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Podcasting is the new buzz of the internet. A Podcast is an mp3 or mp4 file of your post article that may or may not include video. Most of them are just audio files that you can listen to on the web or download for later listening.
Podcasting can [...]
How I would LOVE to have some world series tickets! I adore baseball — it’s such a great sport! Don’t know who will be in the series just yet, but no matter who ends up going, I still would just love to see one in person, up close and for real! T.V. is all fine and good, but there is something removed from the electricity of the game when you are watching from behind the television camera. You miss out on the smells, the emotions of the crowd and you have to listen to those announcers prattle on and on. Then there are the commercials — yech! Let me be there!
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Insurance, especially life insurance, is very confusing. You have term life insurance and you have whole life insurance. Term insurance insures you for a specific period of time after which, if the insured wishes to continue, the premium usually increases by a certain amount. This type of insurance is usually cheaper than whole life insurance, but the only way the insured collects is if they die or are seriously injured (what ever the insurance covers). This means that you are essentially betting against the insurance company that you will die or be seriously injured.
Whole life insurance does essentially the same thing, however, although it’s more expensive than term insurance, you build up a cash return that you can withdraw once the time period is reached. It’s a very poor return on your investment unless, again, as with the term insurance, you die or are seriously injured in which case you or your heirs can collect the face value of the policy.
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I have been wondering for some time now if insurance is really some kind of scam. If I took the money, for example that I had paid over the years for my child insurance policy and put it into a savings account for that child, at the end of the 18 years I carried that insurance on him, I would have several thousand dollars saved — probably enough to have sent him to college on. Since it was term insurance, the money was lost at the end of the policy and I received no benefit from it. Whole life insurance would have cost more, but I would have received an amount at the end of the term although it would have been far less than the accumulative amount I paid. Essentially, I gambled with the insurance company that my child would die and I lost — kind of a harsh way of putting it, but that’s the way the system works.
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Search engines are a great thing — they enable us to find out quite a bit of information about a lot of different things, but what if you’re researching a business that you think you might want to do business with? You can certainly go to your local Better Business Bureau’s website, but many of those are not yet set up to report on specific businesses. Biz Dir IS. For example, type in Dr. Larry Shapiro and it brings up information about this doctor, his specialty and location. Easy as pie!
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