Calculate Needs Before Buying Insurance

Insurance mis-selling is prevalent and is damaging the development of the industry. In fact, majority of insurance experts accepted this fact on various occasions. Generally, intermediaries are the first to be responsible for it especially an agent who sells only those products that earn maximum commission. It is considered as the most popular reasoning in Indian insurance sector. However, there are various other reasons why a customer ends up purchasing a wrong policy. It means that it is not always mis-selling but sometimes mis-buying’ as well.
It may happen because of lack of awareness, buying insurance just to save tax and using policy as a tax saving tool. Some challenges are also experienced by financial planners as well to convenience customers why a product is correct for them, to get the right and full information from them for exact assessment of their profile and portfolio. To handle these procedural challenges, a few years ago, Insurance Regulatory and Development Authority had proposed doing a customer need analysis’ before selling a life insurance policy. In January 2012, IRDA’s draft guidelines introduced and also proposed a mandate on intermediaries and the insurers to fill-up a standard need-analysis worksheet of the buyer before it affects sale of term insurance.
It was to make sure that the plan which is proposed to be sold is suitable for the prospect and fulfills policyholder’s requirements. Also, this is aimed at handling under-insurance and is widespread among insurance customers. Though, the proposal has not been implemented in the proposed format, a few insurance companies in India have introduced a few need analysis features. Different needs arise at different age stages, so this tool works by understanding the life stage customer is at, single, married, married with a child, nearing retirement and life after retirement are some very common stages in a product matrix.
Protection requirements are analyzed when customers have chosen life stages. For example, person with a child has more insurance needs as compared young, single person who does not have any dependents. These protection requirements reduce when dependents become independent and loans are paid. Customer’s next step should be assessing their targets and motive of purchasing insurance. Do you want to buy a policy for child’s future education requirements or accumulate a corpus for post-retirement life? Do not forget that the need for investment and savings are connected to the achievement of different financial goals and the plan customer buy must be able to fulfill these needs.
Generally, the need for regular income arises after retirement and customers also need more health cover with advancing age. The analysis tool will help buyers to calculate exact needs as per their goals and prioritization. There are several online tools available for goal-based long term wealth creation, retirement planning and health insurance requirements. A pension plan will be more important as compared to short-term goals such as buying a vehicle or a foreign tour. Those who do not have sufficient life insurance coverage should buy addition protection in terms of rider plans.

Video Games Becoming Addictive To Children

Parents, teachers, and adults are beginning to wonder with all the research being done on video games if children are not becoming obsessive even addictive to video games. Most of the research that has been complete have focused on video games that have more of a violent theme due to the behavior now appearing in children.

Researchers do feel that there is a connection between violent video games and violent behavior in children. It is felt that when these violent video games are played repeatedly then the children will have aggressive thoughts and become less helpful to others and less sociable as well. In video games where the goal is to kill as many characters as you possible can, then the objective turns into the violent the kills are the more points that they will collect. While a child is playing such a game ninety-nine percent of the time their heart rate will increase dramatically due to the affect the game is having on them.

A study was done by three teenagers and was put on observation at an International Science and Engineering Fair in Cleveland, Ohio that showed how video games affected children who played them. The study showed that people, not only children, or all ages had a rise in blood pressure and heart rate after they played a super violent video game. However, when the same person played a nonviolent video game did not have the the same effect as the violent video game.

Children all over the world play these violent video games every day and some play for more than three or four hours a day. There will always be a debate as to whether violent video games can actually make an individual have behavior that is of an aggressive and violent nature, but the fact is that these video games are addictive to children. It is true that playing video games can help children develop their visual skills while learning about computers, which may help them in school. In fact, studies are now showing that video games can be helpful for children.

The fact is that video games are proving to help children that labeled ADD or ADHD learn how to focus their attention. Video games are often innocent bystanders to the problems in society. Video games have the potential to inspire children to learn if it is presented in the right manner to children. Video games have already proven to have the capability of improving the coordination and visual skills of children that play them.

