to try new things. They’re also cheaper when they’re in season so if you decide you don’t like them then you’ve not wasted as much money! Read up on cooking new things – sometimes we overcook vegetables and this means they lose some of the vitamins from them.

Look for low-fat products in the cheese and butter aisles too. Low-fat options are varied now and you’ll find everything from zero fat cottage cheese to hard cheeses in low fat varieties.

Read calorie information on packets – don’t rush the shopping. Make sure you compare low calorie versions with full fat options to ensure you know how many calories you’re saving. Sometimes the difference is very low and you might decide it’s healthier and cheaper to have a smaller portion of the higher calorie foodstuff. If you can manage the willpower aspect then you’ll find you can eat healthier.

Plan meals too – so you have plenty of vegetables included in your diet. Create salads for lunches including a packed lunch for work! Get some nice containers for taking food to work in so you can take a dressing separately and pour it on when you’re ready to eat.

Plan healthy snacks for everyone in your family: Have a fruit bowl that looks tempting and you’ll find people want to eat from it. Look at frozen fruit bags for making smoothies out of. These are a great way of encouraging people to eat more fruit. A delicious smoothie made from frozen bananas is a real treat! Buy bags of bananas and as they ripen if they don’t get eaten, then chop them up and put them in bags in the freezer. This makes them easier to blend! Just add milk and whizz up!

Some people recommend not shopping on an empty stomach. Whether being hungry means you’ll buy more food that’s bad for you is not sure, but being hungry might make you grumpy, or tired, or just rush the shopping and it should be done carefully so you don’t miss out anything on your healthy eating list!

Paul adams writes about Indian food market and Online shopping store. To know more about Shopping store just visit us at http://www.mygrahak.com/

Food Stamps – 4 Tips to Feed Your Family on A Budget

July 31st, 2012 Comments off

If you had to feed your family using food stamps, what would you feed them? A recent story online talked about a chef who accepted this challenge to eat using food stamps. The end result was he went over budget. For many people they do not have the luxury of simply going over budget on one week worth of food. $20 over budget on a week is the same as spending $80 a month that you do not have.

Shopping, making and feeding a family while on food stamps requires some serious skills. Packaged food is one of the most expensive foods you can purchase from a grocery store. Packaged food can also be very high in fat, sugar and sodium, making healthy meals with these foods is almost impossible with such a restricted budget.

Here are some tips to shop and feed your family if you are on or about to go on food stamps.

1. Plan to go to the grocery store twice a week if possible. Twice a week will allow you to do two things. The first is to plan to spend only 60% of your money. This will reduce the chance of purchasing stuff you do not need. The second part is you can replenish what you need to finish the week with your leftover money.

2. Quick oats from a bulk bin can go a long way. Quick oats can be used for breakfast and flavored with brown sugar which is low in sodium, add some fruit such as bananas or apples when on sale and you have a healthy, hearty and tasty breakfast.

3. Chicken is an inexpensive meat which can be used many ways. Every body likes chicken cooked on the BBQ but if you do not have one, a roaster will work. Buy extra chicken and use the meat to stuff a sandwich. The bones and skins can be used to make broth for soup. Celery, carrots and onion are great vegetables for a chicken flavored soup. The meat can also be used in salad to give it some staying power.

4. Flour is a very versatile food. You can make bread, biscuits, pancakes, waffles and pasta from one bag of flour. The kids will think you are awesome if you include making pizza dough with your bag of flour. To make pizza dough will require yeast, a tomato, and cheese. You can use some of your extra chicken meat also for a pizza topping.

Be creative when feeding your family, there are many different ways to use food for feeding a family. Rather than throwing away food pizza is one way you can use leftovers and have the kids enjoy it.

Paul adams writes about Best rice and Buy rice online. To know more about Organic food online just visit us at http://www.mygrahak.com/

Classic Car Insurance Tips

July 31st, 2012 Comments off

A classic car is a worthwhile investment. You need to protect that investment by making sure the car is properly insured. The coverage you need will depend on how you use the car.

There are three types of car insurance. Actual cash value is the most common type of car insurance. It pays out the depreciated book value of the car. Stated value allows the car’s owner to state a value for the vehicle that is greater than the actual cash value. Agree value guarantees the car’s owners will get all of their money back in the event that the car is a total loss.

