If you've ever been in a car accident that was more than just a little
fender bender, or if your house or residence has ever been burglarized,
you know better than most people how important insurance agents are. If
your place gets burglarized, you almost never recover what was stolen.
The costs to replace the things that were taken can be more than you can
afford all at once, but you may need your things now. If you are in a
bad car accident that totals your car or seriously damages it, you may
not be able to get back on the road if you cannot fix your ride. These
are but a few examples of why insurance is so vital to your life.
Without it, you may never recover from an unfortunate situation that you
had no control over.
But, don't hastily purchase the first policy
you see out of fear. Research the local insurance agents in your area
and meet with them to discuss your specific policy needs. There may be
things you never considered insuring, because you didn't know that you
could. This is why meeting with a professional is the best step you can
take for protecting your future. In addition to meeting with a
professional sales policy person, you should also appraise the valuables
that you think you want covered under your policy.
If you can
give your agent an accurate estimate of what your things are worth, you
can better formulate your policy. This can also save you some stress
later on if something happens and your policy must go into effect. In
this event, having already calculated the cost of your valuables will
give you specific up-front appraisals. Getting accurate value estimates
after something has been stolen or damaged, hardly ever works out in
your favor.
If you are an elite athlete, you should also consider
taking out a policy on your health or future playing capabilities. Let's
say you are a star collegiate running back with a great chance to play
professional ball, but in your final amateur season you sustain an
injury. Even if the injury isn't career-ending, it may hurt your stock
moving forward and you could lose significant amounts of money in
potential contracts. In these cases, having a policy on your body is a
great investment.
Insurance agents will be there to help you
understand everything that you can and cannot insure, but these days you
can pretty much get a policy on anything an insurance company or
private agent is willing to take a risk on. Seriously, go and consult a
professional before you wish you had.
Monday, March 21, 2016
BEST INSURANCE:4 Pillars of Protection - Products To Consider In Your 4 Pillars of Protection Insurance Portfolio
With a wide range of insurance products available today it is
important to understand the differences and benefits to you and your
specific situation. A basic portfolio for any person but more
specifically for a self-employed person should encompass the 4 following
aspects.
Disability
By far one of the most important products for anyone, specifically self-employed people is disability insurance. We all work to handle our weekly and monthly expenses in addition to providing the "little extras" if we have anything left over. Employees of a company for the most part will have benefits provided to them however, being self-employed our livelihood depends on our ability to go to work and earn an income. In the event your ability to work is suddenly removed, disability insurance could be the key to your survival. Your income is the fuel for everything. Remove that and over time all else will fall apart.
Life Insurance
Life insurance has so many uses that it could essentially apply to everyone. However, the general consensus of life insurance is that it is suitable only for people with a family. This couldn't be further from the truth. Life insurance can be used to protect a debt over a period of time, provide for your survivors after final expenses, or give to a charity upon your death. For people who would like the idea of having a benefit as well as a savings or investment vehicle, life insurance could also be an option for you. Life insurance must be carefully evaluated to ensure that it is structured properly based on your specific situation.
Critical Illness
In my experience I have seen this product misunderstood the most. The important thing to understand about CI is that it will pay a lump sum benefit in the event you're diagnosed with a "specific" covered illness. Most CI products will protect against heart attack, cancer, and stroke however, each policy will differ between companies for other covered illnesses beyond these. Do not make the mistake like most do in thinking that this operates like disability insurance. Yes, they are both living benefits but they provide protection in varying ways.
Investments
Within financial circles it is encouraged to have a minimum of 6 months of disposable "liquid" income saved. For most people this is a tremendous feat and some people often throw their hands up in the air and forfeit the idea that they too can have investments. Life insurance can be designed in such a way that not only do you have protection but also an accumulating asset. Outside of life insurance there are many ways to protect and grow your money. The concern for most people is having a large sum of money lying around to be able to invest. If you don't have a large capital to start with always remember that it is better to start somewhere, even small if needed than to not start at all.
Disability
By far one of the most important products for anyone, specifically self-employed people is disability insurance. We all work to handle our weekly and monthly expenses in addition to providing the "little extras" if we have anything left over. Employees of a company for the most part will have benefits provided to them however, being self-employed our livelihood depends on our ability to go to work and earn an income. In the event your ability to work is suddenly removed, disability insurance could be the key to your survival. Your income is the fuel for everything. Remove that and over time all else will fall apart.
Life Insurance
Life insurance has so many uses that it could essentially apply to everyone. However, the general consensus of life insurance is that it is suitable only for people with a family. This couldn't be further from the truth. Life insurance can be used to protect a debt over a period of time, provide for your survivors after final expenses, or give to a charity upon your death. For people who would like the idea of having a benefit as well as a savings or investment vehicle, life insurance could also be an option for you. Life insurance must be carefully evaluated to ensure that it is structured properly based on your specific situation.
Critical Illness
In my experience I have seen this product misunderstood the most. The important thing to understand about CI is that it will pay a lump sum benefit in the event you're diagnosed with a "specific" covered illness. Most CI products will protect against heart attack, cancer, and stroke however, each policy will differ between companies for other covered illnesses beyond these. Do not make the mistake like most do in thinking that this operates like disability insurance. Yes, they are both living benefits but they provide protection in varying ways.
Investments
Within financial circles it is encouraged to have a minimum of 6 months of disposable "liquid" income saved. For most people this is a tremendous feat and some people often throw their hands up in the air and forfeit the idea that they too can have investments. Life insurance can be designed in such a way that not only do you have protection but also an accumulating asset. Outside of life insurance there are many ways to protect and grow your money. The concern for most people is having a large sum of money lying around to be able to invest. If you don't have a large capital to start with always remember that it is better to start somewhere, even small if needed than to not start at all.
