Guys: Ten type of women to avoid

Guys, this is exclusively for you. Have you ever wondered why the women you date always turn out to be annoying or weird in some way? Have you ever thought that perhaps you have been choosing the wrong type of women? Below is a list of ten different types of women you should avoid, according to an article I just came across. Read carefully and see if you can learn one or two things. 1. The ChatterboxThis is the woman who never shuts up, barely stopping to breathe. Seemingly only concerned about what is going on in her life, she always has to make a comment about everything and dominates conversations. 2. The Desperate ChickThis type of woman will seem fantastic at first, until she starts talking about your wedding location, how many kids she wants and the name of your future dog–right after the first date! When a woman advances WAY faster than normal, watch out. She NEEDS a man so bad that she’s willing to put anybody in that slot, even the homeless guy on the corner 3. The Overly-Critical Woman Anything you do for this type of woman is simply not good enough. Nothing seems to work unless it is done according to her standards. Anything that is said by anyone will be quickly taken out of context to become some sort of insult or some reason to wage war against the world. This type of woman has plenty of emotional baggage and will make you an angry and bitter person as there will be nothing but misery with her. 4. The Bimbo This type of woman can’t obtain a GED but has managed to secure a PhD in the science of the bedroom. This is an intellectually challenged woman who looks great but, in all honesty, shouldn’t open her mouth. Her skills are unquestionably only rooted in the physical realm and unless you’re just after one-night stands, you do not want to bring a stupid girl home to meet Mom and Dad. The majority of girls you see on the streets everyday fall into this category, 5. The High Maintenance Chick If this type of woman breaks a nail, she expects you to drop everything you’re doing to drive her to the salon immediately. Her daddy always told her she was a princess and she expects to be treated like one at all times. She has expensive taste and expects you to shower her with only the best things and take her out to posh places on a regular basis. If you don’t have a lot of money and a penchant for luxury, don’t even bother. 6. The Clingy Girl This woman is a nuisance who can’t go anywhere or do anything without the company of her man. She’ll adopt your interests, calls 20 times a day and fly off the handle anytime she’s not around to monitor your behavior. This type of woman will smother any chance of you missing her by insisting that you spend every waking moment with her, refusing to let you go out with the boys or spend any significant amount of time with anyone else. 7. The Baby’s Mama This woman has a great physique, great personality and her toes are pretty too! There’s only one problem–she’s got a pretty large amount of children with assorted “baby-daddy’s”, and when women like this get desperate, any and every guy has the potential to be “daddy.” This woman got knocked up by somebody that she was supposedly in love with, and not only is she a bad judge of character, she’s GROSSLY irresponsible. The same guys that are “jerks” now are the same guys she once thought the world of and had unprotected sex with. 8. The Gold Digger The Gold-Digger will compliment you on your expensive watch, ask you what kind of car you drive, what you do for a living, where you live and so on. Like the high maintenance woman, the Gold Digger is basically looking for a sugar daddy, she’ll size you up within the first five minutes and drop you just as quickly if your cash flow runs out and you can’t take her shopping anymore. These types of women will just suck your wallet dry and leave you emasculated. Fortunately,you can usually see this type coming from a mile away. She wants to write out the names of all her designer items and post it on Instagram, Twitter and Facebook. 9. The Club Girl Club girls are nothing more than fantasy women who have been practically living in bars and clubs since they hit the legal drinking age. They have beautiful faces with full lips, big doe eyes, great legs, and all the curves you could ever ask for. The problem in dating these women is that they love to wear clothes that show off their great assets not just to you, but to every Tom, man-hood and Harry on the street. A woman like this may be carefree and wild; however, once you take a closer look, you’ll realize that her entire life is a party and most nights will end with her puking in your car. Or waking up hungover, in some guy’s bed in the morning. 10. The Feminist This type of woman can never be pleased by a man and she believes that men are the cause of all the pains and suffering of society. It is her strong belief that women are much more intelligent than men and are capable of doing things “the right way”. You don’t want to waste any time with this type of woman because anything that you do will always be negative to her. Ladies, your take on this article?

Jerry Rawling's solution to Nigeria

AS the crème de la crème of the Nigerian intelligentsia are currently gathered in Abuja to craft a new roadmap for the country’s political future, there is a very popular option for solving the country’s problem that you can be sure they will not be discussing because many of them are politicians. That option regularly comes up in discussions about how to address the malaise of corruption in Nigeria. Many Nigerians are convinced that the fail-safe solution to Nigeria’s endemic corruption is “the Jerry Rawlings solution.” As Head-of-State of Ghana, Rawlings gathered together six of Ghana’s (mis)leaders and had them shot publicly by firing-squad. Thus, Farida Waziri, former Chairman of the EFCC (Economic and Financial Crimes Commission) said: “If some 20 high-profile offenders are tried and sentenced to death, this will send shock waves to Nigerians and curb both the impunity and intolerable prevalence of corruption in Nigeria.” President Goodluck Jonathan (right) and African Union, AU, Special Envoy on the Somalian Humanitarian Crises, former President Jerry Rawlings of Ghana at the Presidential Villa, Abuja. Photo: Abayomi Adeshida. That might not do the trick. 20 misleaders of Nigeria would be much too few. Since there are 36 states in the country, many corrupt misleaders would end up going scot-free. It is a well-worn cliché that what is worth doing is worth doing well. Therefore, there might be need to Nigerianise the Rawlings solution, fully cognizant of the fact that Ghanaians have never won the World Cup in corruption, but Nigeria owns the cup. There are also far more misleading “lootocrats” in Nigeria than the entire population of Ghana, so the Ghanaian example is not a good fit for Nigeria. Surgical operation:This is a fictitious prescription for Nigeria’s class of political “lootocrats” from a cross-section of Nigerians. It is hereby forwarded to the Chairman of the National Conference for due consideration. The position here is that a large chunk of past and present members of the misleading Nigerian political class, running into several thousands, should be tied up at the stake in Bar Beach, Lagos, and shot one-by-one on public television! This could be done as a surgical operation within one week. That way, everything would be done and dusted before the distraction of the World Cup. Indeed, it would ensure that we would have a World Cup that would not merely provide another avenue for Nigerian officialdom to go on their usual jamboree whereby billions of naira is pocketed at the expense of procedurally-neglected national footballers. Better still, it could be done over a six-month period for maximum and long-lasting impact on the Nigerian psyche. Every day, 21 members of the Nigerian “lootocracy” would be trotted out and given a fond farewell at Bar Beach on primetime television. This approach is attractive for a number of reasons. It would generate a lot of money through the selling of local and foreign television rights and adverts. Tickets would also be sold at commercial rates to those interested in watching the exercise live. Federal character:The names of those affected should not be listed beforehand. That way, a great deal of excitement would be generated daily in anticipation of those whose turn it would be. Of course, this “clean-up” exercise would be done strictly according to the lofty principles of federal character. As a matter of fact, every ethnic nationality in the country would be duly represented, so that there would be no grounds for complaints or even court-cases by any group on grounds of being excluded. The affected politicians would be allowed to make five-minute statements for the benefit of the nation just before their departure to the above and beyond. An interviewer might ask a question like this: “Your Excellency, Chief, Doctor, Major-General… (it is absolutely important not to forget any of the person’s accolades at this particular juncture) MMD, PSQR, WXYZ, is there anything you would like to tell Nigerians? Any word of wisdom you want to share as to why you are included in this National Merit Award?” Should the man or woman start cursing and swearing instead, he should not be deterred. He should be granted his fundamental human right to freedom of speech. The only thing is that his outburst must not exceed the statutory five minutes. However, if the misleader is remorseful, and decides to use the opportunity to confess his sins to Nigerians and reveal some of his shenanigans in office, he could be allowed to speak for ten more minutes. If he weeps and pleads for mercy, that would make for great television. He should also be granted ten more minutes of wallowing. National catharsis Seeing our erstwhile timber- and-caliber politicians frothing at the mouth would have a great therapeutic effect on rank-and-file Nigerians. Many suffering from different illnesses and sicknesses would be cured instantaneously. The eyes of many blind Nigerians would be opened, out of the determination not to miss this national spectacle. Those misleaders who agree to give the nation chapter-and-verse information as to where their loot is stashed can be given as much as thirty more minutes to make their confessions, in the interest of national economic recovery. All the bank accounts of the distinguished members of this “send-off” party should be sequestered and the monies therein put in a special fund. That fund could then be used to build a “National Institute of Political Corruption and the Looting of Public Funds,” which can be affiliated to one of our Ivy League universities; say ABU or OAU. This Institute should be headed by a Ghanaian in the meantime, until we are sure we have completely cleaned Nigeria of these marauding misleaders. Anybody who dares to make a case for clemency for any of them should be automatically included in the list. In the same manner that we have elections every four years, we can have these Bar Beach “send-off parties” every five or six years. This process would ensure that the fear of Bar Beach would quickly become the beginning of wisdom for our teeming misleaders. In the first place, it would go a long way to decimate the number of prospective politicians. Quite a number of people would come to realise that they would be caught dead if they were to run for public office. When you ask a man if he would like to be the Governor of Kano State and he replies, “Not on your life,” you would immediately know the reason why. In the second place, it would ensure that Nigerian politicians reach the conclusion that corruption is a short-cut to the mortuary. Corruption would become more deadly than AIDS and cancer. It would be a disincentive for rigging elections. What would be the point if public office only gives you a visa to go to see your ancestors prematurely? Our politicians would prefer to be university lecturers once again. The president of the Senate would be forced to be a barber in his spare time, to make ends meet. Misleaders’ cemetery All the affected politicians would be buried in a specially prepared national cemetery, which would quickly become a tourist attraction. The list of those buried there would be a kind of who-is-who in Nigeria of the recent past. Applications should not be entertained from all and sundry for burial at this special cemetery. We don’t want people dying of natural causes to seek the glory and honour belonging only to misguided politicians. At the gate, we could have a caption which reads something like this: “Here lies some of the greatest political misleaders Nigeria has ever seen. They were all given a send-off at a party organised by the Nigerian people at Bar Beach in 2014. It is a testament to the great impact these men and women had on Nigeria when they were alive that the country has never been the same again since their departure. Good riddance to bad rubbish.” It should be clear from the fore-going that one of the main tasks in this exercise would be in compiling the list of those to be sent-off at Bar Beach. The other assignment is that of ensuring that some of the politicians on the list do not escape from the country, only to come back at a later date. One way of avoiding this is by ensuring that this plan is kept absolutely secret. No politician must know that it is in the offing. Indeed, no politician or aspiring politician must be allowed to read this proposal. It must only be accessible to “we, the suffering masses of Nigeria.” We can borrow the mischievous blueprint of the Nigerian Immigration Service. Invite all politicians, past and present, to a grand award ceremony in carefully-selected stadia in the six geo-political zones of the country. If they were to trample themselves to death in their excitement at being included on the list; all the better. It would reduce the possibility for future congestion at Bar Beach. Once inside the stadia, we would then lock all the doors and install guards specially imported from Ghana to ensure no one escapes. CCTV cameras would also be installed to monitor them. They would be kept there for the entire duration of the exercise. If they like, they can form new political parties while they are there. Or the PDP members can cross-carpet to the APC and vice-versa. That is their business. They can continue their political shenanigans in the after-life. Postscript:After carefully-studying this proposal, my conclusion is that it would entail too much blood-letting. As a matter of fact, it might create more problems than it solves. Therefore, I have a better suggestion. Let us deport just 20,000 of the most misleading politicians of our recent past and present from Nigeria, with the caveat that they cannot return under any circumstances. Let us send them to Siberia; or to better still to Kutuwenji. The question here is which people in their right minds will grant these riff-raffs from Nigeria political asylum? Which country will welcome this scum of the earth? I honestly don’t know. Nevertheless, I refuse to allow such imponderables to scuttle my prescription. Rather than the Rawlings option, just gather together 20,000 prominent members of Nigeria’s political “lootocracy” and put them one-by-one in “Ghana must go!”

