Term Vs Whole Life Essays - Life Insurance, Whole Life Insurance

Term Vs Whole Life TERM VS WHOLE LIFE If you're like most people, there's nothing more important to you than your family. As difficult as it is for you to imagine not being there for them, it's a risk we all face. To help be sure your loved ones have the financial protection they'll need, it's important to not only think about the unexpected, but to plan for it. If you were gone, who would provide for your loved ones? Who would help... Provide cash for family income? Cover the cost of raising your children? Pay off your mortgage? Pay off your debts? Life insurance can help give your family the protection they need while providing you with peace of mind. It can help provide continuing income and help pay the bills--keeping your family's hopes and dreams alive even after your death. or to find out if you're approved for up to $150,000 of immediate 10-year term life insurance that could save you up to 30%.* Coverage starts today with no medical exam if you're approved.** Or, get more information on other life insurance coverage offered through U.S. Bancorp Insurance Services: in higher coverage amounts for maximum coverage at the lowest premiums that can be designed for long-term protection while providing flexibility in terms of premium payments and cash value accumulation. Applying for 10- and 20-year underwritten term and universal life insurance involves an interview and a medical exam (including blood and urine samples). Term Insurance Advantages Initially, premiums are lower than those for various forms of whole life insurance, thus allowing you to purchase higher amounts of insurance coverage. It is good for covering specific needs that will disappear in time, such as mortgages and other loans. Disadvantages Premiums will increase as you grow older and at the end of the term of the policy you purchase, such as 10 year term. In the 11th year the premiums will increase. Eventually, coverage may lapse due to the expense of the policy the older you do get.Generally, the policy does not have cash value. Permanent Insurance Advantages As long as the necessary premiums are paid, the life insurance policy is guaranteed to be there for your entire life. Your premium can be fixed or flexible to meet your own personal needs. The policy accumulates a cash value that you can borrow against. Loans would need to be paid back with interest or your beneficiaries will receive a reduced value of benefit if you pass away prematurely. If you ever needed to have your premiums paid for with you existing cash value, you can. If you surrender your policy, the cash value will be returned to you. Disadvantages The required premiums may make it to expensive to purchase the necessary amount of insurance you and your family needs. It may cost more than term insurance if you do not keep the policy long term. I think I would take the whole life insurance because it will adjust to your personal need as the term wont it is just a fixed rate but the whole life also has a fixed rate but it will fluxuate to fit your personal needs at the time that your in that would be why I pick whole life over term life. TERM VS WHOLE LIFE If you're like most people, there's nothing more important to you than your family. As difficult as it is for you to imagine not being there for them, it's a risk we all face. To help be sure your loved ones have the financial protection they'll need, it's important to not only think about the unexpected, but to plan for it. If you were gone, who would provide for your loved ones? Who would help... Provide cash for family income? Cover the cost of raising your children? Pay off your mortgage? Pay off your debts? Life insurance can help give your family the protection they need while providing you with peace of mind. It can help provide continuing income and help pay the bills--keeping your family's hopes and dreams alive even after your death. or to find out if you're approved for up to $150,000 of immediate 10-year term life insurance that could save you up to 30%.* Coverage starts today with no medical exam if you're approved.** Or, get more information on other life insurance coverage offered through U.S. Bancorp Insurance Services: in higher coverage amounts for maximum