Children tend to choose video games that have the combination of being challenging, entertaining, and complicated. Many of these video games can take up to one hundred hours of play to complete and most children will have their concentration focused on the video game the entire time. Children that are labeled with ADD and ADHD by teachers are those children that can not sit still in school, but this might just be because they find the school work boring, because the majority of these children can spend hours trying to make it to the next level of a video game.

These same children, who professionals feel can not pay attention, can play a video game for ten straight hours if given the opportunity simply because the game focuses their attention in a way school is unable to try, which is interactive. These children are not simply sitting and watching, but are participating in what is going on and solving problems.

Financial Planning – The Key To Your Lifelong Success

Financial planning is not limited to asset allocation, mutual funds, and fixed-income investments – planning should include every aspect of your life.

Should you apply for that credit card? What type of car insurance should you buy? Should we save for our child’s college or put money in our IRA’s instead? These and many more questions are all part of financial planning.

The Larry Rule – A Little Known Financial Planning Fact

Larry Lindsey is not a famous name, even in financial circles. Currently, Mr. Lindsey is the chief economic advisor to the Bush Administration. In 1996, he was a Federal Reserve Board Governor – and he was denied for a Toys ‘R Us credit card!

To apply or not to apply, that is the planning question. Larry Lindsey, who had excellent credit and a high-income level, set out to demonstrate a flaw in credit scoring algorithms.

He simply applied for every retail store credit card he was offered, and in no time he had “too many inquiries.” Never mind the fact that he had millions in assets and nary a late payment in his 30-year credit history.

Knowing the Larry Rule is key to your financial planning. If you apply for retail store credit cards every time you are asked to do so, it will have negative effects on your credit.

You may then be asked to pay a higher interest rate on your mortgage or home equity loan, which could cost you tens of thousands of dollars. Sacrificing $10,000 for a 10 percent discount at Fashion Bug is not smart planning!

Auto Insurance and Financial Planning

Most people think of insurance as a legal necessity, but in reality, it is a financial product, and that’s important to keep in mind. Don’t ever buy insurance just because it’s legally required or in order to give yourself peace of mind. Insurance must serve a financial planning purpose!

You need to have a planning strategy in mind when you purchase auto insurance. The insurance company’s goal is to get you to pay more in premiums than you take out in claims – thus, they profit.

Your goal should to pay as little in premiums as possible in order to be adequately covered. You don’t want to have to use your auto insurance, but at the same time, you don’t want to be subsidizing the bad drivers who take out more in claims than they pay in.

In order to develop a financial planning strategy for auto insurance, it’s important that you become as educated as possible on the subject. Luckily, there are dozens of great sites on the internet that provide free information on the various types of auto insurance plans, and the particular laws of your state.

Everyone has to own some form of auto insurance, and thus it should be the cornerstone of any intelligent planning strategy.

The Financial Planning Dilemma – College vs. Retirement

American parents love their children and will do almost anything to ensure they have every possible advantage. As a result, many parents save for their children’s college instead of saving for their own retirement. This act of selflessness is usually not a good planning strategy.

In order to avoid this mistake, one must have a decent understanding of financial planning tax implications. Most college savings accounts are taxed on some level, whereas financial planning products for retirement purposes generally are not. What’s more, saving for your child’s college can prevent him or her from receiving the maximum financial aid available.

In other words, by foregoing your retirement in favor of your child’s college, you are actually subsidizing the children of less responsible parents – or smarter parents who chose to save for their own retirement, in light of these facts.

Play Free Online Games For Fun

Online gaming is so popular with people of all ages, whatever types of games you like you are bound to find something to suit you online. You might also be surprised to know that there are lots of websites that will allow you to play free online games for as long as you like without having to spend a single penny. If you are a fan of flash RPG games you will not be disappointed as there are free online adventure games that you can enjoy. This will come as a relief to many parents who might already be paying monthly fees for their children to play the fantasy games that are so huge right now. Don’t pay a monthly subscription to RPG games check out the free adventure games online and join in the fun.

Maybe flash RPG games are not really your thing, if you are looking for different online games to play such as action or word games there are plenty of websites that offer this too. So why not go online and type �play free online games� into your search engine and see what results you get. Once you have found a website that offers free online games sign up and away you go. You can play free online games as often as you like � there is no limit to the amount of times you can log in and play for free. For a different way to find great websites to play free online games on you could check out some of the online gaming forums and ask users which are the best free gaming sites. That way you will find out which websites have the best games and which are the most popular without having to do the research yourself.

