Difference Between Term and Whole Life Insurance
I want to educate here not take one side or the other.There is a place for both types of life insurance; but, each has differences.Life insurance is basically life insurance when one considers the use.Life insurance is used to provide discounted dollars for an emergency death situation. In other words, you are not going to spend dollars to bury someone or pay off a mortgage due to death from personal savings or worse yet, cash flow. You are trying to use dollars that did not cost you 100% on the dollar to buy.Depending upon a variety of circumstances, to many to elucidate here, both term and whole life may work.However, there are many different forms or variations of life insurance policies.With whole life insurance, sometimes called cash value life insurance, you normally get back some of the money you spent buying the policy in the first place….i.e. “cash value” so of the cash you spent to buy the insurance is given back to you at a certain point if you don’t die and/or you can borrow the cash that has accumulated in the policy fund for whatever reasons you want. With term insurance you do not and you cannot.With term insurance you do not get back any of the premiums you paid for the insurance and consequently you have no fund to borrow fund in the policy.With both whole life and term insurance you can choose the face amount of the policy. In other words will you buy $10,000 or $100,000 of coverage or some other amount? This is usually based upon the perceived need of the policy owner.Normally, whole life is more flexible in changing amounts of a single policy but some firms offer term contracts that achieve a similar result.Many years ago the phrase “Buy term and invest the difference” was all the rage. The concept is a valid one, the concept of buying term insurance, which will almost always carry a much less expensive premium than whole life, and then taking the difference between what the whole life would have cost and “investing” it in something makes sense; many do it.The practical functional problem is “…investing in what?”Technically an “investment” is something that produces and income. Well, for the common man, such as myself, thinking of investing as to create an income would require more dollars than could be derived for the “buy term and invest the difference” idea. But for some that works.Saving money, getting the greatest value for the dollar spent many times will make the purchase of cash value, whole life insurance a better option.One’s cash flow situation, one’s budget situation and other realities will dictate many times to the wisdom of a term life or a whole life purchase.Many writers on the subject use the analogy of the difference between term and whole life from an economical perspective to be similar to the difference between owning your home and renting one.With ownership there is normally equity, now these days this analogy breaks down a bit due to the crazed economic times, I trust that you get the idea however. With renting you are not going to see a return of rent monies, but you are renting, making available a roof over you head. That is like term insurance, depending on some factors you can get a lot more term life insurance for less when compared to whole life.However with term insurance you are only buying coverage to be used upon death. If the death does not happen during the contracted length of the policy, and there are many lengths to choose from, the policy is done, all premiums have been paid; but there is nothing to show for it.Not the case for whole life, when the term is done, and most whole life policies cover most of your life, there is a return of some premiums. And the premium return is really a low interest return to you of premiums invested by the life insurance company; however, most of the time it will cover all premiums paid.Well, both term and whole life have their place. If I may, it might be better to not consider an “investment” approach when buying life insurance from a family perspective. Life insurance is to protect the earning power and financial stability of people and families it is not a get rich wealth creation took per se.It is easier to keep life insurance simple in the beginning, cover the basics with either whole life or term insurance or both; and then as you move through life and you wealth picks up think about “investing.”Life insurance is life insurance…if you’ve ever given a death benefit check to a grieving widow or widower, believe me they are not thinking about “investing” in anything….they need money just to keep going.
Gambling Addiction – Wake Up to the Reality of a Gambling Addiction!
Gambling addiction is becoming more and more prevalent. For some of us it is an escape from life’s problems and from our own feelings of anxiety and depression.
However, what you may not realise is that this is all an illusion. There is no real escape. The feelings or unsolved problems do not go away, they will still be there waiting to be dealt with at the end of the gambling road, when you will have even less resources to deal with them.
If you have a compulsive gambling addiction then you can still get help and recover from it. If you are spending more time gambling, maybe you need to step back and gain some awareness of what is really happening for you, before it is too late.
Ask yourself what your end purpose is, in staking everything you have ever worked for, built in your life and loved, for a fleeting win?
These are some of the illusions you may believe:
1. Are you trying to numb emotional pain that you are feeling? Your addiction just covers the pain rather than helping it disappear. In the long run, you will have even more pain to deal with.