Free Essays on Higgins Boats

Andrew Jackson Higgins’ and the Boats that Won World War II President Dwight D. Eisenhower said Andrew Jackson Higgins was â€Å"the man that won the war for us.† Although Higgins’ design for a shallow draft water craft was unintended for use during World War II, he became responsible for producing the majority of the amphibious assault landing craft, primarily the Landing Craft Vehicle Person (LCVP), which led to an allied victory in World War II. The â€Å"Higgins Boats† rapid and efficient mass production, effective design, and diversity led them to be the most prominent vessels during World War II. Andrew Jackson Higgins started out as the owner of a small company called A.J. Higgins Lumber and Exports. As he began to purchase land for logging, he found a need for a boat that could handle the difficult task of carrying heavy loads of logs through extremely shallow waters. Present day boats of the time with drafts shallow enough to manage the depth lacked the power necessary to haul such weight. Higgins solution to this problem was to design and build a boat with a â€Å"recessed propeller† into a tunnel in the hull to protect it. Although Higgins ingenuity solved the problem, he was not satisfied. Higgins recognized that because the propeller was elevated so much, it was churning in aerated water instead of a solid flow which greatly reduced its power. Higgins was so perplexed and dedicated to finding a solution; he decided to turn away from the depleting business of timber supplies to concentrate on small boat construction and design. Andrew Jackson Higgins opened Higgins Industries on September 26, 1930 to begin selling his new designs of shallow draft watercraft. Higgins’ new company concentrated on accommodating the needs of oilmen, local trappers, and lumbermen who needed boats capable of running aground, retracting itself, managing floating logs, sandbars, and debris without damage to the hull. ... Free Essays on Higgins Boats Free Essays on Higgins Boats Andrew Jackson Higgins’ and the Boats that Won World War II President Dwight D. Eisenhower said Andrew Jackson Higgins was â€Å"the man that won the war for us.† Although Higgins’ design for a shallow draft water craft was unintended for use during World War II, he became responsible for producing the majority of the amphibious assault landing craft, primarily the Landing Craft Vehicle Person (LCVP), which led to an allied victory in World War II. The â€Å"Higgins Boats† rapid and efficient mass production, effective design, and diversity led them to be the most prominent vessels during World War II. Andrew Jackson Higgins started out as the owner of a small company called A.J. Higgins Lumber and Exports. As he began to purchase land for logging, he found a need for a boat that could handle the difficult task of carrying heavy loads of logs through extremely shallow waters. Present day boats of the time with drafts shallow enough to manage the depth lacked the power necessary to haul such weight. Higgins solution to this problem was to design and build a boat with a â€Å"recessed propeller† into a tunnel in the hull to protect it. Although Higgins ingenuity solved the problem, he was not satisfied. Higgins recognized that because the propeller was elevated so much, it was churning in aerated water instead of a solid flow which greatly reduced its power. Higgins was so perplexed and dedicated to finding a solution; he decided to turn away from the depleting business of timber supplies to concentrate on small boat construction and design. Andrew Jackson Higgins opened Higgins Industries on September 26, 1930 to begin selling his new designs of shallow draft watercraft. Higgins’ new company concentrated on accommodating the needs of oilmen, local trappers, and lumbermen who needed boats capable of running aground, retracting itself, managing floating logs, sandbars, and debris without damage to the hull. ...

Nicaragua's vampire problem Essay Example | Topics and Well Written Essays - 250 words

Nicaragua's vampire problem - Essay Example Killing vampire bats is a vicious chain of never-ending diseases because of the variety of bats both harmful and beneficial. Rogers masterfully explains the confusion caused by these vampire bats by first dealing with the problem caused by these bats in the poor town of Nicaragua. He reveals how people are scandalized by the presence of these bats and how eventually the bats are killed and wiped off from the community altogether. Here Roger introduces a method of awareness by telling his readers that there are beneficial bats as well who take care of humans as they are involved in consuming insects, leading to pollination of flowers and lead to increase in forestation by throwing the seeds at different points. As opposed to the vampire bats, these bats do not transmit rabies. Roger employs another method to introduce his main purpose of the article. He informs the readers that in the process of killing all the bats, one neglects the fact that mosquito bites are even more deadly as they cause dengue fever. Killing beneficial bats hence increases the risk of another noxious disease. According to Roger the death of the various species of bats is not a positive sign. He chooses to inform the readers of this negligence in a roundabout manner so that they understand the gravity of the

