Author: Admin

Posted on by

Do A Need Analysis Before Buying Life Insurance

Do a Need Analysis before Buying Life Insurance

by

seojesica

The general awareness and acceptance of life insurance has grown today into a necessity that cannot be ignored. The importance of investing in a life insurance policy and the significance attached with an insurance cover have been ingrained by a lot more people today than what the case was a few years ago. However, the issue is not as much about investing in an insurance policy, as it is about the thinking that should go into the decision making process, when you buy life insurance. The question is of doing a need analysis when you buy life insurance.

What is need analysis in life insurance?

While the term may seem to be some technical buzzword, in layman s terms, the idea has to do with the kind of needs that you may have at the present as well as in the future. Need analysis in life insurance is all about your ability to deal with the present and the future in terms of financial implications for you as well as your family. When you do a need analysis, you would know the maturity amount that you need to have in place at the end of any investment, you would be aware of the kind of insurance cover that your family would need well into the future, and you would be in a position to compare life insurance and choose the best in terms of the one that fits you the best.

[youtube]http://www.youtube.com/watch?v=aap1OBZUmZM[/youtube]

How to go about a need analysis to buy life insurance?

Life insurance cover/Investments in place: The first step in conducting a need analysis in terms of insurance cover is to identify the coverage that you may already have in place. You would then calculate the expenses that you may incur on a day-to-day basis these are the expenses that you would not be in a position to avoid, and are recurring on an on-going basis well into the future. As you would expect, it is of crucial importance to factor in your dependants and calculate the kind of needs that they would have in future.

What are your expenses? There are many aspects that deserve your attention, as you go about your need analysis for insurance cover. Loans that you currently serve, for instance, turn out to be important factors that tend to drain your resources well into the future. If your spouse is not actively in the workforce, you cannot rely on financial support from your better half to enable your family to enjoy a confident and comfortable lifestyle, unless you have made provisions with life insurance. Further, you cannot afford to ignore some of the big ticket expenses that may be glaring into your future the planned education of your child, the impending marriage of your daughter, or having to take care of someone s special needs in the household could be quite challenging. If you have invested into financial tools, have you ensured that the maturity amount from the investment would take you through the rough patches of life that your family and dependants may have to go through?

Need Analysis in Life Insurance: Once you have summed up all the expenses and liabilities, along with the assets and investments, you could calculate the financial needs on the death of the primary person to be insured with the insurance cover. They could be lump sum needs, as in the case of marriage or higher education, or monthly expenses. Identify the shortfall that there may be, without considering the primary earner s income levels.

Now, compare the total needs that your family would have from today, with the total cover provided by your life insurance policy today. If there is a difference (and in most cases, there will be), that is the extent to which you would have to buy life insurance. And once you have arrived at this point and you know what the shortfall is, you could then go ahead and compare life insurance to see how you would fare in the light of this need analysis for life insurance.

compare

life insurance

plans online and get higher sum assured to cover your family at a lowest cost. We provides best offers from leading insurers in India.

Article Source:

ArticleRich.com

Posted on by

Kennedy Center names 2007 honors recipients

Friday, September 14, 2007

The Kennedy Center announced that its 30th presentation of the Kennedy Center Honors would go to pianist Leon Fleisher, comedian Steve Martin, singer Diana Ross, director Martin Scorsese and musician Brian Wilson. The Center was opened to the public in 1971 and was envisioned as part of the National Cultural Center Act, which mandated that the independent, privately-funded institution would present a wide variety of both classical and contemporary performances, commission the creation of new artistic works, and undertake a variety of educational missions to increase awareness of the arts.

In a statement, Kennedy Center Chairman Stephen A. Schwarzman said that “with their extraordinary talent, creativity and perseverance, the five 2007 honorees have transformed the way we, as Americans, see, hear and feel the performing arts.”

