Low Cost Term Life Insurance

The Role of Insurance in Your Financial Plan

Insurance is an important element of any sound financial plan. Different types of insurance protect you and your loved ones in different ways against the cost of accidents, illness, disability, and death.

What Are Your Insurance Needs?

The insurance decisions you make should be based on your family, age, and economic situation. There are many forms of insurance and, unfortunately, no one-size-fits-all policy. Life insurance, for example, is a virtual necessity if you have a spouse and children, but perhaps is less important for a single person. Disability insurance, which provides an income stream if you are unable to work, is important for everyone.

Need low cost life insurance? Take a look at the budget friendly option of a term life insurance policy. Term life insurance policy premiums are generally much cheaper than cash-value policies (universal and whole), especially if you are young and in good health and a low cost term life insurance policy does exactly what you expect it to do by financially taking care of your beneficiaries if you die. Here's the basics of a low cost term life insurance policy:

Facts About a Low Cost Term Life Insurance Policy

Seems simple enough, right? Well, as with all insurance, there are little complexities and loop-holes you need to fill.

For instance, the death benefit may not be the same throughout the term life insurance policy depending on whether you choose decreasing, level, or increasing term life insurance. And, what about when your term is over? That's where renewable and convertible term insurance comes in. Take for instance you want a basic 10 year low cost term life insurance policy with the death benefit to stay the same throughout the term life insurance policy, and at the end of the term you would like to "convert" to a different term life insurance policy such as a cash-value policy, without taking another medical exam. In that case you would choose a level term convertible life insurance policy.

Deciding if a Term Life Insurance Policy is for You

Term life insurance does not build cash-value or have the tax benefits like universal or whole life, but it can be a great option for someone who would like life insurance, but can't afford the higher premiums. Here is a check-list to help you decide if a low cost term life insurance policy is right for you:

· You're on a budget and cannot afford a very high premium.

· You are young, and in good health.

· You are looking for a simple, straight-forward, low cost life insurance plan to protect your beneficiaries.

Federal Student Loan Consolidation

When should you consolidate?

There are no deadlines in the Federal Consolidation Loan program. There are several things to keep in mind, however, regarding when to consolidate. Your loans must be fully disbursed to be eligible for a Federal Consolidation Loan. They also must be in their grace period or in repayment (including deferment or forbearance).

It is best for you to consolidate while your Federal Stafford Loans are still in their grace period, when they still have the lower in-school interest rate.

If you are consolidating your federal student loans during your grace period but are worried about losing your grace period, rest assured. Section D on the Federal Consolidation Loan application includes a question that allows you to enter your grace period end date. If a date is provided in this question, the lender won’t complete processing of the application or fund the loan until near that date. Therefore, you can apply for the consolidation loan at any time during your Federal Stafford Loan grace period, qualify for the lower in-school interest rate, and postpone the start of repayment on the debt until near the end of your grace period.

The longer you postpone funding of your Federal Consolidation Loan, however, the more interest will accrue on any unsubsidized Federal Stafford Loans (or any other federal student loans for which you are responsible for the interest) that are included in your Federal Consolidation Loan. You should also know that, while funding of your Federal Consolidation Loan is pending, interest may accrue on your Federal Stafford Loans at a different rate than the rate used to calculate your Federal Consolidation Loan interest rate.

If your loans are already in repayment, federal student loan consolidation may still be beneficial. It allows you to fix the interest rate on your federal student loans while rates are still low.

Simulated Forex Trading

What Simulated Forex Trading Is & Why You Need It

Simulated Forex trading is the best opportunity that beginner Forex traders have to practice their Forex skills. This article will go into detail discussing what simulated Forex trading is and why beginners must try simulated Forex trading before they risk their own money. Keep reading to get access to a $100,000.00 simulated Forex trading account of your own!

Simulated Forex trading is practicing Forex trading without risking any of your own money. This is an ideal way for beginner Forex traders to perfect their Forex knowledge before taking the next step of trading on Forex with their own money.

Simulated Forex trading allows the trader to make trades just like you would in a real Forex market with your own money.

With simulated forex trading the beginner Forex trader gets the full functionality of an online Forex broker at zero risk to the Forex trader.

Simulated Forex trading involves the same real charts and live price data as would occur if trading live. Simulated Forex trading will give beginner Forex traders, or traders needing to improve their self-confidence, the same fundamental Forex experience as if you were in the live "real" Forex market by allowing the Forex trader to gat the same live Forex streaming data used by successful, professional Forex traders.

Simulated Forex trading allows the Forex trader to keep their emotions at bay. While you won't feel your pulse racing as it would if you were risking tens of thousands of dollars, it gives Forex traders a fantastic starting ground to practice their Forex fundamentals before taking it into the real world and putting their hard-earned money at risk.

Simulated Forex trading allows beginner Forex traders to learn the fundamentals of Forex money management and to perfect their Forex technical analysis skills, which are one of the most critical fundamentals of every Forex trader.

I would strongly discourage any beginner Forex trader starting out with their own money. To do so is virtual financial suicide. I suggest you start simulated Forex trading immediately. Make sure that the simulated Forex trading account has access to a reasonable amount of money to play trade with. At least $75,000 is the ideal. Keep reading to get access to a $100,000.00 simulated Forex trading account.