AR7 Essay Example | Topics and Well Written Essays - 500 words

AR7 - Essay Example Since all Ebusiness transactions are used using the communication systems and without the need of ever doing business face-to-face. Such liberty has developed various models within ebusiness such as B2B. B2C, C2B. G2B etc. There are basically three types of e business, 1-to buy and sell goods, 2-inter and intra organization information exchange, and 3-customer service. The website: Bewari is a B2B service provider with a portal for suppliers and consumers. The suppliers could list their products and other businesses and governments can purchase them through beware portal website. Bewari vision is to become a leading ebusiness B2b service provider and change the way business is done in the Middle East. The website currently has 60,000 trading partners with 50,000 online auctions worth over $2.5 billion. The customer base includes governments, large business, trading companies etc. The company deals in several countries of Middle East with a franchise approach. The company has good future forecasting and is expected to raise the number of member, it also has several quality and branding awards. The products transacted on site are from oil and gas to FMCG industry. The website deals like any other portal providing facilities such as contacting customers, catalogues, and auto extend auctions etc. Bewari also provides training for online procurement an d procurement consulting. The company is now working with the government on creating an online directory of all the companies in the region. The future plans include starting up a business to consumer website; however it is far from implementation. The website is powered by oracle which provides safe and reliable trading software. It helped saved reduced procumbent cycle times to government workshops, airlines, and regional electricity and construction companies. The extended market reach helped small IT products

Metaphysics and Monism Essay Example for Free

Metaphysics and Monism Essay People are monists, dualists or pluralists depending on whether or not they believe that reality is composed of one, two or more substances. These positions may be represented as here indicated. Hindus, Buddhists and Animists are for the most part monists. They believe that reality is one and that everything that exists is a functioning part of that whole which is spirit. Western man for the most part may be called a monist also as he believes that God is dead and matter is the only substance to reality. Bible believing Christians would be pluralists. In philosophy of mind, monism is usually contrasted with the dualist position that mind and matter are deeply different. Thus, monism is the claim that mind and matter essentially the same. However, this sameness has come in a number of different and contradictory varieties. For example, Hobbes felt that the mental is merely and epiphenomena of the physical, thus the physical is the one real substance (Contemporary materialism is also a form of physicalistic monism (see Churchland, 1996). In direct contrast, Berkeley postulated that the physical is just a collection of ideas (hence, idealism) and thus the mental is the only thing that really exists. Finally, there are a number of positions similar to Spinozas property dualism, often referred to as dual-aspect theory. Spinoza held a position in which the mental and the physical are simply two modes of a more basic substance (it should be noted that strictly speaking, Spinoza was not a property dualist as he held that the mental and the physical were two of a possible infinite number of modes of the basic substance, nevertheless he is typically labeled as one). For Spinoza, this basic substance was God. Thus the only real thing is God, who is neither physical nor mental. Spinozas position is similar to that of Russells neutral monism, however the latter is not committed to the belief that a supreme being is the more basic substance. General Information Monism is any doctrine based on the assumption of a single underlying principle. Metaphysical monism allows that only one being or type of being exists. A substantial metaphysical monism asserts that the variety in our phenomenal experience is due to the different states of a single all-encompassing substance, for example, Parmenides Plenum or Baruch Spinozas God or Nature. An attributive monism admits many substances but asserts that they are all of the same kind, for example, atoms or G. W. von Leibnizs monads. Epistemological monism identifies that which is immediately present to the knowing mind with the real object known. Either the content of the mind is equated with the object known (epistemological realism), or the object known is equated with the knowing mind (epistemological idealism). Monism as a philosophical term was first used by Christian Wolff to designate philosophies that attempted to eliminate the mind-body dichotomy. Monism (Greek monos,single), in philosophy, is a doctrine that ultimate reality is entirely of one substance. Monism is thus opposed to both dualism and pluralism. Three basic types of monism are recognized: materialistic monism, idealistic monism, and the mind-stuff theory. According to the first doctrine, everything in the universe, including mental phenomena, is reduced to the one category of matter. In the second doctrine, matter is regarded as a form of manifestation of mind; and in the third doctrine, matter and mind are considered merely aspects of each other. Although monistic philosophies date from ancient Greece, the term monism is comparatively recent. It was first used by the 18th-century German philosopher Christian von Wolff to designate types of philosophical thought in which the attempt was made to eliminate the dichotomy of body and mind. Although he was not known by the term, the 17th-century Dutch philosopher Baruch Spinoza was one of the most influential monists. He taught that both material and spiritual phenomena are attributes of one underlying substance. His doctrine strongly anticipated the mind-stuff theory. Advanced Information Although the term was first used by German philosopher Christian Wolff (1679-1754), monism is a philosophical position with a long history dating back to the pre-Socratic philosophers who appealed to a single unifying principle to explain all the diversity of observed experience. Notable among these thinkers is Parmenides, who maintained that reality is an undifferentiated oneness, or unity, and that consequently real change or individuality of things are there? Substantival monism (one thing) is the view that there is only one substance and that all diversity is ultimately unreal. This view was maintained by Spinoza, who claimed that there is only one substance, or independently existing thing, and that both God and the universe are aspects of this substance. In addition to having many eminent proponents in the Western philosophical tradition, substantival monism is a tenet of Hinduism and Buddhism. In Hinduism each element of reality is part of maya or prakriti, and in Buddhism all things ultimately comprise an interrelated network. Attributive monism (one category) holds that there is one kind of thing but many different individual things in this category. Materialism and idealism are different forms of attributive monism. The materialist holds that the one category of existence in which all real things are found is material, while the idealist says that this category is mental. All monisms oppose the dualistic view of the universe, which holds that both material and immaterial (mental and spiritual) realities exist. Attributive monism disagrees with substantival monism in asserting that reality is ultimately composed of many things rather than one thing. Many leading philosophers have been attributive monists, including Bertrand Russell and Thomas Hobbes on the materialistic side, and G. W. Leibniz and George Berkeley in the idealist camp. The Christian intellectual tradition has generally held that substantival monism fails to do justice to the distinction between God and creature, and that of attributive monisms only idealism is theologically acceptable.

