Saturday, January 30, 2016

Term verses whole life it pays

You have made a wise, responsible decision when you have decided to purchase a life insurance policy.


Life insurance can be an expensive purchase, too; because of this, many people choose not to pay for something they are not required to purchase. However, life insurance is important to both you and your beneficiary.


There are two basic kinds of life insurance – term life insurance and whole life insurance. There are also different kinds of term and whole life insurance policies, which means potential policyholders have a variety of options.


Therefore, consider doing a little research on the different kinds of life insurance policies, and purchase the one that best suits your needs, as well as the needs of your beneficiaries.


Term life insurance policies:


• Are pure life insurance, meaning they normally do not offer any other benefits other than death benefits.


• Offer life insurance protection for a specified amount of time.


• Are generally less expensive than any other kind of life insurance policy.


• Can be purchased as level term life insurance policies, which offer the same death benefit the entire duration of the policy, or decreasing term life insurance policies, which offer death benefits that decrease each year over the duration of the policy.


• May be purchased as “return of premium” policies, which means the policyholder will receive all or a portion of the premium paid over the course of the policy.


Whole life insurance policies:


• Offer not only life insurance coverage, but provide a savings component as well.


• Offer life insurance protection for the rest of the policyholder’s life.


• Are generally more expensive than term life insurance policies.


• Can be used as estate planning tools.


• Can be purchased as traditional whole life insurance policies, universal whole life insurance policies, or variable universal whole life insurance policies, which gives the policyholder a wider range of options from which to choose.


Famous ford flops

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American automakers sometimes take the brunt of the criticism for producing models that are ugly, useless, or even downright dangerous. Ford has had its share of beasts through the years in addition to several winners including the current Mustang for which demand cannot be met. For the fun of it let’s take a look at some of the Ford models that have been derided down through the years.

Model T – What?! How can the car that introduced mass production make the list? Well, the car was fine, but Mr. Henry Ford’s statement, “…you can have any color you want as long as it is black” has been attributed with the rise of General Motors [who gave its customers a choice in colors] which eventually dethroned Ford as the top automaker in the world. No, the Model T was fine, but Mr. Ford’s marketing strategy was not.

Edsel – In September 1957, Ford launched a new division – Edsel – and introduced to America one of the weirdest looking cars. Sporting a “horse-collar” shaped grille – some equated it with a toilet seat – the Edsel line was hyped by Ford and rejected by consumers wholeheartedly. Expecting to build 200,000 Edsels in its first year of production, only 63,000 were built. Other “radical” aspects of the Edsel included a “floating” speedometer that glowed upon reaching a particular speed and an awkward push button transmission with controls attached to the hub of the steering wheel. Even with a quick makeover completed in time for the next model year, the Edsel limped along only to be pulled one month after the third model year vehicles were released.

Pinto – Hey, even I owned one! With a 2.3L inline four cylinder paired with a 4 speed manny tranny, the Pinto was Ford’s answer during the 1970s to the onslaught of Japanese cars flooding the market. The compact rear wheel drive coupe, three door hatchback, or wagon sold fairly well until disaster hit: the revelation that the Pinto’s gas tank was capable of exploding during a rear impact scared buyers away. Mercifully pulled after the 1980 model year; replaced by the popular Escort.

Mustang II – Ford tarnished the Mustang name during the 1970s with this forgettable and ugly model. Resembling a bloated and stretched Pinto, the Mustang II was weak, poorly made, and a terrible competitor against its arch rival, the Camaro. All was forgiven by the early 1980s with the return of a newly designed Mustang. Today’s Mustang, on the other hand, is a sold-out success story as it took its styling cues from a Mustang of another era: the fastback cars of the late 1960s and early 1970s.

Before you point your finger at Ford, don’t forget to recall some truly forgettable models, foreign and domestic. The Toyota Van was panned for its ugly styling and for having an engine that had to be dropped from the engine bay in order to do a tune up; the Chevy Vega – a Pinto wannabe; AMC’s Pacer – the Jetson’s car; the Suzuki Samurai and Isuzu Rodeo – flip over specialists; the Yugo – a thinly redone 1960s era Fiat; and countless other cars not worth the mention. You hope that automakers learn from their mistakes, but don’t count on it. Maybe in another generation we will see a truly forgettable Ford show up, but for now there isn’t one in the line up...hooray for that!

Friday, January 29, 2016

Build a website 5 factors to consider

I have seen and heard crazy things...ah! But how to build a website! In my endeavor and quest for success I have heard people ask weird questions and I have seen those professing to be internet gurus give astounding answers.


