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Tuesday, June 20th, 2017 | Author:

By Dennis Jarvis

Outside of how much term life insurance to purchase, the other key concern is how long or what term the insurance should be purchased for. These two factors really determine cost so let’s take a look at the question of “how long?”

Term life terms usually come in fixed periods of time running 5, 10, 15, 20, 25, or 30 years depending on carrier. One of the reasons that term life insurance is so much less expensive than whole life insurance is that the carrier is only at risk for a period of time. Whole life insurance can continue…well..for a person’s whole life. The analogy of renting life insurance (term) versus owning (whole) is usually thrown out (most likely by someone selling whole life insurance!). Life insurance is quite different from home ownership (the basis for the analogy). One is an asset while the other is protection from risk. Whole life insurance can be 10 times the cost of term.

The key to term life insurance is that you use it to protect against a defined risk or to mitigate a defined financial responsibility. The most common goal is to provide for loved ones in case of the loss of an income provider be it the sole or partial provider. This is a common concern for families at all stages from newlyweds to older adults whose children have already left the house. Typically, people underestimate the financial strain a loss puts on the their families. If you were to imagine not only the stress of the loss but the financial impact of everything falling on the other family member(s), it becomes apparent pretty quickly how important sufficient term life insurance protection can be.

Let’s look at some typical term considerations.

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Newlyweds/families with young children.

The cost of raising children is estimated at a quarter of a million dollars from birth to college these days and that will only increase with time. Clearly, the concern for newlyweds or families with young children is to provide financial protection out to where the children are adults and ideally through college (another ever escalating expense). This would argue for a longer term period between 20-30 years. Keep in mind that for a given budget, the longer the term, the less coverage can be purchased for the same life insurance premium amount. There’s a trade off and it’s best to use the instant quote engine to run multiple combinations of term and term life amount to find the right “mix” for your budget.

Established family with/without older children.

As mentioned above, college becomes a key concern for this group. College is estimated at $20K-$40K and that amount will grow significantly into the foreseeable future. Paying off existing debt and/or assets also becomes a competing consideration. Mortgages, business debts, credit cards, and loans should be equally considered along with income replacement to get past the college years successfully.

Older adults

For adults who no longer have the intense financial responsibility of children, the shift is towards providing for debt/asset payoff and income replacement over a shorter period of time. Term is ideal here as well due to the significant price savings versus whole life for equivalent amounts of coverage. Age is the primary factor in determining cost so buiying term life insurance at an older age can be expensive. Whole life almost becomes out of the question for any amount of significant coverage as it’s typically 10 times more expensive than term life insurance.

The best approach is to try multiple term limits when you run your instant term life insurance quote on our free engine to find the right “mix” for you.

About the Author: Dennis Jarvis is a licensed insurance agent concentrating on

term life insurance

. Shop, compare, and instantly quote multiple carriers with professional guidance and resources.


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Tuesday, June 20th, 2017 | Author:

Sunday, June 18, 2017

On Friday morning, the US President Donald Trump acknowledged that he is now personally included in the investigation into Russian involvement in the 2016 U.S. presidential election, run by special counsel Robert S. Mueller. Addressing the nation via Twitter, he said: “I am being investigated for firing the FBI Director by the man who told me to fire the FBI Director! Witch Hunt” and “After 7 months of investigations & committee hearings about my ‘collusion with the Russians,’ nobody has been able to show any proof. Sad!”

“The man” to whom Trump refers is not entirely clear but may be Deputy Attorney General Rod Rosenstein, who wrote a memorandum recommending the firing of then-Director of the Federal Bureau of Investigation James Comey. While Rosenstein did recommend that a special counsel be appointed to head the investigation, but said special counsel is Robert Mueller, not Rosenstein himself.

Three officials, Mike Rogers of the National Security Agency (NSA), Daniel Coats of national intelligence, and former NSA deputy Richard Ledgett agreed to be interviewed as part of the investigation.

They made up a phony collusion with the Russians story, found zero proof, so now they go for obstruction of justice on the phony story.

To date, the investigation, which has already lasted several months, focused on financial ties or improper communication between members of the Trump campaign and the Russian government. President Trump does not stand accused of collusion of that kind. Rather, Mueller is investigating whether President Trump attempted to stop or obstruct earlier stages of the investigation in any inappropriate way. For example, according to Daniel Coats, Trump asked him to try to convince then-director of the U.S. Federal Bureau of Investigation James Comey to reduce the intensity of his investigation into connections between the Kremlin and then-national security advisor Michael Flynn, though Coats also said that he did not feel pressured to comply. Comey later told the U.S. Senate that Trump had privately asked him the same, saying, “I hope you can see your way clear to letting this go, to letting Flynn go. He is a good guy. I hope you can let this go.” Trump claims that this is not true. He later fired Comey over what he called “this Russia thing” in an interview.