Occupational Stress Essay -- Work Related Stress, Job Stress

Job stress has proven to be a difficult issue to tackle. Unlike physical or chemical hazards, there is not an obvious tangible hazardous agent. This issue has also been preempted by corporate stress management, health promotion, or employee assistance programs, which explain stress as a purely personal reaction, and often treat the symptoms, not the causes, of job stress. The occupational stress field also has been plagued by a variety of definitions and difficulties in measurement of stress.(Buunk,De-Jong,Y-Bemas&De wolff,1998) In addition, changes in job design or work organization are often inherently more "systems challenging" and require more radical restructuring of workplaces than reducing levels of exposure to toxic substances or ergonomic hazards. According to Mclean (1979) stress affect everyone in the workplace whether blue collar or white collar workers. Hughes (1971, p342) supported Mclean by stating that† the essential problems of men at work are the same whether they do their work in some famous laboratory or in the messiest vat room of a pickle factory† So this essay will review the major explanations that have been given for the higher rates of stress amongst working women’s based of the interview conducted on south African female worker. Part one of this paper will discuss how the factors such as Gender’s, race, marital status can cause stress among workers. In the second part work related factors such as heavy workload demand, control over work ,rewards and poor social relationship will be discussed. Lastly changes facing South African workplaces shall be discussed. The issue of stress is complicated because there is no single definitions that allows one to defines it .According to Buunk at al (1998) psychol... ...(1978). Stress at work: Chichester .J-Wiley Eckenrode J, & Gore ,S (1990). Stress between work and family: New York .Plenum press. Frankenhaeuser ,M ,Landberg U, & Chesney ,M. (1991).Women work and health :Stress opportunities .New York :Plenum press Friesen ,D & Sarros ,J (1989). Sources of burnout among educators :Journal of organizational behaviour,10 p.p 179-188 Gale group(2004). Bad relationship affect women more . Retrieved 14 march 2005 from http://www.findaeticle.com./mobsc/18-10/62085373/p1/article. Karasek RA. Control in the workplace and its health-related aspects. In Job Control and Worker Health, eds. SL Sauter, JJ Hurrell, CL Cooper. New York: Wiley, 1989; 129-159. Philips,D.L.& Segal .B.E (1969). Sexual status and psychiatric symptoms. American sociological review,34,58-7Shostaka,B(1980).Blue-collar stress :London .Addison –wesley.