Letter to my unknown wife

A LETTER TO MY UNKNOWN WIFE I woke with a start in the wee hours of the night on my bed, I stretched my hand across the bed to feel the softness and the tender skin of my wife but it was my pillow that occupied the space beside me; then I realized that my wife is yet to come into my life. An idea strikes me and I decide to write a letter to my unknown wife. Hello dear, it’s funny that I don’t even know your name yet but that is of little important because I will always call you “My Angel”. How is life treating you and I hope you are living a just life, for a clear conscience keeps the mind happy and a happy mind keeps one focus. My angel, it might have happened that we have met without really meeting or we may have passed each other on the road without even a glance or possibly, we have never met; whatever the case may be, we are destined to meet someday. My angel, I’m looking forward to the day we shall be pronounce husband and wife, the day that man will says: “You may now kiss the bride”, the day my parents will embrace yours, the day that your siblings will accept mine, the day we shall be known as a family, a big family. I promise I will never ask you to drop your surname but you are definitely adding mine to yours (smiles) and I won’t choose a place for our honeymoon the pleasure will be yours. I’m also looking forward to the night when we shall conjugate our marriage, when I shall plant the seed of my first twin inside of you….God willing. My angel, I will never treat you wrong though we may and we will have our ups and downs but that will only makes our love grow stronger. My angel, I don’t care if your flower has been plugged, I lost mine some years ago with a beautiful lady 5years my senior. On my part of the world I’m building a formidable me, a me that will be able to provide for you and the kids, a me that will respect you, a me that will love you but above all these, a me that will be your best friend now, always and forever. Education is important my angel and I hope you are acquiring it but if you are not I can always send you back to school to get it but you must be learning a trade or a work that will keeps you preoccupy positively, I don’t want you idle for an idle hand is a devil workshop. Be careful with men, don’t fall prey to their sweet words which carry little meanings; listen, believe but never lost your focus in life and don’t see men as the solution to whatever problems you face in life. Work hard and tackle all your problems with a brave heart, so that when we meet I will respect and love you because love is never enough I need to respect and love you before we can build a happy home. I will be a fun husband, every new day will always be better than the previous day, that I promise you. And we may not be the richest couple but we shall be among the happiest couples on earth. On this note my angel, I want you to know that I am praying for you and I’m wishing you the very best life can offer, until we meet have fun (reasonable fun). SEE YOU SOON MY ANGEL

Night Sweat

Night sweats refer to any excess sweating occurring during the night. However, if your bedroom is unusually hot or you are using too many bedclothes, you may begin to sweat during sleep and this is normal. There is a difference between night sweats that arise from medical causes and those that occur because one's surroundings are too warm, but generally true night sweats refers to as severe hot flashes occurring at night that can drench sleepwear and sheets, which are not related to an overheated environment. CAUSES OF NIGHT SWEATS There are many underlying cause of nigh sweats. These include ; - Menopause - Idiopathic hyperhidrosis which is a condition in which the body chronically produces too much sweat without any identifiable medical cause. - Infections like tuberculosis is most commonly associated with night sweats. However, bacterial infections, such as the following conditions can also be associated with night sweats: - Endocarditis inflammation of the heart valves - Osteomyelitis inflammation within the bones due to infection - Abscesses for example boils, appendix, tonsils, perianal, peritonsillar, diverticulitis and AIDS virus ( HIV) infection. - Cancer - Medication such as all types of antidepressants including tricyclic antidepressants , selective serotonin reuptake inhibitors (SSRIs), and the newer agents, venlafaxine (Effexor) and bupropion (Wellbutrin) can cause night sweats as a side effect. - Hypoglycemia - Hormone disorders - Neurologic conditions Uncommonly, neurologic conditions may cause increased sweating and possibly lead to night sweats including: - Autonomic dysreflexia, - Post-traumatic syringomyelia, - Stroke TREATMENT FOR NIGHT SWEATS The treatment for night sweats depends upon the underlying cause. Night sweats are usually a harmless annoyance; however, they are sometimes a sign of an underlying medical condition. Persons with unexplained night sweats should seek medical care

Boko Haram leader captured by special forces

Boko Haram members The campaign against insurgents in the North-East intensified with the capture of a top leader of Boko Haram and the killing of about 70 insurgents at the sect’s stronghold in Gwoza Hills, Borno State. Saturday PUNCHinvestigations revealed that the leader was arrested on Thursday evening while he was trying to flee the bombarded Gwoza Hills with some blackToyota Land Cruisersports utility vehicle in his escort. It was learnt that the Special Forces captured him alive and flew him immediately out of Borno State to Abuja for interrogation in one of the military formations in Abuja. A source, who confided in our correspondent, said that the arrest of the man suspected to be one of the topmost commanders of the sect (if not the leader), had triggered anxiety among security agents in Borno State. Security officials were of the view that the captured Boko Haram leader might be a very key person to the operation of the sect for him to have such a massive and luxurious escort comprisingToyota Land Cruiservehicles. The source said, “On Thursday, soldiers arrested a top member of the Boko Haram around the Gwoza Hills after the battle of Wednesday night when troop took over the hills. “The Boko Haram member must be a very high ranking member of the group if not the head because he had severalToyota Land Cruiserjeeps in his escort when he was captured. “Another thing is that they didn’t want anybody to know his identity; the commanders immediately flew the man to Abuja; as we are talking, the man is being interrogated there. A highly placed security source confirmed the arrest of the Boko Haram leader but would not make any further comment on the issue. Investigations further revealed that troops killed over 70 insurgents at Bita community in Gwoza Local Government Area of Borno State and Bama headquarters of Bama Local Government Area of Borno State. The insurgents were said to have been killed in two different gun duels with troops at Bita and Bama where Armoured Personnel Carriers and military tanks were fully deployed for the combat on Thursday. Investigation revealed that the soldiers attacked the insurgents when they were moving to launch an attack on Bita community a day after troops overran their Gwoza Hills enclave on Wednesday. The source said that some soldiers sustained gunshot wounds and were being treated at a hospital in Maiduguri. It was learnt that some other insurgents were killed also on Thursday evening on their way to Bama after the first encounter which resulted in the killing of over 40 members of the sect. It was gathered that the special forces waited for the convoy of the insurgents on their way to Bama when an intelligence report was received that they (the insurgents) were on their way to launch another attack in Bama. A security source said that the insurgents were moving in 15 trucks loaded with fighters when they ran into the ambush of the troops. The source said that the troops destroyed seven of the trucks which caught fire and killed about 30 of the insurgents.” However, it was stated that the insurgents escaped with eight of the vehicles in the convoy. When our correspondent contacted the Director of Defence Information, Maj. Gen. Chris Olukolade, he confirmed the deployment of APCs and military tanks but asked to be given more time to confirm the capture of the Boko Haram commander and those killed in the two battles. “That APCs and military tanks were deployed is no news but you have to give me some time to confirm this story from the relevant places,” he said. However, Olukolade said that the troops arrested a middle-aged Cameroonian who served as the arms courier for the sect. He said that the arrest of the Cameroonian led to the discovery of a large cache of arms and ammunition which was hidden in the premises of a burnt church. Olukolade said that weapons recovered from the insurgents in the premises of the church in Kalabalge Local Government Area of Borno State included anti-aircraft guns, rocket-propelled guns, other brands of machine guns and thousands of various calibres of rounds of ammunition. He said that the Cameroonian led troops on a cordon and search operation to a hideout where a terrorist was captured. He was silent on the rank of this particular terrorist whose singular arrest featured in his news statement.

