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Arnett Hailey

Finance

How to Buy Life Insurance on a Budget?

Expeditious technological advancement and spread of unknown diseases both contribute towards volatility and ambiguity in a global economy. Development of new technologies blow away the need for manual assistance in organizations, which results in opportunity and income loss while new or deadly diseases may end the sole breadwinner’s life.

One of the prudent ways to provide financial assistance to yourself and your family dependents against such unexpected upheavals is to opt for life insurance. Before we explain in detail parameters to factor in to buy life insurance as per your budget, let us define what is life insurance.

What is life insurance?

Life insurance is a contract signed between the insurance company and the insurance holder wherein the insurer promises to pay a predetermined sum to the insured’s dependents upon his demise or after the completion of a set period. The sum assured is paid by the insurer in exchange for a particular premium amount borne by the insured.

As there are different kinds of life insurance options providing financial aid in the form of term life cover, post retirement cover, wealth creation, long term financial goal attainment etc., it is important for you to assess among all the available insurance options to choose the one as per your financial requirement.

How to purchase an appropriate life insurance policy on budget?

In contrast to the popular belief, when you buy life insurance you do not require investing a huge chunk of money upfront. For instance, ULIPs is an insurance plan that combines both life insurance and market linked investment. A part of your insurance premium goes towards insuring your life while the rest is invested in bonds, stocks, market instruments etc. Investment in such insurance plans can be started with usually as less as Rs 3,000 per month to avail long term benefits of numerous bull-runs in market. ULIPs come with a lock-in period of 5 years and qualify for tax deductions as per Section 80C. In case of term insurance, as its premium is based upon the insurer’s age and medical history, purchasing it early can fetch you the insurance at a low premium.

Your insurance premium cost must be viewed as an investment, which allows you and your family a safety net during uncertain events. Hence, you must research in depth to select the correct insurance, which not just would assist you to save on the premium cost but also cater you with sufficient cover.

Here, we will discuss ways on how you can purchase life insurance as per your planned budget:

Purchase it as early as possible

Your age impacts your insurance premium amount directly, i.e. the younger you are, lower is your insurance premium and vice versa. To put it simply, if you buy your insurance at a young age or as early as possible, you will get the policy at lower premiums as compared to if you procrastinate until you get older as there is reduced risk linked with young policy holders. Thus, it is recommended that you buy insurance in your 20s as it saves money on your premium and helps you to avail it within budget.

Follow a healthy lifestyle

For those maintaining a good lifestyle, their premium amount is lower. Insurance companies pay attention to the policyholder’s medical history. Lifestyle linked maladies like hypertension and blood pressure can enhance the premium amount. Thus, it is crucial to follow a healthy lifestyle.

Irony here is when most require life insurance just after they have had a health issue, they are least likely to avail it or may avail it at an extremely high premium. Before providing you with insurance, insurers conduct medical checkups to collect information regarding your medical history. Based on the checkup, insurers either approve or reject your policy request. Thus, ensure to maintain a healthy lifestyle as it reduces the risk of contracting ailments, which helps avail lower premium on insurance.

Use life insurance premium calculator to compare among multiple insurers

Before approving the insurance cover to the insured, insurers check various factors such as the insurer’s age, health condition and income. As the insurance premium is set as per the individual’s risk profile it can vary by a great margin from one customer to another. By using online life insurance premium calculators, insurance seekers can self-check their policy approval prospects as well as determine the suitable insurer as per their budget.

Choose premium payment mode carefully

When buying a life policy, you get the choice to pay premiums in numerous ways – monthly, half yearly or annually. For those who select the monthly premium option, should be careful to pay their premiums monthly as nonpayment can result in termination of the policy.  Also, many insurance companies permit the insured to pay a lump sum premium amount, which gets the holders a good discount on premium. Thus, ensure to compare all the premium payment modes on the platform i.e. monthly, half yearly or annually to choose the one giving you maximum discount.

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Real Estate

Mark Roemer Oakland Gives You Reasons Why You Should Go into Real Property Investment

Introduction

According to Mark Roemer Oakland, real estate investment has developed into an evergreen trend due to a number of reasons. With a little research and the correct preparation, you can diversify your portfolio and improve your capital gains without fail.