Often on websites that provide free gaming members have the option to buy the full, deluxe version of the games they enjoy playing. This can be good if you want to have a permanent copy of the game that you can play when you are not online. You are not under any obligation to do this however and if you just want to play free online games that is fine, you should never be charged to pay at all on these sites.

Some websites that let you play free online games have links in them to sites where you can play the same games but for money. These can be good fun for over 18s who are looking to add a little bit of excitement to their gaming. However it is important that anyone under the age of 18 does not play on these sites as it is illegal for them to do this. So if you have children who are using the internet to play free online games make sure that it is legal for them to be members of the websites that they join and monitor the website. So if you want to be able to play free online games when you feel like it go online now and get clicking!

Love And Sexuality

Love may it be as sexuality that leadeth bodies to acts of carnality
strokes, touches that maketh the spirit take rise though they be merely of the flesh
all for committing the body and our souls to be inspired to take flight
going beyond the frame work of what we know to be our corpulent self

however may we question if love not
haveth strength sufficient to stand on its own axis
fore if adoration exclusively be a phenomenon of mind
caused by a being whose qualities we place above ourselves
then need there be contact of a physical nature
other then what passes the eye

Be it love by necessity sexuality?
Need there be this contact
which perhaps lends loam to our bodies
evading the essence of the sentiments
that of own strength suffice to gallantly declare love?
would not the force created by the sentiments of the mind find themselves
susceptible by the more lethargic crude matter that allow us not to transcend
to luminous beings of grace
Is it be our nature be too base
for higher emotions of the spirit to dwell in us
thus it be via contact which arriveth in the form
of comic acts that serve no further purpose
then delight of the moment.

For if love be truly of a higher tonality then all other known to us
capable of ennoblement of our spirits
then can our corporal secretions purely degrade this
which our minds have conceived
with intent of elevation the basic soft tissue that
composeth our earthly souls?

if ever there be queries that haveth not counters
fore their rhetoric not grant their blessing this be one
for whose acumen be up to decide for others?
Fore constantly be the ways of adoring that shalt seekth
same vocation as yee whose adoration beth thy guide
to rapture of the sanity
yet be it that some might intend to don
it is not the wisdom of the erudite
that be apt to resolution of what love might behold

Gender, Sexuality And Religion

Gender and sexuality have been issues that are in discussion for sometimes now. Gender all around the world in every religion regards to some important discrimination that has been made. God is not gender bound as His role to us as human beings is like a father and a mother. The two sexes were created when he created this world, male and female. The sex is another biggest creation of God when he chose the two male and female to love and show their feelings.
Gender discrimination is an issue in all the religions and predefined rules are determined to the role of each. The male is the dominant part of the family including the females. Females are supposed to be the generation builder for the families. In the contemporary periods, the definition of all these issues has been changed. In various religions like Jews and Christians various modern ideas have been generated which have made the woman if this age to be lot more rights that were supposed to be practiced by them. According to the religion, the relation between male and female is the god gifted and provides you with the experience of love. Even in Christians the gender issues are highly distinguishable from all the issues and their importance was determined at the times when the holy books were written.
Gender is a necessary object for evolving. The human generation only evolve when the male and female get together to experience sex. Nowadays, in American society comprising on most of the Christians, the role of females is pretty much changed. The teachings of Jesus have not been followed in this time. Where the females are free to occupy any place they want. Also the respect that is given to the females is long gone in this modern society. The government seems to support the rights of females but that has made the females to leave their duty of generation. The sex was considered to be a sin in the long gone ages when the teachings of Jesus were followed strictly. The one committed this sin was subjected to various punishments. But now in this American society, sex is very common. Not in America only, in all the parts of the world where Christians live, they don’t feel it as a sin but look at this as their right of freedom that has been given to them by the governments.
The females are not secured in this society as well. We are looking at various attempts of rape going on in the country. That is the reaction of the relaxations that have been given to the people upon the practice of their religion.
Another important factor in the gender issues related in the Christians is the homosexuality. This issue is a hype issue that has gained popularity in recent years. Church prohibited this act as the biggest sin of the humanity to have same sex, but we are looking at the people who are committing this sin and there is no stoppage on them because of the freedom of choice that has been given to them.