How to find free online games for your pre-schooler

Are you the parent of a soon-to-be preschooler? If you are, you may be interested in educating them from home to help prepare them for preschool. If you are, you should examine online preschool games. Online preschool games are great for toddlers and preschoolers, as they can often be fun and educational all at the same time. Online preschool games make educating your child from home fun and exciting. As great as it is to hear that online preschool games are great for preschoolers or toddlers, you may be curious as to how you can go about finding them. The two best things about online preschool games is that they are often free and extremely easy to find. If you are looking for fun and educational preschool games, you will want to keep reading on. One of the many ways that you can go about finding free online preschool games for your child is by visiting popular children's websites. These are websites that are often run by popular children's television networks or popular children's magazines. These websites are often filled with fun at-home preschool activities. These activities often include free online preschool games. By visiting the website of a popular children's television network, your child may get to play a computer game with one of their favorite cartoon characters! Another one of the many ways that you can go about finding educational online preschool games for your toddler or preschooler to play at home is by way of standard internet search. When performing an internet search, you should search with phrases such as "free preschool games," or "free educational games," or "free preschool computer games." Your standard internet search results should bring you to online websites that have free online preschool games available for playing. The two above mentioned approaches are just a few of the many ways that you can go about finding free online preschool games for your child to play. Just as a reminder, it is important that you monitor your child at all times when they use the computer to play online preschool games. Be sure to thoroughly checkout all advertisements on the websites that your child visits to play online preschool games. This will prevent any inappropriate websites or pictures from appearing on their screen through a wrongly clicked advertisement.

8 Top insurance mistakes to avoid

Mistake #1 Don’t forget to update the beneficiaries on your life insurance policies regularly. Update it every few years or when there’s a major life event such as marriage, divorce, new babies, death of beneficiary, etc. I hear sad stories all the time from people who’s husband, father, or wife forgot to update the beneficiary on their policy. Instead of the deceased’s family getting the money it’s some ex-wife, ex-husband, cousin, distant relative, ex-girlfriend and the current family and kids are left penniless. That’s tragic. Mistake #2 It’s important to not let your life insurance lapse when you’re switching bank checking accounts. Most people have their life insurance premiums taken out by EFT (Electronic Funds Transfer) every month and forget to notify the insurance company of this change. And guess what? Murphy’s law strikes when you least expect it and can’t afford it. It’s a high chance that something will happen when you’ve been paying 20 years for insurance and then when it has lapsed for 3 months there’s a car accident. Notify the insurance company when closing and switching bank checking accounts. Mistake #3 When requesting life insurance quotes most people aren’t aware that they don’t have to set up an appointment with the first agent that calls to give them a quote. You can receive a quote over the phone or through email. And you don’t have to buy life insurance from the first Insurance Agent you talk to. It’s ok to shop around, but please be polite when you turn down the other agents. Selecting an Insurance Broker is often easier than working with an agent that only represents one life insurance company. A broker will try to find the lowest rate for you and the best policy to fit your situation. An agent that only works for one company called a “captive agent” can only offer you the products from that one company. Mistake #4 Buying life insurance that does not require a medical exam. It’s often 2-3 times the price of normal life insurance and not worth it if you are perfectly healthy. A medical exam can be inconvenient but it can save you several hundred of dollars a year. Now think of how much you can save if you multiply that by 30 years or whatever length you plan to keep that life insurance policy. Mistake #5 Buying the life insurance policy with the intent to commit suicide. Ok, this is silly but there are people that face depression and have suicidal thoughts. First, this idea isn’t going to pay because most insurance company and policies have this suicide clause that states if you commit suicide within the first 2 years the company won’t pay the death claim. Don’t do it, please get help if you are thinking this. Mistake #6 Canceling your old life insurance policy when you’re purchasing a new life insurance policy with another company but the new policy hasn’t been issued yet. Wait until you have received the new policy before canceling your old one. You don’t want a few months where you don’t have life insurance. You don’t know what can happen during that time. Mistake #7 Not getting enough life insurance coverage. It’s hard to understand why some people would spend money to buy $10,000-50,000 of life insurance. That is such a small amount, certainly not enough to pay off a mortgage, send a kid to college, pay off loans or debts, and can’t support someone for a few years. At least find out how much it cost for $250,000-300,000 of coverage. It may be cheaper than you think. Mistake #8 Lying on the life insurance application. The insurance companies have a way of finding things out. If you lie on the application then insurance company may not pay the death claim and just refund the premiums if they find out. Be honest about all medical conditions and list all the medication you’re taking.

Health insurance

Choosing a health insurance plan that is best for you and your family is one of the most important decisions you'll ever make. Choosing between health plans is not as easy as it once was. Although there is no one best plan, there are some plans that will be better than others for you and your family's health needs. Plans differ, both in how much you have to pay and how easy it is to get the services you need. No plan will pay for all the costs associated with your medical care, some plans will cover more than others. Most Americans have health insurance through their employers, and every year more employers offer insurance coverage by managed care organizations (MCOs). Today, Americans are in an era of managed care. It's a new experience for most people. Managed care companies may decide what doctor you will see and when, and what treatments will be covered. It requires you to make some important decisions because not all managed care plans are the same. In choosing a health insurance plan, you have to decide what is most important to you. All plans have tradeoffs. It is worth asking yourself a few questions such as: • How comprehensive do you want coverage of health care services to be? • How do you feel about limits on your choice of doctors or hospitals? • How do you feel about a primary care doctor referring you to specialists for additional care? • How convenient does your care need to be? • How important is the cost of services? • How much are you willing to spend on health insurance premiums and other health care costs? • How do you feel about keeping receipts and filing claims? You might also want to think about whether the services that a health insurance plan offers meet your needs. Call the plan for details about coverage if you have questions. It is worth considering the following: • Life changes you may be thinking about, such as starting a family or retiring. • Chronic health conditions or disabilities that you or family members have. • If you or anyone in your family will need care for the elderly. • Care for family members who travel a lot, attend college, or spend time at two homes Most health insurance plans provide basic medical coverage, but the details are what count. The best plan for someone else may not be the best plan for you. For each plan you are considering it pays off to find out about a range of things from physical examinations and health screenings, care by specialists and prescription drugs to vision care and dental services. It is also important to find out about the various offered services such as medical counseling as well as what is on offer. Ask if a certain service is limited or not covered. You should find out if what is provided is what you require and if there are special programs for certain types of illness. It is also worth finding out about medicines and equipment that may be needed. Find out what types of care or services the plan will not pay for. These are usually called exclusions. Few indemnity and managed care plans cover treatments that are experimental. Ask how the plan decides what is or is not experimental. Find out what you can do if you disagree with a plan's decision on medical care or coverage. Finally you should think about the location of services and how far you may be prepared to go for care. On this subject you should consider whether or not the plan handles care when you are away from home. After you review what benefits are available and decide what is important to you, you can compare plans. Many things should be considered. These include services offered, choice of providers, location, and costs. The quality of care is also a factor to think about.

Top 5 jobs that require life insurance

Life insurance is an important aspect of everyones lives and is something which everyone will have to face at some point in time throughout their lives. This point may come sooner rather than later for some individuals because of the job they perform on a daily basis. While some individuals start everyday by putting on their suits and racing to get to the coffee shop for their morning coffee, others are strapping on their work boots and preparing themselves for a day of excruciatingly hard labor. As scary as it may sound, there are many individuals who are willing to put their lives in danger every single day when they get up and go to work. The following is a list of the top 5 jobs which are considered to be the most dangerous jobs in the world. Individuals who perform these jobs are highly recommended to have a life insurance plan incase (god forbid) anything goes wrong on any given day. These are the 5 occupations which made the list: 1.Police/DetectivesPolice Officers face life threatening situations almost everyday. They are highly trained to defend themselves and are equipped with protective equipment at all times. Life insurance and disability insurance are crucial for individuals working in the field of policing. 2.Airplane PilotsBelieve it or not, airplane pilots require life insurance because they are dealing with such powerful machines which have been known to have mechanical glitches. Airplane pilots are also highly trained in their field to make sure they do their best to fly safely. 3.Construction WorkersConstruction workers are somewhat unappreciated for the amount of hard work they do everyday. They not only put their lives in danger from all the machinery they are expected to operate, but they also face many factors which will affect their health in the long run. Overexposure to sun, heat and excessive lifting are just a few of these factors. 4.Farm WorkersMuch like construction workers, farm workers are at high risk of injury or death due to the fact that they are constantly operating heavy machinery. There are hundreds of farm work related deaths a years and thousands of injuries for individuals working in farm fields. Life insurance and disability insurance are important for individuals in this occupation. 5.Fire FightersIt is a known fact that fire fighters put their lives on the line everyday to save the lives of others. Knowing the potential consequences and performing the job anyways indicates that these workers deserve the highest level of respect from others. Individuals who have chosen careers in firefighting are also likely to have a life insurance policy. Is your job dangerous? Is your life on the line everyday? Maybe not, but there are many other factors other than your occupation which may indicate you need life insurance. Life insurance is a plan which will ensure your loved ones are taken care of incase anything happens to you. Wouldnt you like to know your family would be looked after should this type of situation occur?