Fleisher, 79, a member of the Peabody Institute‘s music faculty, is a pianist who lost use of his right hand in 1965 due to a neurological condition. He became an accomplished musician and conductor through the use of his left hand. At 67, he regained the use of his right hand. With the advent of Botox therapy, he was once more able to undertake two-hand performances in 2004, his first in four decades. “I’m very gratified by the fact that it’s an apolitical honor,” Fleisher said. “It is given by colleagues and professional people who are aware of what [an artist] has done, so it really is apolitical — and that much more of an honor.”

Martin, 62, a comedian who has written books and essays in addition to his acting and stand-up comedy career, rose to fame during his work on the American television program Saturday Night Live in the 1970’s. Schwarzman praised his work as that of a “renaissance comic whose talents wipe out the boundaries between artistic disciplines.” Martin responded to the honor saying, “I am grateful to the Kennedy Center for finally alleviating in me years of covetousness and trophy envy.”

Ross, 63, was a product of Detroit‘s Brewster-Douglass Projects when as a teeager she and friends Mary Wilson and Florence Ballardis formed The Supremes, a ground-breaking Motown act. She portrayed singer Billie Holiday in the 1972 film Lady Sings the Blues, which earned her an Oscar nomination and a Golden Globe award. “Diana Ross’ singular, instantly recognizable voice has spread romance and joy throughout the world,” said Schwarzman. Ross said she was “taken aback. It is a huge, huge honor and I am excited to be in this class of people.”

Scorsese, 64, is one of the most accomplished directors the United States ever produced, whose work includes Mean Streets, Taxi Driver, GoodFellas, Cape Fear, The Last Temptation of Christ and The Departed, for which he won a 2006 Academy Award for Best Director after being nominated eight times. Scorsese said, “I’m very honored to be receiving this recognition from the Kennedy Center and proud to be joining the company of the very distinguished individuals who have received this honor in years past.”

Wilson, 65, along with his brothers Dennis and Carl, formed the Beach Boys in 1961. They had a series of hits that included “Surfin’ U.S.A.” and “Wouldn’t It Be Nice.” Their 1966 album Pet Sounds is considered one of the most influential recordings in American music. “This is something so unexpected and I feel extremely fortunate to be in the company of such great artists,” said Wilson, who is currently on tour.

The Kennedy Center’s board of trustees is responsible for selecting honorees for “lifetime contributions to American culture through the performing arts.” Previous honorees, including Elton John and Steven Spielberg, also submitted recommendations. A wide variety of people were under consideration, including Emanuel Ax, Evgeny Kissin, Renee Fleming, Laurence Fishburne, Francis Ford Coppola, Melissa Etheridge and Kenny Chesney.

President Bush and first lady Laura Bush will attend the center’s presentation at its opera house on December 2, 2007, which will broadcast on December 26 on CBS.

Retrieved from “https://en.wikinews.org/w/index.php?title=Kennedy_Center_names_2007_honors_recipients&oldid=4281881”
Posted on by

On the campaign trail in the USA, October 2020

Monday, November 2, 2020

The following is the sixth and final edition of a monthly series chronicling the 2020 United States presidential election. It features original material compiled throughout the previous month after an overview of the month’s biggest stories.

This month’s spotlight on the campaign trail: the Free and Equal Elections Foundation holds two presidential debates, three candidates who did not participate in those debates give their final pleas to voters, and three political pundits give their predictions on the outcome of the election.

Retrieved from “https://en.wikinews.org/w/index.php?title=On_the_campaign_trail_in_the_USA,_October_2020&oldid=4650213”
Posted on by

Open software developers meet at FOSDEM 2008

Sunday, February 24, 2008

Hundreds of developers of freely licensed and open source software from all over Europe met in Brussels, Belgium this weekend for FOSDEM 2008. The 8th edition attracted considerably more visitors than previous editions, mainly from Belgium and its neighbouring countries the Netherlands, Germany, France and the United Kingdom, but also from other European countries and even from the United States.

