Things You Need to Know Before You Buy a Term Plan

Having dependants is a matter of responsibility and we need to ensure that we take this up well. Earning enough financially, offering a good quality of life and taking good care of your family dependants is the major aspect of this responsibility.

But the responsibility does not just end here. You also need to ensure that the dependants in your family are also taken care of well and lead the same quality of life even in case you met with an unfortunate early death. So, we need to buy term insurance which will provide the necessary risk cover to deal with such situation. Buying any term insurance is not going to solve the problem and you need to be prudent while making a choice of term insurance plan.

To buy the right policy, you need to be aware of the following:

1) Do I need a risk cover?Term insurance is required if you have family members either children, spouse or parents who are dependent on you and you do not have enough savings to cover the cost of living for the family for the rest of life and any ongoing/future loan liabilities.

2) How much risk cover is adequate?

The higher the risk cover you choose the higher would be the premium on the plan. Be sure that the term cover you choose is adequate to help your family sustain the same quality of life as they are pursuing today. Thumb rule says that you should be covered for an amount that is 5-10 times the annual income.

3) Benefits of term life insurance

You need to be sure of term life insurance benefits before buying one. A term insurance is a pure vanilla insurance product that offers risk coverage in the event of an unfortunate death of the insured. Buying term life insurance is cheaper when compared to alternate insurance product like unit linked insurance policies (ULIP) and endowment policies. By paying a relatively small insurance premium, the risk coverage that can be obtained is much larger than for ULIPs. Like other life insurance policies, you also enjoy term insurance tax benefit.

4) Do I need additional cover beyond pure life cover?

A pure vanilla term plan offers risk cover only against death of the insured but there are other situations in life when a risk cover would be as important like suffering from critical illness or accident leading to permanent disability. There are riders that come with a term plan and if you think these riders will add value you can add it your term plan cover.

5) What is the right age to purchase a term insurance?

The earlier you buy a term plan, the better it is for you. If you have started earning it is advisable that you buy a term plan. Buying early gives you the benefit of lower premiums.

Compare term insurance plans online and get higher sum assured to cover your family at a lowest cost. We provides best offers from leading insurers in India.

Article Source:


Understanding the Necessity of Building a Mobile Website or a Mobile App

If you are ruminating about creating a mobile presence for your business organization, then you will either contemplate to build a mobile app or a mobile website for your users, or maybe both. Building a mobile-friendly site and application look and feel quite identical in the beginning, and thus deciding upon which one will best fit your needs can leave you puzzled. There are certain factors including target customers, purpose, development budget and a few other factors that can help you determine whether you should choose to build a mobile compatible site or an app.

But before evaluating in-depth about which option will prove to be a worthy choice, it’s important to understand the basic difference between a mobile website and an application. Lastly, no matter whatever your requirement may be, it becomes mandatory to search for a reliable partner, in general, an iPhone App Development Company (if you aim at building a site or an app for iPhone users). This article will help you gain insight about all such factors.

Mobile Website vs an App

Both mobile websites and applications are being viewed over via Smartphones (like iPhone, Android etc.) and tablets; but there is a key difference between them both.

A mobile site is just like a standard website and consists of browser compatible web pages that are being accessed using Internet connections, and includes text content (including images and videos) and so on. But one basic difference between them is that unlike a standard site, mobile site can be accessed on smaller handheld devices as well. On the other hand, mobile apps are applications that are downloaded and installed on a mobile device and can be accessed even without a network connection.

Mobile Website or an App – Which One You Should Choose?

Whether you should build a mobile site or a native app, depends on your business wants and needs. Let’s say, you want to develop a highly interactive game then creating a gaming application is the right option, rather than building a mobile compatible gaming site. But in case you wish to promote mobile-friendly content to a wider audience base, then a mobile website will most likely be the most viable option for you.

If you’re looking for a lower cost option to promote your business offerings, then certainly building a business site that could be accessed on different screen sizes of mobile devices seems to be a perfect choice. In contrast, if you are ready to invest a little more to market your products and services to masses, or need a solution meet your business day-to-day activities then developing a mobile application will best fit your bill.

There may be a few cases wherein you need both a mobile website as well as a mobile application, but just remember one thing it doesn’t makes sense to create an app without having a mobile site. Put simply, you should first consider building a mobile web presence that requires setting up a site that could be accessed on different mobile devices. And you should think upon developing an app for specific purposes when you can’t achieve something via your browser-based website (not to mention, which can be accessed on handheld devices).