Ralph Waldo Emerson Essay

Ralph Waldo Emerson was born into a pre-determined life. His father was a minister, so he was already set to become a minister. However, Emerson didn’t believe in organized religion. This was the reason that he became a transcendentalist and wrote his essay â€Å"Self Reliance†. In 1817, Emerson attended Harvard College where he first began to formulate his ideas that were portrayed in his most famous essay. In his essay, Emerson uses two main strategies to persuade his readers. These strategies were anecdotal stories and reasons supported by evidence. Throughout his essay, Emerson uses anecdotes as his main strategy for persuasion. For example, he tells an anecdote about when he was a child. When he was a child, he expressed his true beliefs to a close adult. When asked how he knows that his beliefs aren’t from the devil, Emerson responds by saying, â€Å"They do not seem to me to be such; but if I am the Devil’s child, I will live then from the Devil. † In this response he is saying even if his beliefs are from the Devil, it doesn’t matter. This is what he believes in and nothing can change that. This idea was Emerson’s main virtue that he lived by and wanted others to live by: trust thyself. Emerson’s anecdotes prove to be a very effective way to persuade his readers to believe in his ideas. The anecdotes in this essay are so effective because the reader is able to connect with him, and place themselves in his shoes. The anecdotes are also effective because they are a portal into Emerson’s life. Instead of just listing facts and statistics, Emerson chooses to tell stories about his life. This allows his readers to connect with him on a personal level and the readers develop a stronger emotional connection with Emerson. Another strategy that Emerson uses is reasons supported by evidence. This strategy is also effective because it gives the reader a reason why they should trust themselves, and then supports the reason with evidence to show why the reason is true. For example, he says that if people don’t trust themselves, then they will feel guilty and ashamed. This is the reason Emerson gives of why people need to trust themselves, and then he supports the reason with evidence by saying that it is a waste of time to want what thers want and â€Å"envy is ignorance; imitation is suicide†. He also says that to be truly happy, a man must accept himself for better and for worse. This evidence supports the reason that people should be happy with themselves the way they are. Emerson’s strategy of reasons supported by evidence is very effective because it gives the reader concrete evidence. The evidence supports the reason, and the reason supports the overall claim. The reasons and evidence are logical appeals which appeal to the reader’s good sense; this also makes the strategy effective. It is hard to argue when Emerson gives many concrete reasons to support his claim and then backs it up with even more evidence. Although Emerson’s essay â€Å"Self Reliance† has many good strategies and qualities, it also has some weaknesses. The essay is aimed at a small audience, educated white males. If he were to open the essay up to a broader audience, he would be able to spread his idea more effectively. For example if women were also targeted in the essay, then Emerson’s ideas would be spread to almost twice as many people. Another weakness in the essay is the overall claim. He says that people should trust themselves. This claim has no qualifiers; therefore Emerson is saying that people should trust themselves, always. This is not always true. Yet another weakness in the essay is that Emerson uses mostly anecdotal evidence. Although the anecdotes prove to be effective, the evidence inside of them is not all that concrete. The claims he makes in these anecdotes are not as strong as they could be if he had more of a variety of strategies to support his claims. Ralph Waldo Emerson’s essay â€Å"Self Reliance† tells its readers to trust themselves. He says that every heart vibrates to this iron string. Emerson uses many strategies in his essay; however the two main strategies are anecdotes and reasons supported by evidence. Both of these strategies prove to be very effective on the reader. The anecdotes allow the reader to connect with Emerson, and have strong emotional appeals on the reader. While the reasons supported by evidence apply the reader’s logic and give concrete examples that support his claim. â€Å"Self-Reliance† is a well written essay that persuades its readers to listen and trust themselves.