Life insurance

There are many types of life insurance policies. Before you venture out for one, learn about them and see which one is applicable to your needs best. The following are the most common ones: 1. Term life insurance: This type of insurance is the most basic of all. Its one and only function is to cover your life with an amount of cash which on even of your death will be given to your nominee. Here the death benefit is equal to the policy limit. This is a good way to have mental peace in the conviction that you will provide for your family even in the event of death. This is good thing to have as a stand by any day. 2. Whole life insurance: This type of policy besides providing a fixed amount to your nominee on your death, it also gives you a financial gain over time as an investment would. The benefits you get out of this type of insurance is: a. pays a fixed policy amount in event of death b. gives you an investment amount that is free of tax c. protects you from rising prices the premium is fixed for the life despite market fluctuations d. pays dividends as any good investment plan e. offers you freedom to sell the policy back at any given time you choose 3. Variable life insurance: This type of insurance is much more flexible than the whole life insurance. The best benefit here is the fact that it allows the policy owner to borrow against the policy maturity amount. In this way not only you are insured but you also have a very decent source of borrowing at a lower rate than the market price interest rates. The variable life insurance too offers the benefit of tax-free ash accumulation that is a great incentive for investing in insurance the world over. There is another benefit that accrues from this type of insurance, i.e. the amount that is to be paid as a benefit to the nominee of the policyholder can be varied according to the need of the beneficiary (in relation to the funds available in the account). 4. Universal life insurance: This insurance one of the most flexible of all types of insurances. It not only covers the death, but also allows you a host of other benefits: a. As all insurance policies, it pays the beneficiary a pre-arranged amount of cash in the event of your death b. It provides a tax-free cash investment which can accrue interest at market value c. It allows complete flexibility on the premium making it easy for you to keep up with your payments even in lean times d. At the same time this type of insurance allows amount flexibility 5. Universal variable life insurance: This is the ultimate among all the insurance policies. It allows you complete freedom on the way you invest and recover your investment. You have full control upon your cash at all times: a. it pays the beneficiary a pre-arranged amount of cash in the event of your death b. It provides a tax-free cash investment which can accrue interest at market value c. It give you total premium flexibility d. It allows to withdraw cash from your policy at any given time throughout your life time e. It allows you to borrow against the maturity amount at subsidized rates of interest f. It allows you to terminate the policy at any time, however, in that event your maturity amount will be reduced according to the time in question Life insurance first and foremost role is to protect the near and dear ones in even of ones death by providing an alternative source of income. Today, however there are a number of benefits added to the main role. Check out the latest developments and choose well. Get value for your money.

Life insurance as an investment

Term insurance provides coverage for a pre-specified period. For example, term insurance is designed to protect a mortgage or provide income for your family in case of your death. You pay the term insurance premium each month and as long as you pay the premium your policy will stay in force. Once the contract reaches maturity (usually in 10 years) you need to renew your policy at a higher price. If you die while you're paying the premium your estate gets a large sum of money. In contrast, permanent or whole life insurance remains in force until you die. You pay the premium on a monthly basis for a pre-specified term, which can range between 10 to 20 years. A portion of your monthly payment pays the insurance and the life insurance company that provided the insurance invests the remainder. Eventually you don't pay any premiums but your estate still receives a large payment upon death. Whole life polices have been criticized because their investment returns are low. Thus you were often advised to buy life insurance protection with a term policy and invest the difference between term and whole life payments in a separate investment vehicle, such as mutual funds, stocks, or bonds. Once you have built up a large pool of assets you don't need the insurance because the assets will provide security and stability in the event of an unexpected death. However, there is a new, more flexible product called universal life insurance. While the life insurance company controls the savings in a whole life policy, the savings in a universal life plan are owned and controlled by the policyholder. Insurance companies offer a large variety of investment options for this savings component, including mutual funds. Thus, you have the ability to meet your life insurance needs and increase your return on investment. The major advantage of a universal life policy is tax-advantaged growth. When you pay the policy premium, a portion of the premium pays for the insurance and a portion is invested. However, when you are ready to withdraw the money from your investment, your cost basis ( the portion not subject to tax) is higher with a universal life policy. The cost base for a universal policy is equal to the sum of all your premiums - the amount of money you have invested plus the money you have used to buy life insurance. This is very useful because increasing your cost base will ensure you pay less tax once you sell your investments within the universal life policy. Universal life insurance provides a powerful combination of life insurance and tax-advantaged investment opportunities. Investors should realize that universal life insurance premiums work twice as hard as other premiums. They should also know that choosing the right product is an important element in the overall success of this strategy. Finally, the benefits of this strategy are magnified if you are in a higher tax bracket.

Disability insurance

What is Disability Insurance? The Social Security and Supplemental Security Income disability programs are the largest of several Federal programs that provide assistance to people with disabilities. While these two programs are different in many ways, both are administered by the Social Security Administration and only individuals who have a disability and meet medical criteria may qualify for benefits under either program. - Social Security web site, June 2006 The Social Security office will want to check your medical history to be sure you qualify for disability benefits. The Social Security office is one way to get disability benefits, but in most cases these benefits will not be substantial enough for families. Disability insurance can be obtained through any number of insurance companies. In the event that you are disabled, this insurance will serve as financial protection. You will receive a percentage of your gross income from your disability insurance policy, income that will ensure your own financial safety. You do not have to go through the Social Security Office to take out a disability insurance policy, nor to receive the benefits from that policy. The Social Security disability program is not related to any disability insurance policy that you take out. Individual disability insurance is truly a basic concept. It is an insurance product designed to replace anywhere from 45-60% of your gross income on a tax-free basis should a sickness or illness prevent you from earning an income in your occupation. Every disability insurance policy from every insurance company is very different, this is not a product to simply shop for the most competitive rate. To buy the cheapest disability insurance policy on the market is to throw money away. The odds of getting paid a monthly benefit under a cheap contract may be significantly lower than receiving benefits from a quality contract. - About Disability Insurance web site, June 2006 Types of Disability Insurance Most people are familiar with two types of disability insurance: short-term disability, and long-term disability. Short-term disability insurance is included as part of a benefits package with many different employers, and usually provides an income in the early part of disability. Short-term disability insurance generally provides coverage for a period of several weeks, and does not exceed a two-year term. Long-term disability, however, can last for a period of several years. These types of policies may be included as a part of employment, in a benefits package, but many purchase these disability insurance policies individually. As far as disability insurance goes, however, there are still more policies to learn about. One type of disability insurance is the Own-Occupation Disability Insurance. The definition of this policy reads: The inability to perform the material and substantial duties of your regular occupation, the insurance company will consider your occupation to be the occupation you are engaged in at the time you become disabled, they will pay the claim even if you are working in some other capacity. Another kind of disability insurance is the Income Replacement Insurance. This is a very popular type of disability insurance, and most insurance agents are familiar with this policy. The language of this type of disability insurance reads: Because of sickness or injury you are unable to perform the material and substantial duties of your occupation, and are not engaged in any other occupation. Common in employee benefits packages, Gainful Occupation Coverage is another popular form of disability insurance. The language here is worded very carefully: Because of sickness or injury you are unable to perform the material and substantial duties or your occupation, or any occupation for which you are deemed reasonably qualified by education, training, or experience.