Evaluate The Video Games You Are Playing

There are hundreds of video games on the market today and more are being released onto the market every day. The only problem with these video games is figuring out what games should be played by your children.

Young people are not as concerned with the contents of the video games they are playing as much as adults. That is why adults have such a strong desire to evaluate the video games their youngsters are playing. Many parents try their best to find decent video games for their youngsters to play but there are still questions that unfold in the minds of these parents when their youngsters are playing new games. Parents and adults alike are concerned with how video games that involve killing people or destroying things will effect their children in the future. They are also concerned with video games that have immoral content, illegal content, or contain occult activity. Parents have to protect their children any way they can, especially since there are so many negative influences out there for them already.

There are video games that parents will have no problem with their children playing on their video game system, which would include almost any type of sports video game such as skateboarding, baseball, or football. Video games are actually a way for children, even some adults, to take a step away from reality, but the video games should still install some type of moral values in the children.

As long as the children are not placing the playing of these video games ahead of their other responsibilities, such as school, and if they know the difference between right and wrong, then that is a different matter. The major problem is that few parents are willing to take the time to show their children what is right and what is wrong within some of the video games that they play. Instead, these parents just allow their children to sit in front of their televisions playing what ever video games they choose without any adult supervision what ever.

These video games are highly addicted to children and adults simply because in the game the player is given the ability to control every situation. Many times in the life of an individual they may feel as if their life is simply out of control and the video games allow them to feel as if they are once again in control. This is why so many adults also become addicted to these video games as well as children and another reason why they are so incredibly popular.

In real life, many children and adults find it hard to find respect or to get others to listen to them and they often become overwhelmed with life. However, these video games give them the opportunity to be respected, strong, popular, cool, and even sexy, which they strongly desire to be in real life. This is the result behind so many of these video games becoming so popular with gamers in a variety of age groups. These video games gives gamers the perception of them actually being involved in the game as being a part of the game.

It does seem a shame that these games are being developed and parents feel the need to evaluate them prior to the children participating in them due to so many of them having obscene and immoral content. It seems that the manufactures of video games could produce games that were considered to be more along the lines of family games. These video games would be worth while and would not have such a diverse effect upon children as some of the games being produced now.

Chicago’s Magnificent Miracle Mile The Hottest Commercial Real Estate In The Midwest

Can you afford commercial real estate on the Chicago Magnificent Mile? If you can, your business will be in good company, and you can make a lot of money!

A festival of restaurant dining, theater and jazz experiences, shopping, hotels and entertainment, Chicago’s Magnificent Mile is abuzz with activity from Spring through Fall, and those merchants and commercial vendors who are lucky and wealthy enough to rent space in Chicago’s most productive real estate market, are the fortunate recipients of some pretty hefty income.

The Magnificent Mile stretches from Randolph Street to North Avenue and from Lake Michigan to the North Branch Canal, and it is Chicago’s most expensive commercial real estate.

The landscape is flush with fancy hotels including the Inter-Continental, the Ritz-Carlton, Hilton, Omni, Le Meridian, Hyatt, Wyndham, the Westin, the famous Whitehall and many other world-renowned hotels share this prestigious real estate, and the Greater North Michigan Avenue Association manages the business district.

Within this precious Chicago real estate, street festivals, garden shows, food festivals and other events are planned, all to bring local residents and tourists to spend their entertainment dollars.

Along this stretch of expensive real estate you can also find posh, formal restaurants like Les Nomades, and NoMi intriguing international restaurants where you can find Brazilian, East Indian, French, Italian and cuisines from many countries around the world.

The Chicago Shakespeare Company is also in residence in the Magnificent Mile of Chicago Real Estate, as are a number of jazz clubs and galleries like Kenneth Probst, Peter Bartlow and R.S. Johnson, selling fine art, antiquities and much more.

Water Tower Place, the Shops at North Bridge, Chicago Place and the North Michigan Shops also offer commercial real estate opportunities in well-advertised storefronts, malls and real estate centers.

