Monthly Archives: January 2020

Archive of posts published in the specified Month


Variable Universal Life Insurance

Are you looking for a life insurance policy that is permanent but with flexible premiums and options? If you are searching for this type of policy, then variable universal life insurance might just be the right policy for you.

A variable life insurance policy combines features of universal life insurance with several investment options, so you will be able to claim a larger amount for a death settlement than what you can receive from an ordinary policy. This is called variable universal life insurance, because the premiums and investments in this type of policy are not fixed. These are variables because both depend on the present market conditions.

Getting a variable life insurance policy has advantages over other types of policies. If you compare this to universal life insurance, you will be able to see that on the latter, you cannot control your invested cash value. But if you combine universal and variable, you can switch these investments if you want to get a higher life insurance settlement. You can do this two or three times a year.

Another advantage of having a variable universal life insurance policy is that you can have a tax shelter. This means that the money you make through investments is tax-free. This amount will only be taxed when you cash in the policy.

Even with these advantages at hand, you must keep in mind that variable universal life insurance is not for everyone. So the best thing for you to do is to consult an insurance agent and have the policy pros and cons explains to you. You must be able to understand not only the advantages of this type but the drawbacks as well.…


The Cheapest Life Insurance is Term Life Insurance

The cheapest type of life insurance is what is known as term life insurance. This is by far the most inexpensive way of getting insured. It is not easy for anyone to just come forward and purchase an insurance policy to cover your love ones and family. To some people this can be difficult. But knowing what are the types and cheapest amongst the many types and forms of insuring yourself go a long way in helping you choose. The other popular type is whole of life insurance. But be always reminded that the life insurance companies should be put into consideration when you are in the market for insurance.

Understanding term life and the benefits and advantages of this type of insuring yourself can give you a better and informed decision. For instance, you are just starting out as a new family and need some security and protection. It is best to buy term life until your situation will change. Since it can be purchased in large amounts for a relatively cheaper initial premium, it is well suited temporary protection and security. It is as well suited for your short range goals like insurance coverage during the years of returning your children.

Some life insurance companies offer this type of insuring yourself with level premiums from 5 to 30 year periods. These policies can be renewed and or continued at higher premiums in most states to age 85 or 95 as stated in the policy. The affordability of these policies together with long years of cover makes it a good buy. You can always invest the difference if you are thinking of a whole life insurance which has an investment component attached to it.

One of the most difficult parts when you are to insure yourself is analyzing your needs. It is very important to have enough coverage to handle any financial difficulties that may affect your love ones in the event of your death. But determining how much coverage is necessary can sometimes be complicated. The rule of thumb is to purchase a policy that will cover 5 to 10 times your current annual salary. The best way to make an analysis is to make a list of all your mortgage loans and debts, university expenses, and projected future family income. You may also include how you can meet the require estate tax liabilities.

Meeting your mortgage debt needs are worthwhile to consider since you have to ensure that you enough cover to your mortgage loan. As well as your children college expenses are vital in your determination of coverage. The amount you may need should be calculated by matching their ages against the projected university expenses and should be adjusted for inflation. Calculating for the projected continuing family income should be carefully analyzed. You can do this by calculating all your assets, your retirement plan benefits, your health, your age, and how your love ones earning power.

In a term life insurance, you may not have the …


Put Yourself Out of Business?

At QSR magazine's Dine America conference last month, Steve Sheetz of Sheetz
Convenience Stores took attendees through their process of "putting themselves out of
business "- not in the typical fashion many companies do, but rather by asking customers
and employees to provide suggestions and input on building the Sheetz of the future that
will put their current stores out of business. How many businesses would take that bold a

The result? The Sheetz Convenience Restaurant — no longer a gas station that sells food,
it's now a Convenience Restaurant that also sells gasoline. Worried? You should be.
Open-theater food preparation, bulk candy dispensers, made-to-order sandwiches, and
self-service order kiosks, even in the drive-through (no speakers here), all add up to a
convenience store selling more "restaurant" food per location than many of the leading
quick-serve chains.

A self-service kiosk to place orders in a drive-through? "We can not do that!" Sometimes what
you know and do holds you back from what could be done. The old saying,
"Incrementalism is the worst form of change" rings true, certainly in the case of Sheetz,
and likely for your business. Get out there and be different, better, and make people say
"wow." Today's customer demands it.

How? Ask! Sheetz did and now does TRIPLE the volume per location as what their
competitors do. Employees and customers know your business and what they would like it
to become. Seek input and make decisions. Tweaking the concept does not always maximize the impact you can have on the top and bottom lines.