During the conference weekend, presentations touched on programming languages, build systems, gaming (such as Battle for Wesnoth, Crystal Space, Globulation 2), packaging, virtualisation and web applications. The conference also has rooms (called DevRooms) were developers who usually work together via the internet can meet in real life and share thoughts on their projects; CentOS, Fedora, CrossDesktop, Drupal, GNOME, KDE, Mozilla, OpenSUSE and X.org had the biggest rooms this year. The corridors were filled with stands from organisations such as the Free Software Foundation Europe and the Free Knowledge Foundation, Debian, Ubuntu, OpenOffice.org, etc.

Since FOSDEM brings many European open software developers to Brussels, it also provides an important networking opportunity. FOSDEM traditionally kicks off Belgium-style on Friday with a beer event, but during the entire weekend several groups hold parties all over town. Wikinews reporters attended a barbecue hosted by the Electronic Frontier Foundation (EFF) on Friday for an interview with EFF and Open Rights Group representatives about the upcoming E.U. proposal to extend copyright for performers to 95 years. Wikinews also interviewed Drupal founder and Acquia CTO Dries Buytaert about Drupal and how Acquia will relate to the Drupal developer community.

  • Main lecture theatre on Sunday.

  • Lecture on Conary.

  • Young hackers

  • Hackers room

  • Free Knowledge Foundation stand.

  • DevRoom (Drupal)

  • One of the talks in the Drupal DevRoom ?was about the Dutch municipality Vught and its journey towards a home page with Drupal.?

  • DevRoom

  • DevRoom (Drupal)

  • DevRoom

  • DevRoom (Mozilla)

  • Key signing party.?

?

Retrieved from “https://en.wikinews.org/w/index.php?title=Open_software_developers_meet_at_FOSDEM_2008&oldid=1441028”
Posted on by

Teaching English In France A Novel Way To Truly Experience The Culture

By Michelle Simmons

Are you interested in a job teaching English in France? You might be surprised to learn that it’s surprisingly easy to find a position.

Unlike other countries where advanced qualifications are required, the French are more likely to hire native English-speaking teachers based on other credentials. While it’s wise to approach the job with a TEFL (Teaching English as a Foreign Language) certificate in hand, advanced degrees and credentials are not necessary. If you have a Bachelor’s Degree in almost any subject and a working knowledge of French, you’re already well on your way to a job.

You will be required to have a work visa for teaching English in France. It is possible to work part-time hours in France while traveling on a student visa, but this should not be considered as a main way of supporting yourself. If you’re serious about the career and plan to do it for any extended amount of time, it’s best to get a work visa.

[youtube]http://www.youtube.com/watch?v=g6tHPtzhC0c[/youtube]

Getting your visa will require finding a company that is willing to hire you and sponsor you throughout the process. While it’s possible to make a connection with a specific employer and find a position directly, you’re much better off locating an agency that can help place you. France has many resources for would-be English teachers looking for available positions.

The Cultural Service of the French Embassy provides placement for English teachers and teaching assistants. Most positions are in lower-level educational facilities or in teacher’s training colleges. You may also find a job through the French Council Exchanges. Do some online research and put the names of these organizations into search engines to learn more.

Teaching English in France is also possible at a more casual level. If you’re not interested in getting involved with a school, college, or corporation, consider teaching private lessons. Private teachers who travel to people’s homes to teach English can expect to earn about 15-20 Euros per session. You most likely won’t make a living doing this, but it can be a great way to supplement your income if you’re planning on staying in France.

A unique development in the field of teaching English in France involves teaching over the telephone. Although this method is catching on in many countries, it is particularly popular in France, and it offers teachers the opportunity to do their jobs without having to leave their home countries. Some might argue that living in France is the best part of becoming an English teacher. However, if your life doesn’t permit travel but you’re still interested in a TEFL career, telephone teaching is another option to explore.

If you’re interested in the French culture and have a working knowledge of the language, teaching English in France can be a great way to support yourself while experiencing a different culture. If you’ve chosen this field, be prepared to do your research before embarking on your adventure. It’ll take some work, but it’s very possible to make this your lifelong career.