The Reasons

Here are a few reasons why you should invest in real properties:

  1. It’s great for retirement savings – Long-term investments are not only more secure but can be a great choice for retirement savings as well. And real estate investments deliver better results when you invest in them for the long term. The best part is that you get more equity in your property as it gets older, and you can decide to sell the property and use the profits to plan for a sound retirement.

Thus, when you invest in real estate, you don’t need to put all your money in 401K or IRA and you can even rent out the property to get some additional money every month, essentially reducing the burden on your investment. Just be sure to consult a tax professional before selling your property to understand how to minimize the tax on capital gains.

  1. You can leverage equity – One of the best parts of investing in real estate is that you can leverage the equity in your property to invest in other projects. For instance, when you renovate the property to increase its valuation or contribute towards the balance by paying the mortgage interest, you can use up to 80% of the equity to invest in more real estate. As a result, you don’t have to save enough money to pay for the down payment of another home.
  1. You can become eligible for tax deductions – Generally, you cannot enjoy many tax deductions if you live in a property that you own. At most, you would be eligible for tax deduction only if you itemize certain things such as property taxes and mortgage interest. However, when you rent out real estate or buy and hold it, it accounts as a business instead of just an investment.

As a result, you become eligible for tax deductions similar to owning brick and mortar stores. This means you can write off deductions for conducting the business, handling the business, and maintaining the business as well. As a result, you get to enjoy more money in profits by reducing your tax liability.

  1. You have a lot of options – There are a lot of ways to make money by investing in real estate. Many people just like to purchase and hold real estate in order to rent it out and enjoy a smooth, monthly cash flow. Others like to purchase undervalued properties, renovate them, and sell them for profit. This is known as fixing and flipping and can be done in as little as six months. You can do this as many times you want until you hit your desired income goals for the year.

Conclusion

According to Mark Roemer Oakland, you don’t need a ton of money to invest in real estate. All you need is a suitable real estate agent that can get you the best deals on the market.

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Business

5 WordPress Hacks for Professional Bloggers

WordPress is the most popular content management system used by bloggers across the world. What makes it popular is its quick and simple installation and easy usage. Also, the CMS comes with hundreds of free themes and plugins that can be used to make your blogging site more attractive and useful for the targeted audience.

The first step in your blogging journey is to build a good and popular blogsite and buy WordPress hosting plans from established service providers. This will ensure that your website is up and running at a good speed thereby enhancing its reach to the targeted audience. Look out for web hosting plans that include good technical support thereby ensuring that the downtime of your site is low and any kind of problems are dealt with quickly.  Some service providers also include SEO tools in their hosting plans to allow their customers to optimise their websites for better search engine rankings.

Here we talk about certain WordPress hacks that can make your task of blogging more efficient.

  • Choose a Good Editing Plugin and a Robust Theme Customizer– Use a WordPress theme that makes the creation of new pages easy and quick besides being customisable. This will help you present your content in the desired format and create a unique brand. Again, a good editing plugin will help in the customisation of data to suit the needs of the targeted group. Look out for mobile responsive themes as more and more people are using the internet via their smartphones.
  • Keep Track of Competitor Sites– Analyse your competitor sites and check out what is better in their websites. Are they using better plugins or themes that are being received well by the targeted audience? This will help you learn about the popular options that may go well with your blogging site too.
  • Use Reusable Blocks in Your Editor Plugin– Certain things like social media buttons should be a constant feature on your website. You may also need to use certain text blocks or a graphic at various places in your website and adding them manually every time can be time-consuming. You can avoid such a situation by using reusable blocks in your editor plugin.
  • Avoid Too many Plugins– While plugins are useful, adding too many of them can slow down your website thereby hurting your visitor traffic. You can always cut down the use of plugins with the help of Google Tag Manager that has the functionality of several plugins including Google Analytics.
  • Add a Sticky Sidebar Widget to Your Site– The inclusion of a sticky sidebar allows readers to easily navigate your site even when they are at the bottom of a blog post. These sidebars are highly useful if your blog posts are long.

