The beautiful natural landscape that surrounds the Caribbean is very pervasive with a dramatic seascape or mountain backdrop never far away. This combined with the high forests, rolling hills, river valleys and the great beaches embellish the islands and furthermore, despite mammalian fauna being rather limited, flora in certain countries is super abundant in both range and variety. In addition to the enthralling natural landscapes there are a...more
There comes a point in most people's lives where they are faced with a crucial decision on what to do about the senior care needs of aging family members. As parents get older, their health concerns generally increase, and eventually they are unable to care for themselves. When this happens, children need to decide whether they want to send them to a nursing home or choose an in home care option. If you ask most seniors, they will tell you that...more
In life insurance, there are three terms that have to do with age: age basis, original age, and attained age. The names are rather straightforward, but you may find that the implementation of each concept can throw you for a loop. Let's learn how they're usedWhen you start a life insurance policyAfter completing the life insurance application process, you may be dismayed to find that the price you are offered is different from the price you were quoted. The reason for this discrepancy lies in the factors that determine the cost of insurance. With regard to the person or people that you are trying to cover, the major factors are age and physical condition. It is quite understandable that the insurance company may think that the insured's physical condition merits a health class better or worse than the one you selected when you first requested a quote, but some shoppers may find it imponderable that the insurer should calculate the insured's age differently than they would do!"Age basis" refers to the age that the insurer considers the insured to be. This is the age that is plugged into actuarial formul to calculate cost of insurance. With some insurance companies, age basis...more
"Play the Sunset" and Succeed in Life "Play the Sunset." This is the inspirational advice that fictional music teacher, Glen Holland (actor, Richard Dreyfus) offers his musically-challenged student, Gertrude Lang (actress, Alicia DeWitt) in the popular film "Mr. Holland's Opus." Holland's brilliantly constructed three-word...more
Pregnancy is an important and vital stage in life of a woman. It is important to have proper knowledge and information so that a woman has nine months of satisfaction. With pregnancy tips, a woman can know about you to deal with various things and mood swings that are most common at time of pregnancy. Having essential information is good for both...more
One of the most powerful attributes we as human beings has is the ability to think and make decisions. We are given the power and ability to change and live a better life. Yet unfortunately, many of us are not using this ability to change the bad circumstances that we are in.Perhaps you have experienced this yourself, you have been stuck in a job that you hate; but yet you refuse to take action to step out from your comfort zone. Remember that we all have the ability to take steps that will lead us to success in life.Many people (including myself) are afraid of making changes in our lives. Therefore, this leaves many of us stuck in exactly the way we are - that's feeling unhappy, unfulfilled, and unsuccessful. The one thing people should be very well aware of is that YOU have the power to change things, to change your life. And to a large extent, whatever is going on in your life right now is a result of your own efforts (or the lack of it). If you are currently feeling unhappy and unfulfilled in your life, try to take the following 3 steps to see if you could make the neccessary changes in your life that would lead you to a more happy and fulfilled life.Step 1: Change your...more
One of the least exciting parts of setting up your future financial plan is getting a life insurance policy. You probably have been told the importance of having life insurance in your portfolio, but you might be confused about which type of life...more
If you think you need an economics degree to understand life insurance you"re not alone. Companies are coming out with more and more complex products and what was once a relatively simple purchase is now complex. How do you choose the right life...more
Preserving money on insurance coverage is usually a main issue for absolutely everyone. After you are looking to make the most out of your insurance coverage buying, you'll find a good deal of distinctive points which you need to think about....more
When it comes to house acquisition, many people are worried of how they will acquire one legally and how they will be able to pay for it. This has seen many people go for loans while others go for mortgages to enable them to get the house of their...more
Birdwatchers as well as nature enthusiasts have discovered their recreation space in Guatemala. Fifteen percent of Guatemala's land is allocated for national parks, wildlife sanctuaries, national monuments, in addition to biosphere. Not to mention,...more
Applying for Life Insurance after 50 Life insurance can be quite a complicated subject to navigate through. Middle-aged consumers especially have a tough time deciding between term and whole life. Unfortunately, too many people fail to do a...more