BEST INSURANCE:Insurance for the Gum Industry? There's Coverage Every Chomp of the Way!
"I chew gum because it distracts me from eating and helps curb my appetite."
Those that think chewing gum can be used as an aid to dieting or to maintain proper food consumption, may have another thing coming to them. According to studies, the gains, made by the associated reduction of hunger, is mitigated by the resulting ingestion of less nutritious foods than non gum-chewers. Results of research in fact show that gum chewers are more prone to eat junk food, such as potato chips and candy. The junk food preference may well be the after-effects of the common gum mint flavor that causes fruit and vegetable to taste bitter.
Desperately need that stick of gum? Check out these suggestions to curb food cravings and relieve life's stress; they may just be the perfect substitute!
To reduce food cravings:
• Drink more water
• Exercise
• Don't skip breakfast
• Eat wholesome, protein-rich small meals, frequently, instead of three large daily meals
• Satisfy yourself with tea
To relieve life's stress:
• Eat wholesome foods and don't skip breakfast
• Enjoy a hot glass of chamomile or green tea
• Take a brisk walk
• Exercise
• Refresh yourself with a drink of water
• Catch a brief catnap
• Use relaxing breathing techniques
Who created gum in the first place?
Incredible as it seems, the concept of gum dates back at least to the time of the Greek Empire when people would chew on resin from the mastic tree, named specifically because of the chomping that it provided for humans. Back then, the activity served dually as a tooth-cleaning exercise and a breath freshener. Later, The New England colonists learned the art of spruce resin gum chewing from the Native Americans that they encountered.
Like many innovations, contemporary chewing gum is a product of a business manufacturing gaffe.
In 1869, the exiled previous Mexican president, Antonio Lopez de Santa Anna, lived in Staten Island. Hearing the rumors about latex derived from a tree in Yucatan that might be rubber's counterpart, he decided to try his luck in the venture despite any potential risks or liability losses that the undertaking might have. After purchasing a massive amount, he hired the inventor, Thomas Adams, to process it. Unfortunately, there was no insurance coverage policy that protected either de Santa Anna or Adams. Not only did the assignment fail, it left poor Adams with a surplus of 'useless' material.
Then, Adams detected some notable qualities in the substance. In its dried form, the latex was insoluble in water; in addition, it was fairly plastic. Placing it in his mouth, Adams discovered a chewable pleasure, likened to the paraffin matter sold in drug stores of the times.
In 1871, the 'failed' inventor patented his gum, ultimately adding flavors that forwarded his brand. Adam's gum became a genuine sensation when the Wrigley Company expanded the popularity with advertising.
Despite the success that developed until today, you can bet your bottom dollar that Wrigley's currently has the necessary general liability, business insurance and commercial auto insurance that protect their booming enterprise from lawsuits, claims, and so on
Those that think chewing gum can be used as an aid to dieting or to maintain proper food consumption, may have another thing coming to them. According to studies, the gains, made by the associated reduction of hunger, is mitigated by the resulting ingestion of less nutritious foods than non gum-chewers. Results of research in fact show that gum chewers are more prone to eat junk food, such as potato chips and candy. The junk food preference may well be the after-effects of the common gum mint flavor that causes fruit and vegetable to taste bitter.
Desperately need that stick of gum? Check out these suggestions to curb food cravings and relieve life's stress; they may just be the perfect substitute!
To reduce food cravings:
• Drink more water
• Exercise
• Don't skip breakfast
• Eat wholesome, protein-rich small meals, frequently, instead of three large daily meals
• Satisfy yourself with tea
To relieve life's stress:
• Eat wholesome foods and don't skip breakfast
• Enjoy a hot glass of chamomile or green tea
• Take a brisk walk
• Exercise
• Refresh yourself with a drink of water
• Catch a brief catnap
• Use relaxing breathing techniques
Who created gum in the first place?
Incredible as it seems, the concept of gum dates back at least to the time of the Greek Empire when people would chew on resin from the mastic tree, named specifically because of the chomping that it provided for humans. Back then, the activity served dually as a tooth-cleaning exercise and a breath freshener. Later, The New England colonists learned the art of spruce resin gum chewing from the Native Americans that they encountered.
Like many innovations, contemporary chewing gum is a product of a business manufacturing gaffe.
In 1869, the exiled previous Mexican president, Antonio Lopez de Santa Anna, lived in Staten Island. Hearing the rumors about latex derived from a tree in Yucatan that might be rubber's counterpart, he decided to try his luck in the venture despite any potential risks or liability losses that the undertaking might have. After purchasing a massive amount, he hired the inventor, Thomas Adams, to process it. Unfortunately, there was no insurance coverage policy that protected either de Santa Anna or Adams. Not only did the assignment fail, it left poor Adams with a surplus of 'useless' material.
Then, Adams detected some notable qualities in the substance. In its dried form, the latex was insoluble in water; in addition, it was fairly plastic. Placing it in his mouth, Adams discovered a chewable pleasure, likened to the paraffin matter sold in drug stores of the times.
In 1871, the 'failed' inventor patented his gum, ultimately adding flavors that forwarded his brand. Adam's gum became a genuine sensation when the Wrigley Company expanded the popularity with advertising.
Despite the success that developed until today, you can bet your bottom dollar that Wrigley's currently has the necessary general liability, business insurance and commercial auto insurance that protect their booming enterprise from lawsuits, claims, and so on
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