Life Insurance And The Family

Submitted by: Donald Lusan

Is life insurance something we always think about or do we simply take care of it and move on with our lives? As we navigate the adventure of living there are certain inevitable challenges which must be addressed at some point in time.

You are just getting married or preparing for a new baby or, on the other hand, you may have been married for a while and have grown children. You face the everyday enjoyment of living together. There are some difficulties but you, through force of will, overcome them.

Buying life insurance is never a one time experience for one who has the protection of a family as a primary responsibility, or should I say for one who is aware of the need to protect the family in case of death. The husband needs to consider providing sufficient income for his wife and children in the event of his death. Certainly, he would want the family to live in the same house even if he is no longer there to enjoy it with them. He would want them to continue as if he was still there.

[youtube]http://www.youtube.com/watch?v=H1w7Xq0E8Jc[/youtube]

What about the wife specifically. Would he not want her to be as comfortable as possible after he has gone. We have a saying in the life insurance business which goes as follows. “No man has a right to accustom a woman to a certain standard of living unless he intends to see that she continues enjoying it even after his death”. A man should not only provide for his family while the children are young but should also provide for his wife for the rest of her life. I repeat, for the rest of her life. I believe this is his duty and, above all, a true expression of his love for his wife.

Now, should a wife have life insurance coverage on her life as well? You bet she should! In todays world wives are out there working as hard as husbands in order to provide the best for the family. The standard of living that most families enjoy result from the efforts of two working parents, not only the husband. If the wife should die before her husband the lifestyle of the family always changes. There are certain challenging adjustments that need to be made. In some cases, as a direct result of her income being no longer there, the adjustments are quite drastic.

If, however, there had been a life insurance policy sufficient to replace a good portion of her income life would be much easier for the survivors. Money cannot replace a good wife and mother but it can certainly ease the burden of such a loss.

As we go through life most of us juggle money to meet the financial needs of the family. It is quite possible that we will continue to do so if our life’s partner is no longer there to share the adventure of it all. Should we not make it a little easier for the survivors?

I have only one suggestion. I recommend this because I have seen too many good intentions come to naught. Take the time to thoroughly plan your life insurance portfolio and where wise use the policies to provide income instead of lump sums.

Planning for family protection through life insurance should be an annual procedure. As you progress you may need to make adjustments to your portfolio. If you need advice consult a qualified Financial Planner not some well meaning friend who doesn’t know all s/he needs to know to make an educated decision on your problem. Talk to an expert, give him or her all the relevant facts and make your decision based on the advice you get.

For additional information go to: http://www.lifeinsurancehub.net/familyprotection.html

About the Author: For more than 40 years Donald has been known for his extensive knowledge of the life insurance business. He has represented some of the largest and most admired life insurance companies in the United States as well as Canada. His advice is invaluable. Donald’s website is:

LifeInsuranceHub

Source:

isnare.com

Permanent Link:

isnare.com/?aid=353098&ca=Finances

Venezuela opens granite processing facility in Bolívar
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Venezuela opens granite processing facility in Bolívar

Monday, February 18, 2013

Venezuela’s government has opened a granite processing plant in the state of Bolívar, with the intention of providing about 25% of the granite required nationwide.

Ricardo Menéndez, vice president of the Productive Economic Area, said Venezuelan President Hugo Chávez has yearned for the creation of this project to empower Venezuelan construction. Granito Bolívar is reportedly the most modern Venezuelan granite plant, not consuming community water or electricity, and is also the largest, with a daily capacity to supply enough material for use in construction of about 820 houses.

Menéndez said, “These granite blocks are the natural resources of our country, are the wealth we have as a country and often [some] simply decided to remove this richness from our country and take them to other countries” ((es))Spanish language: ?Esos bloques de granito son la riquezas naturales de nuestro país, son las riquezas que tenemos como patria y que muchas veces sencillamente esas riquezas decidieron sacarlas de nuestro territorio nacional y llevarlas a otros países.