Health insurance

Getting Health Insurance Quotes By Phone Though calling around for insurance quotes can be a very time-consuming task, it is a good way to get your questions answered about the policy by a professional. In many cases, calling an insurance company for a quote will lead to an automated session and then being placed on hold. This is the kind of frustration that you will face, over and over, when trying to receive any kind of insurance quote by phone. It does take up a lot of time and you do have to keep notes about each quote you receive, but there are some good reasons for obtaining health insurance quotes by phone: You can talk to a professional in real time Eventually, you will get through to an actual human being on the other end of the phone. This person can explain the policy to you in detail, answering any questions you may have as they come up. You can learn about different premiums and options on the same policy When a certain health insurance policy interests you, you may be able to talk to someone about adjusting the premium and/or deductible on the policy, tailoring it to better suit your needs. You can purchase a policy right away By using a check by phone or your credit card, you can purchase a policy based on the health insurance quotes you receive over the phone. This process is generally quick, including a brief question-and-answer session. Getting Health Insurance Quotes Online For those who prefer a quick and easy method of insurance shopping, the Internet is definitely your best option. Using the Internet, you can go to a specific companys site and learn more about their policies by receiving free online health insurance quotes, or compare and contrast the policies offered by several companies at once. The Internet allows you to receive many more health insurance quotes, in a much shorter period of time than you would be receiving quotes over the phone. There are many benefits to shopping for health insurance quotes online: You can get many health insurance quotes, quick When time is a factor, the Internet is your best friend. You can look at several different health insurance quotes at the same time online, much more quickly than it takes to get through most phone automated systems. You can compare lots of health insurance quotes at once Side-by-side or page-by-page, with the Internet you can compare health insurance quotes from several different health insurance companies at once. This makes comparison shopping a breeze. Ease of purchase You can often purchase a health insurance policy online, using a secured method and your credit card. This allows you to get your health insurance policy quickly, so that coverage can start right away. An Independent Agent When doing your own research, finding different quotes, calling around or even using the Internet to shop just isnt your thing, youll want to use an independent insurance agent. These agents do not work for any specific company but for you. They use their time to shop around for you, finding you the best possible policy based upon the health insurance quotes they receive. Often, independent agents can get much better rates than the average customer. This is because insurance company offer agents deals and discounts simply for brining in new business. An independent agent will work for you to find the best health insurance quotes, so that you pay less while still receiving the best coverage possible for you and your family.

Life care insurance

What is Long Term Care Insurance? Long term care insurance serves to help those individuals who need extra care and attention as they age. Long term care insurance helps to take financial burden away from family members, and for the individual in need of such care. Often, the elderly have very little income and no extra money. Yet, the cost of aging itself seems to be rising. Those who can least afford it are expected to pay huge healthcare costs. This is why long term care insurance can be beneficial, and take financial burden away from those who cannot afford the high cost of healthcare. A long term care insurance policy may be purchased at any time, though policies are ideally purchased before the need for long term care arises. Paying the Price of Long Term Care Insurance Long term care insurance premiums and rates will usually go up as the policyholder ages. In some cases, long term care insurance will not be needed at all. In those cases where long term care is needed, however, long term care insurance can be invaluable. The price of paying for long term care insurance is much less than the cost of paying for long term care. Healthcare these days is very expensive. Long term care, these days, is astronomical. An average private nursing home room this year costs over 190 per day. Now, to receive 24 hour care at home costs more than 400 per day. Life expectancy for women is 80 years, five more than men. You want to stay in your home as long as you can. You want to choose where and how you receive long term care as you grow older. About sixty percent of those age 65 and older will need long term care. A third of those receiving long term care today are under 65 - Long Term Care web site, July 2006 Obtaining a Long Term Care Insurance Policy Many insurance companies offer long term care insurance policies. It is always a good idea to shop around for the best rates and coverage when it comes to purchasing any type of insurance policy, but especially when it comes to health insurance. Rates on long term care insurance will rise as time passes, but in general it is best to purchase a long term care insurance policy before the need for long term care arises. Do as much research and obtain as many quotes as possible when considering a long term care insurance policy. Make sure you know the rate at which the policy will increase and how much the long term care insurance will pay. Understanding Your Long Term Care Insurance Policy These days, simple insurance policies are so complicated that you almost need a translator to decipher the more complex language. Its very important that you understand the details of your long term care policy, including limits and deductibles that are applied to that policy. If you need help understanding a policy, you can consult with a lawyer. Do not sign up for a policy unless you understand every detail of that long term care insurance policy. You want to have all the details before you sign. How Do You Know Long Term Care Insurance is Right For You? Long term care insurance is for anyone who does not have an unlimited supply of money, who does not want themselves or their family to bear a heavy financial burden as they age. Long term care insurance serves to protect you, both financially and health-wise. Long term care insurance is a good idea for anyone, whether they believe they may need long term care or not.

Is Life settlement the next untapped goldmine for seniors

Ok, Ill admit it--Im a bit biased about life settlements. Someone close to me recently received a small but respectable chunk of money from an unwanted insurance policy. They used the money for some fun things and to pay bills, and it got me interested in knowing more about how they did it. As a result of this, and because I had never even heard of life settlements before, I started investigating this opportunity. What I discovered astounded me. Life settlement has been around for decades. Today it is an industry that is exploding at a growth rate of 20% or more each year, according to Conning Research of Hartford, Conn. In fact, in the last 12 months alone over 11 billion of life settlement transactions have taken place in the U.S. Large institutional investors like Warren Buffets CoventryFirst are purchasing billions a year in policies. Most seniors are not aware that they can potentially sell their existing life insurance policy instead of taking pennys on the dollar for the money they have saved in their whole policy over the years, or, in the case of term policies, getting nothing by letting the policy lapse or turning it back to the insurance company. Seniors who have life insurance policies of any kind, and who no longer need or want their policy can now sell it to investors in this secondary market. Is it Legit? An insurance policy is an asset just like a house or car. Owners can legally sell their policy to others and transfer the title, rights and obligations to their policy over to the new owner and receive cash for their policy. They can use the cash in any way that they like. In September 2004, the Wall Street Journal wrote, "Life Settlements can make sense for sellers who no longer need coverage and no longer want to pay premiums. Selling an unwanted policy increasingly is becoming a financial management tool for older people who face a cash crunch, who dont want to rely on children for financial support or who are trying to find money for costly long-term care insurance. Some holders of term policies sell them because theyve found equal or better insurance coverage at a lower rate." "For people with universal-life coverage, which combines a death benefit with a savings component, the value of a policy in a life-settlement transaction is generally at least three times the underlying cash value of the policy...Even term policies, which have no underlying cash value and typically disappear at the end of a set amount of time, are worth something--often between 10% and 30% of the policys face value." The article references three examples where policies were sold in life settlement transactions: 1. 248,947 was paid for a 1 million term policy held by a 66-year old. 2. More than 232,000 was paid for a 2 million universal policy that had a cash value of 53,300. 3. 160,000 was paid for a combined policy on a man in his 60s. The owner said, "I thought they had no value--I would have just turned the policies in for nothing." In my research I discovered that seniors often have the same basic questions when trying to understand the opportunity of life settlements. Q: Will my insurance company let me sell my policy? Yes. Once a life insurance policy is issued and put in force it is the property of the contract owner--you. Much like any other asset, you have the right to dispose of the policy in any manner that you may choose after the contestability period has passed (typically the first one or two years of the policy). Q. Are there any restrictions on how I use my life settlement funds? No. Proceeds from a life settlement are not restricted in any way. It is your money to use any way you desire, however, some taxes may be due on the proceeds. You should consult your tax advisor. Q. Are there any medical exams or application costs? No. Usually not if the company is above-board. Q. How do I know if my policy will qualify? Most types of individual life insurance policies (and many group policies) qualify for a life settlement. A buyer can work with virtually every policy type including term, whole, universal, variable, group or joint survivorship. Policies may be owned individually, or through corporations, foundations, trusts, non-profit organizations or businesses. In some states, under certain circumstances, a policy less than two years old may qualify for settlement.

Viatical quotes

The word ‘viatical’ originates from the word ‘viaticum’ which was part of the last rites performed on a dying Catholic in order to prepare him for his destiny. History shows us that its early beginnings can also be found in Greece. Viatical settlements are offered by dozens of companies around the world. Why? To aid senior citizens (viators) in their poor financial situation. Viatical settlements provide a way out of crisis scenarios by giving terminally or chronically ill patients the option of selling their life insurance policy for a premium amount. Naturally, the higher the bid, the more profit you make. Although this form of instant cash has a sad tone, it has been highly beneficial to people who have high medical bills and other critical emergencies. If your policy is a Term, Universal Life, Whole Life, Joint/Survivor or a Group contract, then the good news is that you are eligible for a viatical quote. The person who buys the policy is called an investor. An investor can be the final third party who is interested in the policy or a viatical company that holds it as an investment. If it is a company that is buying the policy they can resell it at a profit. When buying a life policy of another person you to have complete knowledge of the viator’s medical history. You can either buy the whole policy or a part of it. Usually a policy will state the life expectancy of the individual because the quote will depend on how long the seller is expected to live. Once you buy the policy, you gain if the seller dies before the expectancy date but your return will be lower if he lives longer. In some cases you might loose a little form your principal amount if the seller lives a long life! Due to this risk factor, viatical settlements and quotes need to be regularized and controlled. Thus, the State Insurance Commission gives out licenses to selected companies who are capable of handling this intricate business. However, in some US states the viatical industry is not regulated at all. Companies often buy the policies and then offer it to prospective buyers at higher rates. The National Association of Insurance Commissioners and Federal Trade Commission are two legal bodies that offer information with regard to viatical quotes and settlements. If you are a Viator, then you have two choices. Either to can sell your life insurance policy directly to another person or you can use the services of a broker. Viators generally hire a broker because they know the market and can negotiate for a better viatical quote. The quote depends of many variables such as the state, age and medical condition of the viator. Prior to suggesting a bid, the investor, broker and viator will meet to highlight details of the case. The investor will want to know the medical prognosis so he can offer a more realistic quote. Once the quote has been offered and the bid accepted, the life insurance policy is transferred to the new holder. This completes the process and the viator is given a lump sum payment. In conclusion, viatical quotes will differ from state to state and can be settled upon only after reviewing all the factors involved in the case. The viator and the investor have to come to an agreement is which mutually beneficial. While being a perfect avenue for the viator, he should also be wise to make sure the sale is worth his while.