These types of insurance are offered through a standard insurance provider. The owner of a classic car should also consider a classic car insurance policy. These policies can be cheaper and less restrictive than a standard car insurance policy. Some classic car insurance policies require the driver to be 25 years or older. Some programs even require the driver be at least 30 years old. Classic car insurance programs could also limit the amount of driving you do to 2,500 miles or less a year. Annual odometer readings could also be required. The insurance provider will give you specific information on what requirements need to be met in order to insure your classic car.

Whether you choose a standard car insurance policy or a classic car insurance policy, make sure you find an insurance policy with flexible usage guidelines. You want to make sure the car insurance policy is flexible enough to meet your needs while providing adequate coverage to protect your investment. Many insurance providers offer mileage programs for classic cars, which tend to be driven less than other vehicles. Some programs will allow the driver to drop down their premium if they only drive the classic car a certain number of months a year. This is an option to consider if you keep the classic car in storage for part of the year.

When it’s time to choose a car insurance provider, do your research. Make sure you find a car insurance provider with the knowledge and experience in insuring classic cars. You want to make sure your car insurance provider knows how to properly protect your classic car investment without taking advantage of you. Research both standard insurance providers and classic car insurance providers. Shop around and get more than one insurance quote. Compare quotes and see which provider offers you the best deal. Just make sure the policy offered meets your needs. You don’t want to accept an insurance provider’s offer because the price can’t be beat, only to discover later that the insurance coverage is not what you need for your classic car and driving situation.

Regardless of what type of car insurance policy interests you, make sure you work with a qualified insurance provider. They can look at your exact situation and recommend the insurance product that will best suit your specific needs and protect your classic car investment the way it should be protected.

Tom Martens is the content syndication coordinator for Carinsurancesa.co.za. South Arica?s leading car insurance portal.

Factors to consider when purchasing sports gear and equipment

July 31st, 2012 Comments off

When purchasing equipment and gear to be used by players, it is important to choose very carefully. This is because the wrong type of equipment could be detrimental to a team’s effort and it could spell doom during a game. There are various things to consider when purchasing sports equipment and they range from the type of sport to the manufacturers.

Each sport has different rules as well as different equipment. This means that when it comes to sport, not every ball can be used in a game, especially if it is a professional game. There are different types of equipment and these equipments are optimized to ensure success during a particular type of game. Therefore, before purchasing any equipment, it is important to ensure that it is perfectly fit for the type of game that you play. Therefore, cricket gear and equipment should only be purchased for a cricket game and nothing else. However, a mini rugby ball can be purchased for a rugby game as its size, shape and weight is suited for this kind of sport.

Manufacturers
There are different manufacturers who have a reputation all over the world for the sports gears and equipment that they make. It is important to consider this as there are some that are known for durable and quality equipment. However, there are others that are well known for manufacturing mediocre equipment that could dash the teams’ efforts and goals of winning a game. There are various places throughout the world where individuals can find quality equipment from good manufacturers. The citizens of India could for example visit the various cricket bat India stores and companies to purchase a high quality bat for cricket. They could also visit Hockey sticks India retail stores and companies in order to purchase great hockey sticks for this game.

Requirements of the players
Even within a particular team, there may be different players who have different specifications for their equipment or gear. There are some players who may be small and who may need gear that perfectly suits their size and build. Such players may want lighter equipment as well as gear that are smaller in order to play well. However, within the same team, other players may require heavier equipment and gear that is of a larger size in order to play well. It is therefore important for each player to get the gear and equipment that will serve them well and that will help them to contribute towards a win for the team.

A lot of factors are essential for a team to be successful in the sport that they play. All these factors should be put into consideration in order to ensure that the players do their best. This is the only way the team will be able to succeed in its efforts and hopefully deliver a win as many times as possible.

Original Article Source from http://www.articlemonkeys.com/Factors-to-consider-when-purchasing-sports-gear-and-equipment-464039.html

Amit Sachdeva writes about Mini Rugby Ball and Cricket bat india .To learn more about Hockey sticks india just visit at http://www.sportsgoodsexporter.com