According to Menéndez, with the help of a state plan, Venezuela intends to exploit its 40,000 million cubic meters or more of granite reserves, generating a set of factories. “[T]he central theme is that these plants, all these factories, are for the construction of socialism; that means using our potential, develop the value chain within the country and of course that yields benefits from the point of view of the production system’s organization…. [Granito] Bolívar is not only the vision that historically we had of exposing richness, but the industries, basic industries we have, that level of our workers in the basic industries and in addition the development of the potential we have in the state” ((es))Spanish language: ?el tema central es que estas plantas todas estas fábricas son para la construcción del socialismo, eso significa utilizar nuestras potencialidades, dessarrollar la cadena de valor dentro del país y por supuesto que eso genere beneficios desde el punto de vista de la organización del sistema productivo … Bolívar no solamente es la visión que históricamente se tuvo de exponer las riquezas, sino que son las empresas, las empresas básicas que tenemos, ese nivel de nuestros trabajadores de la empresas básicas y adicionalmente el desarrollo del potencial que tenemos en el estado.

For the construction of the plant, supplied by 23 quarries, the government of Bolívar provided about 30 million bolívares (US$4.7 million) and the national government €2.3 million (US$3 million). Bolívar reportedly has reserves of about 40,000 million tons of red, black, pink and white granite, sufficient for domestic demand for 200 years.

Retrieved from “https://en.wikinews.org/w/index.php?title=Venezuela_opens_granite_processing_facility_in_Bolívar&oldid=4351223”

Athletes prepare for 2012 Summer Paralympics at the Paralympic Fitness Centre
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Athletes prepare for 2012 Summer Paralympics at the Paralympic Fitness Centre

Monday, August 27, 2012

London, England — As Paralympians ready for the Games which are set to open later this week, they have access to a world class fitness center inside the Paralympic Village which is designed to maximise their pre-Game preparations.

According to volunteers staffing the center, instead of being a single large room, as in Beijing, the building has numerous rooms. It, along with the adjacent Village Services Centre, is designed to be converted into a school after the games conclude. Rooms have been structured as a gym, an auditorium, and science laboratories.

Gym equipment is supplied by Technogym, an Italian firm that has supplied gym equipment for the Olympics since 2000. Equipment has been provided not just for for the Fitness Centre, but for gyms at all the Olympic venues. The newest equipment is oriented toward maximum flexibility, allowing athletes to exercise the particular muscles that they most require for their sport.

In addition to the equipment, the Fitness Centre also provides instructors trained in the use of the equipment, the likes of which athletes from many countries have never seen before. There are also a number of instructors available to provide motivational training.

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Retrieved from “https://en.wikinews.org/w/index.php?title=Athletes_prepare_for_2012_Summer_Paralympics_at_the_Paralympic_Fitness_Centre&oldid=1731640”

First Active offer 100% mortgages in Ireland
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First Active offer 100% mortgages in Ireland

Thursday, July 14, 2005

First Active has become the first financial institution to offer 100% mortgages in the Republic of Ireland. The bank previously offered 100% financing to professionals in finance and medicine, but is now to offer this product to anyone who can afford to meet the repayments.

The development is a huge boost for first time home buyers who have been struggling to get on the Irish property market in recent years due to the rapid increase in house prices. A typical first time buyer in Dublin with 92% financing would normally have to put down a deposit of €20,000-€30,000 in cash, but now have the option to produce no deposit.

First Active has said that 100% mortgages will be available across its entire range of mortgage products.

Note however that this is not necessarily an entirely positive development.

The United States and most of Europe have experienced a housing price bubble in recent years. A bubble occurs when buyers purchase a property not because its price is appropriate for its actual value but because they expect the price to significantly rise in the short term permitting resale with a profit.

In other words, the prices people pay for properties becomes divorced from the real value of the property; the purchase is speculative and depends purely upon the expectation that people will continue to buy properties in this way (e.g. without proper consideration of their real value).

The terrible weakness in this is that when the market corrects itself and prices fall to a level where properties are being priced at their actual realistic value, anyone holding a property loses a great deal of money, since the price they paid does not reflect the actual realistic value of the property.

This kind of shock to the housing market is extremely undesirable. Significant write downs in the value of property often significantly depress the economy as a whole.