Using WordPress maintenance services is important to deal with hosting issues, coding problems or any other issues that may be negatively impacting your blogging site’s performance and reach. When you buy Word Press hosting lookout for features like e-mail marketing tools and speed-boosting CDN to enhance your website’s reach. Some hosting companies offer unlimited web hosting options that are meant to assure you that all your resource requirements for running a blog site will be met easily.

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Home

Essential tips for designing a modern living room

In modern living room designs, a minimalist approach is followed. Hence, you have to choose furniture pieces that are functional but compact. There are various other designing techniques that can help you to create a modern living room design. Mentioned below are a few tips you can use:

01 of 08 Choose an Open Layout

Many modern living rooms feature an open design. An open layout gives you the opportunity to use the available space effectively. You must choose a uniform design to give the space a complementary look. For instance, use the same colour design for your living room as well as your dining room so that both the rooms appear unified and create the illusion of a larger space. In small home designs, an open layout can completely transform the space.

02 of 08 Allow natural light to enter

Whether it is your living room or dining room, natural light and fresh air play a very crucial role in modern home designs. Make sure that sufficient natural light and air can enter your modern living room so that the space appears brighter and feels brighter. You can bring in plenty of natural light indoors by installing large glass doors and windows. To ensure privacy and control the brightness, it is important to opt for curtains or blinds.

03 of 08 Choose neutral colours for small spaces

In small modern living room designs, experts suggest opting for neutral colours like beige, white, or muted grey, etc. This is because light colours are a better reflector of light and make the room appear brighter and create the illusion of a larger space. However, if you feel that using only neutral colours is making the modern living room design boring, you can consider adding a few colours by creating an accent wall. Also, you can incorporate colourful decor items, furnishings, rugs, curtains, cushions, etc. Be careful while choosing the colours. If they do not complement each other, the overall appeal of the room will diminish.

04 of 08 Choose sleek furniture pieces

For your modern living room design, you must always opt for compact, comfortable, and sleek furniture pieces. Make sure they do not have elaborate designs and appear heavy. Minimal furniture pieces make a space appear spacious and clutter-free. To add more textures to the room design, you can choose leather or natural fabrics for the upholstery.

05 of 08 Only use natural materials

A modern living room mostly features natural materials such as bamboo, wood, and stone. These materials help to make space appear warmer and more inviting.  Also, natural materials are more sustainable. Whether you need materials for your flooring, accent wall, or furniture, there are various natural materials available that you can use.

06 of 08 Opt for smart storage

As mentioned earlier, modern living room designs are clutter-free. To ensure that the room appears clutter-free and spacious, you opt for smart storage. For instance, there are many furniture pieces available that come with built-in storage. You can opt for such multi-functional furniture pieces for your living room so that you can store various items in them when necessary. This will eliminate the requirement of additional storage and hence, you can ensure clutter-free interiors.

07 of 08 Choose items with metallic finishes

If you want to give your modern living room design a posh look, choose items for your room that feature polished metallic finishes such as stainless steel and chrome. These items can be anything from your mirror frames, pendant lights, steel tables, etc. You can also choose door knobs, cabinet handles, and other small items with similar finishes as well.

08 of 08 Do not display too many accessories

To prevent clutter, avoid adding too many accessories to your modern living room. For instance, choose a large painting for hanging on your wall instead of a group of small paintings.  Choose minimalist and sleek accent pieces to decorate your living room. Using plants for decorating your modern living room is a great idea as well. Make sure that you choose beautiful pots for your plants that complement the rest of the decor of your house.

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Business

HOW TO START A SUCCESSFUL MUSHROOM FARMING BUSINESS

Mushroom farming is a prospective business venture that can earn you profits in just a few weeks as long as you put in all the right effort. Plus, oyster mushroom farming is fairly easy whether you are in an urban or rural area. One of the reasons most people prefer oyster mushrooms to button mushrooms is because they have low-fat content; therefore, they are suitable for controlling obesity. Oyster mushrooms are also beneficial in preventing the risks of diabetes and hypertension.

Here is how to start a successful mushroom-growing business.

Create a mushroom growing house

The first step is to create a mushroom growing room where you will stack mushroom spawns for growing. Mushroom spawns are substances inoculated with mycelium. Mycelium is the vegetative growth of fungus. The spawn comes in handy for transferring the mycelium into the material the mushrooms will grow, known as the substrate.