President Trump’s personal attorney, Marc Kasowitz, now handles all questions about the investigation addressed to his client. However, President Trump did Tweet about it early Thursday morning: “They made up a phony collusion with the Russians story, found zero proof, so now they go for obstruction of justice on the phony story. Nice” and “single greatest WITCH HUNT in American political history – led by some very bad and conflicted people!”

If Mueller does find evidence that the President committed a crime, he is not likely to be charged. Rather, it will be the responsibility of the United States Congress to weigh the evidence and decide whether to start impeachment proceedings, which could remove Trump from office.

Last year, the computer systems of both major U.S. political parties were hacked, and negative information about Democratic candidate Hillary Clinton was leaked to the public. According to an NSA report dated May 5 that was leaked to Intercept earlier this month, this hack was ordered by Russian military intelligence, specifically the Russian General Staff Main Intelligence Directorate (GRU), and not by unaffiliated Russian citizens with “patriotic leanings” as President Vladimir Putin had publicly claimed.


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Tuesday, June 20th, 2017 | Author:

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.

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Tuesday, June 20th, 2017 | Author:

Saturday, October 11, 2008

Relations between Iceland and the United Kingdom are deteriorating after the two nations fell out over the current financial crisis. When Iceland nationalised first Landsbanki and then Kaupthing Bank the Financial Services Authority only took on domestic assets, leaving British customers with subsidiary banks out of pocket. While Britain feels Iceland should also pay out to their citizens, Iceland blame the UK for triggering the crisis by using the Anti-terrorism, Crime and Security Act 2001 to freeze the UK assets of Icelandic banks.

UK Prime Minister Gordon Brown says Iceland should pay out up to €20,887 (£16,448) of UK investors’ money in the banks, particularly Icesave, an online company owned by Landsbanki which had around 300,000 accounts owned by UK customers. It will cost an estimated 2.4 billion pounds to compensate them, and it looks likely the UK will foot that bill.

Alistair Darling, the U.K. Chancellor of the Exchequer, has said that individuals with accounts will see their money again but other accounts are not guaranteed – leaving governmental, corporate and charitable deposits at risk of being lost. UK local authorities could lose £799 million.

Whose side are you on – Britain or Iceland?
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“The prime minister made clear the behavior of the Icelandic authorities had been unacceptable, and we had found it very difficult to get information from them,” said Michael Ellam, a spokesperson for Brown. A delegation has been sent to Reykjavik from the UK to try and solve the dispute amicably.

However, fears that the crisis may escalate have led to the pound becoming heavily devalued. The pound hit its lowest level for five years versus the US dollar after Brown threatened to freeze the assets of all Icelandic companies in the UK, which employ around 100,000 people.

The last time the two nations had a dispute, dubbed the Cod Wars, was in the 1970s. Iceland declared an exclusive fishing zone and began to cut the nets of British trawlers entering the area. That dispute came to a head in 1976 when a UK naval vessel with nuclear arms rammed an Icelandic ship that had been cutting nets. After this a compromise was reached to allow a limited number of British ships in the area.

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Tuesday, June 20th, 2017 | Author:

Submitted by: Terrence Bown

Cosmetic Dentist in Encino strives to give you the smile of your dreams that can capture the imagination of others. A beautiful smile on your face can do wonders to your personality and confidence. A beautiful smile ensures that you have a reason to be happy. On the contrary, your confidence will take a beating if you suffer from any of the tooth conditions and your smile is distorted. You will not be inclined to meet people and socialize. This could have a negative effect on your personal and professional life.

The cosmetic dentists are artists who can create beautiful smile on your face and treat your teeth conditions. You will be more inclined to meet people and be happy with yourself. The advancement in the technology has made it possible to treat any teeth condition.

Some of the services commonly provided by Cosmetic Dentist in Encino include periodic checkup in the dental office, dental implants, teeth whitening, invisalign, crowns, porcelain crown, CEREC crowns, veneers, dental veneers, porcelain veneers, bridges, root canals, fillings, white fillings, periodontal therapy, procedures to correct overlapping and crowding, extractions, cosmetic braces, restorations, mouth guards to treat clenching, mouth reconstruction and treatment for gum diseases.

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Choosing a Cosmetic Dentist in Encino for yourself and your family will be very easy with the information provided in this article. You need to figure out which dentist in your area is the best for your needs. You should be very careful in choosing a dental office for yourself and your family. The dental treatment should not cause you financial burden and other headaches. You should find out which dentist can offer you the best services without causing much burden on your finances. Your insurance should also support the dental office you choose so that a big share of your treatment expenditure is reimbursed by your insurance company.