Less than 100% mortgages force buyers to invest a significant amount of money in the act of purchasing their house, which tends to discourage purely speculative purchasing, thus helping to mediate house price bubbles.

With 100% financing, anyone who can meet repayments can speculatively purchase a property. This naturally encourages pricing bubbles.

Retrieved from “https://en.wikinews.org/w/index.php?title=First_Active_offer_100%25_mortgages_in_Ireland&oldid=717674”

Online Driver Scan The Best Way To Enhance Your Computers Performance

This is caused due to the cluttering up of your devicedriver files which can cause a whole lot of problems like low speed, systemerror and driver conflicts. Hence it becomes necessary to carry out an online driver scan regularly to detectthese problems and correct them immediately.

Anonline driver scan can be consideredas a regular maintenance procedure especially if you have an older PC which ismore susceptible to such damages. These are freely available online and can bedownloaded easily if you have an internet connection. Using an online driver scan, you can delete oldand unnecessary files and also replace them with the current and latest ones toenhance your systems performance. Let us review some of the best device driverscans that can be downloaded from the net.

DriverCureis an online driver scan that isextremely popular and is free to download. Its features include up to datedriver maintenance, backup and restoration, increase in speed and automaticdriver updates. Another feature is that it does not use up memory space andsends you email alerts every time an update is required. The next best scanneris Driver Detective which has very similar features to the first one and inaddition can also upgrade drivers for Windows Vista. It does not send any emailalerts but has a large database covering about eleven million applications.

DriverRobot is another online scan which is also free and can be easily downloadedfrom the net. It can perform offline analysis of your drivers, update them andis compatible with Windows XP, Vista and 7. The next one in the list is DriverChecker which is very useful if you need to remove old drivers and install newones. The fifth best online driver scanis Fix PC Errors which promises high performance scanning along with backup andup gradation. In addition to this, it also works as a registry cleaner and isfree to download like others.

Nomatter which type of operating system you have, there is always an automatic onlinescan that is available these days on the internet which can scan and update allyour device drivers regularly to enhance and peak your systems functionalityand capability.

2008 Taipei Game Show review: Variations differ from past years
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2008 Taipei Game Show review: Variations differ from past years

Friday, February 1, 2008

The 2008 Taipei Game Show, organized by the Taipei Computer Association (TCA), ended on Monday, and was different from shows of past years. This could be seen in the gaming population, industry, and exhibition arrangements.

Retrieved from “https://en.wikinews.org/w/index.php?title=2008_Taipei_Game_Show_review:_Variations_differ_from_past_years&oldid=585665”

Fake Scam Stories About Qnet Limited

The headquarters of thecompany is Hong Kong and it has many registered offices in many countries likeIndia, Egypt, Taiwan and Australia. Questnet boasts of a wide ranging productportfolio. The company deals with different kinds of luxury products andcollectibles. It also sells tour and holiday packages, jewelry, nutritionproducts, health and wellness products, energy products and cosmetic products.This company has adopted a multi-level-marketing strategy combined with thecommerce business model in some countries. Questnet trains and then recruitsIndependent Representatives and provides them with a virtual office which theyhave to utilize to promote the company and its products. Their compensationwill depend on their individual sales volume as well as the sales volume oftheir entire team which functions on the binary model. Questnet is also one ofthe members of the Direct Selling Association of Singapore and Malaysia. Itsoffices can be found in different places like Taiwan, Philippines and Indonesiaand it also operates in Saudi Arabia and Egypt. In the recent times, there hasbeen much maligning of the companys name and reputation. Scores of articleshave been published online about the Qnetscam. While many are aware of the Qnet con, not everyone clearly knowswhether the news is genuine or whether these are just malicious rumors beingspread to tarnish the companys image. The Qnet scam articles that have beenpublished on various websites online take of the company operating Ponzischemes.