Employees and customers want to be bonded to your brand. What better way to do that
than by asking their input in order to put yourself out of business — and build your
business of the future? …


Dental Insurance Coverage Varies From Company To Company

Not all dental insurance coverage plans are created equally. They vary from the type of coverage to the deductible. Because everyone needs insurance, you can choose what type of coverage you need and how much of a deductible you want as well as if you want one with a co-payment. You can also choose a coverage that allows you to see any dentist or one that has a list to choose a covered dentist from for coverage. In some cases, if you do not use the recommended dentist from the list, your coverage is lower, than if you use a dentist they prefer.

Using A Dentist On The List

Some things to know about prefer providers and non-preferred providers. If you use a preferred dentist, your coverage is higher and normally the coverage is up to eighty percent and in some cases depending on your coverage plan, all costs are covered with a small co-payment. The dentist simply sends all bills to the insurance company and all is paid providing you have paid your co-payment and deductible.

The Type Of Coverage You Receive

Below are a few things you receive coverage for with dental insurance coverage:

o Cleanings

o X-rays- usually once a year

o Oral examinations

o Fillings

o Root Canals

o Tooth extraction

o Capping of teeth

You should visit a dentist twice annually as recommended by the American Dental Association. This will be for examinations, cleansings and overall dental care. Once a year the dentist will do x-rays, and this is usually good for the year. If you have problems outside the two visits, whether for a root canal or a tooth extraction, this will be covered as well.

Dental insurance coverage may in some policies, cover orthodontic treatments with a higher co-payment and out of pocket expenses. This all depends on the type of coverage you have and if you include this in your policy. Because all dental insurance coverage plans vary, you need to check around and see what coverage fits your needs. Whether you need individual plans or family plans will also depend on the type of coverage plan you select. Everyone needs to have dental insurance coverage and this is why insurance companies have many different plans to fit everyone's needs. Do a little comparison-shopping before deciding on the right coverage for you or your family. …


5 Ways to Make Money Online That Won’t Screw You

It’s a cool thing to make extra money online out of doing stuff you love to do, but with a lot of shady sites (like e-books, coaching and infobiz sites) proliferating out there, how do you avoid getting scammed?

Well, the web is full of legitimate sites and ideas that are just waiting for you to take notice, and if you do, you might find out that it’s the real break that you have been waiting for. For beginners, there are several crowdsourcing sites to start with. These sites deal with all sorts of stuff that one can make money out of, such as writing, web designing, just about anything! Yes, even stuff that you might call crazy can actually be a source of money. Just make sure that you’re on the right site that actually pays you money for a work done online.

Listed below are some sites of such sites worth your time if you are keen on earning that extra buck:

1. PickyDomains

Are you good at giving things a real cool name? If you are, this site is for you. Come to think of it, you really don’t have to do anything but submit even the funniest term that you can ever come up with. Who knows? Someone from the other side of this planet may come to like that funny name that you invented, and if that is the case, it means you just earned extra money which may range from $25 to $40. While that amount won’t make you rich, it’s not as if you really worked hard enough to earn it. You just made it out of having fun.

2. Microworkers

Did you ever know that the time you spend in social networking sites such as Facebook, Twitter, and YouTube can be a source of extra income? All you have to do is to register at MicroWorkers, where they get to assign you a microjob. A typical example of a microjob is befriending a Facebook account, upvoting a video or picture, and following someone on Twitter. They typically pay 10 cents for each microjob which is not a large sum to speak of, but why not enjoy being logged on to your account while earning those extra amount?

3. oDesk

This site is one among the popular freelancing sites. Here all you have to do is to show off your skills, and a client that needs it will take notice. You can start as a contractor, wherein you offer your services to clients. If you like, you can be an agency, in which case you offer the services of contractors under you to clients. You make a profit out of hiring specific contractors for specific clients. oDesk deals with all sorts of online work that you can ever think of, such as writing, web design, programming, logo making, and many others. You don’t even have to show off a degree to get to work. All you need are relevant skills and you can …


Home Business – Making Money Off The Internet

Are you tired of waking up early each morning, hurrying with your coffee and breakfast, and driving off to your office? Have you been thinking of quitting your job and leave your noisy and mean boss but you can’t because there is no other place you can run to and get yourself another job that will pay you a decent living? Were you always caught dreaming because you have been fantasizing the day when you have to live your own time without anyone manning it except you? Now, why not start doing it? With online home-based business, aside from having your time all on your own you can make money off the internet.

It has been a while since home business has started to take a splash across the internet world whereby all kinds of individuals were given a chance to work anytime of the day in the comfort of their homes. This has been a big break to those people who have found themselves burnt-out already with their 9-5 day job, with no freedom at all to do what they want to do in these hours. Home business is also a welcoming relief to moms and those people who do not have the privilege to work elsewhere because they are tied to their commitments manning their household. Home business is exactly the kind that will let them perform their commitments while earning money off the internet while they are home.

