January 12, 2009 at 1:30 pm (Business, Finance, insurance crm, insurance software, Online news, online talk)
Tags: insurance benefits, life insurance quote online, life planning, online insurance, online talk, tax, tax plan, Term life insurance
Good evening friends,
I was thinking to buy term life insurance as part of my income tax planning. My friends told me that there are many companies who are providing instant life insurance rates online. I was thinking what to do and how to do and I came across following article at yahoo finance.
A popular approach to buying insurance is based on income replacement. In this approach, a formula of between five and ten times your annual salary is often used to calculate how much coverage you need. Another approach is to purchase insurance based on your individual needs and preferences. There are many insurance companies who are providing life insurance quotes online. The first step is to determine your unique income replacement needs.
Currently, a large portion of your income goes to taxes (insurance benefits are generally income tax free) and to support your own lifestyle. Start off by determining your net earnings after taxes. Then add up all your personal expenses such as food, clothing, magazine subscriptions, club memberships, transportation expenses, etc. The remainder represents annual income that your insurance will need to replace. You’ll want a death benefit amount which, when invested, will provide income annually to cover this amount. Then, you should add to that the amounts needed to fund one-time expenses such as college tuition for your children or paying down mortgage or debt.
Income replacement for nonworking spouses is an important and often overlooked insurance need. Coverage should provide for your costs for day care, housekeeping, or nursing care. Add to this any net earnings from part-time employment.
Finally, estimate your own “final expenses” such as estate taxes, uninsured medical costs, and funeral costs.
Source: yahoo finance
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January 9, 2009 at 11:41 am (Marketing, Software)
Tags: market news, molecules, nanotechnology, news review, Online news, online review, online talk, sciencist news, technology, U.S. scientist, yahoo news
U.S. scientists have found a way to levitate the very smallest objects using the strange forces of quantum mechanics, and said on Wednesday they might use it to help make tiny nanotechnology machines. They said they had detected and measured a force that comes into play at the molecular level using certain combinations of molecules that repel one another.
The repulsion can be used to hold molecules aloft, in essence levitating them, creating virtually friction-free parts for tiny devices, the researchers said. Federico Capasso, an applied physicist at Harvard University in Massachusetts, whose study appears in the journal Nature, said he believed that detection of this force opened the possibility of a whole new class of tiny gadgets. The team, including researchers at the National Institutes of Health, has not yet levitated an object, but Capasso said he now knows how to do it. “This is an experiment we are sure will work,” he said. His team has already filed for patents.
“By reducing the friction that hinders motion and contributes to wear and tear, the new technique provides a theoretical means for improving machinery at the microscopic and even molecular level,” Dr. Duane Alexander of the NIH’s National Institute of Child Health and Human Development said. “The emerging technology of nanomechanics has the potential to improve medicine and other fields,” he said in a statement.
Ref: yahoo news
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January 6, 2009 at 11:00 am (Blinds, christian new year, Christmas planning, church, electronic product, family, festival, festival planning, festival tips, fireworks, friends, gift card, mobile phone, motels, room booking)
Tags: Blinds, christian new year, church, electronic product, family, fireworks, friends, gift card, mobile phone, motels, new year, New year celebration, new year gift, new year resolution, new year tradition, room booking
One tradition of the season is the making of New Year’s resolutions. Many people keep New Year resolutions in the coming year. They even pledge to get their desires fulfilled. Modern New Year resolutions are the promise to lose weight or quit smoking and many more.
Another famous tradition of New Year Parades is attended with excitement by people of all age groups. These parades are preceded by the football game which is the main attraction of the festival. Last but not the least, New Year traditions also include the bursting of crackers and other fireworks to scare off the evil spirits and bring in good fortune. Now a days people are giving different gifts to each others in new year like gift card, mobile phone, electronice product, blinds, vertical blinds, roman shades, California motels room booking etc.
Christian New Year Celebrations
New Year ushers in the festive spirit. People splurge in the New Year activities with fun and excitement. New Year brings in happiness and so people make it a grand affair to welcome the coming year. New Year celebrations begin with the New Year Eve. Christians attend balls, theme and private parties to celebrate the New Year. Party halls are booked in advance and there is rarely any place which is not hit by the partiers. Festive music and songs rock the New Year parties. People dress up in their best clothes to celebrate the New Year. At the stroke of 12 at midnight, people make a lot of noise, hug, kiss and wish each other “Happy New Year”.
New dawn is welcomed with open arms by the Christians. Even after partying all night, Christians don’t delay to visit the church on the New Year’s Day. They spend the day with family and friends, go to picnics, watch movies and have favorite meals.
Ref: New Year
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January 5, 2009 at 11:30 am (Christmas, Christmas planning, CRM, festival, festival planning, festival tips, Finance, Holiday plan, Software)
Tags: christian new year, Christmas planning, Finance, new year calander, new year plan, new year talk, new year tradition
Christian or Gregorian New Year falls on January 1st. Countries following the Gregorian Calendar celebrate the New Year on this date. Gregorian Calendar is a modification of the Julian Calendar established by the Roman Emporer, Julius Caesar in 46 BC. In 1582, Pope Gregory XIII of Rome, abolished Julian Calendar as it was slightly long and caused vernal equinox to drift backwards in the calendar year (January 1 to December 31). Gradually Gregorian Calendar gained acceptance in several countries across the world as it created a balance between seasons and calendar.
Christian/Gregorian New Year Traditions
New Year traditions create a sense of responsibility and also ties an emotional bond of togetherness, belief and faith. New Year traditions are being followed with immense devotion and joy by the people of Christian community. Tradition of New Year Baby is used as a symbol of rebirth by many Christians. Image of a baby with New Year’s banner is displayed at many houses.
New Year festivities are incomplete without singing the traditional Auld Lang Syne song. It means ‘the good old days’. People sing this song altogether on the New Year’s Eve. Traditionally, it is thought one’s fate is determined according to the type of food consumed on the first day of the year. People prepare auspicious meals and celebrate the New Year by eating black-eyed peas. Similar to this, the tradition of first-footing is also practiced very seriously by Christians. The visitor should be a tall and dark-haired man.
Ref: New Year
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