I know of a fellow who posted a question on yahoo answers. This particular question kept me staring at my monitor screen lost of words. This fellow had bought a domain name and registered it with one of the leading domain name registrar. His question was simple yet to those familiar with the art of online business, the question leaves a lot to be desired.


My friend was seeking advice on what to do with his domain name. He had no plans or ideas on what to do with it! Think of lack of planning and we don't need to go further than this example.


To avoid being on the same predicament, here are 5 factors to consider as you ponder on your next move. Before you build a website, think about the following:


Type of web site.


Identify the type of web site you will be building. Are you going to build a website whose primary purpose is to sell hard good or e-goods? Would your site be composed of affiliate links or are you going to sell your own service or product? Is your web site going to be primarily informative in nature with google ad sense and other form of advertisement or is it going to be purely visual with little or no content.


Identifying the type of web site you are going to create will make the next step easy to identify.


Niche based.


Gone are the days when all a web master needed to do was to stuff their web site with links leading to all type of product and services. In the current internet world you can not succeed in building a web site designed in the form of a shopping mall with all kinds of goods and services.


The internet is increasingly and exponentially becoming a specialized super highway. Only those web sites that are able to distinguish them selves as authorities in a given area are poised to reap the benefits of online business.


Start out by identifying a profitable niche that you will enjoy writing about, identify an area that you already have experience on, have passion or will be comfortable learning about.


Only build a website in an area or niche that you believe in.


Research you market.


It’s not just enough to develop and build a website based on your strength and weakness. Care should be taken to do a little bit more research about the potential and profitability of that given field.


There are great tools out there on the net that would enable you to come up with a profitable niche, those tools will also enhance your research by shading light as to the exact phrases that your potential visitors would under normal circumstances type into the search engines in their quest for information.


Domain name and hosting.


Care should be taken while choosing the domain name and hosting company for your online business. A search in any of the leading search engines for the phrase "how to choose a domain name" or "web hosting" would return tones of articles that have been written advising us on the do and don't do as far as choosing a domain name or host provider is concerned.


Quality Content.


Have you ever typed the exact phrase of a given keyword while searching for information on any of the leading search engines only to end up frustrated with the displayed results after trying several times? Search engines and human traffic thirst for information, great quality information.


One sure ways to win the search engines wars and in the process please your targeted customers is to create quality content. A site owner who remains focused and persistent in doing just start will in the long run reap the benefit of having their pages rank up high if not at the top of the search query results.


And there are many more things to consider, but why not start with this 5 first!


Advice for a new esl teacher

When you first arrive in your assigned country, the first few minutes can be shocking. The air smells different, the people surging around you are likely different, the looks of buildings and storefronts and wares for sale may all be different.


If you are in modern country, such as Japan, you will likely feel only slightly uncomfortable, as the airport will be clean and streamlined, although perhaps twice as busy as you expected. But signs will be in English, and you will have no problem navigating through the airport to the outside world.


If you are in a third-world country, the airport could be a far cry from anything remotely comfortable, with military soldiers everywhere, a crush of people, strange maybe even repulsive smells in the air, total chaos. If you are alone, this can be especially intimidating.


When I arrive in a new country, I am always surprised at the first few moments outside the airport. The sky looks different, the air smells different, the chaos of people coming and going is different. Finding a bus or taxi or jeepney can be a fun experience but it is more likely to be a trying experience, so it is best if someone can meet you and help you get oriented for the first trip from the airport to your place of residence.


Depending on your guest country, and the resources available, you may get a private room with a private bathroom, or a shared room and a public bathroom.


The school may look a wee bit different from the brochures, which tend to highlight greenery and other colourful aspects. Brochures also don't tell you about oppressive tropical heat, or cold winds from the mountains.


Before starting your trip, you should read up on the culture of the country. For example, in Thailand, people would be shocked if you touched a child's head, or if you washed your underwear and hung it outside to dry.


During my stay in Thailand, I managed a software development project and hired a couple of university-educated Thai women to help. We worked out of my two-bedroom apartment. One moved into the spare bedroom in the apartment, and the other slept on the sofa five nights a week. The one in the bedroom said she lived a long way away and the daily commute was aggravating. Fair enough. But the second one lived 20 minutes away by elevated electric train. I never really understood why she wanted to live with me. Perhaps I was a father-figure for her.


One day, I rounded up all the towels to put in the washing machine. The women had their own bathroom, and the towels were provided by me. The apartment was modern and fully equipped.


One of the women said, "Doug, what are you doing?"


I said, "I'm going to wash all the towels in the machine."