Cosmetic Dentist in Encino offer free consultation. Find out all the specialists operating in your area and determine the best among them. You should ask the residents in your area about the specialists operating in that particular area. Your appointment for free consultation may be just a call away. Discuss your situation with the specialist and figure out the way to your dream smile during your free consultation.

You should make most of your free consultation and your initial visit to the dental office for free consultation. You should ask the cosmetic dentist about his educational qualification and check if he has undergone special training needed for cosmetic dentistry. He should be able to perform the latest procedures and offer you the most appropriate and latest procedure for your problem. He should be able to understand your situation and your desire. He should be capable enough to give you the smile of your dream. You should also inquire whether your cosmetic dentist is attested by American Academy of Cosmetic Dentistry.

You should make a keen observation when you make a visit to the dental office. It is mandatory that the office is tidy and neat. The dental staff and the dental doctor must maintain high degree of hygiene standards in order to ensure safe conduct of the procedure and treatment. The dental staff and the cosmetic dentist should take all the necessary measures to see that no pain is caused to the patient during the procedure.

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Cosmetic Dentist

A dentist is especially trained in a specific sub field related to dentistry. You have to choose which type of dentist to visit according to the problem you have. Mostly your own dentist will diagnose your case and refer you to someone else who is skilled and specialized in the area of treatment that you require. Click here for

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Monday, June 19th, 2017 | Author:

The Comedy Legend Is Returning To Its Roots Called Jerry Seinfeld


Guillermo Summers


It’s a distinct possibility that when someone mentions “Jerry Seinfeld tickets,” many people would think that he’s back to taping episodes of his historic sitcom. However, that’s not the case, nor has it been since 1998. Seinfeld was so successful, however, that many people don’t realize that Jerry Seinfeld actually got his start as a popular stand-up comedian. It appears that Seinfeld has come full circle, and below is a look at that circular journey.

Early Life

Jerome “Jerry” Seinfeld was born on April 29, 1954 in Brooklyn, New York. His heritage was an interesting mix, as his father was Hungarian and his mother Syrian, and both were Jewish. His family moved from Brooklyn to Long Island when he was a child, and went to elementary school and high school out on the island.

Seinfeld moved onto college, and he started at SUNY Oswego in upstate New York, but he soon realized that he preferred the city life, and transferred to Queens College. Seinfeld was an amateur wrestler during his college years, and it was also at this time that Seinfeld became interested in comedy.

Career Beginnings

Seinfeld’s biggest comedic influence was Jean Shepherd, whose famous credits included the 1983 movie, A Christmas Story. Seinfeld attempted to incorporate that observational style into his early act, which consisted of several appearances at open mic sessions soon after his graduation from Queen College in 1976.

Seinfeld’s open mic sessions were a success, and he was soon playing his own shows at local New York clubs. Jerry Seinfeld tickets became popular on the local market, and talent scouts spotted him during one of these performances. This discovery led to an appearance on a Rodney Dangerfield HBO special. Once again, he was a hit, and Seinfeld began appearing on late night television with regularity, including The Tonight Show, Late Night with David Letterman and The Merv Griffin Show.

Sitcom Forays

Most people don’t remember this, but Seinfeld had sitcom experience prior to his mega-hit. He appeared on Benson as a semi-guest in 1979, playing the role of Frankie, but he was suddenly fired, and he vowed never to work on a sitcom again unless he had much more control.

That control came in 1989, when he and Larry David launched Seinfeld, which was and is considered by many as the most successful television show of all time. The stories were based loosely on Seinfeld’s and David’s life experiences, and the most famous description for the show is that it was about “nothing.” This “nothing” show ran until 1998, and its success made every cast member a superstar. However, after nine seasons, Seinfeld wanted to move on, and the show wrapped up much to the chagrin of millions of loyal fans.

Post Seinfeld

Since his Seinfeld days, Jerry has been dabbling in several areas, but has also gotten back into on-stage performing. He wrote a few books, recorded webisodes for American Express, and even helped film a documentary in 2002 about life on the road for a comedian. Basically, he’s staying busy in several ways.

Seinfeld still is and always has been about his stand up act, and Jerry Seinfeld tickets will allow you to see a comedy legend in an intimate setting for a night of laughs.

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The Comedy Legend Is Returning To Its Roots Called Jerry Seinfeld


Monday, June 19th, 2017 | Author:

Friday, March 9, 2007

Pakistan President Pervez Musharraf has suspended the country’s top judge, Chief Justice Iftikhar Chaudhry under section 209 of the constitution of Islamic Republic of Pakistan for “misuse of authority”, the country’s information minister Mohammed Ali Durrani has announced. Justice Javed Iqbal, the next in line has been sworn in as acting Chief Justice.

In a public statement issued on national television, Mr. Durrani said that the chief justice is being investigated and the exact details of charges will be made public once the initial investigation is complete.

