Let’s face it, not everyone needs life insurance. Determining whether you really need it is the first step towards making the right decisions regarding the types and amounts of coverage to choose. And, to be blunt, life insurance is really meant for your family and loved ones, or anyone else who relies on your income. That being said, the type of insurance that you need the most just happens to be the least expensive.Reasons You Buy Life InsuranceLife insurance was originally created so that, if you die, your loved ones could continue to live the same kind of lifestyle that they currently have. That being said, life insurance is simply a means of replacing your income if you die. Period. That is all it is really meant to do. If you don’t have anyone who depends on you to provide for them, or you don’t have earnings, you don’t have nearly the same need for protection as someone who is working and might be supporting a young family for example. The need may still be there due to other financial obligations, but again, it is not necessarily so great.Two Flavors To Choose FromOnce you have decided that you need coverage, you have to select the type that best suits your needs. Life insurance comes in two basic forms: term and permanent (also called “whole life”). The overwhelming majority of cases that I write consist of term coverage as it is the type of protection that fits most people’s needs.Keep It Super SimpleTerm life insurance is insurance against the risk of your dying during the term of the policy. As a policy holder, you pay your premiums regualrly and if you die during the time frame, or “term”, that your insurance is in force, your beneficiaries will receive a payout equal to the face amount of insurance you bought. The ‘term’ is the length of time the policy is guaranteed to remain in force at the premium you have been approved for. Policies are typically issued for 10, 20, or 30 year terms. At the end of the guaranteed term period you can renew your policy, let it lapse, or buy another policy. The major benefit of term insurance is that it’s very inexpensive in most cases and is very simple to understand.Permanent, or cash-value insuranceThe other choice is cash-value insurance. People are initially attracted to cash-value insurance because it can allow them to save a small amount of their premium and can ultimately be “paid up,” which means the insurance will have enough cash value that the policy will remain in force without further premium payments. The theory behind this type is that, if you pay for life insurance for 20, 30, or 40 years, you might as well get some of your money back.Sounds good, right? The problem is that cash-value insurance usually isn’t a very good investment, even if you hold the policy for many years due to the higher fees associated with it and the relatively low rates of return you will earn. It’s and even worse option if you only keep the policy for a few years and have to drop it due to job loss or some other financial hardship. These policies build value very slowly and it takes years to amount to much.While permanent policies do have their place in financial planning on rare occasions, they do not suit the needs of most people. If your financial planner is recommending you to take this type of coverage I suggest that your financial planner not be the same person from whom you are buying the insurance.The Bottom LineThe bottom line is that you need to simplify your financial plan as much as possible, and cash-value insurance is complex and is not properly suited for the needs of the vast majority of people. Instead, opt for an affordable term life insurance policy and use the money that you would’ve otherwise spent on he high premiums of a cash-value policy to invest in an option that’s tax favored. Investment accounts such as your employer’s 401(k), or an IRA are good options to consider.Hopefully you consider my advice when it comes to shopping for your life insurance, and you will consider a term life policy. Be sure to verify with your agent that the policy cannot be canceled as long as you are current on your premiums. Also, only choose policy that is guaranteed renewable. You have no way of knowing what your health will be like at the end of your term and it is comforting to know that you can keep the policy should you need to, without having to under go a medical exam.
Why Your Business Needs Digital Marketing Services
Modern world screams technology from every angle, people are well occupied with their busy and demanding schedules, and don’t have time to look out for different brands, products and upcoming projects through the means of offline marketing, such as: paper-based newspapers, books, communication methods and traditional TV and radio broadcasts. In the current scenario internet and mobile phones are the most picked method to share any information, so when the term Digital Marketing is discussed, customers can access the information any time and any place as per their convenience. Internet and globalization have shrunk the world to an axis point, where people from all over the globe can access the information via computers, tablets or mobiles. Digital marketing is indeed a blessing for the business owners, where they can influence the image of their companies via digital marketing and can reach up to a larger chunk of customers globally.You Should Do Digital MarketingIn the era of technology, where Smartphone rules our life, we feel bound to access the product details online only through, mobiles, computers or tablets. A business turns does not mean the huge traffic on the product website, but that traffic converting to leads or boosting the sales. Online Marketing, is a tool which works on your customer’s psychology with the attractive content, ads followed by various other marketing tactics, Digital Marketing tools and techniques provide business owners the best chances for competition, survival and even for the business boost.Asking Price The first and the foremost reason to opt for digital marketing is, but obviously the cost-factor, which is quite economical, being compared to traditional offline marketing methods. To illustrate the fact a TV ad or newspaper advertisement can cost huge and with no guarantee of being noticed by everybody, on the contrary an email or social media campaign, can reach out to a mass population globally. Reliable Customer’s FeedbackAnother benefit, which really suits the need of the business, is the real-time and reliable customer feedback and reviews to upgrade the services with time. With digital marketing pattern business owners don’t need to spend excessively on surveys and customers’ feedback, but the unbiased information can be attained through internet marketing and ultimately win the customer’s trust. The better revenue growth expectancy of either small or medium enterprises can extend to 4 times much better by using digital marketing techniques, since it lets the product available to go larger and farther reaching markets both locally and abroad.Brand RecognitionOnline Marketing proves beneficial for the brand reputation, with satisfied customers and their real-time feedback, business owners can reach to other potential set of customers. This helps the business owners to make the brand reputation go viral as expected, further opening new doors of opportunities for reaching bigger markets and attain business growth.Conversion OptimizationSince the current era is turning more digital, than people do have the access over their gadgets at every time and business owners can remain available with their product, regardless of their time-zone restrictions and ultimately a larger reach to the consumers would lead to conversion, because the consumer would get what they are looking for a per their convenience. Without conversion, all the traffic would mean nothing and all the other marketing efforts would end in despair. This is the sole reason, why business owners put more efforts towards the digital marketing campaigns.Key Digital Marketing ToolsDigital Marketing can be done in various ways, below mentioned are a few of the major keys, although with the upcoming innovative technology methods, more would be added to this list.