Why You Should Think About Getting Professional Assistance?

Irrespective of whether you want to create a site or an application for iOS devices, it is advisable to look for iOS Developers for Hire. Wondering why? You can probably observe the ever-increasing competition in the mobile industry – there are lots of competitive iPhone compatible sites and apps out there and building one for your business organization can give you a hard time.

Selecting a reliable and proficient expert for your project can help you get enviable results, but make sure to plan carefully and beforehand all your project requirements you want your hired service provider to meet.


Whether to build a “mobile website vs mobile app” is a question that often rack one’s brain, especially when it comes to building one for a business organization the decision seems pretty hard. If you just want to establish a strong presence online, or want to deliver mobile-friendly content that users can view and share, then a mobile website seems to be a pretty good choice. Conversely, for better and more enticing engagement with mobile users, or to organize and manage your business tasks, an app certainly would be a worthy option.

Addison Cohen is a enthusiastic and tech savvy professional, who presently devoting his services with niche iPhone App Development Company. He loves writing and sharing knowledge on iPhone development. If you looking iOS Developers For Hire,then you can inbox him here.

Article Source:


I Looked in the Mirror, Who Am I?

All these quizzes on Facebook make me a little nutty. I have been as guilty as the next when it comes to taking quizzes like “what spice are you” or “what Disney character are you” and “what do your fingers say about you”. I wonder if Donald Trump took that last one. But this morning when I saw “What your toes say about your personality” it made me shake my head. I don’t need to look at my feet to know who I am and you shouldn’t either. We miss out on a lot of things if we are always looking down at our toes. Look up, look forward, look deep inside you and know who you are, don’t rely on some silly quiz from Facebook.

Know who you are and be alright with the fact that who you are is always changing. If you had asked me who I was before Albany and who I was now, I would have to tell you, they are two different people. The base, the core “me” is the same, but I have these little traits that come out when bad things happen, and I try not to let them change the core me, but it is not an easy job. The Albany experience has left me bitter and angry. Because I am a firm believer in Karma, I am trying really hard not to wish ill-will on that project, but it takes a conscious effort every morning.

So who am I?

A mom. Truth be told I never wanted to be a mom and both my chickens were mistakes, but now 25 years later, I couldn’t image life without them. They were the reason I didn’t live on a constant diet of Vodka after my divorces and the reason I dragged myself out of bed every day. They are, by far, the best thing I’ve done in my life, and somehow they have turned into two of the most amazing people I know.

A wife. If you know me, you know this is my third marriage. My first marriage lasted seven years and my second marriage lasted nine months; I don’t usually fess up to my second marriage because it was so short, but it happened. But this third marriage is, without question, my best marriage and my best relationship. I learned a lot from my past and am happy to report that we are going on 13 years together. There have been plenty of times where the old Gina would have cut her losses and ran, but I didn’t, and our relationship is stronger.

A friend. I don’t have many close friends, but the few that I do have mean the world to me. A few are from high school and others I’ve made along the way. They are scattered all around the country, but if any one of them needed me, I would be there without even asking why. If we become friends, I consider you my friend forever.

I Am Old. As I was looking for a watch band I misplaced, I came across my 1997 PA drivers license. I’m not sure exactly why I had that and why I could not find a watch band I had just last week is beyond me. But staring back at me was a 30-year-old me and at that moment, I felt every single year of the 50 years I’ve lived. I took a minute and stared at myself in the bathroom mirror. I wondered who that old woman was staring back at me. She was, for the first time unrecognizable and for the first time in my 50 years I felt as old as that woman looked. You close your eyes, and you are 30, and then you open them and your 50, it goes by that quickly and today I’m having a hard time adjusting.

But most of all, I Am Happy. With all the twist and turns of the last 50 years, it has been more ups than downs. I’ve loved and lost and loved again. I got to be a mom to two kids I never realized I wanted or needed. I got to grow as a human and become an amazing wife and a good friend. Life is good, and that is enough.

To read more from Gina DeNicola go to

Article Source:


Spiritual Multitasking: How To Do & Be At The Same Time

There are two kinds of “multitasking” – personal and spiritual (impersonal). Let’s look at the personal first: The efficacy of personal “multitasking,” as its commonly understood and practiced, is a myth.

The ability to “walk and chew gum at the same time” is not only much more difficult than it sounds, but when you split your focus you’re also splitting its power. You’re diluting it.