What’s best about home-based internet business is that you don’t have to work all of the long 8 hours typically needed in a corporate or in an office world. A minimum of 2 hours a day, you are done! If you want more, you can stretch it to 5 hours, and results are going to be more prolific than what your day job could pay you. Of course, this is without saying, home business has the most flexible time to offer you. You choose your own time to do the internet work; there is never any restriction in regards to this matter.

You can do the internet job early in the morning, so you will have the rest of the day all yours and do your own stuff with the remaining hours of the day and night. If you prefer it otherwise, you can do it at night when everyone has retired the night so there would be no one to disturb you. With this flexibility, it is all your choice! It is not going to be hard on you because home online business is exactly the kind that allows one to work at his convenience.

Making money off the internet can be the best thing that you can do to make a living. You only have to remember to choose the most legitimate company you are going to sign-up with. While home business via internet provided golden pots to some people, not all were given the chance to be lucky. While there were legitimate companies offering genuine payoffs, …


How to Value a Domain Name OR How to Appraise a Domain Name

The worth, price or value of a domain name can scope anywhere from couple of dollars to millions of dollars. The real challenge is how to evaluate the actual price of a specific domain name or how to calculate the website worth. There are unexpected and sudden news all the time about some companies are paying thousands of dollars for a domain name which is highly relevant to their business and company name. The considerable deficiency on the argument of people that don’t think that domains play an important role on the success of websites lies on the supposition that web surfers will bookmark or subscribe to a given website right after visiting it.

There are couple of important things and true techniques for appraising a domain name, you should look at when trying to evaluate and it include:

  1. The length of the domain, the shorter the domain is, the more it will cost. Because when domain name is short, it is easy to spell, remember and descriptive or brand able. Your domain should not contain hyphens and numbers and for me it should be extension.
  2. One, two or three word domain names are much valuable than the others (Now a days, it is impossible to find a three word domain name extension). So, domains with very few words value the most.
  3. Websites that have been around for a long time in the search engines rank better, and so this increases their value. However, most sites that have been around for a long time aren’t for sale, so convincing the owner might take even more money.
  4. If we collect information from the start (August 6, 1991, first website went online) then most commonly, oldest and popular domain name had 7 or 8 characters and 2 words. Now, approx. 85% domain names extension. Remain percentage having .net, .org, .biz and specific extension related to country names. Three to seven percent contains number or dash with their domain names. So, for extension worth more than others.
  5. If the domains names that are difficult to spell, have non-alphabetic characters, are extremely long, or difficult to type in are not going to be worth more as compared easy to spell and easy to type domain names. Moreover, if you have already purchased a domain name with the extension or top-level domain (TLD), .net, .org, etc. can’t be changed once you own the domain.

What we can do to improve domain’s value?

Domain names were discover to make it easier for people to access websites, so it’s important that your domain is easily understandable.

  1. Does the domain sound good?
  2. Will people know how to spell it after hearing it?
  3. Is it easy to remember?

Any confusion that your domain causes will negatively impact how much others are willing to shell out.

Now, the most important thing is, what we can do to improve the domain value is the same as what you do to improve your website’s value right …


Comments: Health Insurance Companies – Their Abuse And Tricks, Part One


What You Should Never Do After Your Car Accident

When you are driving running errands or going to work, you can suddenly be caught in a car accident. These are inconvenient, cost money, can cause injuries, and are something that no one wants to have to deal with. While there are procedures to follow once getting into an accident, there are also things that you should never do once in an accident.

Never admit that it's your fault. For insurance purposes you can get yourself in trouble if you walk around after the accident starting to admit that it's all your fault. Even if it is, you might not want to say anything. Check if others are fine, but do not admit guilty to anyone.

Never leave the scene or run from it. Sometimes you can be scared or afraid about the consequences of an accident. While you might not want to stay, it can cause huge legal problems for you if you run off.

Do not argument or confront an angry person from the other car. You can get yourself seriously injured if someone in the other car is angry with you. Stay in your car and lock the doors if they are getting very angry.

Never assume those in the other car are fine. Sometimes people might need help. Make sure those in your car are fine then ask if the people in the other vehicle are fine.

Never bypass the usual exchange of information that you should go through when getting into an accident. Sometimes you will be pressured to just deal with it personally than involving the insurance companies. Stand your ground and get the information that you need to start filing claims and getting things fixed.

Do not answer questions that you are not comfortable answering even if a police officer is asking you. You do have the right to consult a lawyer if you are unsure about what to say or do not understand. …