Tuesday, December 26, 2006

Online Term Life Insurance Rate

By Adam Willis


Let's discuss cheap term life insurance. Generally, if you are a person that others depend on then you must have life insurance. I know this is something that few of us want to consider, but what would happen if you died. Will your spouse and children be able to continue the life style to which they have become accustom? Your passing can be hard enough. Don't make it any harder; find some online term life insurance rate quotes.

You may ask why you should consider term life insurance as opposed to universal or whole life insurance. The advantage of term life insurance is mainly lower cost. With the other types of policies, you are giving extra money to the insurance company that they invest to eventually create a cash value in the life insurance policy. In almost all cases, you can get better returns by placing that premium difference, between term life insurance rates and whole life rates, in a money market fund or mutual fund. That money will also be freely available to you anytime you need it.

When you get cheap term life insurance, not only are you saving a large amount of money, but also you can purchase much more insurance. To maintain family income at your current level, you will need a term life insurance policy with death benefit equal to ten times your take home pay. This will allow your family to invest the benefit payout in a low risk investment that will return an amount equal to our take home pay, without touching the principle.

You can also buy cheap term life insurance in smaller death benefit amounts and target it for special occasions. If you have children, purchase a term life insurance policy with their college fund as the beneficiary. By the time the term expires, you will have completed funding the college fund. If fate has it that you do not survive to the end of the term, the college fund will still be fully funded by your term life insurance. Since there is no limit on number of life insurance policies you can purchase, use term life insurance to fund these special accounts for all your children and grand-children.

Since the advent of the internet, it is easy to get cheap online term life insurance rate quotes without leaving home. There are insurance brokers online that will search many term life insurance rate quotes to get you the best offers. You can also use these services to study the many options and do good cost comparisons. It is prudent to plan ahead since we can never be certain of the future.

Article Source:
Online Term Life Insurance Rate





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Monday, December 18, 2006

Live A Dream Life

By Ivan Darch
So you want to live a dream life?

Think for a minute about what a dream life would mean to you. For someone on benefits it may mean breaking the chain. For someone who is scraping a living it may be a few extra pounds per month to improve their lifestyle. For others who may be having a mid life crisis it may be a complete change of career with a new goal in life of achievement.

For most people one of the following will be their motivating factor:


Extra Income
Financial Freedom
Have Own Business
More Spare Time
Personal Development
Helping Others
Meeting New People
Retirement
Leave A Legacy
Which one is of importance to you? Let's look at each one in detail.

Extra Income This applies to people who wish to improve or double their lifestyle. When you look at your income and outgoings and have little or no money to play with you could seriously benefit from and extra income. This can range from £50 - £500 per week in your spare time. Start off slowly, 6-10 hours per week and then if you wish to you can increase at any stage. Most people looking for extra income eventually earn more part time that they would/do in a full time job.

Financial Freedom Statistically this will only happen to 4 in 100 people and they all run their own business. Financial freedom is an amazing position to be in where you don't have any worries in life as you have a passive income model. This means income from doing no work.

(...)
Article Source:
Live A Dream Life





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Sunday, December 17, 2006

Turn Your Life Around Now

By Janet Angel
IDENTIFYING your most prominent thoughts is the first step to Turning Your Life Around. Start by using either a hand-held tape recorder, or a small spiral notebook that fits in to your pocket/purse. First thing in the morning be aware of what your waking thought is. Are you continually beating yourself up for something you did not do? Are you criticizing someone else or yourself for not being good enough? Are you planning a disaster? Yes, you do plan disasters. We all do it. Where you are in the "movies of your mind" is where you will eventually end up. So, check the movie that you are playing, check the tape recorder in your mind as well. Most often, I have found through counseling thousands of people in over twenty years, those that deem themselves unsuccessful are playing re-runs in the "movies of their mind."

Now you must implement CHANGE. Step Two is to CHANGE the movie you are running, or the tape you are running in your mind. So, jot down exactly what it is you desire to achieve. Let's say, for instance that you want to be a better basketball player. Get out your notebook, or your tape recorder, and change the script. Write down, or speak things such as:" I love getting up every day because I continually fulfill my goals and that MAKES ME FEEL GOOD! When I feel good, everything in my life gets better quickly." Then SEE YOURSELF as someone who is ten feet tall. Making a basket is easy for you. In fact, it almost seems silly because it is so easy. Each time you put your hands on a basketball you make every shot no matter where you stand. You hear the crowd clapping and INSIDE YOU FEEL EXCITED AND PROUD AND ENTHUSIASTIC! I can see the basketball movie in my mind just by saying these words. So, MAKE YOUR SUCCESS...the movie that you are running on the movie theatre in your mind.
(...)
Article Source:
Turn Your Life Around Now
Totallywell




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Friday, December 8, 2006

How's Your Love Life?

By Karen M. Pina
It can be measured by your actions. Are they kind, selfless, and compassionate? Or are your days spent being rude, brash, arrogant, and self-centered?

Everything we do and say for God equals much to do about nothing if it is not anchored and driven by love. Surely we will see the prophecies we speak fail, the hands we lay on producing everything but wholeness, and the relationships we try to build destroyed without love.

