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Amber is Beautiful
Amber is a beautiful! A true gift from mother nature. It comes in many different colors - yellow, orange, red, white, brown, green, blue and almost black. It may be transparent or clouded. Transparent tones range from pale to dark yellow, to yellow...
Fashion Fall/Winter 05/06
In the latest fashions
shows all the models wore large necklaces and wrists-full of bracelets made of
wood or shells and had their hair done in loose, gentle upsweeps. The black-and-white
Beatnik style is back, aimed at the 16-25 age group,...
How To Find Love In An Instant
“You can’t hurry love. No, you’ll just have to wait…”
The old song by the Supremes sure is catchy. But something else catching on is just the opposite of what the song preaches: Speed dating.
Speed dating is on the rise among young...
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Wedding Dresses - The Latest Trends!
Wedding dresses are such an opportunity for any bride to show their unique sense of style and to really make a fashion statement. Gone are the days of the plain 'meringue' style wedding dresses with a little cute well-placed bow; now we are daring...
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Life insurance, the universe and everything
You may have noticed that life insurance is coming back into fashion. It’s true that it may not be the financial term on everybody’s lips, but sales of life insurance have been going up, according to the Association of British Insurers. Whilst we may not be saving the volume of funds that the financial institutes would like, we are at least flirting with the idea of becoming a little more protective with our finances.
If you have yet to consider taking out any life insurance, don’t worry –there’s plenty of information out there including consumer organisations such as which? and moneynet. Start with some simple, easy questions such as:
* Would my dependents need a lump sum, such as to pay off the mortgage?
* Will they need a replacement income?
* Should my partner and I both take out life insurance?
You need to ensure whatever life insurance cover you take out accommodates funeral expenses, an emergency fund to encompass household expenses in the short term, repayment of the mortgage, repayment of any other loans, inheritance tax, bequests in your will to people – in addition to your dependents, any other possible lump-sum expenses.
Life insurance broadly falls into two categories: term life insurance (protection only) and investment type. Term insurance is the cheapest type of life insurance and provides a pay-out if the person / policy holder dies within a selected period of years. If you survive beyond the given period of years, then no pay-out is given.
Investment insurance advises that you should choose a whole-of-life option which is a form of investment type policy. Whole-of-life insurance provides cover for as long as the policy holder lives. The policy must eventually pay out and therefore builds up an investment value which can be cashed in by surrendering the policy. However, it often takes many years for a surrender value to build up and in general, whole-of-life policies are expensive if your main requirement is protection, the same is true endowment policies. Endowment policies are investment insurance products which pay out upon the death of the policy holder and also if they survive.
If you’re considering term life insurance, bear in mind there are multiple variations encompassing increasing term insurance, increasable term insurance, decreasing term insurance,
renewable term insurance, convertible term insurance, family income benefit insurance and pension linked term insurance.
Increasing term insurance
Increasing term insurance is just like basic term insurance, except that, as the name suggests, the level of cover increases – typically alongside the premiums. This policy is suitable for long-term insurance as increasing prices reduce the value of a fixed level of cover over policy period.
Increasable term insurance
Increasable term insurance provides the option of increasing the level of cover either at specific intervals (such as anniversary of policy start date) or specific events (such as marriage or birth of a child). Premiums increase for additional cover, but they are based on your health at the start of the policy, even if it has since deteriorated.
Decreasing term insurance
Decreasing term insurance reduces cover year on year, with the policy holder usually requiring the cover for loan repayments such as a mortgage or to cover a potential inheritance tax bill.
Renewable term insurance
Renewable term insurance gives the policy holder the option to extend the insurance term when it comes to an end; the premium paid is the same at the start of the term, in spite of any deterioration in the policy holder’s health.
This may be beneficial to parents whose children stay in full-time education longer than originally intended. Alternatively if someone cannot afford the cover for the period they want, they could take out cover for a short period and extend it later with slightly high premiums.
It might be a financial jungle out there, but it’s not impossible to navigate your way through to financial security.
Resources:
Life insurance price comparison
Life insurance guide
which? information
About Rachel:
Rachel writes for the personal finance blog Cashzilla.
Personalfinanosaurus
Rachel eats a lot of Green and Black’s chocolate, particularly Maya Gold –it’s delicious and fair-trade too.
