When I was a kid, my mom was a leader in the scout club that I joined. I really loved having her be part of it with me. She volunteered so much of her time, and I appreciated it, even as a young girl. Mos of my friends did not really think about what their parents did for them, but I was always aware of it and very appreciative. So, when my daughter was born, I vowed to spend time volunteering to take part in the activities she was part of. Recently, I looked into t shirt printing in Tampa so that I could get some shirts printed up for her scout trip. She was so pleased with me. Continue reading I Love Doing What I Do for My Kid
I knew that I wanted a place of my own as soon as I had my college degree in my hand. My college roommate was someone who was a stranger to me when we first moved into a dorm together our freshman year. We turned out to be best friends and hadshared a room ever since. So, after graduation, we decided to look at apartments for rent in Tampa Florida together.
We spent a few weekends looking through all the different places in the area where we wanted to live. We had both landed jobs already with our new degrees, and we were lucky that we both would be working at companies that are relatively close to one another. So, that would really help out with our living arrangements. We wanted to get a three bedroom apartment. Continue reading We Found a Good Place to Live After We Graduated
I used to have really thin eyelashes. Some people may think this is just a minor issue, but it was something that really bothered me. People would actually comment on them at times, making me feel even more self conscious. I tried wearing makeup to make them more full, but nothing seemed to work. I had just about given up hope when a friend told me about Lilash Serum. I had actually tried an eyelash serum in the past, but it did not provide the fuller and thicker lashes that it stated would happen.
I am nothing if not optimistic though, so I decided to go ahead and see why this one was different. Continue reading I Wanted to Have Thicker Eyelashes
Since using Volume Pills, my wife and I became friskier and more intimate, so much so that she became pregnant. This was my first time becoming a parent. Immediately we started thinking about baby names, and my wife came up with a lot of girl names because she thought the baby would be a girl. She told me she had a sure feeling that the baby would be a girl, and was willing to make a wager out of it. If the baby was born a girl, I had to cook her a multi course dinner every day for a week.
We went to the doctor for prenatal care, and asked the doctor to tell us what the sex of the baby would be. The baby wasn’t far along enough for the doctor to give an accurate answer, so we had to wait a little while longer. Continue reading Cooking for a Pregnant Wife
It was a typical Saturday afternoon and I was sitting in my basement watching football games with my brother in law and his cousin. The cousin started talking about different strange things you could find on the Internet. I am not really sure what brought the subject up, but he was saying that he had run across something which completely baffled him. It was called Semenax and it is a pill that is called a volume pill. Obviously it is supposed to increase the volume of semen that you produce when you ejaculate, but it is hard to figure out exactly what purpose that is supposed to serve. I have not ever had an issue with ejaculation, I climax and it comes out. Continue reading I Just Learned What a Volume Pill is
My wife and I have been experimenting in the bed room lately. She checked out a book from the local library about sexual positions and she wants to try every one of them, including the ones that don’t look very comfortable. I pop a Vimax, pick a random position from the book, and hop into bed with my wife. Some of the positions have been fun to try out, while others have been weird and made us felt like we were playing a game of Twister. For some of those positions, you need to be a bit more flexible.
While in bed one night after sex, my wife and I were watching television and one of those late night soft adult movies came on. Still in a state of arousal from our previous session, we watched the movie. Continue reading Kinky Ideas from the Wife
My wife and I don’t usually use ball gags, but every once in a while, on a special occasion, we will take them out and use them on each other. We started using them a couple of years ago, after going into a store that sells them one day out of curiosity. We looked around the store and found the toys sitting on the rack. We thought it might be a little fun to try them out, so we purchased two toys and used them that night. We started off slow, but once we were used to them, we were having a lot of fun with them.
Recently, my wife and I wanted to add a little variety to our nights, so we looked into getting a new toy. Continue reading A Kinky Mind Hidden in a Calm One
The family is one of our most important social structures, a fact recognised by the United Nations General Assembly who proclaimed May 15th International Day of Families in 1993. One of the key roles of the family is to nurture and support its children until they are old enough to look after themselves. Sadly many parents do not realise that they cannot ensure that their children are always provided for, no matter what happens, without the protection of a life insurance company
Most of us look back on our childhood with a fond smile. Memories of Christmas day spent with friends and families, wrapping up warmly to go to school on winter mornings, weekend treats and favourites meals. For children the family is our shelter, our support and our protection. It is the safety net we need as we develop and grow and learn the skills we need to grow into mature adults.
