When it comes to the most fundamental steps of personal finance, term life insurance is one of the essentials. This is especially true for young families who are starting the personal finance evaluation process. Term life insurance is a very valuable tool for those families who need financial protection at a reasonable cost. All other protection options come at a higher rate, which is just not an option for young families, just getting started, making this type of insurance one of the most widely utilized forms of insurance available today.Term life insurance, as the name implies is insurance that protects an individual’s life for a specific period of time, or term. When compared to its traditional whole life counterpart, term protection can be purchased for fractions of what it would cost to fund a permanent insurance policy. Whole life insurance, or permanent insurance, is often more expensive than term because it is not sad for a specific term, and lasts as long as the policy is enforced. Permanent life insurance certainly has its benefits, but when it comes to buying life insurance to protect your family at a substantial discount there is no beating term.Depending on your needs, term coverage can be purchased so that it is in force as long as you need it. This type of insurance is commonly purchased for guaranteed periods of 10, 20, or 30 year terms. This provides for much flexibility. You may want to have insurance in place for at least 30 years, ensuring that your kids are grown and out of the house before expiration. You may want to provide income for a surviving spouse, should something happen to you. Term provides that flexibility, and does so on the cheap.Term life insurance premiums are determined by a number of things. For obvious reasons, your health and your age are major factors in determining your insurability. The farther you go out in years, also plays a role in the insurance costs. If you’re a relatively healthy 25-year-old, and just need a life insurance for a period of 10 years, term coverage is very inexpensive. If you’re a 55 years old, and want a policy that will ensure you for another 20 years, the costs will be more expensive, but still reasonable when compared to whole life. Regardless of your specific situation, term is often the answer, should you need insurance for a specific period.One of the biggest objections that we hear in the insurance industry is that term premiums are often wasted. The reason being, most individuals feel like they will outlive their 20 or 30 year policies. And many of them will, so they want an alternative. The downside to term lcoverage is that when the term is over the insurance policy expires worthless. To answer this objection, the insurance industry has introduced a new product called return of premium life insurance. This product commonly comes in the form of a rider, which insurers that if you don’t die you’ll receive all your premiums back at the end your policy. This win-win situation comes at a cost, however, many return of premium policies can add 60%, to premium costs. For some, the protection of family and premium dollars, if you’re fortunate enough to live are worth the extra cost. Most of the time we recommend a straight term policy, for those looking for the lowest cost.For young families learning about personal finances, life insurance planning should be at the forefront. It offers the protection you and your family need most, and it does so at a great price. It pays to go with an independent insurance agent or to search online, in order the most attractive term life insurance rates. Since there is no tie to any one specific insurance company, they can compare a number of insurance companies to find you the best rate.
MDs Need To Refer To Chiropractors
Most people who suffer with acute or chronic back pain primarily will go to a medical doctor for help. Yet despite their best efforts, allopathic physicians fail to help most back pain suffers. M.D.’s utilize medications as their primary means to help people.However research has shown drugs to be best for acute, self-limiting musculoskeletal pain, not for chronic, ongoing problems. According to current scientific research, the most effective therapies for chronic back & neck pain is chiropractic adjustments combined with active care rehabilitation. Despite all of this, most M.D.’s still don’t refer their patients to chiropractors.So why is it that more M.D.’s done refer their back pain patients to chiropractors? If they truly care about the best interests of their patients, they would (or should). Historically, the primary reasons why M.D.’s would refuse to refer out to a chiropractor were:
They were forbidden by the AMA (American Medical Association) – the largest and most powerful political organization which represents the majority of medical doctors. The AMA exerts vast influence over insurance regulations and reimbursement schedules.
They were taught not to during their medical school training and during their residency. The basis for this is rooted in ignorance and professional bigotry.
Powerful political and lobbying efforts on the part of pharmaceutical companies tainted their opinions of alternative medicine approaches.
The chiropractic community has failed to sufficiently educate their medical colleagues about the features and benefits of chiropractic care. It can be a daunting challenge to meet and educate an M.D. on his turf and attempt to change the way they think about something. (I personally have done this, and sometimes it feels like talking to a brick wall).
M.D.’s can no longer hide behind the excuse that chiropractic isn’t scientific or that it’s not evidence based enough. There is an abundance of published research proving that chiropractic works, that it’s safe and that it’s more cost effective than drugs or surgery. M.D.’s need to abandon their prejudices and professional bigotry against chiropractic and start accepting and embracing it for the sake of their patient’s health. Regular referrals to chiropractors should be taught to medical students and practiced from residency through the duration of an M.D.’s career.The public needs to get informed about chiropractic. People need to actively approach their primary care physicians and educate them about their own experiences with chiropractic. They need to emphasize the value in a drug-free approach to living a pain-free lifestyle. And if the M.D. still stubbornly refuses to refer to a chiropractor, the patient needs to fire the M.D. and find somebody else who cares more about the well being of the patient than stubbornly clinging to their own bias.The time is now for M.D.’s to accept chiropractic care as an acceptable first line approach to helping people overcome chronic musculoskeletal pain. Chiropractic has an advantage over drugs in that it’s safer, less expensive and get’s superior results.
What Careers Are Available With a Major in International Business?
Do you love to travel? Are you fascinated by exotic cultures, people whom are different from you, foreign languages and world customs? If so, you may be the ideal candidate for a college degree in International Business.
Students who are interested in an International Business college degree should enroll in a specialized degree training education program at a college or school. This program should consist of focused courses and hands-on training classes that prepare students for a successful career.
International business is a term used to collectively describe any topic or subject that relates to the operation and function of organizations that are involved or located in several different countries. These organizations are often called multinational corporations.
Popular examples of multinational companies are Toyota, McDonald’s, LG, Verizon Wireless, Siemens, Yahoo, Sprint, Google, Hyundai, Dell, Microsoft, L’Oreal, Revlon and Honda. Such companies usually possess an interest or subsidiary over another company in the country of venture. International business is powerfully impacted by the political, socio-economic, cultural, global and legal environmental standards of individual countries. Globalization has also greatly contributed to the increasing success of
international businesses.
Laws, regulations and standards of living can differ substantially in a multitude of countries. A person who wishes to work professionally with international clients must address issues like language barriers, cultural differences, climate changes, business practice variations and many other potential conflicts.
A college education in international business will focus on business studies courses, general studies classes and cultural awareness training programs. College degree programs provide students with training in information technology, international studies and business management. Students will develop in-depth skills that utilize business strategies and intelligent techniques in an international context. They will also acquire a general liberal arts education that will eventually lead to the development of a well-rounded, knowledgeable and worldly business leader. The program will also include basic courses that address the economic aspect of business.
Why do some college degree programs incorporate a liberal arts approach to the areas of international politics and culture? Many colleges believe that this type of knowledge can dramatically improve a person’s cultural understanding. These programs survey the dynamics and various aspects of the global business setting. They focus on the international economic, historical, political and cultural foundations of the modern business climate, ideal multinational corporate functions and the general successful management of a corporation in an international environment.
There are many paths that a student can take with a degree in international business. A graduate can explore the fields of importing and exporting tangible goods, foreign banking, world-servicing nonprofit organizations and international business empires. By pursuing an education in international business, a student can:
Explore business practices, ideals, standards and laws in an international or multicultural setting
Familiarize oneself with the legal practices and procedures of various cultures and countries
Grow knowledgeable in the areas of international business that are constantly evolving or changing
Learn about cultural differences that may strongly impact an international relationship among clients