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fashion net - the guide to all things chic |
Directory of selected chic fashion, art, luxury, shopping, and work sites. [English and Japanese] |
www.fashion.net |
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Fashion TV - HOME |
International TV channel dedicated to fashion, broadcasts 24 hours a day on satellites and cable systems. Site features programs and lots of info on fashion ... |
www.ftv.com |
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Style.com: the online home of Vogue and W; Fashion, Fashion Shows ... |
Portal of Vogue and W magazines. Detailed coverage of designer runway collections and style news with a list of job opportunities and links to other Condé ... |
www.style.com |
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Vogue Articles, Features, and More on Style.com |
Magazine features and articles, fashion show coverage, celebrity style, fashion trend reports, party and award show coverage, shopping guides, and more. ... |
www.style.com |
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Fashion for women -- fashion designers, latest trends, fashion tips |
Fashion for women: a comprehensive guide to everything about women's fashion including current fashion trends, information about fashion designers, ... |
fashion.about.com |
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Fashion & Style - New York Times |
Fashion & Style · Dining & Wine · Home & Garden · Weddings & Celebrations · Travel · Jobs · Real Estate · Autos · Comedy on the Hot Seat. By ALLEN SALKIN ... |
www.nytimes.com |
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Fashion - Wikipedia, the free encyclopedia |
The term "fashion" is frequently used in a positive sense, as a synonym for ... In this sense, fashions are a sort of communal art, through which a culture ... |
en.wikipedia.org |
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fashionoffice.org : trends in fashion - Europe . America . Asia |
fashion magazine - international trends in fashion, style, design, photo, film, art, beauty. catwalk TV, shows, photo stories from New York, Paris, London, ... |
www.fashion.at |
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Fashion, from the concrete to the catwalk | fuk.co.uk |
London designer interviews and runway archive, photo shoots, street style, weekly updated news and a fashion clinic. |
www.fuk.co.uk |
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FASHION Magazine |
The web component of Canada's general fashion title, with fashion, beauty, gift ideas and online competitions. |
www.fashionmagazine.ca |
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Telegraph | Fashion |
Fashion Director Hilary Alexander looks at an expanding market. ... Fashion 'Oscar' winner Giles Deacon is to join luxury label Daks, reveals Hilary ... |
www.telegraph.co.uk |
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Telegraph | Fashion |
Fashion 'Oscar' winner Giles Deacon is to join luxury label Daks, ... Buying vintage is more than a fashion trend, it's a good investment says Maria ... |
www.telegraph.co.uk |
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Fashion Jobs | Fashion Jobs at 24 Seven Inc. |
We're 24 Seven Inc., the number one source of fashion jobs and talent for the ... Our success at connecting the right people with the right fashion jobs has ... |
www.fashion-jobs.biz |
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Fashion History Costume Trends and Eras, Trends Victorians - Haute ... |
Pauline Weston Thomas and Guy Thomas place costume alongside the social history of an era, focusing on fashion from 1800. Includes undergarments, haute ... |
www.fashion-era.com |
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Fashion Planet: Summer |
New York-based site looks at collections, trends, personalities and global lifestyles with monthly updates. |
www.fashion-planet.com |
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New York Fashion -- New York Magazine - Designers, Fashion ... |
Fall Fashion. rachel weisz The Sexes Get Dressed. For her? ... Spring 2007 Fashion. philosophy and versace European Shows. The best of the big collections. ... |
nymag.com |
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New York Fashion -- New York Magazine - Designers, Fashion ... |
The recently maligned country struts its stuff at a fashion show in Manhattan. ... Fall Fashion. rachel weisz The Sexes Get Dressed. For her? ... |
nymag.com |
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Fashion Icon |
Features latest trends, dressing tips, an ask the fashion experts column, and fun craft projects. |
www.fashion-icon.com |
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Fashion News on Yahoo! News |
Cameron Diaz, Kate Winslet Shine at "The Holiday" Premiere Fashion Wire Daily ... JAKARTA (Reuters) - Mention the words Islamic and fashion and most people ... |
news.yahoo.com |
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Hint Fashion Magazine |
Hint Fashion Magazine, featuring fashion news, model pages, photo shoots, designer interviews, beauty reports, party pictures and message boards. |
www.hintmag.com |
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