About the Author: Michelle Simmons is a contributing editor for ESLemployment, the leading job and resource site for the English Teaching Industry. Interested in receiving hundreds of English Teaching jobs listings weekly for free? To learn more visit English Teaching Jobs.

Source: isnare.com

Permanent Link: isnare.com/?aid=81151&ca=Career

Posted on by

Former professional wrestler Giant González dies aged 44

Tuesday, September 28, 2010

Former Argentine professional wrestler and basketball player Jorge ‘Giant’ González has died at the age of 44. González died in his hometown of San Martin, Argentina. The cause of death was established to be complications of diabetes. González had suffered with the illness for several years and was wheelchair bound.

Standing over 7.5 feet (2.3 metres) tall, González was originally a basketball player before becoming a wrestler. Upon moving to the United States, he was drafted in the third round of the 1988 NBA draft by the Atlanta Hawks. After his basketball career ended, he joined World Championship Wrestling (WCW). During his time there, he wrestled as El Gigante for two years, then joining the World Wrestling Federation (WWF), now World Wrestling Entertainment (WWE).

During his time with the WWF, González feuded with The Undertaker. He debuted at the 1993 Royal Rumble where he eliminated Undertaker from the Royal Rumble match. He spent the entire of his time at with the WWF feuding with Undertaker and left the company in July 1993 after losing a Rest in Peace match to him. After leaving the company, he wrestled in Japan before retiring in 1995 after suffering from sciatic nerve pain.

González is the latest in a line of former WWE wrestlers to die in the last two months. In August, both Lance Cade and Luna Vachon passed away, while Mike ‘Bastion Booger’ Shaw died at the age of 53 earlier this month.

Retrieved from “https://en.wikinews.org/w/index.php?title=Former_professional_wrestler_Giant_González_dies_aged_44&oldid=4598228”
Posted on by

Interview with Liz Mumby, independent candidate in Australian by-election for the Victorian state electorate of Altona

Thursday, February 4, 2010

With a state by-election coming up in Victoria, Australia, many minor parties and independent candidates will be looking to gain a seat in the Legislative Assembly. Liz Mumby is one of the independents.

“I am a medical sales professional, a wife and mother and a small business owner,” says Mumby, the Division of Altona. “I don’t come from a political background, I live in the real world.” She argues that “we should not limit the debate to public transport issues just because the retiring member was the Minister for Public Transport.”

Wikinews reporter Patrick Gillett held an exclusive email interview with Mrs. Mumby.

Retrieved from “https://en.wikinews.org/w/index.php?title=Interview_with_Liz_Mumby,_independent_candidate_in_Australian_by-election_for_the_Victorian_state_electorate_of_Altona&oldid=4567768”
Posted on by

Construction accident in New York City, one reported dead

Monday, January 14, 2008

A construction worker died after falling thirty feet from a New York hotel yesterday, police say.

The accident occurred at the Trump SoHo construction site in SoHo, New York. Witnesses at the scene reported that a load being lifted by a crane collided with the building, possibly causing scaffolding to collapse.

Police indicated that the dead worker had fallen at least 30 feet. A second worker sustained injuries after falling several storeys into some netting. The injured worker was lowered to street level by crane and transported to hospital as a large number of ambulances and fire engines gathered on the scene.

The Trump SoHo building is a 46 storey, 400 unit hotel condominium. According to its website, the building is a joint venture between the Trump Organization, the Sapir Organization, and the Bayrock Group LLC. The site is scheduled to open in Spring 2009.

Retrieved from “https://en.wikinews.org/w/index.php?title=Construction_accident_in_New_York_City,_one_reported_dead&oldid=626179”
Posted on by

Medical Device Trays Market: Opportunity Analysis And Future Assessment 2020 2028

The report is titled ‘Medical Device Trays Market: Opportunity Analysis and Future Assessment 2020-2028’. An overview of conceptual frameworks, analytical approaches of theMedical Device Traysmarket is the main objective of the report, which further consists of the market opportunity and insights of the data involved in the making of the respective market. The Medical Device Trays market is expected to grow at a significant rate in the near future.