As a parent most of your time is dedicated to ensuring that your children have the safety net they need. The good schools and teachers, the healthy food, the exercise, the safe house, the warm jersey in winter and the holiday they deserve after a long year at school. You spend time teaching them right from wrong, the importance of self-discipline, kindness and honesty. Your children are your life.
But what of your death? Who would provide that safety net for your children if you passed away before your time, before you were able to teach them all they needed to know to grow into the adults you want them to be? Would your partner, on his or her salary alone, be able to provide for your family?
If you are asking these questions about your family’s future then you need the protection of a life insurance company. In the event of your death your family will be able to claim against your life insurance policy. Should their claim be successful, they will receive your benefit amount as a lump sum pay out, funds that can be used by your spouse or partner to replace the income you earned and look after your family, as you would have wanted them to be cared for.
This Family Day make sure that you spend some time discussing your family’s financial future with your partner or spouse. Make sure that the ones that you love are protected against the very worst that can happen: the death of a family breadwinner.
When I decided to explore my options with an online shop, I thought that it would be as simple as finding someone to make me a website. Well, that was easy enough, but it was also quite evident that I needed something much more than a decent looking website. First off, the site, while nice, did not really reflect the kind of image that I wanted it to. Secondly, no one was coming to it! That is when I did a new search for Wollongong web design SEO. I had done my homework while I was waiting for my site to take off, and I had plenty of time to figure out why it was failing so miserably.
It was during this time that I learned about search engine optimization. I realized that the nicest site in the world was not going attract visitors if the SEO simply wasn’t there. Continue reading A New Website Saved My Business
As the cost of higher education rises, families turn to loans to send their children to college.
Shock statistics from the Consumer Financial Protection Bureau state that as of the end of last year, outstanding student loan debt was more than $1 trillion. Are you the parent of a college-going child?
Have you co-signed a loan to cover the cost of your child’s education and if so have you taken out life insurance in your child’s name to settle that loan in the event of his/her death?
Think about it this way. Like any other parent you want the best for your child and that includes a tertiary education.
You are happy to co-sign a student loan because you know that your child will work to pay back the loan once they have completed their studies. But then one day every parent’s nightmare becomes reality and your child passes away before he or she can pay back the loan, perhaps even before he or she can finish studying. What now? Because you co-signed the loan you are responsible for paying back what is owed.
This is where life cover steps onto centre stage. If you take out a life insurance policy in your child’s name you know that if he or she passes away their life insurance policy will pay the policy beneficiaries a lump sum amount. These funds can be used to pay off outstanding debt, including student loans, store cards and credit cards. The money can also be put towards funeral expenses as well as the costs of settling your child’s estate.
No parent wants to think about the death of his or her child. For many the thought of their child dying before them is too horrific to even contemplate. But as responsible adults we have to plan for the worst and ensure that we are financially protected against the death of our child. Think of it this way. If your child passed away and you assumed responsibility for his/her student debt how would you cope with the repayments? Would you be able to afford them? How, for example, would this unexpected financial burden affect your retirement plans?
Take charge and speak to your child today about taking out life insurance in his or her name. While it might be a difficult conversation it is one that has to take place. And remember, taking out life insurance while you are young and healthy means that you will save on premiums as you grow older.
False life insurance fraud is perhaps the most sensitive kind of insurance scam, since larger frauds are often discovered only after the death of the insured. Although buyer frauds are very common, and can even lead to the murder or suicide of the insured in order to cash in their insurance, this article focuses on seller fraud, where those selling or claiming to sell insurance are involved in the fraud.
Fake websites and agents
These exist for the sole intention of obtaining an unsuspecting person’s money, usually through credit cards. Websites may be made to look like those of a genuine insurance company, or may represent a completely bogus organization. These can be recognized in a variety of ways, the easiest of which is to check whether the web address starts with https:// – this is a secure site and payment information can be entered here. Often, links to fake sites will be emailed to you, so check if the email is from a public account or your insurance company’s account. Furthermore, hovering the mouse pointer over a link in the email will tell you if the email was sent from the same site, and not a fake one. It is important to remember that no bank or insurance company will tell you to “renew information” through an email. If you receive such an email from your bank, verify it by calling them, and not on the number given in the email!
