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Day: March 10, 2019

The Difference Between Health Insurance and Life Insurance

Health insurance is designed to protect you against having to pay large medical bills by offering coverage for a range of medical procedures and treatments. By contrast, life insurance is primarily designed to pay out a lump sum in the event of your death.

Life insurance is typically purchased in one of two forms.

The simplest form of life insurance, and also the least expensive, is term life insurance which pays out only on your death. You can usually purchase term life insurance for as little as one year or for up to 30 years and the policy will only pay out if you die before the policy reaches its end date. You may consider purchasing term life insurance later in life or when you feel that your life is likely to be at greater risk over a short period of time for some reason.

The second form of life insurance is whole life insurance which is a combination of both a term life insurance policy and an investment plan. Your monthly (or annual) premiums are divided between the two parts of the policy, with one part of the premium providing you with insurance cover should you die during the period of the policy and the reminder being paid into an investment vehicle, such as a mutual fund or stocks and bonds. Whole life insurance is a popular choice as it provides you with both protection for your family and a savings vehicle, possibly to meet college tuition fees or to add to retirement funds. These policies are however normally heavily loaded with both fees and responsibilities and, if you are looking at a whole life policy principally as an investment vehicle, then there are certainly better options available to you.

The cost of both a life insurance policy and a health insurance policy depend to a large extent upon your age and health and the younger and healthier you are the cheaper they will be.

Perhaps the most important thing to understand is that life insurance and health insurance are designed to cover two very different situations and it is not a case of choosing one or the other, as many people think, but it is a case of deciding as two separate issues whether you need either or both. …

Homeowners Insurance – Do These Often For Your Own Good

We may debate on whether a home is the most precious investment you have. However, we can not argue about the fact that it certainly ranks among the most important. Homeowners insurance has there before becoming widely accepted as a smart move. But you need to check regularly for two reasons ….

Changes in your property or even the fact that your house might be a few years older now are reasons to do a check. It's a good idea to make sure your homeowners insurance policy is still relevant to your current coverage needs. Let's look at this example …

The value of your home when you bought your homeowners insurance might be a lot less than the cost of replacing it should anything happen.
Your homeowners insurance limits determine what you'll get in the event of a claim. Can you replace your present home with your present limits?

You can easily pay too much for homeowners insurance. Other insurance companies may have something better for you. The only way for you to find out is to know what current offers are.

Things may happen within the insurance industry that could cause a change in rates by insurance companies. An insurer is bound by law to inform you about changes in policies that affect you. However, you do not expect your insurance company to tell you competitors that offer better price / value. Do you?

Even where your details remain unchanged you can still save a bundle by visiting at least three insurance quotes sites. All you need to do is obtain and compare quotes from them. That's how you can ensure you always know what the best price is at any time and if you're paying too much.

You run two main risks if you do not check your home insurance policy and insurer from time to time: You could have far more or less than you currently need or you may be paying more or less than you should.

Quotes sites can help you find out if you're paying too much. Furthermore, they're show you the insurance companies that offer the best rates. …

Online Business Degrees For Success

American employers are increasingly turning to job candidates who have solid business training to help build profitability in a competitive landscape. Even government agencies are looking for candidates who hold business degrees. If you're looking to develop keen skills and instincts, online business degree programs can help you write your own ticket to a rewarding career.

The advantages of pursuing an online business degree are exceptional: you can dovetail your learning with your existing work and family life without compromising them. All you need is Internet access, the drive to succeed, and you're on your way. Some employers may even pay full or partial tuition for employees attending an online business school.

Business Degrees and Careers

For those just entering the professions, an undergraduate online business degree in finance, or accounting can help launch your career. Classes for two- and four-year programs are available 24/7 from your desktop. Gaining a general, thorough understanding of business practices, principles, and software can make you an attractive candidate in most every industry.

You may even choose to specialize in emerging fields of eCommerce, international trade, global management, entrepreneurship, consulting, and change management, pursuing a graduate degree or online MBA that prepares you for organizational leadership.

Management analyzes and personal financial advisors are among the fastest growing growing groups in the nation. The US Bureau of Labor Statistics (BLS) predicts that new jobs for personal finance advisers should grow by an astounding 37 percent during the 2006-2016 decade, with positions for management analysts rising by 22 percent. Both positions have high earnings upsides, but do require post-graduate training.

Thriving in Sales or Marketing

You can also profit from online business school training if you're planning on entering the sales or marketing verticals. You can earn an online business degree with a concentration in sales. The BLS reports that sales managers who combine a degree with key experience took home a median salary of $ 94,910 in 2007.

Marketing managers should find a healthy 12 percent growth in jobs between 2006 and 2016, according to the BLS. Jobs for graduates can be found in finance, banking, manufacturing, healthcare, and the tech sector. In 2007, marketing managers earned a median income of $ 104,000.

Business Degrees: Other Fields to Pursue

You can also pursue online specializations in human resource management, working as a recruiting or benefits as a specialist in the corporate or government sector – or work as an independent head-hunter and consultant. The BLS predicts a 17 percent increase in jobs for HR professionals between 2006 and 2016. You can get started in the field with as little as an associate's degree, although most companies are looking for bachelor's or MBA degrees.

Business training can improve your value in the workplace as well as prepare you for working as an independent, opening your own small business, or partnering with another entrepreneur. If you're already working in a niche career, adding online business training can help you advance within the company. …