Websites and SEO content
Blogs
Internet banner ads
Online video content
Pay-per-click (PPC) advertising
Email marketing
Social media marketing (Facebook, Twitter, LinkedIn, etc.)
Mobile marketing (SMS, MMS, etc.)
When a customer walks into a shop, the first step he/she follows is to inspect the product and then might leave without buying anything. Undeniably a larger number only come and go and very small groups make a buy. Even if the product website receives tons of website visitors daily or weekly, but none of them ever convert, then it’s alarming, because it leads to clear indication that the business will also cease to exist. Digital Marketing helps the business owners to utilize the tried and tested marketing tactics, which not just attract the superfluous traffic, but highly potential target traffic and would ensure the survival of the business.
Five Greatest Myths About Food, Health And Fitness Busted
There have been countless suggestions and theories regarding health and fitness over the centuries. In fact health and fitness is the only topic where so many contradictions exist at the same time. Every few years, a new diet system or exercise regime is introduced to the world and it quickly becomes the fad only to be thwarted by experts after sometime. But during their short-lived glory these fitness fads give birth to lots of false beliefs and information. This article will try to clear up some of the confusions and myths so that people around the globe can develop healthy eating and living habits and stop repeating ineffective or dangerous fitness routines.1) Packaged Fruit Juices Are Good For HealthWhen bottled or packaged fruit juices were first introduced to the commercial market, people immediately became big fans of these beverages. Eating fruit is a healthy habit but people become impatient very quickly when they have to buy, wash, peel and juice each fruit before getting the nutrients inside their body. The bottled juice was the perfect solution for them. Now-a-days, people believe that gulping down a bottle of Real Grape juice is the quickest and best way to make up for their otherwise unhealthy lifestyles. Unfortunately, this is not entirely true. Yes, there is no harm in drinking these juices but there are hardly any benefits either.The manufacturers extract a large volume of juice from the fruits and store them in tanks. This stored juice is then packed and sold throughout the year. This is the reason you can easily find orange juice during summer and Pineapple juice during fall. All the Oxygen from the stored juice is taken out to keep it fresh for months. But as the Oxygen is sucked out, almost all nutrients, vitamins and minerals of the juice are lost as well. So next time you feel like grabbing a bottle of juice, buy some fresh fruits instead. That will give you a lot more benefits at a fraction of the cost.2) Crash Diet Is Great For Losing Weight QuicklyNo matter how much the fitness experts try to preach otherwise, there are still a lot of people who believe that the best way to shed off extra pounds is to go on random diets. Yes these crash diets can help in shorter term but cause much more damage to the digestive system and the body in the longer run. When people eat very less for a month or two, they lose some weight pretty quickly but their body becomes increasingly weak from the lack of electrolytes, vitamins and other nutrients. A month or so in the crash diet, most people often feel tired, dizzy and weak.A greater danger of crash diet is weight gain instead of weight loss. Our body has several defense mechanisms that trigger under different circumstances. When you are eating very less each day, your body can mistake it for famine. It then stores almost all the calorie from the ingested food and spends very less for daily activities. Once this cycle sets in, you will be gaining weight instead of losing. A well planned diet with lots of vegetables and fruits is still the best way to lose fat.3) Certain Fruits Can Give You A Cold If Ingested At NightSome people believe that certain fruits are cold in nature and they can give a person cold or flu if eaten during night. Banana, Sweet Lime, Pineapple and Apple are considered the main culprits behind this phenomena. This theory, however, is absolutely wrong. Cold and flu are caused by viruses and the viruses can spread from anywhere. Coldness of these fruits have nothing do with you catching cold. So next time you feel like grabbing an apple after dinner, do so happily.4) Gluten Free Foods Give More EnergyYes, they do. But only to the people who are Gluten intolerant or suffering from Celiac disease. These people can feel fatigued, tired and sick after eating food that contains Gluten. Once they start ingesting Gluten free food, they feel more energetic and vivacious in all aspects of life. The best example of this phenomenon is tennis star Novac Djokovic. After he started his Gluten free diet, his game improved manifolds and today he is one of the top four tennis players of the world.But for regular people, Gluten free food offers no incentives at all. They might feel more energy after eating Gluten free food but the reason for that is more mental than physical. Also these special diets cost much more than regular food. So before you go munch on Gluten free food, get yourself checked for Gluten intolerance. If you are not Gluten intolerant, stick to your regular diet.5) You Can Eat As Much As You Want As Long As You Exercise RegularlyThis is true to a very small extent. If you are eating a cheese sandwich and expecting your workouts will cancel out the extra calories, it probably would. But if you are ingesting too much carbohydrate and fat, then your exercise routine may not be enough to shed off the calories unless you exercise like professional athletes. Getting calorie inside the body is much easier than driving it off. So do not set any wrong expectations.I sincerely hope that these tips will help bust some long-lasting myths about food and diets. There are tons more that can be written on this topic but that is for another article.