You can buy a ready-to-inoculate spawn, but the good thing is that you can produce your spawn through a sterile culture to cut farming costs. You also need a good substrate. Some of the widely used substrates for oyster mushrooms include straw, cardboard, hardwood sawdust, coffee grounds, and other organic by-products like cotton waste.

Spawning and disinfection

You must disinfect the floors and walls of the mushroom grow room, the substrate, and compost beforehand. To disinfect the compost, pour it in 100liters of water in a drum, leave it for a day, then take it out and spread it to dry. From there, you should do your spawning in a planned way. Put about 100gms of spawn per polythene bag, then three to four layers of compost. Then make small holes on the bottom of the polythene bag for airflow.

Incubation

You should maintain the temperature in the growing room at around 78degrees Fahrenheit for at least 20days. Ensure no natural light enters the grow room, so you should cover all the windows and any cracks. You should only use a red light when you need to check on the mushroom bags. After some time, you will start noticing some small pinhead mushrooms around the holes in the polythene bags. That signals you are ready to proceed to this next step.

Fruiting

At this stage, maintain the temperature at 65-70degrees Fahrenheit, and you also need high humidity. During this phase, the plants also need natural light, unlike the incubation phase. So it would be best if you exposed them to at least 12hours of light a day. You also need to shock the mycelium to trigger fruiting, so you can move the bags to a cool area like the basement for a day then take them back to the grow room for fruiting. Cut open the bags to enable the mushrooms to grow.

Harvest

You can harvest your mushrooms just before the mushroom caps fully uncurl. Twist the stem near the growing block as much as possible to harvest.

Market and sell

Finally, market and sell your oyster mushrooms to earn profits. Always remember to create a market for yourself as you grow the mushrooms to ensure maximum profits.

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News

Best Boxing Equipment

Boxing is a sport that has evolved in years, attracting millions of fans worldwide. The sport accumulates more fans; it is being viewed as brute strength. But the true essence of boxing is a skill and not muscle. Another factor to consider for a fighter to win a match without considering his strength is buying and owning good equipment.

However, there is that equipment for fighting and others for training, so a fighter must differentiate between the two. There a lot of equipment’s for boxing in the market from different companies. It is required for any fighter to read more on equipment they want to get. Some of the equipment is explained below.

Boxing Gloves

There are different varieties of boxing gloves on the market. It is best for the fighter to know the right size, according to their body weight and the weight of the glove that suits them perfectly. Boxing gloves are the essential equipment in boxing needed by any boxer, and they provide ultimate protection to your metacarpal bones. The gloves not only protect the metacarpal bones but also soften the impact of a knock when you hit your opponent, reducing the risk of cuts.

There are diverse types of gloves, and each of them plays a specific role. There are gloves used for training, sparring, and fighting, and each of them is different from another. The training gloves have more padding than the sparring gloves and the fighting gloves. The sparring gloves protect both you and your sparring partner; hence they have more padding than the fighting gloves. The gloves are selected with weight which is expressed in ounces. While training, you may be using between 10-14Oz gloves, and for fighting, you can transit to 8Oz gloves.

Source:https://images.unsplash.com/photo-1509255929945-586a420363cf?ixid=MnwxMjA3fDB8MHxwaG90by1wYWdlfHx8fGVufDB8fHx8&ixlib=rb-1.2.1&auto=format&fit=crop&w=697&q=80

Protective Equipment

The protective equipment plays a fundamental role in protecting the boxer while They are training or fighting. They also protect them from mechanical damage and cover some of the delicate parts of the body when an opponent hits you with a crucial punch. The protective equipment includes; Head guard, Mouthguard, Hand wraps, Support cup, and boxing shoes. Each of the following equipment protects the boxer from different damages, either in fighting or while training.

Boxing head guards are essential items when taking part in boxing matches and competitions. The head guard is aimed to protect the face and the skull reducing the force and damage your opponent can cause when knocks you. The heard guards also protect you from diseases like memory loss, motor disabilities, or nose fractures that result from shocks your body gets following a series of knocks and punches from your opponent.