Over the last 5-10 years I have heard many leaders, preachers, and pastors speak of revival and the restoration of the miraculous power of God to the church. I tell you the truth, there will be no real revival and no true demonstration of the power of God without kicking our love life up several notches. We hear talk of the return to the Acts church. Umm hmm, yes we do. It will not happen without compassionate, merciful, and burden bearing love.

(...)
Article Source:
How's Your Love Life?
Godscoach

_________________________________


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Wednesday, December 6, 2006

Strategies To Purchasing Cheap Life Insurance

By Sky Joe
As with many other products, you have a wide range of options when considering which life insurance policy to buy. To make cost-effective cheap life insurance, there are two basics methods you can follow: the traditional net cost method, and the interest-adjusted cost method. There are advantages and disadvantages to both.

The traditional net cost method adds the premiums you expect to pay over 10 years, then subtracts the cash values expected to be accumulated and dividends to be paid by the end of the 10-year period. This number is averaged, for a final number that is referred to as the average annual surrendered net cost.

To do this calculation, you should get premium, dividend and cash value numbers from each of the insurance companies you are considering. Calculations should be compared on per $1,000 of insurance basis. By making this calculation with several policies, you can determine which is a cheap life insurance policy. (The one with the lowest number and, theoretically, the lowest cost.)

However, there are three main problems with this calculation. One, it assumes that you will have the policy for exactly 10 years. The averages would be different for a 20-year period. Two, dividends are only assumptions. If dividends are higher or lower than predicted, cost averages are affected. Three, this comparison does not take into account when premiums and benefits are paid, the time value of money.(...)

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Strategies To Purchasing Cheap Life Insurance




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Tuesday, December 5, 2006

A Life-Threatening Noise - Excessive Snoring

By Milos Pesic
Let's admit it, every one of us has snored even once in our lives. Even babies snore but it’s most frequent in men (about 45% of the world's population) while 30% of women are also snorers. However, there has to be a demarcation line between mild snoring to habitual or excessive snoring. Little babies may tend to snore because their nasal passages aren't mature enough yet; they also haven't learned to swallow excessive secretions in their throat that makes them produce the snoring sound. It is also normal for pregnant women to snore especially at the later stages of pregnancy. Snoring at a certain position is also normal. Drunken individuals also tend to snore in their sleeps.

However, if snoring occurs every night, and becomes so loud (up to 80-90 decibels) that the person in the other room, or even the person snoring, can hear the sound, it might already be excessive snoring. Excessive snoring is generally caused by an obstruction in the air passage and various reasons initiate this. Heredity may be one cause of snoring by inheriting a narrow throat. Obesity is another cause of snoring as obese people have fats accumulated around their necks narrowing their air passage.


Article Source:
http://ezinearticles.com/?A-Life-Threatening-Noise---Excessive-Snoring&id=369429
http://EzineArticles.com/?expert=Aasheesh_Jain
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Monday, December 4, 2006

Life Career

By John Mehrmann
What is your 'Life Career'?

We frequently talk about maintaining a balance between work and personal life as if there is a distinction maintaining responsibility and attaining personal satisfaction. When searching for a new job or seeking recognition in the current job, employment is frequently treated as a financial responsibility. Personal goals are typically reserved for weekends, vacations or a few hours in the evening.

The perceived value of separation between work and personal life is the objective to maintain a balance, as if these aspects of our being can be compartmentalized with private and segregated emotional barriers. Despite our best efforts, there are demands in both the personal and public aspects of our lives that require sacrifice, generate reward, and impact our emotional responses in all aspects of our lives.
Article Source:
http://ezinearticles.com/?Life-Career&id=283274
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Sunday, December 3, 2006

Yoga Invigorates Your Sex Life

By Aasheesh Jain
Yoga has proved it's efficacy in almost all aspects of health. Sexual health also happens to be an essential aspect of being healthy. And Yoga has not bared sex from its holistic health planning. In fact yoga practices have laid great emphasis on healthy sexual life. A good number of yoga asana and exercises are specifically meant to enhance your sexual energy.

Yoga's sexual philosophy says that for getting sexual pleasure your mind and body should remain in a rejuvenated state and this rejuvenation could be only brought about by various yoga practices. These yoga practices include all forms of yoga- be it asana, pranyama or dhyana.
Article Source:
http://EzineArticles.com/?expert=Aasheesh_Jain
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Saturday, December 2, 2006

Affordable Life Insurance For Your Love Ones

By Sky Joe
People will insure their home, their cars, their things, but they will often forget to insure the asset that pays for all of these, their ability to earn money. If you have a family, you probably have an affordable life insurance to protect them in case you die. But what if you don't die? What if you suffer a stroke tomorrow and can no longer work? What if you are diagnosed with a debilitating illness?

Life insurance has been bought and sold in the United States since the mid-1700s, but it wasn't until the 1840s that the industry made a significant impact on the American business scene. Since that time, affordable life insurance has grown steadily.

Article Source: http://EzineArticles.com/?expert=Sky_Joe

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