She said, "But you took the white one."


The white one was a cotton bathmat that had been on the floor in front of the shower.


"Yes, I will wash it with the others."


"Doug, you can't do that."


"Why not?"


"It's for the feet."


Apparently in Thai culture, you don't sully your body towels with foot towels.


I said, "Sorry, this is a machine, very hot water, with detergent and fabric softener. I am going to wash all the towels and bath mats together."


She was unhappy with this, had a strange look on her face, like I had said something totally disgusting.


After the towels had been washed and dried, I took one of the bath towels and held it under her nose, and said, "Smell this."


She took a whiff and said, "Oh, Doug, smell very good."


I said, "That's the fabric softener, it has perfume to make the towels smell good."


Then I held the white bath mat under her nose. She didn't move away, although I expected her to. "Smell this one."


"Doug, same same."


"Yes," I said, "and now you know why I washed them together. In your culture, you wash them by hand, and would do the foot mats last. In my Western culture, with machines, we put them all in together and they come out the same."


She accepted that. In this case Western culture overruled Thai culture.


As I write this in November 2007, a British ESL teacher has been arrested in Sudan, which is a Muslim country, for letting her primary school students name a teddy bear "Muhammed". Although this is a very common name in Sudan and other Muslim countries, giving a toy bear this name is apparently insulting to Islam, according to the charges against her. One of the parents of the students complained to police and she was arrested. If found guilty, she could receive many years in prison, a hefty fine, and 40 lashes with a whip.


So learning something about the culture you will be living in is advice you should take seriously.


In Central and parts of South America, for instance, you might think the culture is Spanish, and that is certainly the dominant one, but the underlying Mayan culture is still there, especially amongst people whose primary language is Quechua or Aymara. Don't assume you understand their culture because you know about Mexican or Spanish culture. Do some research first, so as to help you understand where they are coming from, and try to structure your lessons to fit with their culture. This can be as simple as changing place names: don't talk about the Mississippi River, for example, use a local river instead. They will associate with that, but not associate with the Mississippi.


The beliefs and attitudes of your guest country will potentially be different from what you naively expected, so research! research! research!


As you become accustomed to your new daily routine, students, and fellow teachers, you will discover that some of the teachers have become cynical with time. They may have been there 20 years, and never say anything good about the place; they seem to live in a cloud of negativity. You will be eager and fired up and enjoying the challenge; they will talk about police purges, stupid management at the school, incompetent governments, corruption, and whatnot. The list is never-ending. Try to avoid these people. Live your own life, and be happy with the little differences and challenges that are thrown your way.


In Thailand, the vast majority of people are Buddhists. They are taught from an early age to meet adversity with a smile. One time, I was waiting under an awning for a tropical downpour to lessen. I watched a young lady attempt to cross the flooded street in front of me. She stepped in a hidden pothole, lost her balance, and fell face first into 6 inches of dirty water. She stood up, brushed the water off her face, and laughed. If that had been me, I would have been cursing. But she was a Buddhist. She laughed.


Meet adversity with a smile.


A good philosophy to live by.


If your assignment is in a third-world country, find out if the school and/or students have basic supplies. In rural Peru, for example, there might be one small chalkboard for a one-room school, no paper at all, and certainly no pens or pencils. While that kind of school is not going to have English classes, you can still help them enormously by traveling with two suitcases, one for your stuff, and the other filled with notebooks, pencils, chalk, small chalkboards, crayons, art paper, children's scissors, etc. Before you start your flight, contact the school and find out if they need these supplies, or if they can put you in touch with a rural school that does. Those $50 worth of supplies might be more than a rural school has ever seen and will make a big difference.


Another piece of advice: keep a journal of your experiences. If you have Internet access, create a blog and update it regularly. But in any case, be careful not to write anything in your journal or blog that is critical of the school management, the local religion, or the government. That journal will be a treasured keepsake in future years, and remain with you the rest of your life.


After you've been living and teaching for a while in the guest country, returning to your home town in your native country can be a jarring experience: culture shock in reverse. You became an ESL teacher for the fun of travel, the joy of discovering a new culture, and now you're back in Wal-Mart or Tesco standing in a queue behind an enormous fat lady with a shopping cart full of junk. Your mother is glad to see you, but you find your town boring, the food bland and voluminous.


If you are back for good, and have to get a job, you will probably find yourself bored out of your skull working in an office. Your co-workers will have no interest in your ESL experiences and couldn't care less about the things you did and the places you went.


Pretty soon you will be scouring the Internet looking for other ESL jobs; you've got to follow your dreams, wherever they take you...