2. Do you think that money will replace a lifetime, or buy you love or precious memories, friends or anything of real value in life? Money comes and goes but love and memories stay with you always. What memories are you carving for yourself?
3. Does gambling make you feel powerful? How long do you think that illusive power is going to last?
Gambling addiction will take away your power and enslave you. When you have exhausted all of your resources in life, you will only have yourself to face; there will be no escape. Will you like what you see? Help yourself today so that you will be happy to face yourself in the future.
4. Do you know what you are really gambling with? If you think it is just money, think again. Ultimately, you are selling your life.
5. Maybe you think you will be one of the rare winners? That is the ultimate illusion. There are no real winners in gambling. Everything comes at a price.
True winners are those who choose to take the bull by the horns and create a life they want. Why not take a gamble on yourself and turn your life around. Challenge yourself to become a true winner in life.
If you are experiencing gambling addiction do not despair, as there are always solutions. People have been where you are now and have come out the other end. You can do the same. You have a choice to make; make it a wise one
Opt to Gamble Via the Internet Or Via Your Cellular Phone Or Even Offline
Long before the introduction of land based casinos in the major cities in the world, gambling had become a popular pastime for many people; and in the modern time it continues to be a major force that drives people to spend their money for the outright thrill of testing their luck and winning. Today, gambling is one flexible field with so many facets, with lots of thrills, with lots of fun to offer to its followers all over the globe. Now people can bet on any game of chance from sports betting or casino games. These activities are for everyone interested and curious to take part in; and you can enjoy them at so many venues all over the world, so it is not hard to find a venue in your locality or near. In fact, virtually everyone can now participate in such games because a lot of gambling promoters have brought themselves too open to everyone. When gambling was brought online, it just became a phenomenon, being completely accessible to anyone online. This revolution made it possible for this activity to be enjoyed anywhere, at different venues for complete fun.
The usual place where gambling is held is at land based casinos, and they are still popular even up to this modern time when online versions are rising to popularity. With the online gambling sites having more to offer than the conventional brick and mortar venues, the latter are simply bracing themselves to survive the competition. But online sites do not intend to compete with their well established land based elders. Instead, they simply serve as an alternative should people want to enjoy games of chance and yet can’t hope to go out of their houses. Nevertheless, therein lies the sheer advantage of online sites over the land based ones, as online gambling is completely suitable for people who are starting to be gaming enthusiasts and wish to hone their skills and techniques in playing. Online gambling venues allow people to subscribe for free at first, with no need to drop in their money. This is quite good for those who are not yet adept but are eager to learn the basics and ins and outs of their favorite casino games. Nonetheless, seasoned pros can just come to their chosen brick and mortar casino for real fun and real feel and real deal.
Amazing prizes and great rewards
Gambling is not the same as it used to be. In fact, you can see how much video poker, live roulette, TV slots, and blackjack have changed as they have gone onto the internet. Long-established casino games are coming out now with more variations and exciting additional benefits which, together with the pot money, make the online version even more profitable for newbies in gambling.
Seasoned players may want to check out what’s online and they would be happy to know that the online version offers rich rewards and big prizes.
But there is another option for gambling and this one is formatted to be played on mobile phones-great for people on the go. While online playing is most suitable for those who live hundreds of miles from the nearest casino house, mobile phone betting is apt for busy professionals.
Gambling and betting have been formatted to become facile for all people and are now tailored for people of all walks of life.
Land Based Gambling Against Online Gambling
Land based gambling and online gambling are essentially the same. It’s either you win or lose, and these two possibilities should be clear because it’s not all about winning. The game principles employed in them are basically the same, since online venues have adapted the features of the real casinos. But there is a difference in terms of convenience, and herein lies the argument. Obviously, there are qualities where one wins against the other.
Which offers more convenience?
People who go to gambling sites look for convenience aside from pure thrill. People go to casinos to have fun (for instance, in playing roulette and other gambling games) and not to suffer the inconvenience. It is just reasonable that players would want to experience confidence because they are expending money when playing. But it is quite difficult to see complete convenience at brick and mortar casinos, and a lot of these casinos don’t have the same services and facilities that casinos in Las Vegas have. Casinos are also so distributed across the nation that the one nearest your place can be hundreds of miles away. This is why many people would rather go online to see what online gambling has to offer. In many instances, online players find convenience in this mode of playing because the games are quite accessible. If you have a computer and fast internet speed, then your options for online gaming are endless.