If you are looking for commercial real estate in this area of Chicago, be sure you employ a reputable broker. Rents are high and real estate is precious. Options to extend commercial leases and expansion options to take on more space will come at a premium in this real estate market.

Upscale brokers like Gordon McAdam, Property Management companies like Zeller, and Executive Suite brokers like AMATA deal in finding and leasing commercial real estate and space to businesses in this area.

If you are looking for Chicago real estate on the Magnificent Mile, be sure you find a company that will work with you to assess your square footage requirements, and do an office or building search that will take into consideration the ideal location for your type of business.

These companies can also help you analyze the commercial lease you will be asked to sign and negotiate more favorable terms. Some have partners that offer architectural and build-out services for your real estate needs, and even move-in and utility hook-up services.

If you DO rent commercial real estate along the prestigious Magnificent Mile in Chicago, make the most of your network by joining the Greater North Michigan Avenue Association. Membership in this business and real estate district association provides you the opportunity to participate in business-to-business marketing activities and to have your logo and business identify advertised and promoted in the Magnificent Mile events and activities.

The Board of Director’s for this Chicago real estate business district and association always includes prestigious hotel managers and business managers for large commercial vendors like Neiman-Marcus, as well as business district and service vendors who provide the local transportation. These are good people to know if you want to promote your business.

Get to know the individuals who share this small square of real estate with you and leverage their connections to help you make more money and pay that steep rent bill every month.

Per square mile, this patch of Chicago real estate will produce more income for your business, but it will cost you a pretty penny to house your business here.

If you want to consider Chicago real estate with a slightly less onerous price tag, you can consider real estate in the Riverfront area, which is very near the Magnificent Mile and attracts lots of tourists. There are lots of events there and the overflow of shoppers and tourists from the Magnificent Mile is a definite advantage to renting commercial real estate in the area.

Breast Cancer – Causes, Symptoms And Treatment

Breast cancer is a malignant (cancerous) growth that begins in the tissues of the breast. Over the course of a lifetime, one in eight women will be diagnosed with breast cancer. Breast cancer is a cancer of the breast tissue, which can occur in both women and men. Breast cancer may be one of the oldest known forms of cancer tumors in humans.Worldwide, breast cancer is the fifth most common cause of cancer death (after lung cancer, stomach cancer, liver cancer, and colon cancer). Breast cancer kills more women in the United States than any cancer except lung cancer. Today, breast cancer, like other forms of cancer, is considered to be a result of damage to DNA. How this mechanism may occur comes from several known or hypothesized factors (such as exposure to ionizing radiation, or viral mutagenesis). Some factors lead to an increased rate of mutation (exposure to estrogens) and decreased repair (the BRCA1, BRCA2 and p53) genes. Alcohol generally appears to increase the risk of breast cancer.

Breast cancer can also occur in men, although it rarely does. Experts predict 178,000 women and 2,000 men will develop breast cancer in the United States. There are several different types of breast cancer. First is Ductal carcinoma begins in the cells lining the ducts that bring milk to the nipple and accounts for more than 75% of breast cancers. Second is Lobular carcinoma begins in the milk-secreting glands of the breast but is otherwise fairly similar in its behavior to ductal carcinoma. Other varieties of breast cancer can arise from the skin, fat, connective tissues, and other cells present in the breast. Some women have what is known as HER2-positive breast cancer. HER2, short for human epidermal growth factor receptor-2, is a gene that helps control cell growth, division, and repair. When cells have too many copies of this gene, cell growth speeds up.