Fake agents are a little trickier to detect, since both real and fake ones will approach you personally and advertise policies. Thieves collect premiums and do not pass them on to the insurance company. As a general rule, verify with your company beforehand if they have any policies and whether they have sanctioned agents to collect premiums.
These “companies” are really just groups of con artists operating out of a single room, who dial their targets and sell them policies, claiming to be certified or licensed. The smartest thing to do is to check with your state or national insurance department whether these companies exist. As always, do not hand over credit card information over the phone, and ask around for any news on insurance scams.
This involves selling or advertising unwanted policies with an intent to generate commissions rather than yield any genuine benefits to the customer. For example, an annuity plan that generates cash but only after 15 years is unlikely to be popular among 60-year olds. Hiding the disadvantages of this plan, which often include paying large penalties or surrender fees in order to receive payment earlier, is often involved.
Similar to churning is selling plans that over or under-cover the client, only to generate commissions for the broker. The best way to avoid this kind of fraud is to run one’s account independently, without letting brokers have discretionary authority over buying policies.
Insurance companies have the services of surveillance investigators and often an in-house insurance fraud investigation unit to help them tackle buyer fraud, but you will have to get by with common sense and vigilance. There is no such thing as “extra careful” when it comes to your financial matters, especially life insurance!
Almost everything in life is uncertain and we should always prepare for any unplanned situation that might pop up. Life is uncertain, and we need to be prepared for the unexpected. In fact, the only things certain in life are taxes and death. One or both of these things are bound to happen at some point in a person’s life. While taxes will always be present in every society, death can come like a thief in the night.
Sickness and death are particularly frightening as it is. Death is certain-a part of life and its certain that one day we will go back to our creator. What’s really frightening though is if we are not prepared when this happens. This is the reason why every person should have a life insurance policy.
A life insurance policy can go a long way toward helping dependents who have experienced the death of a loved one. If the breadwinner of the family dies, his dependents can be left with nowhere to turn. If he has a life insurance policy, however, then his dependents will have a safety net until they can fend for themselves.
Policies can do more than serve as a lifeline for dependents after the insured dies, however. They can also help defray death-related expenses, including funeral costs and the cost of probate for the insured’s will.
Some people are not as lucky as others and they will not be able to leave mansions and lands to their dependents. With this Insurance, a parent can be sure to leave an inheritance to his dependents or beneficiaries. This makes the product especially important for those who have young children-the benefits will help cover their expenses until they are able to work and fend for themselves. The amount of coverage a person should get should be based both on the number of dependents he has and the premiums he can afford on his paying capacity.
There are many things in life that the average household can live without, but life insurance should not be one of those things. The importance of this increases as the number of people in a household increases. A single person with few, if any, close relations can get by with relatively on a very little amount or perhaps no insurance at all. The same is not true for those who cannot be said for persons who have family members or other types of responsibilities.
This unique product is a way to protect your family against possible financial trouble or even ruin, depending on the circumstances. It is also a way to relieve some of the anxiety that family members may feel as they wonder how they will get by should the breadwinner in the family suddenly dies. Some forms of life insurance can even be used as a means of saving money over the long term.
There are various types of policies, and Often one type will be a far better option for a particular family or person than another might be for that same family or person. Because there are so many types of policies available, consumers need to reach out and connect with a trusted agent.
A reputable agent will normally be a state-licensed agent who carries different types of policies from different companies. There are life insurance agents, as well, who normally work for a particular insurance company and sell the products of that company. An Independent Agent can offer many different types of policies at different price points, because he or she carries more options from more sources.
Aside from choosing the correct type of policy, Consumers must also decide on the level of coverage they need. A consumer might say: “I need $10,000 worth of life insurance” but when asked to justify that amount they are at a loss to do so. Is that amount too much; is it too little? Often they simply do not know. The amount of coverage needed will vary from one family to another. It can also vary depending on where in life a person is when he or she takes out the policy. A newly married couple, young in age, will normally need less life insurance coverage than a middle-aged couple with a home mortgage and student loans that need to be paid off. Then again, a high earning young couple may need more life insurance than a middle-aged couple if the high-earning couple needs to replace one of the incomes lost through death. As you can see, coverage is dependent on many issues and aspects, some of which are hard to explore without the aid of a qualified life insurance agent.