Tips to consider when doing internet marketing

If you are looking for an opportunity to make money online, there are some important things you are going to want to consider that will have a significant impact on weather you will be successful in making money online. So many people join opportunities and programs without taking the time to answer some very important questions and as a result are setting themselves up for failure. Understanding your skills and having an accurate idea of the resources you have at your disposal will greatly enhance your ability to find an opportunity that makes sense for you. The first thing you absolutely must consider when looking for an opportunity to make money online is what type of marketing skills you have. Do you understand the marketing process and know how to market? The fact is your ability to have success online is directly linked to your understanding, knowledge, and ability of HOW TO MARKET! If you do not know how to market, you will fail online. Therefore, if you lack the understanding and knowledge of the overall marketing process and how to market, it is imperative you find someone who can mentor you and teach you how to market. There are programs out there where individuals offer quality training, support, and mentoring aimed at teaching people how to market. In order to be successful in making money online, you must know how to market. If you don't know how, your best bet is to find someone to teach you. When looking or an opportunity to make money online, you are also going to want to consider the time your advertising budget as well as the time you can commit to your business. The fact is if you do not have any type of advertising budget, you are going to have to rely on free marketing techniques and methods in order to drive traffic to your sites. To successfully implement free marketing mediums, they require an investment of your time. Therefore it is critical to asses the amount of time you can devote to a business and what type of marketing budget you have in place. These factors will have a significant impact on what marketing strategies you will be able to implement and have a direct impact on your success. One last area you want to look at when trying to find an opportunity to make money online deals with your goals and expectations for the business. What type of expectations and goals do you have? What type of money are you looking to make? These are important questions you should answer. If you're looking to make 1,000 per week, you would be hard pressed to do so selling affiliate products where you earn a commission of 10 per sale. The fact is some opportunities are more expensive but have greater upside in terms of the income they can generate. You will want to figure out what your goals are how they relate to the amount of money you can invest and make a decision accordingly. In looking for an opportunity to make money online, you should address the above key questions. Doing so will better enable you to make a good decision with respect to the opportunity you decide on and ensure that it is a fit for your situation with respect to the skills you possess and the resources you have available to you.

How internet marketing can deliver you more money

The internet has provided some exclusive ideas for marketing in the computer age and likely of high concernment to site owners is the competence to advertise your website and make money at the same time. Without paying for a worthless Ad Campaign, a site owner can get their name out in the market while adjoining sales or sales commissions to their bottom line. Had someone suggested a short 16 years ago that you could make money clearly by "Ad Campaigns", bewilderment would have been sure to follow, but as the internet matures and marketing advances, it is not only possible, it is a functioning certainty. One of the fastest advancement ways of realizing income through internet marketing is through the use of Affiliate Marketing. By becoming an affiliate of another merchant, whether they sell merchandise or information, when a visitor to your site clicks an ad on your website, going to another site and arranges a purchase, you receive a commission on the sale. Each web business that you become affiliated with can be a benefits stream and although they may be meager streams, with the distinction of them working collectively, they can build a virtual income torrent. Once an affiliate marketing site is in place, the income will carry forward provided you continue marketing errands to intensify profusion at your site. Even if your site sells zero and is just a touchstone portal to other websites, by exclusive internet marketing stints to rev up your site, you increase the odds of them going to one of the affiliate sites listed on the site and buying something. "You make money on every sale." If your site does sell products, it can offer affiliate sites for related merchandise that you do not sell. In addition to the increased sales, the site with which you are affiliated with also gets the added bonus of having another high quality link to their site, improving their status with the search engines. Internet marketing can go in both directions if you and a related company that sells different products exchange links. Both companies can benefit from their individual internet marketing efforts as well as from higher search engine rankings. Signing up as a franchisee for an established online business can also see benefits boosted by your internet marketing routines. Normally, higher commissions are paid through multi-level marketing plans and through internet marketing, more sales can be directed to your site and higher commissions made on each sale. There are companies that offer as much as 60 percent or more in commissions to their franchisees, which usually more than pays the initial charges. Be particular about which companies you become affiliated with as some people may be fervent by a choice of gambling or centers with adult content, unless that is the admirers to whom your internet marketing is targeted.

Build a saving account to protect finances

How much money do you have in your savings account? Are you able to help support an emergency cost with it or would you continue to use credit cards or safe cash advance online loans in order to make your budget work? Bankrate.com completed a survey that showed only 51% of all Americans have enough money in their savings account to be able to clear credit card debt. The latest result is the lowest percentage since they began tracking this information in 2011. With the increase in household debt, the results are not surprising. According to this particular survey, only 30% admitted to having more credit card debt than savings. About 17% of the remaining folks surveyed said that they had either credit card debt or money saved in the bank. Savings accounts seem to be losing significance. According to Bankrate.com's chief financial analyst, Greg McBride, the results reflect multiple problems within household finances: static incomes, unemployment or under-employment troubles and inflated household expenses. Where do you fit into these findings? If you have a job, you are already ahead of the game. What about your income? Does it support your household needs or has your salary remained stagnant waiting for some sort of increase? The cost of living rate continues to go up each year and if wages remain static, life will eventually outgrow your paycheck. We can't place specific disclaimers on how much overspending has to do with the debt troubles, but research found that Americans took on a hefty amount of debt in December. Consumer spending significantly increased in the fourth quarter. This information (based on a study done by the Corporation for Enterprise Development) defines many household situations. There may be employment but when debt filters in, it lowers the status of individual financial situations. Americans are not comfortable with their financial status. More than 40% of households do not have enough savings to cover three months of expenses never mind enough to pay off all credit card debt. With credit card debt being so high, many of these households have already or on the verge of becoming credit challenged. This means that their credit utilization rate is so high that no new creditors will approve new lines of credit. The maxed balances limit additional spending and creditors will often lower credit limits as payments are made. People's revolving accounts will close up around them. Bottom line to this report, get busy building a savings account. Id you are unemployed, don't give up. Under-employment may need a second job or a job change in order to support your household needs. Don't take your eyes off of cutting back. you may not be able to support a home in an exclusive neighborhood or within a certain mileage of work or local schools. Take the best direction in order to support your savings account. It would also be imperative to lower your credit card debt before alternative money from cash advances direct lenders filters into your budget. Self-reliance is what the research is studying. Will you be able to maintain your lifestyle based on what you make right now? Survey says… it will all depends on how big you built your savings account.

Build a saving account to protect finances

How much money do you have in your savings account? Are you able to help support an emergency cost with it or would you continue to use credit cards or safe cash advance online loans in order to make your budget work? Bankrate.com completed a survey that showed only 51% of all Americans have enough money in their savings account to be able to clear credit card debt. The latest result is the lowest percentage since they began tracking this information in 2011. With the increase in household debt, the results are not surprising. According to this particular survey, only 30% admitted to having more credit card debt than savings. About 17% of the remaining folks surveyed said that they had either credit card debt or money saved in the bank. Savings accounts seem to be losing significance. According to Bankrate.com's chief financial analyst, Greg McBride, the results reflect multiple problems within household finances: static incomes, unemployment or under-employment troubles and inflated household expenses. Where do you fit into these findings? If you have a job, you are already ahead of the game. What about your income? Does it support your household needs or has your salary remained stagnant waiting for some sort of increase? The cost of living rate continues to go up each year and if wages remain static, life will eventually outgrow your paycheck. We can't place specific disclaimers on how much overspending has to do with the debt troubles, but research found that Americans took on a hefty amount of debt in December. Consumer spending significantly increased in the fourth quarter. This information (based on a study done by the Corporation for Enterprise Development) defines many household situations. There may be employment but when debt filters in, it lowers the status of individual financial situations. Americans are not comfortable with their financial status. More than 40% of households do not have enough savings to cover three months of expenses never mind enough to pay off all credit card debt. With credit card debt being so high, many of these households have already or on the verge of becoming credit challenged. This means that their credit utilization rate is so high that no new creditors will approve new lines of credit. The maxed balances limit additional spending and creditors will often lower credit limits as payments are made. People's revolving accounts will close up around them. Bottom line to this report, get busy building a savings account. Id you are unemployed, don't give up. Under-employment may need a second job or a job change in order to support your household needs. Don't take your eyes off of cutting back. you may not be able to support a home in an exclusive neighborhood or within a certain mileage of work or local schools. Take the best direction in order to support your savings account. It would also be imperative to lower your credit card debt before alternative money from cash advances direct lenders filters into your budget. Self-reliance is what the research is studying. Will you be able to maintain your lifestyle based on what you make right now? Survey says… it will all depends on how big you built your savings account.

