• Life Insurance

In your quest for life insurance coverage adequate information on what is available out there is important. There are two main types of life insurance on offer today, term life and whole life or “permanent insurance”. We will be looking at whole life insurance and where it falls in life insurance planning.

Whole life insurance is a kind of life insurance that will cover you for your whole life. Under a whole life insurance policy, upon your death your beneficiary will receive a death benefit. Whole life insurance is a traditional form of insurance policy, and there are now several different types of whole like policies and each are designed to help you to handle the high cost of insurance in later years, when premiums tend to become very expensive.

A whole life policy averages out your premium costs and amortizing them over the projected lifetime of the policy. Thus the high costs of later payments are made apart of earlier premiums producing a leveling effect.

This is useful not only in preventing extreme rises in premium costs, but also in allowing for better financial planning by keeping premium constants throughout the life of the policy. Also payments are kept low during those later years of life when your income may fall significantly.

Some policies will also offer to pay you some dividends. These dividends do not amount to a lot of money initially but when used purchase more coverage, they help to increase the value of the benefits especially the coverage. A part of the premiums of a whole life insurance policy is used to pay insurance risk cost, and part will pay the costs of the insurer and the balance is put into a reserve fund called cash value.

Normally with whole life insurance policies only one persons life is insured, death benefit is paid, loss of limb, and other features are added to the policy to make it more attractive.

Whole life policies however have a few would be flaws. Premiums tend to be much high than that of a term policy due to payments to the cash value. Not all whole life insurance policies will necessarily pay you dividends.

Whole life policies do not offer account flexibility, so you are not allowed to put your money in whichever account you choose. You are also not able to invest in different accounts.

You have the ability to take money out of the investment component of your policy, whenever you desire without having to pay it back.

Yesterday, Idiscussed the first three points in Anna Goldsmith’s (http://www.copyblogger.com/freelance-writing-career/)article in Copyblogger, of course taken in the blogger context. Let’s proceed to point number 4:

4. Don’t watch TV in the middle of the day.

My blogging gigs are related to pop culture. Not being situated in the United States yet targeting that market, I have to constantly be in the know of the latest news about my niche. Watching television in the middle of the day helps me become abreast of what’s the newest happenings around the globe.

Advantage of my System: I pick up lots of ideas along the way. By watching news and documentaries, I’m making sure I’m up to date with the most recent headlines. It also pays off watching a variety of subjects because I get my best ideas from them randomly.

Disadvantage of my System: I do tend to get hooked up on watching TV especially when what I’m watching turns out to be highly interesting. Sometimes, I get too enamored into watching the next few shows that I end up being behind in work.

5. But do go out to lunch.

If there is one point the original article made that I couldn’t agree with more, it’s this. We need to unwind every once in a while. Although I very rarely actually “go out” literally, I do tend to rest and take it easy now and then, especially on weekends. While it’s important to update your blogs regularly, you’ll have days when you feel drained, and don’t be afraid to take an off day when you’re really feeling under the weather.

Advantage of my System: I get to recharge and get new perspectives from totally unrelated things. By resting for a while, I face the world blogging with a new eye every time. That’s needed to be able to maintain your readers’ interest and at the same time keep your edge.

Disadvantage of my System: I do tend to miss some days whenever I feel too ill to even think of blogging. There are also some days when I sacrifice posting to have lunch with friends or spend some time with family. But really, in the end, it’s all worth it.

With MY take on the points in the original article analyzed, here are some tips on how you can implement the guidelines if and when you really want to:

1. Create a division between work and home.

If you can’t afford a separate office like me, a makeshift office somewhere quiet would also do. If you have a laptop, you can relocate to a part of your house with nobody in it as often as you can. You can also arrange a schedule with the people in your house. Ask them if they could keep the noise down when you start working at a particular hour.

2. Take off your pajamas.

Make it a habit to change into “work clothes” before you even sit in front of your computer. Your work clothes don’t have to be business attire, just something which could put you in a “zone” meant for work.

3. Get to work on time.

If you’re really determined to start working on a schedule, then adjust everything in your timeframe to accommodate it. If you have to sleep during the way so you can work on a particular hour in the night, then do so. Try to reverse or adjust your body clock during one weekend so you can start working on your time of preference when the week starts again.

4. Don’t watch TV in the middle of the day.

If you really don’t want to watch TV in the middle of the day, make sure the room you’re working in doesn’t have one. If it does, take it out for good. You could also change your office location if you like.

5. But do go out to lunch.

When arranging your schedule for the week, ensure that you’ve listed time for play there somewhere. While it’s good to keep busy with blogging, there are a lot more important things in life that you better not take for granted.

Positive Approach

Father : I want you to marry a girl of my choice.

Son : “I will choose my own bride!”

Father : “But the girl is Bill Gates’s daughter.”

Son : “Well, in that case…OK”

Next Day

Father approaches Bill Gates.

Father : “I have a husband for your daughter.”

Bill Gates : “But my daughter is too young to marry!”

Father : “But this young man i s a vice-president of the World Bank.”

Bill Gates : “Ah, in that case… OK”

Finally Father goes to see the president of the World Bank.

Father: “I have a young man to be recommended a s a vice-president. ”

President : “But I already have more vice- presidents than I need!”

Father : “But this young man is Bill Gates’s son-in-law.”

President : “Ah, in that case… OK”

This is how business is done!!

Moral: Even if you have nothing, you can get anything. But your attitude & approach should be positive.

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