The firm is accused of operating a fake,product oriented pyramid scheme which is typical of all multi-level-marketingcompanies. In Indonesia and Iran, many of these accusations against the companyforced the founders to shut down the firm after the government officialsstarted arresting the key employees of the company. There is one another aspectof the Qnet scam which had to do with thename of the company. GoldQuest International Corp, a USA based firm founditself in the spotlight due to the negative rumors surrounding Questnet Limitedwhich was earlier known as Goldquest. Questnet was termed by the US Securities& Exchange Commission as a ponzi and pyramid scheme. Often, the Alberta Securities & ExchangeCommission is also mistaken for Qnet Limited. However, the USA based companyhad no whatsoever connection with Goldquest which was later renamed asQuestnet.

Questnet was launched between the period 1998and 2000 and at the time of its launch, it was named GoldQuest. In the year2003, it diversified its operations and extended to wide ranging productportfolio along with different services. The company also went marketingstrategy overhaul and came to be known as QuestNet. GoldQuest, as the name ofthe company was discontinued in the year 2003. The company has not conductedany business under the GoldQuest since 2003. Several reports that have beenpublished online about the scam are largely groundless and the firm claims tobe a registered member of Direct Selling Association of Malaysia and Singapore.Qnetscam is nothing but a manufactured story created by competitors who hadvested interests in bringing the firm down.

Wikinews interviews Spanish shooter Paulo Fontán
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Wikinews interviews Spanish shooter Paulo Fontán

Wednesday, November 6, 2013

This week, Wikinews interviewed Spanish Paralympic sport shooter Paulo Fontán Torreiro. Late last month, Galician Fontán competed at the Alicante hosted 2013 IPC European Shooting Championship, where he finished twenty-third in the R4 10-meter air rifle standing event, and fortieth in the R5 10-meter air rifle prone event.

((Wikinews)) : So you competed at the IPC European Shooting Championships last month? How did you do? Are you happy with the result? ((es))Spanish language: ?¿Compitió en el pasado Campeonato de Europa de Tiro? ¿Qué tal le fue? ¿Satisfecho por el resultado?

Paulo Fontán Torreiro: Yes, I competed in the European Championship in Alicante. It was my first important event and I felt very nervous, I wanted to perform well. Despite improving my previous scores and achieving the minimum qualifying score for next year’s World Championship, I think I could have done better. ((es))Spanish language: ?Si he competido en el cto de Europa de Alicante. Era mi primer campeonato de tanta importancia y me noté bastante nervioso, con ganas de hacerlo bien. Aunque he mejorado mis marcas anteriores y he conseguido las marcas mínimas para tener la posibilidad de participar en el campeonato del mundo del año que viene, si es cierto que considero que lo debí haber hecho algo mejor.

((WN)) : What do you think you need to improve to possibly compete at the 2016 Rio Paralympics and get a medal? ((es))Spanish language: ?¿Qué cree que necesita mejorar para poder competir en los Juegos Paralímpicos de Rio en 2016 y ganar una medalla?

Paulo Fontán: Basically I would need to be able to train more constantly, obtain financial resources to participate in international events, and have a bit of luck on the day of the competition. ((es))Spanish language: ?Fundamentalmente necesitaría poder entrenar con más constancia, conseguir recursos económicos para poder participar en competiciones internacionales y despues tener algo de suerte el día de la competición.

((WN)) : What are the biggest challenges you face on the road to the Rio Games? Money? Good competition? The support network to travel and compete at the highest level? Disability access at training venues? ((es))Spanish language: ?¿Cuáles son los mayores desafíos a los que se enfrenta en el camino a los Juegos de Rio? ¿Presupuesto? ¿Buenos rivales para aumentar su nivel? ¿Una red de apoyo para viajar y competir al máximo nivel? ¿Acceso para discapacitados en lugares de entrenamiento?

Paulo Fontán: All that are included in the questions. In order to train effectively, you need adequate facilities, and that’s not the norm here. And to increase my level, I would need to compete against good rivals, basically at international events. For that, I require money and support, something that’s not too available. ((es))Spanish language: ?Pues todos los que aparecen en las preguntas. Para entrenar con garantías hace falta contar con instalaciones adecuadas, y no es lo habitual. Y para mejorar mi nivel necesitaría competir con buenos rivales (basicamente en competiciones internacionales) y para ello hace falta dinero y apoyos, algo que escasea.