Mouthguards are designed to protect your teeth, mouth, tongue, and jaw from your opponent’s punches. It is recommended to buy the right size mouthguard that fits you. The hand wraps provide wrist protection while the support cup protects the male reproductive system from unintentional knocks from the opponent. Boxing shoes are essentials because they provide a grip on the surface while practicing or fighting. The boxing shoes are light hence allowing quick movements and agility. The shoes also allow sweat to evaporate quickly, and the inside is kept dry.

Bunching bag

Punching bags are an essential item in boxing when a fighter train is said to be the best friend. When hitting a punching bag helps you improve your boxing technique. There are two types of punching bags: a Hanging punching bag and a free-standing punching bag. The punching bag improves eye coordination, balance, and stability. It also helps one to reduce stress while hitting the punching bag hence increasing strength and power.

Source:https://images.unsplash.com/photo-1501116518234-f32f28802bd1?ixid=MnwxMjA3fDB8MHxwaG90by1wYWdlfHx8fGVufDB8fHx8&ixlib=rb-1.2.1&auto=format&fit=crop&w=751&q=80

Speedbag

Speed bags are one of the equipment that are designed to help boxers to improve their boxing skills. Some of the gains of using a speed bag are hand-eye coordination, increase punching speed, mental focus, improve shoulder and arm strength, improve stamina and accuracy. The speed bag is usually filled with air and fitted around a tight leather material.

Boxing ring

Boxing ring is an important equipment for any boxer to have while training before going to boxing competition. It helps the competitor experience the ring and gets used to it before going to a contest. In contrast, training in a ring one can improve agility and balance before entering a real fight ring. The ring can help you maintain focus, clear your mind relieving stress, and maintaining low pressure in the ring.

In conclusion,

Boxing equipment help contenders to improve their boxing skills as they practice and where them. It is evident that equipment like; Boxing gloves, head guard, mouth guard, and support cup has helped boxers protect themselves from crucial damages when fighting. Also, equipment like; Punching bags, speed bags, and boxing rings has helped the fighters improve their techniques. Boxing equipment is expected to broaden in the future, giving a better experience in boxing.

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Photography

Confessions of a webcam model: “This profession makes me feel 10 years younger”

A non-adult webcam model who preferred to remain anonymous, for obvious reasons, shared her thoughts on this profession that is quite misunderstood by people outside it, and even by those who want to begin a career in this field. We present her point of view below, hoping that it will help you make the best decision for your future. If you decide to change your life and enter online modeling, you should know on what premises you start, and what to expect, at least in the first months, when you get used both to your colleagues, as well as your members.

“Usually, when women fall in love, they tend to forget that love goes through the stomach. I used to be the same when I was 30 and I found myself in a very difficult situation: with a child to raise and an unemployed husband. As you all know, raising a child is very difficult and expensive, therefore we needed money quickly. However, since I lacked any relevant experience, I couldn’t find work anywhere and I was becoming more and more desperate. When I was a student, I used to have fun, then I got married and I had a child, so I had no time to gain experience”, said the webcam model working for Studio 20 – www.studio20.live, the biggest and most successful non-adult cam agency in the world.

“The decision to become a webcam model seemed weird at first. Even though I was only 30, I felt like 40 because most of my colleagues were younger. I always thought that this is a profession for younger girls who are in their 20s, therefore I wasn’t sure I would be able to handle this career. I scheduled numerous interviews with different agencies, but I canceled them at the last minute because I got scared. However, something made me trust Studio 20 and, to my luck, I was accepted to work with them”, she said.

“Here, I met extraordinary people, who showed me warmth and understanding from the first minute. At first, I wasn’t really self-confident, but my colleagues made sure I was aware of my qualities and gave me useful tips & tricks to become a top non-adult webcam model. Their support, as well as the fact that I had a working schedule for the first time in many years, reminded me of my purpose in life and made me fight for it. I can’t describe the feeling of satisfaction I get from this professional activity, and I can say that now I don’t feel 40 anymore, I feel 20! I am very grateful to the people around me and I hope that, when I won’t be able to be a cam girl, I will offer my experience to beginners, as a trainer or studio manager”, she added.

In conclusion, age is just a number when it comes to webcam modeling, especially the non-adult one. And, if you are lucky enough to join a professional studio, you won’t have any problems integrating and getting along with your members, colleagues, and, most importantly, members.

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