Add You - Insurance

Stock Market Excitement Is Not Exclusive of Wise Investing
Stock market investments based on individual stock picks are usually associated with risky bets, and a lot of effort is put into educating investors on how to plan for the long term instead. Although long term planning is important, it does not necessarily exclude the joys of seeing its stock portfolio outperform the market. But how to reconcile these conflicting schools of thought?On the one hand, you are living in the now and quick gains are a fantastic source of instant gratification. On the other hand, having lived in a city your entire life, you probably don’t see yourself moving into the outback to live the ‘simple life’, hence the need for a reliable pension plan.This sounds very much like identifying needs and wants, however, the needs are far away in the future compared to the actual

turity claim is paid. Terminal bonus is often only paid if the policy has been in-force for a minimum number of years at claim time. The amount is dependent upon the profits made by the insurance company.

Unitised With Profits Fund - Also known as a Unit-Linked With Profits Fund. A type of Life Fund that can invest in UK and overseas shares, property, fixed interest securities and cash. When you invest in this fund through an insurance policy, you buy 'units'. When an annual bonus is declared, you can either receive more units or it is added to the unit price on a daily basis. Due to the addition of bonuses the unit price does not reflect the value of the underlying investments.

Unit-Linked - Also called Unitised. If your insurance policy is unit-linked, some of your money is used to purchase 'units' in a fund. The value of your policy at maturity is dependent upon the growth of the fund in which the policy is invested. Generally refers to policies that offer protection and saving such as endowment insurance, whole life insurance and inve

Entrepreneurs, Learn This Lesson - Don't Sweat The Small Stuff
Is the pressure of being in business getting to you? Do you feel like you have the weight of the world on your shoulders? Do you lie awake nights with a thousand points of worry flashing through your poor, tired brain? Welcome, my friend, to the wonderful world of entrepreneurship. Come on now, you really didn’t think it was going to be that easy, did you?Forget all those reasons you’ve heard as to why businesses fail. It’s the pressure of entrepreneurship that sends many folks running back to the supposed security of a real job. I’ve seen perfectly good businesses flushed down the tubes simply because the owner couldn’t handle the day-to-day pressure of keeping the doors open.So I ask you again: is the pressure of being in business getting to you? Is worrying about your business taking up so much of your time that the

Assured - Those insured under the terms of an insurance policy.

Benefit - The money paid to the policyholder when a claim is made.

Bid Price - The selling price or cash-in value of your unit holdings.

Bonus - Relates to a with-profits policy. The amount of money added to the benefit payable under the policy. The amount is dependent upon the profits made by the insurance company. Added bonuses cannot be taken away.

Convertible Term Assurance - A term insurance policy which gives you the option to convert your current policy to a whole-life or endowment insurance policy, without having to take further medical examinations.

Critical Illness Insurance - A policy that pays out a lump sum on the diagnosis of life threatening illnesses indicated in the terms of the plan.

Decreasing Term - A form of term life insurance where the death benefit decreases each year as per your policy. Premiums remain level. This type of certificate is frequently sold as mortgage insurance. There is no surrender value for this policy.

Endowment Insurance - An insurance policy that pays a stated amount at the end of a specified period or upon the death of the insured if it occurs within that period.

Family Income Benefit - Term assurance which pays money to the life assured’s dependants for a set period, rather than paying a lump sum.

Guaranteed Bond - A bond in which principal and interest are guaranteed by an entity other than the issuer. Guaranteed Bonds can be income or growth.

Increasing Term - The cover and the amount you pay into the policy are increased by a specific percentage each year calculated on the original sum insured. Designed as a way to increase your life cover as your earnings increase.

Investment Bond - Combines investment with some life cover. The payments you make into an insurance policy or investment bond, usually a lump sum, are invested in the insurance company's with-profits or unit-linked funds (Life Funds). Different types of bonds include the guaranteed bond and unit-linked single premium bond. Not to be confused with a company or government bond, an investment that offers a fixed rate of interest and an area where your chosen Life Funds may be invested.

Life Fund - This usually refers to Unit linked Investment Funds. These are funds run by Life Assurance or Pension Companies. Such funds are used for individuals holding life assurance policies to invest in. The assets held within the fund are divided into a number of units. When an investor contributes to a Life Fund, units are allocated to investors in proportion to their investment.

Maturity - An agreed date when an endowment policy ends and the proceeds, including any bonuses, are payable.