((WN)) : Why did you chose to compete in shooting? Why not compete in another sport? ((es))Spanish language: ?¿Por qué eligió competir en tiro? ¿Por qué no otro deporte?

Paulo Fontán: I first tried other sports but finally focused on shooting because it fits my capabilities better, I’m not bad at it, and there is a very agreeable atmosphere at the competitions. ((es))Spanish language: ?Probé primero otros deportes pero finalmente me he centrado en el tiro porque se ajusta mejor a mis capacidades, no se me da mal y he respirado un ambiente muy agradable en las competiciones.

((WN)) : Who are your role models in shooting? Are there any shooters you particularly admire? ((es))Spanish language: ?¿Quién es su modelo a seguir en tiro? ¿Existen tiradores/as a los que particularmente admire?

Paulo Fontán: I must thank the support Juan Saavedra has given me since I started, and which he keeps giving me when I need it. I would like to mention Marciano Vázquez, the Spanish national team coach, too for his advice and trust in me when he called me up for the European Championship: I hope to return his trust with some future triumph. ((es))Spanish language: ?Tengo que agradecer el apoyo que siempre me ha brindado Juan Saavedra desde que empecé, y que me sigue brindando cuando lo necesito. Citar también a Marciano Vázquez, seleccionador nacional de Tiro Olímpico, por sus consejos y por su confianza en mi persona a la hora de convocarme para el cto de Europa; espero poder devolverle la confianza con algún éxito futuro.

((WN)) : What is the sport shooting culture like in Spain? Are people generally supportive when you tell them what sport you compete in? ((es))Spanish language: ?¿Cómo es recibido este deporte culturalmente en España? ¿La gente le apoya cuando dice que es tirador?

Paulo Fontán: I don’t think it’s very well known, and there could be some rejection because of the “pegar tiros” part, but that’s out of ignorance since it is mainly a mental sport, a sport requiring focus. ((es))Spanish language: ?Creo que no es muy conocido y quizá pueda haber cierto rechazo por eso de “pegar tiros” pero es fruto del desconocimiento ya que fundamentaolmente es un deporte mental, de concentración.

((WN)) : Do you think the classification system in shooting is fair? Do you think it should be changed? ((es))Spanish language: ?¿Piensa que el sistema de clasificación en tiro es justo? ¿Piensa que se debería cambiar?

Paulo Fontán: I’ve only been doing this for three years and haven’t had time to analyze it deeply so as to have an opinion about it. ((es))Spanish language: ?Llevo sólo tres años y no he tenido tiempo de analizarlo en profundidad como para tener una opinión al respecto.

((WN)) : Would you recommend the sport to other people with disabilities? What are reasons they should or should not take up the sport? ((es))Spanish language: ?¿Recomendaría este deporte a otras personas con discapacidad? ¿Cuáles son las razones por las que deberían -o no deberían- practicar este deporte?

Paulo Fontán: Yes, I would recommend it, and I would because it is a sport which can be practiced by a wide array of different disabilities, and for a long time. The biggest problem is the high initial investment, the lack of adequate facilities or the cost of travelling to competitions since there are not many places that allow people with disabilities to participate. ((es))Spanish language: ?Si lo recomendaría, y lo recomiendo porque es un deporte que se pude practicas por una gran diversidad de discapacidades diferentes, y durante mucho tiempo. El mayor problema es la elevada inversión inical, la ausencia de infraestructuras adecuadas o el coste de los desplazamientos a las competiciones (ya que no hay muchas en las que permitan participar a personas con discapacidad).
Retrieved from “https://en.wikinews.org/w/index.php?title=Wikinews_interviews_Spanish_shooter_Paulo_Fontán&oldid=4635206”

Date announced for by-election to replace former New Zealand PM Clark
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Date announced for by-election to replace former New Zealand PM Clark

Monday, April 20, 2009

The government has announced 13 June as the date for the upcoming Mount Albert by-election.

The by-election has been caused by former Prime Minister Helen Clark‘s departure to head the United Nations Development Program. While it is considered to be a safe Labour seat, the by-election is expected to be heavily contested.