Everything you need to know about the foreign exchange market

You've been looking all day for good tips on Forex but have found nothing of use so far. It can be frustrating with the amount of unverified information out there. Pay close attention to the tips provided in this article and you should find plenty of good information to help you on your way to being an expert in the subject. Practice with a demo account before putting in real money. Forex trading can be risky and complicated. Using a demo brokerage account will allow you the time to get over the learning curve without risking your skin. Use the time in the demo to test your ideas and skills and see what really works. Over trading and trading with emotions on forex will get you in trouble every time. Don't get too greedy when you're on a winning streak. Don't try to get revenge after losing an important trade. Use strategies based on clear thinking or the result will cost you money. Do not overstep your knowledge by being aggressive. If you are a beginning trader you should not get caught up in the desire to make windfalls off your first trades. Stick to a mini account that will get your feet wet and allow you to learn how to leverage your capital to best effect with minimal risk. Build your knowledge and your earnings should follow suit. When you trade currencies in forex, try to buy based on trends. Picking currencies that are top and bottom pairs may seem more lucrative, but it is a much more difficult way to trade. Following trends will give you more long-term success and therefore, more long-term profit in your forex trading. Watch your use of margin very carefully. Margin is a great tool but it can lead you into massive debt in a heartbeat in the forex market. Margin can increase profits but if the market moves against you, you will be responsible for the shortfall on the margins. Give yourself breathing room before making any of the following changes to your trading plan. Increasing or decreasing your stop loss, moving your stop loss when it's close to being hit, or taking trades without analysis. These are all changes you can make, but only after examining all of the pros and cons. Doing it just because you see a good trade will cause you to lose money more times than not. When you notice a trend on forex, it is best to follow it. Other people are making money on this stock, so why not join the crowd and earn some money at the same time? There would not be a lot of people buying or selling a stock if it was not making them money. In conclusion, it can take a lot of time out of your day trying to find good information about Forex. This article has compiled some of the best information available. Follow what is mentioned carefully and you will be in great shape for whatever you were hoping to accomplish

Unsecure loans for bad credit: Money advise for poor people

For those of us implication on attractive our financial circumstances, necessitate to make use of finances are moderately responsive. Appreciatively, the progression of receiving unsecured loans for bad credit is not as difficult as is traditionally thought. Essentially, there is no great issue to it if some easy aspects are taken into account, and addressed before implementing. The same as cautious as creditors usually are, here is necessitate for them to provide a make earnings. There are methods around the perceived issue of low financings. There are even methods to increase the possibilities of getting financial loans accepted at low interest levels. These consist of finding a co-signer to guarantee money installments will be made, and making the effort to improve the money ranking rating until financial loans are more economical. Why Bad Credit Record Does Not Issue The idea that credit ranking ratings are the most crucial aspect of any application is not quite true. Essentially, if they were then the possibilities of getting approval on unsecured loans for bad credit would be practically nix. Other than since there are tens of thousands of money accepted to people with low credit ranking ratings every year, the idea just does not hold water. It is attractive to suggest that financings do not issue while applying for bad credit loans guaranteed approval. Figures show that many of us have a financing and yet we get financial loans, so that seems to be true. However, credit ranking ratings, and the ratings to they generate, do have a pressure more the attention levels that is charges. Sadly, financial loans accepted at low interest levels are highly doubtful when a ranking is low. By extension then, a credit ranking rating has a say over whether the installments are financial or not, and this can then decide whether a lender approves the financial loan or not. Receiving Just About the Financial Crisis With the money ranking rating low, creditors do not generally rule out applicants immediately - though established creditors, like banks, do have some very strict lending policies. These consist of getting a co-signer and selection the money ranking rating itself. Improving a credit ranking rating takes a little bit of time, particularly if the ranking is to improve enough to have financial loans accepted at low interest levels. But this can be accomplished either by consolidating all of the existing debt in one huge financial loan, or by taking out a series of financial loans that can be paid back quickly as well. The benefit of either of these steps is that old financial obligations are eliminated, and with each one eliminated the money ranking rating is used to upwards. When 4 or 5 financial obligations are paid back in full, the difference can mean even installments on unsecured loans for bad credit happen to much more cost-effective. The benefit of having a Cosigner The special option along with creditors, though, is the inclusion of a co-signer. This is because a co-signer promises to make the per month financial loan installments if the borrower is unable to. Therefore, receiving unsecured loans for bad credit are beginners by the truth someone else has promised the financial loan will not be defaulted upon. Obviously, there is a catch in that a co-signer must have an income that is huge enough to meet the installments in their own right, and must have an excellent credit ranking history. But once these aspects are confirmed, and then it is certain to get the financial loan accepted at low interest levels, reflecting the lower risk associated with the financial loan. And with a massive financial loan accepted, the process of effectively managing debts can be completed

Advise you need before going into investment

There is no doubt that real estate investing is very popular, but it can also prove dangerous. No matter what your skill level is, keep this in mind. Apply these tips to make certain you succeed with your investing. Marketing will be crucial to your success. Marketing is what generates your leads. Without solid leads, you are not going to find good deals on properties. Therefore, if something is not working in your investment plan, turn to your marketing strategy first to see what is going on and what can be adjusted. Get an understanding of tax laws and recent changes. Tax laws are updated and amended regularly which means it is up to you to keep up with them. Sometimes the tax situation on a property can really up the hassle. When it seems to be getting to thick to manage, consider a tax advisor. Make sure you have a budget when you invest in real estate that includes how much you're going to have to pay to fix the home you're buying up. You don't want to blow all of your money on getting real estate just to find out that you can't afford to fix it up. When you invest in real estate, you may want to make sure you're in an area that you really can live in. You don't want to get real estate just to find out that you don't like the area because then you're going to have to own that property and won't get much use out of it until you can sell it. Always get your properties inspected. Inspections are not a bad thing, and you shouldn't think of them as an annoying expense. Inspections can uncover serious issues that may not be immediately apparent. This can give you negotiating leverage or allow you to fix issues before someone else requests an inspection. If you purchase a property and need to make repairs, be wary of any contractors who ask for money in advance. You should not have to pay before the work is done, and if you do, you run the risk of getting ripped off. At the very least, never pay the full amount ahead of time. Be wary of any prospective tenant who tries to negotiate the rent. While he or she may just be a savvy businessperson, they could also be in a financial bind. Ask a few more questions and be careful about signing a contract with them. You may find yourself constantly fighting to get your monthly payment on time. Don't let your emotions be your guide in real estate investing. What you want personally certainly plays into home buying for yourself, but not for investing your money. Stick to what can make you money, and that is it. Always compare a property's purchase price versus what you can make from it in terms of rental or fixing up and selling. Once you set up an investment plan, get someone else to take a look at it. Even if the person is not an expert in the field, they may be able to point out some things that just are not going to work. An expert, though, can help you adjust your plan to make it more suitable for your needs. They may also be able to talk to you about marketing as well. When you start with real estate investing, you will see that you need to be careful of many things. There are many things you should know before you begin to invest. Keep these tips in mind, and you can look forward to a bright future in real estate.

Employee benefits and family insurance

Whether you are independent and without a family to support, or you have a spouse and children to care for, personal protection by way of health care is always a major concern. Two major types of protection plans exist for those wanting to get the full range of benefits being offered. Employee Benefits Employee benefits vary widely from employer to employer, but the term has come include all legal requirements such as minimum wage, time off, and more and some common perquisites such as paid vacations, health insurance, and retirement plans. The part that is more immediately of concern for most workers when they consider protecting their loved ones is health insurance. For most employers, the largest line item in an employee benefits package is for health insurance. And despite the numerous health care initiatives that have passed in this country, there is no avoiding the rising health care costs. As such, employers are feeling more pressure to make their employee benefits package attractive while keeping costs low. When deciding whether or not to work at a particular company, potential workers take employee benefits very seriously, keeping an eye specifically on health insurance benefits and costs. Whether or not they have a family to protect or keep in mind, health insurance benefits can be the difference between an employee having enough time to recover from an illness or injury before the costs of mending become overwhelming. Family Insurance Protection Though many have heard of the term “family insurance”â€"namely through their healthcare insurance packageâ€"not many know the benefits of this type of coverage. Unlike single coverage or additional coverage for a dependent, family insurance will cover all dependents as well as a spouse under one plan. Generally, family insurance plans are more expensive than single coverage, but the price will not increase drastically whether the holder has one child or four, making it an ideal choice for growing families. Family insurance protection plans are usually structured differently than single coverage plans. Deductibles are usually higher with family insurance plans but they will also cover such things as prenatal care and well-child care as well as routine check-ups well into their teens. In most cases where an employer sponsors a family insurance plan, a policyholder may not much of a choice when it comes to coverage, but one is still able to purchase the coverage at group-rate discounts. For these reasons, family insurance plans are becoming increasingly popular ways of reaping the benefits of full family protection while keeping the cost low as families grow. Combined with employee benefits, family insurance is a great way of protecting the ones you love and gain an added peace of mind.