Rich Experience and Thrill
The greatest advantage of land based casinos is not their accessibility but their realness, as there is no other way of telling this straight. No amount of computer generated simulation can fully imitate the realness of true casinos. When you are inside the real venue, you could be greeted by the sheer enthusiasm of the place that seems contagious. It changes your mood right away and gives you that sort of wonderful feeling. Moreover, you get to touch everything-the cards, roulette table, and buttons-and you get to see your opponents face to face-you can even shake hands with them. You can play slots and poker online but online casinos will never be able to duplicate the sheer experience in land based venues.
Security and Confidentiality
In both land based gambling and online gambling, there is an issue regarding safety and security. If you are unlucky, you can stumble upon a crazy gambling website with an unreliable banking option. Online casino sites can also be subject to network problems that can disrupt your playing or render your data vulnerable to hackers (in case when their firewall isn’t that good enough). In land based casinos, the real threat is the presence of notorious gamblers who display odd behavior.
Winning Likelihood
Online casinos should have a third party software to make certain of its even-handedness. It determines the trustworthiness of an online gambling site. Reputed sites give you the same chances of winning that you experience in land based gambling.
Customer Support Service
Customer support varies among different online casino sites. Some online casinos offer fine customer support, while others don’t even have reliable services. Customer relations are imperative for both online gambling and land based gambling venues.
Paton Marketing: Quality Solutions for Effective Internet Marketing
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Miami Marketing Agency uses expert knowledge in a range of marketing services to help bring our clients’ websites to unprecedented levels of success. Through effective online marketing strategies and our expert SEO services, we can help turn your website in to your business’ most powerful lead generator. Google, like many other search engine ranks pages based on certain criteria. To start with, the quality of your site matters a lot.
We also specialize in Web Development and Web Design. Paton Marketing provides our clients with a strategically-developed premium custom website. A great website will go a long way in getting your business noticed online. It also delivers a high-quality user experience. We keep your website up to date regularly.
Internet marketing is much more than site creation. It requires precise marketing techniques and tools across the board. Without our professional assistance, your website will simply fail to generate essential web traffic. Web marketing also entails weekly progress reports. This includes web traffic, along with the number of hits your site secures on a weekly basis.
Miami Marketing Agency also specializes in Reputation Management. Reputation Management is one of most important factor in web marketing. Negative content can terribly affect your business. Paton Marketing Reputation Management strategies can protect your online reputation by suppressing negative content on the search results. We create positive and multiple micro-sites ensuring that the negative links are pushed further out of search results.
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Scholars who are offering computer science courses are required to prepare or write computer science papers as the assignments assigned to them by their professors of instructors. In every University offering computer science courses, students are required to undertake coursework assignments after every one or two weeks. These assignments are mostly in the form of short computer projects that require detail writings. Furthermore, the assignments are of diversified categories such as computer science term papers, computer science essay, computer science dissertation essay, and computer science research paper among others. Developing computer science papers is not an easy task since it requires abundant time to complete writing the papers.
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Students pursuing computer science courses write computer science papers during and at the end of the semester. Students experience problems when writing computer science papers and this affects their grades. Some students do not have the skills and knowledge needed to write such assignments. Others have no time to complete the homework. This has compelled students to submit low quality computer science papers. As a result, students buy computer science papers from writing organizations. Many organizations around the globe offer help to students.
Most organizations helping students in their academic do not offer legitimate help, and this has affected student achievement. Students do not have the capability to differentiate genuine companies from those not genuine. Thus, they buy computer science papers from any company.
Students should consider various things when purchasing computer science paper including quality, deadline and plagiarism. Students should get assistance from companies that have the following attributes.
First, students should buy computer science papers from companies that have specialist writers.
Different companies hire different writers, and this determines the quality of services they offer to students. Some companies hire poor writers and others experienced and expert writers.
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Instead, the companies employ writers with general degree and knowledge. The writers offer low quality services to students as they lack the skills and knowledge. The writers should have masters, doctorate and undergraduate qualifications. This will enable students to get pleasant work. The writers will also serve students from diverse academic levels. Some companies employ college writers with no knowledge and experience in writing masters, doctorate and undergraduate computer science papers.
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