Candidates must be nominated by 19 May.

Nominations for the Labour Party close on Wednesday. So far four candidates have put their names forward: Auckland city councillor Glenda Fryer, former candidate Hamish McCracken, University of Auckland political studies lecturer Meg Bates and employment lawyer Helen White. List MP Phil Twyford, widely expected to succeed Ms Clark, has not put his name forward.

The National Party has narrowed its possible candidates down to two: list MP Melissa Lee or unsuccessful 2008 candidate Ravi Musuku. The decision will be made at a party meeting on 4 May.

The Greens and ACT New Zealand will both contest the by-election, but have yet to select candidates.

Retrieved from “https://en.wikinews.org/w/index.php?title=Date_announced_for_by-election_to_replace_former_New_Zealand_PM_Clark&oldid=811727”

Young Mom Cant Work Income Insurance Brings Single Mothers Help}

Young Mom Cant Work Income Insurance Brings Single Mothers Help

by

DIUpdate

Income insurance is often the last type of coverage on anybodys mind. This is even more so true for single working moms who have a world of concerns to address every day. Career moms, however, can have a real problem if they suddenly cant work due to illness or injury. When the paycheck stops, life can change very quickly.

Dr. Carrie Birdwell is a single mom and practicing obstetrician with a thriving practice. Her 9 year old daughter attends a local grade school and plays soccer in the local league. Dr. Birdwell was sidelined with pancreatitis last year and was unable to work for over five months, during which her practice was closed.

I still dont know how I got pancreatitis. says Dr. Birdwell. It almost exclusively occurs in people who drink heavily and I dont drink at all!

The severity of the illness kept Dr. Birdwell off her feet for months, during which she had to send patients to other doctors. I had no income from the practice literally zero. Luckily, my income insurance kicked in after 60 days and I started receiving checks from the policy.

[youtube]http://www.youtube.com/watch?v=EP4cZebIEBY[/youtube]

Dr. Birdwell carried short-term and long-term income insurance (also called disability insurance). Her policy paid $6,000 per month. What a Godsend. I was having to dip into savings for everything from groceries to my daughters dance classes and to hire a car to take me back and forth to the doctor each week.

Statistics show that 1 in 3 American workers will miss work for at least 90 consecutive days due to illness or injury. 1 in 5 will be out for over a year. Without income insurance, all expenses, including the monthly mortgage, come directly out of savings.

A recent study revealed that nearly half of all foreclosures are the direct result of the owner not being physically or mentally able to work. Once the savings are gone, the house is next, and from there financial ruin.

Income insurance can be the fallback position that gets you through a tough time. Individual policies, on average, cover up to 60% of your income and potentially more. Coverage can be written to provide benefits to business owners until their regular income returns to normal, not just until they are able to return to work. Numerous other options are available depending on your occupation.

My short term policy paid for the first 6 months while I wasnt even able to work. My long-term policy kicked in after that and paid for another 6 months until the practice was up and going again and my take home pay got back on track, comments Dr. Birdwell.

Supplemental income insurance can plug the many holes commonly found in employer-sponsored group coverage. Such coverage usually protects up to 60% of your income, however, benefits are taxed as regular wages, lowering your take home to roughly 42%. Group policies are also riddled with exceptions and exclusions that limit benefits and even exclude certain conditions.

Supplemental coverage can affordably fill in the gaps of a group policy and literally extend coverage up to 100% of regular income. In addition, benefits from a supplemental policy are not taxable because you, not your employer, pay the small premium.

Income insurance was an afterthought, to tell you the truth. I was more concerned about life insurance. But, in the end, the income insurance is what kept us from having problems, Dr. Birdwell emphasizes.

A young mom needs all the help she can get, especially single working moms. Being a single mom means your paycheck is how the bills get paid. Losing that paycheck during an illness or injury can be catastrophic. An affordable income insurance policy can provide cash flow when you cant work, and deliver single mothers help when they need it most.

Please visit us at http://www.disability-insurance-update.com/ with any questions or to find further information regarding the protection of your income.

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Young Mom Cant Work Income Insurance Brings Single Mothers Help}

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