Focusing on two things at the same time requires practice. It doesn’t come easily or naturally to human beings at this particular stage of our mental development.

If you’re concentrating on reading these words, for example, you’re not aware of the sounds inside or outside the room. When I mentioned sound, you attention switched from reading to listening.

You could listen and read at the same time, but it would take some doing, and you’d do both much less well. You could text and drive at the same time but it would be dangerous because the eyes also cannot see two scenes or objects at the same time without practiced effort in expanding your peripheral vision.

Let’s look now at “spiritual multitasking” As personal multitasking means focusing on two or more personal things at the same time – such as mental, emotional, sensual or physical things; “spiritual” refers to focusing on one personal thing and one impersonal thing at the same time.

The impersonal thing is simply your everyday awareness. Notice that the phrase “awareness of something” implies two separate and distinct faculties – the awareness and the objects it’s aware of.

The awareness is the being part of you while thinking, feeling, sensing, acting, are the doing part of you. Both must happen at the same time if you’re to experience life with utmost clarity and self-control.

In spiritual multitasking, you’re experiencing and know your experiencing at the same time. You’re acting and know you’re acting at the same time. Same with five senses – you’re sensing and detachedly aware that you’re sensing.

In personal multitasking, you’re seeing with the eyes alone, hearing with the ears alone, thinking, feeling and acting with those faculties alone. Consequently you’re not able to perform any of those activities very well. You think, feel and act far below your potential.

This is how spiritual multitasking works to empower you: Your personal self is connected to the conscious part of your mind, while your aware self is connected to the subconscious part.

When you are focused on your awareness and a personal faculty at the same time, you access your subconscious source of knowledge and power. The personal self is empowered by the impersonal self. You’re focusing on both – the tip of the iceberg and the body of the iceberg at the same time. It’s amazing!

Bill is a stress and meditation expert with a focus on realizing one’s potential via the law of detachment. He’s the author of A Course In Experiential Meditation. – A book and video course — and a live course in the Naples, FL area. Visit Bill at – A website dedicated to the study of this method and mindset and how to apply it to achieve any goal. Contact Bill with your questions and comments at

Article Source:


Eat, Drink, and Be Merry, Sucker

A friend of mine once told me about her brother’s family. He was married and had two pre-teen boys. Neither parent was consistently employed. They lived for a while in a house they purchased before the bank foreclosed on them – after they stopped paying their mortgage.

It appears the couple had other priorities. Apparently, they spent so much money on illegal drugs and alcohol, they could not afford their mortgage payments.

What to do? Well, my friend’s father stepped in and offered to buy them a place to stay. I am not certain if there were any preconditions to this arrangement, but I would bet that drug and alcohol counseling was included in the deal. And, it worked for a while.

Until the couple again grew deep in debt – from their purchase of more drugs and alcohol. Seeing that they had no other source of money to pay off their debts, they sold the house the father had bought for them (apparently, gratitude and responsibility are not among their vices). This left them with some money, but no place to stay, again.

So, the father stepped in, again. This time he bought a house under his name and allowed them to live there. Since he legally owned the home, they could not sell it.

Because of his generosity, some might consider the father to be a hero in this story. Although he was upper middle class, another mortgage hurt him financially. Still, it was preferable than seeing his son’s family breakup, and his son and daughter-in-law serve jail time. Others might consider the father to be a sucker and an enabler.

Now if I were to tell this story to some local official or politician, they would provide a standard reply. Let’s use government programs to get this couple off drugs, off alcohol, and assist them with government training to make them more marketable for acquiring better employment. Our society accepts that strategy as a realistic solution to the problem.

Until you understand the couple involved. They did not want to give up drugs or alcohol. They saw nothing wrong with being drunk and stoned all day. Nor did they care what it meant to their children. Fortunately, the kids were not starving, and they always found a place to stay. In addition, the couple did not want to work. They wanted to party. They even saw their unsteady employment only as a means to purchase more drugs and alcohol.

What should be done in this situation? Arrest the parents? Force them into addiction counseling? Put the children in foster homes?

The last I heard both parents remained unemployed. They now receive disability payments – I presume for their drug and alcohol addictions. Although the wife is obese, neither of them would be considered disabled by anyone who knew them. Luckily, for their sake, the government doesn’t know them.