The global Medical Device Trays market was valued US$ 34.1 Bn at the end of 2020 and expected to reach at a value of US$ 53.1 Bn by 2028 with a significant CAGR of 5.7%.

To Identify the Key Trends in the Global Industry, Visit:

Medical Device Trays Market Dynamics

The expeditious rise in the amount of medical activities and surgeries across the world is mainly propelling the growth of the global medical device trays market. In addition to that, a huge escalation in hospital acquired infections is witnessed among masses thus, there has been a constant demand from patients as well as regulatory authorities to perfectly sterile and clean all kinds of medical devices before use to prevent hospital acquired bacteria and infections. Owing to which, the medical device trays are observing massive demand in the global market, thereby expected to boost the growth of the global medical device trays market in the forthcoming years.

By the same token, there has been a continuous focus on the healthcare industry regarding cost, time, and decrease in workload along with the current trend of outsourcing of medical devices and their sterilization, which is also acting as a positive factor for further growth of the global medical device trays market in the near future.

Medical Device Trays Market Segmentation

On the basis of product type, the global medical device trays market is segmented into

  • Electrical Medical Device Trays
  • Hydraulic Medical Device Trays
  • Manual Medical Device Trays

While on the basis of end user the market can be segmented into

  • Hospitals
  • Semiconductor manufacturers
  • Electronic manufacturers
  • Fertility centers
  • Specialty Clinics

On the basis of Region, the global medical device trays market is segmented into

  • North America (U.S., Canada)
  • Latin America (Brazil, Mexico, Argentina, Rest of Latin America)
  • Europe (U.K., Germany, Italy, France, Spain, Russia, Poland, BENELUX, NORDIC)
  • Asia Pacific (China, India, Japan, Australia, and New Zealand, South Korea, ASEAN, Rest of Asia)
  • Middle East (GCC Countries, Israel, Oman, Rest of Middle East)
  • Africa (South Africa, Egypt, North Africa, Rest of Africa)

Medical Device Trays Market Key Players

Some of the key participating players in the medical device trays market are DuPont, Wipak, 3M Company, Bemis Company, Inc., West Pharmaceutical Services, Inc., Placon Corporation and others

Posted on by

Commonwealth Bank of Australia CEO apologies for financial planning scandal

Thursday, July 3, 2014

Ian Narev, the CEO of the Commonwealth Bank of Australia, this morning “unreservedly” apologised to clients who lost money in a scandal involving the bank’s financial planning services arm.

Last week, a Senate enquiry found financial advisers from the Commonwealth Bank had made high-risk investments of clients’ money without the clients’ permission, resulting in hundreds of millions of dollars lost. The Senate enquiry called for a Royal Commission into the bank, and the Australian Securities and Investments Commission (ASIC).

Mr Narev stated the bank’s performance in providing financial advice was “unacceptable”, and the bank was launching a scheme to compensate clients who lost money due to the planners’ actions.

In a statement Mr Narev said, “Poor advice provided by some of our advisers between 2003 and 2012 caused financial loss and distress and I am truly sorry for that. […] There have been changes in management, structure and culture. We have also invested in new systems, implemented new processes, enhanced adviser supervision and improved training.”

An investigation by Fairfax Media instigated the Senate inquiry into the Commonwealth Bank’s financial planning division and ASIC.

Whistleblower Jeff Morris, who reported the misconduct of the bank to ASIC six years ago, said in an article for The Sydney Morning Herald that neither the bank nor ASIC should be in control of the compensation program.

Retrieved from “https://en.wikinews.org/w/index.php?title=Commonwealth_Bank_of_Australia_CEO_apologies_for_financial_planning_scandal&oldid=3869292”