Mutual - A life insurance company that is owned by its with-profits policyholders.

Offer Price - The price at which fund units are bought.

Premium - The amount of money paid into an insurance policy.

Proprietary - A life insurance company that issues its profits to its shareholders.

Qualifying Policy - A life assurance based savings plan that has to be written for a minimum of 10 years and must fulfil certain qualifying policy criteria to ensure the final payout is tax free.

Renewable Term - Term Insurance that may be renewed for another term without evidence of insurability.

Single Premium Policy - Where a single lump sum is paid for an insurance policy.

Sum Insured - The amount of money that is guaranteed to be paid under an insurance policy, before any bonuses are added.

Surrender Value - Not applicable to all life insurance policies. The amount that an insurance policyholder is entitled to receive when he or she discontinues coverage

Term Insurance - Provides policyholder with protection only. Life insurance payable to a beneficiary only when an insured dies within a specified number of years (the term). If you live beyond the term you do not receive any payment. This is thought to be the cheapest type of insurance.

Terminal Bonus - This is an extra bonus determined when a death or maturity claim is paid. Terminal bonus is often only paid if the policy has been in-force for a minimum number of years at claim time. The amount is dependent upon the profits made by the insurance company.

Recruitment Advertising: How To Apply For The Right Job
Recruitment advertising is a continuous activity for a growing company, particularly when the economy is doing well. Also, companies operating in specialized or niche areas and doing well are constantly on the look out for job applications from suitable staff as the availability of quality manpower will be limited. So how do companies recruit new staff? There are 3 ways of recruitment advertising...1) Advertise in news papers in employment opportunities columns2) Contact manpower agencies3) Look through their file for previous job applications - if there is any previous history.However, none of them are quick or inexpensive. Hence, if there is a way that cuts down on recruitment expenses or time for employers, they would go for it.When you apply for a job as a prospective candidate in response to an ad, y

der value for this policy.

Endowment Insurance - An insurance policy that pays a stated amount at the end of a specified period or upon the death of the insured if it occurs within that period.

Family Income Benefit - Term assurance which pays money to the life assured’s dependants for a set period, rather than paying a lump sum.

Guaranteed Bond - A bond in which principal and interest are guaranteed by an entity other than the issuer. Guaranteed Bonds can be income or growth.

Maturity - An agreed date when an endowment policy ends and the proceeds, including any bonuses, are payable.

Mutual - A life insurance company that is owned by its with-profits policyholders.

Offer Price - The price at which fund units are bought.

Premium - The amount of money paid into an insurance policy.

Proprietary - A life insurance company that issues its profits to its shareholders.

Qualifying Policy - A life assurance based savings plan that has to be written for a minimum of 10 years and must fulfil certain qualifying policy criteria to ensure the final payout is tax free.

Renewable Term - Term Insurance that may be renewed for another term without evidence of insurability.

Single Premium Policy - Where a single lump sum is paid for an insurance policy.

Sum Insured - The amount of money that is guaranteed to be paid under an insurance policy, before any bonuses are added.

Surrender Value - Not applicable to all life insurance policies. The amount that an insurance policyholder is entitled to receive when he or she discontinues coverage

Prepaid Credit Cards
If you have a history of bad credit and are unable to obtain a mainstream credit card, then prepaid credit cards may be just the answer you are looking for.First of all, although prepaid credit cards are accepted at any retail outlet where the credit card logo is displayed, strictly speaking they are not a ‘credit’ card, as the issuer provides no credit facility to you. Rather, your spending limit is determined by how much money you have on the credit card at any given time.Once the amount on the card has been spent, the cardholder can either buy a new prepaid credit card or elect to transfer money on to the existing card, depending on the card program.Although prepaid credit cards sound very like debit credit cards, the two should not be confused. In the case of debit cards, any purchase for goods or services you ma

single premium bond. Not to be confused with a company or government bond, an investment that offers a fixed rate of interest and an area where your chosen Life Funds may be invested.

Maturity - An agreed date when an endowment policy ends and the proceeds, including any bonuses, are payable.

Mutual - A life insurance company that is owned by its with-profits policyholders.

Offer Price - The price at which fund units are bought.

Premium - The amount of money paid into an insurance policy.

Proprietary - A life insurance company that issues its profits to its shareholders.