However, I guess there is a happy ending to this story. The couple has a house to reside in with their children, they avoided jail, can continue to purchase illegal drugs, and get drunk and high for as long as they want. Instead of being a financial burden to the father, they are now living off the state. Consequently, they continue to eat, drink, and be merry on the backs of the taxpayers.

Some might say that we are all heroes for supporting this couple. But, I believe that most would consider us to be suckers and enablers.

= = =

I invite you to visit my website, The Soup of Life. Each week, I add another column where I give my thoughts on culture, politics, religion, health, science, and life.

Pondering the questions and possibilities of life continues to be my lifelong passion. And, I am never done learning. I am looking forward to your thoughts and comments.

For more insightful articles, please visit my website at

Subscribe to receive email notification of my latest article at

Article Source:


Massage in Bucharest

Recognize it! You’re busy! And so must be! That’s what life is like! But you want more than that, you want to do more for yourself and massage can help. Because massage makes more than a simple relaxation of the mind and body. It keeps your body in shape and gives you enough energy to make you enjoy a longer life better than you do it today.

Massage releases stress. At the moment, stress is a universal evil. Every time you are late, every time you avoid a car in traffic, every time you have trouble working, stress is doing his job. Each time adrenaline increases heart rate and cortisone levels and organs respond to the measure. You will be in a state of nerves and constant agitation.
When there is no release of stress, serious problems such as an upset stomach, hypertension, sleep disturbances, chest pain, or existing illness may worsen.

Some of the changes that may occur are: Anxiety, lack of concentration, depression, permanent fatigue, muscle or bone pain, sexual dysfunction, excessive sleep or insomnia

All these stress-related problems can be diminished and some can be totally eliminated by massage. The researchers concluded that a massage session can lower heart rate and blood pressure, relax your muscles and increase endorphin production. The massage also releases serotonin and dopamine and the result is a general relaxation, both physical and mental.
Our body care must be at the top of the priorities.
By adding the massage to your routine you will look much better and you will be much healthier and relaxed. Massage can improve your vitality and mood. Massage can prepare for a long and beautiful life.

Our masseuses personalize each massage session according to the needs of the individual.
Our massage parlors offer a variety of relaxation styles and techniques to help you. Apart from relaxing, massage can be a powerful ally in reducing pain, increasing energy levels, improving mental and physical performance

We recommend : HotAngels , VipZone , JadePalace , ThaiPassion

After a massage session, you will see how the mental prospects are enriched, the body allows easier handling, better pressure resistance, relaxation and mental alertness, calm and creative thinking.
When you have the impression or force yourself to stay straight, your body is not actually aligned properly. Not only does the posture look bad, but it forces some of the muscles to go muddy all day, while others become weaker. After a long time, the incorrect position may cause other drops. For example, internal organs press on what affects digestion, breathing ability is also diminished, which means that much less blood and oxygen reaches the brain and hence all sorts of other complications.

Massage allows you to return your body to the track. Allowing the body to make healthy and accurate movements is one of the greatest benefits of massage. Massage can relax and restore muscles injured by bad posture, allowing the body to position itself in a natural, painless position.
Apart from posture, there is also anxiety. One of the signs of anxiety and stress can also be heavy breathing. When the body begins to breathe too little and deeply instead of breathing at a natural rithm, it is impossible for one to relax. One reason may also be that the chest muscles and the abdomen get tightened and the air gets harder.

Massage plays an important role in learning the body how to relax and how to improve breathing. Respiratory problems such as allergies, sinuses, asthma or bronchitis are a group of conditions that can benefit from massage. In fact, massage can have a positive impact on respiratory function.

Many of the muscles in the front and back of the upper part of the body are breathing accessory. When these muscles are tight and shorten they can block normal breathing and interrupt effective breathing natural rithm. Massage techniques for stretching and relaxing these muscles improves breathing function and breathability. Massage leads to an opening of the chest as well as structural alignment and nerve dilatation that are required for optimal pulmonary function. A good way to treat respiratory problems with massage is the taping made in Swedish massage. When done on the back, along with vibrations, it can detach the mucus from the lungs and can clean the airways for better later function.

Massage not only relaxes muscles, but helps people become aware of daily stress levels. Once the body recognizes what really means relaxation, the mind can rest easily relax before the stress becomes cornice and harmful. This will help you enjoy a balanced life. Massage controls breathing, allows the mind to re-create relaxation before the occurrence of chronic and harmful stress and increases the level of energy.