Causes of Breast Cancer

Simply being a woman is the main risk for breast cancer. While men can also get the disease, it is about 100 times more common in women than in men. The chance of getting breast cancer goes up as a woman gets older. Nearly 8 out of 10 breast cancers are found in women age 50 or older. About 5% to 10% of breast cancers are linked to changes (mutations) in certain genes. The most common gene changes are those of the BRCA1 and BRCA2 genes. Breast cancer risk is higher among women whose close blood relatives have this disease. The relatives can be from either the mother’s or father’s side of the family. Woman with cancer in one breast has a greater chance of getting a new cancer in the other breast or in another part of the same breast. This is different from the first cancer coming back Many experts now believe that the main reason for this is because they have faster growing tumors. Asian, Hispanic, and American Indian women have a lower risk of getting breast cancer. Certain types of abnormal biopsy results can be linked to a slightly higher risk of breast cancer.Women who have had radiation treatment to the chest area (as treatment for another cancer) earlier in life have a greatly increased risk of breast cancer

Some pregnant women were given the drug DES (diethylstilbestrol) because it was thought to lower their chances of losing the baby. Recent studies have shown that these women (and their daughters who were exposed to DES while in the uterus), have a slightly increased risk of getting breast cancer. Use of alcohol is clearly linked to a slightly increased risk of getting breast cancer. Women who have 1 drink a day have a very small increased risk. Those who have 2 to 5 drinks daily have about 1 times the risk of women who drink no alcohol. The American Cancer Society suggests limiting the amount you drink.Being overweight is linked to a higher risk of breast cancer, especially for women after change of life and if the weight gain took place during adulthood. Also, the risk seems to be higher if the extra fat is in the waist area. Breast-feeding and pregnancy: Some studies have shown that breast-feeding slightly lowers breast cancer risk, especially if the breast-feeding lasts 1 to 2 years. This could be because breast-feeding lowers a woman’s total number of menstrual periods, as does pregnancy. Women who began having periods early (before 12 years of age) or who went through the change of life (menopause) after the age of 55 have a slightly increased risk of breast cancer.

Symptoms of Breast Cancer

1.Lumps.

2.Rash.

3.Breast Pain.

4.Cysts.

5.Nipple Discharge.

6.Inverted Nipple.

Treatment of Breast Cancer

1.Hormonal therapy (with tamoxifen).

2.Chemotherapy.

3.Radiotherapy.

4.Surgery.

How Airport Parking And Airport Hotels Make Travelling Easier In Gatwick?

Besides the businesses are growing and they can no longer survive being localized. Thus for various conferences, events, trade fairs etc even corporate engage in air travel etc. The massive increase in air travel has also led to the increase in the utilization of the services offered by Gatwick Airport Parking and Gatwick Airport Hotels. The use of same offers great savings in the budget and makes available to you superior services.

Gatwick airport parking is a smart decision if you are driving yourself to the airport. Besides international flights may have very inconvenient timings. If in case you have an early morning flight, why not start your vacations a night earlier? Instead of driving yourself to the airport at odd hours, drive in by the night, park your car in the safe Gatwick Airport Parking and then possibly go and relax in the Gatwick Airport Hotels. This way there will be no pressure to get up early else you’ll miss the flight. Wake up at your convenience and then simple board the flight.

You should also consider this if you are travelling from a far off location. Gatwick, in case you are not aware of, is the second busiest airport in London. Thus you can’t predict the traffic conditions and etc. Thus instead of being in rush, drive in early, park your vehicle in the Gatwick Airport Parking, relax in the Gatwick Airport Hotels and calmly board your flight on its scheduled time.

Gatwick airport parking services are very beneficial for you. You not only have the freedom to book in advance and online, but Gatwick Airport services provides you with chauffeur services, a meet and greet service, short-term parking, long-term parking and now even a hotel and parking option.

Besides as against to the widespread misconception that Gatwick Airport Parking is expensive and he indulgence of riches, it is in fact very affordable. Further you may also book the same sitting online and enjoy heavy discounts on the total costs, sometimes up to 60% and beyond.

And you receive responsible services at Gatwick Airport Parking. You may use the service for a short period of time or long, depending upon your need, but be assured that your vehicle will be kept safe and secure. So you may go on and enjoy the vacation or the business trip, while your vehicle will be continuously monitored, reassuring safety of it.

In case you are a little clumsy with car parking and can’t remember where you parked it and it causes a wee bit of a mess, you may also access the meet and greet services provided by Gatwick Airport parking. With the meet and greet service, you have the liberty to drive up till the terminal of the airport. There you’ll meet the driver who will carefully take the car from your and will park it in the parking area. Once when you arrive back, the driver will bring your car back to you. And don’t worry; they are all trained to do this.