Which insurance policies are necessary for business

There is an insurance policy that covers almost every conceivable risk a business could face. From the most basic of general liability insurance to the most complex of specially structured policies to cover unique business risks, it is all there. Getting insurance is not the problem. But because insurance can be an expensive proposition, deciding what types of coverage your business needs and what is non-essential or what you can do without is important. The cost of coverage and the specifics of a policy will vary from insurer to insurer. The best thing to do is to discuss the nature of your business and the risks associated with it with your insurance professional. He/she will be able to advise you on the most cost effective insurance solutions for your business. Having said that, there are a few basic types of coverage that no business can do without. *. General Liability Insurance: As the name suggests, this type of policy is designed to protect a business from claims raised against it by those claiming to have suffered accidents, injuries and other loss due to acts of negligence on the part of the business. In general this kind of policy will protect you against damages incurred because of bodily injury, medical expenses, damage to property, the cost of defending lawsuits, settlement bonds etc. as may be required during a legal appeal procedure and libel and slander. *. Product Liability Insurance: In general, businesses that manufacture, distribute and sell a product are responsible for it being safe to use. If there is a defect or flaw in the product that has caused injury or loss, the business may be held liable and be responsible for paying out compensation to those users who have suffered the loss or injury. Product liability insurance protects against this kind of financial loss. The amount of insurance required will depend on the products in question. For example, a business dealing in shirts has less risk of liability claims as compared to one dealing with chainsaws. *. Professional Liability Insurance: This is the equivalent of product liability for businesses that provide services instead of products. This type of insurance protects a business against claims relating to malpractice, negligence, errors and omissions (this insurance is also known as Errors and Omissions Insurance) in the service provided to customers. In many cases it is mandatory for a business or professional to have such coverage. For example, doctors are required in many states to have malpractice insurance before they are allowed to open a practice. *. Commercial Property Insurance: Every business has a physical existence - a working area (large or small), equipment in form of computers, phones, vehicles etc. and other things. These involve a major investment and need to be protected against damage and loss. Fires, floods, riots and other kinds of disasters can not only cause serious financial loss but also affect the income of the business as the operations will be affected by the loss of property. There are two types of commercial property insurance. The first is the All Risk Policy that covers a wide range of risks as noted in the policy terms. These policies cover all the typical risks that the normal business is subject to. The other type of policy is the Peril Specific Policy that covers risks that are specific to a certain type of business. Discussing your business activities and operational issues with an insurance professional will provide the inputs that are needed to decide on which type of policy or combination of policies is right for your business. Every business, from the small home office to a large Fortune 500 company, needs insurance. But each business has its own individual needs. Insurance is a complex subject and making the wrong choices is easy. Spending time on studying the issues and options involved and discussing your needs with an insurance broker will provide your business with the insurance coverage it requires at the cost you can afford.

Tips to ending a relationship

Ending a relationship is never easy. Even if you’ve only been dating a couple of months, the idea of calling it off yourself can produce sweaty palms, guilt and propel you to stand in front of the mirror rehearsing lines. You might wonder, “If only he’d breakup with me first, I’d be off the hook.” But no, he is growing more attached while you are looking forward to moving on. If you are thinking about breaking up with someone who you grew close to, enjoyed the time you spend together, or even loved, how to tell him it’s over may weigh heavy on your mind. Yes, you want to say the right thing, let him down easy and not hurt him beyond repair. Nor do you want saying what you need to say to shatter you or turn the event into a hate session. Careful consideration and forethought can ease the process. Here are some tips that you may wish to consider for ending a relationship on a positive note: Be Sure Breaking Up Is What You Want to Do If you just had a big argument the night before and now you want revenge thinking that telling him it’s over will show him you mean business, you may need to curb your impulses. Give yourself a few days and decide if breaking up is really what you want to do. Sometimes women think that the threat of abandonment will turn their man around to appreciate them a bit more. If breaking up has been on your mind for quite a while and you have come to the conclusion it is best that you part as friends, then by all means as a woman you have just as much right to end the relationship as he does. Choose the Right Place and the Right Time A phone or text message is not the way to say, “I think we should stop seeing each other.” A young man recently sent me his girlfriend’s last text message in which she terminated their yearlong relationship by saying, “I just can’t do this gooey thing anymore.” Though you might have considered texting, you possess the maturity to know that a face-to-face conversation would set a more respectful tone. Plan to meet in a neutral public place, preferably somewhere you have not been as a couple. A coffee shop is better than a restaurant because the last thing on your mind will be food. Find a table in the corner where you can have a bit of privacy and the stage is set for you to have a serious and heart-felt conversation. If you meet at your place or his it is a set up for a long drawn out dramatic end. Timing is also important to consider. For instance, don’t set the time during his lunch hour knowing he will be in a rush to get back to work or during finals week when he has to cram for tests in the days ahead. You wouldn’t want it on your conscience that you caused him to fail and ruined his career dreams for the future. Bury the Hatchet Before You Meet Women break up with their guys usually for good reasons. And you may have a list of things you just got tired of. You may also have a long list of resentments some of which you never told him in the moment. Thinking now is the time to vent a long list of grievances will only add more insult to the situation. Keep your list down to three reasons why the relationship isn’t working for you anymore. Be Honest About the Reasons Why You Want to Call It Off Honesty is the best policy when stating your reasons. If you lie to save face, he’ll probably find out the truth from one of your friends. Make it clear that you spent considerable time in coming to your decision and that you first had to be honest with yourself about your feelings and expectations of the relationship. Don’t Kill Him with Kindness or Think You Can Mentor Him If you are like many women, you may feel a bit guilty being the one to call it off. You want to be kind, but sweetening the conversation with too many apologies may only confuse him. He’ll think there’s a chance you’ll come to your senses, forgive yourself and come back running to him. Never use the break up session to give him advice as if you are coaching him for a future relationship. He’ll learn the lesson surrounding your break up in his own way and in his own time. Consider His Baggage as Well as Yours Before Opening Your Mouth If you were intimate for long enough you know your guy’s weaknesses and vulnerable spots well. He may have issues about being made to seem wrong or has a bit of abandonment phobia because his mother left him as a child. If so, you will want to choose your words carefully so that you don’t push any of his buttons. Stress that the bond of friendship is what you want now and that you have done a great deal of soul-searching, looking at your previous patterns in relationship before coming to your decision. Expand on that soul-searching process a bit so that he knows for sure that the break up was not a hasty decision. Listen to His Response Compassionately and Learn From It As long as he is being respectful, it is important to let him have his say. You may not like all that he tells you, but if you are bent on remaining friends this will be a good test as to whether that will be possible. Don’t let yourself be swayed in the moment to give the relationship another try. If he is extremely attached to you, he may try to make a good case for the two of you remaining together. Tell him you need space and time to consider what he has said. Be Appreciative of His Friendship Although many experts consider it inadvisable to pursue a friendship with someone you were previously romantically involved with, continuing the friendship is not impossible. In fact, it is preferable in cases when you stand on common ground and are connected soul to soul. If you valued your guy for his qualities and all he contributed to your life, you will want to let him know how much you appreciated all that he did. With time, the words of appreciation you express at the end of your romance will hold more weight than the fact that you had to end it.

10 things that make you her prefect man

Although every woman will have different priorities when it comes to what makes a perfect partner there are some things on which most women agree. Men often say that they don’t understand what women want from them but really it’s not that difficult. There are some key qualities that women are looking for when they’re dating and it’s on these that they will judge whether you will make a good boyfriend. None of them are difficult and all men can do them even if it takes a bit of practice. 1. Good hygiene– its number one because it’s so important. If you’re going on a date make sure you shower, brush your teeth and use some deodorant. While some pheromones might be a turn-on, BO is not. Taking care over your appearance, your home and even your car if she’s going to ride in it are all marks of respect which women value. 2. Attention– generally women love to talk and they want a man who’ll listen to them without rolling their eyes or tuning out. Show the woman in your life you care by really paying her some attention rather than just lapping up the attention she gives you. 3. Sense of humour– make her laugh, help her see the lighter side of life and not only will it make you feel good about yourself but she’ll come to see you as someone who could be a real friend as well as a partner. 4. Sensitivity– you don’t need to wear your heart on your sleeve all the time but it’s important that you let her see you have a sensitive side even if you never let anyone else see it. 5. Honesty– there’s a lot of guys out there who are players and women are looking for someone who they can trust. Your honesty can be demonstrated in small ways like being on time, doing what you say you are going to do and telling her the truth about how you feel. 6. Respect– it doesn’t matter how liberated or feminist a woman is they all want to be treated with respect. That means caring about her feelings, supporting her and not messing her about. 7. Integrity– women respect men who have values, beliefs, principals and who will stand up for what they believe in. Men are often physically stronger but even if they aren’t women want to know a man will stand up for her, protect her and be on her side when she needs it. 8. Thoughtfulness– doing those little jobs without being nagged; sending a message just to let her know you’re thinking of her or remembering something important that’s going on in her life even if it doesn’t involve you. Offer to help her when you can but don’t assume she’s always asking you to fix a problem sometimes she might just want you to listen. 9. Desire– no woman wants to be with a man who doesn’t find her attractive. She needs to know it is her you desire rather than just s*x. Show this through affection, compliments and don’t assume she should know, tell her. 10. Ability to commit– while some women may prefer the emotionally unavailable type, those who are genuinely looking for a boyfriend want someone who shows that they have the ability to commit. Be on time for dates; make arrangements and stick to them, don’t be flaky when it comes to your feelings about her. Consistency and stability in your work, friendships and family situation are all great indicators that you are someone she can rely on.