Chaudry was controversial for taking up investigations into the highly sensitive issue of the disappearance of political activists allegedly detained illegally by the security forces.

Former justice of the supreme court Justice Abdul Qayyum expressing his shock to the entire situation said, “”He (Chaudhry) was an upright person, and the action against him has surprised me,” said Abdul Qayyum, who now works as a lawyer.

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Monday, June 19th, 2017 | Author:
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Monday, June 19th, 2017 | Author:

Thursday, November 8, 2007

India is the latest of the countries where the One Laptop Per Child (OLPC) experiment has started. Children from the village of Khairat were given the opportunity to learn how to use the XO laptop. During the last year XO was distributed to children from Arahuay in Peru, Ban Samkha in Thailand, Cardal in Uruguay and Galadima in Nigeria. The OLPC team are, in their reports on the startup of the trials, delighted with how the laptop has improved access to information and ability to carry out educational activities. Thailand’s The Nation has praised the project, describing the children as “enthusiastic” and keen to attend school with their laptops.

Recent good news for the project sees Uruguay having ordered 100,000 of the machines which are to be given to children aged six to twelve. Should all go according to plan a further 300,000 machines will be purchased by 2009 to give one to every child in the country. As the first to order, Uruguay chose the OLPC XO laptop over its rival from Intel, the Classmate PC. In parallel with the delivery of the laptops network connectivity will be provided to schools involved in the project.

The remainder of this article is based on Carla G. Munroy’s Khairat Chronicle, which is available from the OLPC Wiki. Additional sources are listed at the end.


  • 1 India team
  • 2 Khairat
    • 2.1 The town school
  • 3 The workplace
  • 4 Marathi
  • 5 The teacher
  • 6 Older children, teenagers, and villagers
  • 7 The students
  • 8 Teacher session
  • 9 Parents’ meetings
  • 10 Grounding the server
  • 11 Every child at school
  • 12 Sources
  • 13 External links
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Thursday, June 15th, 2017 | Author:

Risks Involved In Chiropractic Treatment


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Chiropractic therapy is one of the most common physical treatments for back pain, which involves spinal manipulation. The aim is to realign the spine, increase the flexibility of spinal soft tissue, break down scar tissue, increase the range of motion in the muscles of the back, and reduce pressure that occurs from restricted and misaligned spinal joints, all of these help to relieve pain. Chiropractic therapists include not only chiropractors, but also osteopaths and some physical therapists, which diagnose and treat only problems with the muscles, nerves, and skeletal system and do not generally use drugs or surgery.

Chiropractic care now is the third-largest area of medicine, but still it is one of the most misunderstood medical professions. People who have less knowledge about chiropractic care often have some misconceptions about it. Some people think that these chiropractic adjustments will hurt. If subluxations are tense and pain is present there in the back, there will be some pain when the vertebrae are adjusted, but routine chiropractic care is rarely painful. Others believe that chiropractic cure is dangerous because the doctor will be “cracking” their backs and necks. The cracking sound sometimes heard during the chiropractic adjustment comes from scar tissue in the spine, not the bones themselves. While some risks are involved with this type of medicine, but in general chiropractic care is considered completely safe.

Like all types of medicine, there are some minor risks involved with seeking chiropractic therapy. Although being rare, a chiropractic manipulation can cause blood clots. People with degenerative bone conditions, like osteoporosis, seeking aggressive chiropractic treatment may suffer from small bone fractures. So patients with osteoarthritis must avoid twisting chiropractic manipulations as this can cause bone spurs to damage the spinal cord and nerves. Some rare cases have been reported where forceful neck manipulations have resulted in neurological damage and even death. So it is best to avoid spinal manipulations or chiropractic adjustments if you have osteoporosis or nerve damage. Certain groups of people believe there is an increased risk of heart attack and stroke from neck and spine adjustments done in chiropractic therapy, but this is yet to be proven. Because of these risks, many medical doctors may not recommend chiropractic care, even to those patients who can benefit greatly from some chiropractic adjustment. There can be some side effects of these chiropractic adjustments in the form of aches, pains, or spasms for a few days following a chiropractic treatment. A few patients may also experience mild headache or fatigue that generally resolves quickly.

Generally few risks involved with gentle manipulations, but there are some serious ones that can occur in certain situations. To undo such risks patients must look for a good chiropractor and check the credentials of their chiropractic healer. Patients must check with their doctor if they have had any spinal surgery, or back pain along with fever, chills, sweats, or unintentional weight loss. Chiropractic therapy wont help if back pain is due to infection or tumor. These risks can be avoided by giving your chiropractic therapist a thorough account of all injuries and illness the patients have had.

Getting a good Chiropractor for the cure is also as important as the proper implementation part of the Chiropractic. If you follow a bad Chiropractor, then all good things that Chiropractic promises can turn out opposite.

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