Qualifying Policy - A life assurance based savings plan that has to be written for a minimum of 10 years and must fulfil certain qualifying policy criteria to ensure the final payout is tax free.

Renewable Term - Term Insurance that may be renewed for another term without evidence of insurability.

Single Premium Policy - Where a single lump sum is paid for an insurance policy.

Sum Insured - The amount of money that is guaranteed to be paid under an insurance policy, before any bonuses are added.

Surrender Value - Not applicable to all life insurance policies. The amount that an insurance policyholder is entitled to receive when he or she discontinues coverage

Budgeting, Forecasting and Tax Planning
Corporate tax is a tax levied by various jurisdictions on the profits made by companies or associations. Tax will vary drastically from one jurisdiction to another. Allowances for capital expenditure as well as the total amount of interest payments that can be deducted from gross profits when working out the tax liability will both vary.Tax rates will also vary and are determined on whether profits have been distributed to shareholders or not. Know that any profits that have been reinvested can not be taxed. For those in America the federal rate is 35%, but in 1999 Treasure announced the “check the box” systems there have been some corporations who can elect to be treated special and get to skip taxes.If you need to save money for tax time you can use new software which will teach you how to budget properly. Budgeting softwar

ife assurance based savings plan that has to be written for a minimum of 10 years and must fulfil certain qualifying policy criteria to ensure the final payout is tax free.

Renewable Term - Term Insurance that may be renewed for another term without evidence of insurability.

Single Premium Policy - Where a single lump sum is paid for an insurance policy.

Sum Insured - The amount of money that is guaranteed to be paid under an insurance policy, before any bonuses are added.

Surrender Value - Not applicable to all life insurance policies. The amount that an insurance policyholder is entitled to receive when he or she discontinues coverage

Building a Foundation for Your Business
Why is building a business foundation important to marketing?It will not matter how slick or effective a marketing program is if the business foundation is not in place. As a consultant the tendency is to look after other people’s business and not our own. It is like the proverbial cobbler and the shoes. Only the cobbler’s children go barefoot. This is very true for most consultants. The structure used quite often will not lead to effective execution of a marketing plan and to also follow-through on the results of the campaign.Look at the current structure for your consulting business. Do you have an organizational chart based on job function? This does not mean hiring others to do work, it simply means there needs to be a basic understanding of the jobs that are necessary for the company to move forward profitably.Her

Unit-Linked Single Premium Bond - A single lump sum life insurance policy where your investment is spread over a number of Life Funds.

Whole Life Insurance - Whole life insurance provides a death benefit for the policyholder as it builds up cash value. The policy remains in force for the lifetime of the insured, as long as premiums are paid according to the policy agreement. You can choose insurance that pays out on death a guaranteed sum only, the sum plus any bonuses that have been added, or the sum plus any additional value from the growth of the funds invested in.

Without Profits - When a policy reaches maturity or the policyholder dies, the amount paid out is the basic guaranteed sum only. You would not be entitled to any bonuses.

With Profits - Relates to insurance policies that combine investment with protection. This type of policy is entitled to a share of the profits made by the insurance company. Premiums are invested in the with profit fund, reversionary bonuses are applied usually on an annual basis which reflect the investment growth of the fund assets. On death and/or maturity a further terminal bonus might be applied to the fund value.

With Profits Bond - An insurance policy where your lump sum is in most cases invested in a Unitised With Profits Fund (which is listed under the Life Funds section).

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Toons are the medium through which we can convey many things in light hearted manner to the world. Printed clothes bring out our imagination to the surface and also it could be said that the cartoon character which we choose to wear tells certain things about our thinking process and personality. For example- An adolescent wearing t-shirts of Johnny Bravo may be having liking for fit body of Johnny and his flirtatious nature. Therefore innovation and designing would also keep this field of garment printing always ongoing and favourite for kids and youngsters.

Often, all it takes to identify your dream career is a clear picture of your personal preferences and style. People tend to success best at things that they enjoy, that utilize their strengths, and that happen in the kind of environment and structure they enjoy. Answering the ten sets of questions below will give you concrete insight into the qualities a career choice should have to be the ideal one for you.

There are so many online article submission websites on the Internet these days. Recently I counted 120 of them in fact. Most are very weak and probably will not even be online next year. The average online article submission website stays online about 4-months and then disappears forever. Many of the articles that they have posted are picked up by other websites and those articles end up all over the Internet and have a much better chance at longevity.

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