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Finance and study


Finance studies and addresses the ways in which individuals, businesses, and organizations raise, allocate, and use monetary resources over time, taking into account the risks entailed in their projects. The term finance may thus incorporate any of the following:

  • The study of money and other assets;
  • The management and control of those assets;
  • Profiling and managing project risks;
  • As a verb, "to finance" is to provide funds for business.

The activity of finance is the application of a set of techniques that individuals and organizations (entities) use to manage their financial affairs, particularly the differences between income and expenditure and the risks of their investments.

An entity whose income exceeds its expenditure can lend or invest the excess income. On the other hand, an entity whose income is less than its expenditure can raise capital by borrowing or selling equity claims, decreasing its expenses, or increasing its income. The lender can find a borrower, a financial intermediary, such as a bank or buy notes or bonds in the bond market. The lender receives interest, the borrower pays a higher interest than the lender receives, and the financial intermediary pockets the difference.

A bank aggregates the activities of many borrowers and lenders. A bank accepts deposits from lenders, on which it pays the interest. The bank then lends these deposits to borrowers. Banks allow borrowers and lenders of different sizes to coordinate their activity. Banks are thus compensators of money flows in space since they allow different lenders and borrowers to meet, and in time, since every borrower, in theory, will eventually pay back.

A specific example of corporate finance is the sale of stock by a company to institutional investors like investment banks, who in turn generally sell it to the public. The stock gives whoever owns it part ownership in that company. If you buy one share of XYZ Inc, and they have 100 shares outstanding (held by investors), you are 1/100 owner of that company. You own 1/100 of the net difference between assets and liabilities on the balance sheet. Of course, in return for the stock, the company receives cash, which it uses to expand its business in a process called "equity financing". Equity financing mixed with the sale of bonds (or any other debt financing) is called the company's capital structure.

Finance is used by individuals (personal finance), by governments (public finance), by businesses (corporate finance), etc., as well as by a wide variety of organizations including schools and non-profit organizations. In general, the goals of each of the above activities are achieved through the use of appropriate financial instruments, with consideration to their institutional setting.

Finance is one of the most important aspects of business management. Without proper financial planning, a new enterprise cannot even start, let alone be successful. As money is the single most powerful liquid asset, managing money is essential to ensure a secure future, both for an individual as well as an organization.

Desktop Computer

A desktop computer is a personal computer made for use on a desk in an office or home and is distinguished from portable computers such as laptops or pads. Desktop computers are also known as microcomputers. There are four types of desktop computers: home computers, or personal computers; workstations, Internet servers, and special communications computers. Desktops are currently the most affordable computers and ubiquitous in businesses, schools, and households; they are used for performing office tasks, organizing digital photos, video editing, and Internet access. Nearly all desktop computers are modular, with components that can easily be replaced or upgraded. Desktop computers come in a variety of case styles ranging from large vertical towers to small form factor models that can be tucked behind an LCD monitor. Desktop computers are commonly connected to a power strip.


  • Fan - cools the computer. These are present on most computers. There are often multiple, one to cool the processor (see below), one in the power supply, and possibly additional ones for the graphics card and general cooling.
  • Motherboard (a.k.a. Main board) - links all of the components together and routes data.
  • HDD (Hard Disk Drive) - location where all information can be stored even when power is off.
  • ODD (Optical Disc Drive) - reads most or all types of CDs and/or DVDs.
  • Processor - The main brain of the computer.
  • CPU Cooler - cools the processing unit. Typically a fan combined with a heat sink.
  • RAM - short-term data storage, which works only when power is on.
  • Graphics card - codes video output and delivers to monitor.
  • Physics card - performs physics computations in some modern games.
  • Sound card - codes sound output and delivers to speakers.
  • Speakers - deliver sound.
  • Modem - used to access data via a telephone line (dial-up connection). Used to access BBS and the Internet.
  • Network card - allows the computer to be linked to a computer network where it can communicate with other computers. Also used as a means of accessing the Internet via a broadband connection.
  • Computer PSU (Power Supply Unit) - A device that provides power to the rest of the computer parts.
  • FDD (Floppy Disk Drive) - Reads and Writes floppy disks. Although largely supplanted by CDs and Flash Drives, is still common on many systems, and may be required during set-up on certain operating systems.

Laptop Computer

A laptop computer, or simply laptop (also notebook computer or notebook), is a small mobile computer, which usually weighs 2.2-18 pounds, depending on size, materials, and other factors.

While the terms laptop and notebook are often used interchangeably, "laptop" is the older term, introduced in 1983 with the Gavilan SC. "Notebook computer" is a later coinage, which was used to differentiate smaller devices such as those of the NEC UltraLite and Compaq LTE series in 1989, which were, in contrast to previous laptops, the approximate size of an A4 or letter size paper sheet.The terms are imprecise: due to heat and other issues, many laptops are inappropriate for use on one's lap, and most notebooks are not the size of typical letter or A4 paper notebook. Although some older portable computers, such as the Macintosh Portable and certain Zenith TurbosPort models, were sometimes described as "laptops",their size and weight were too great for this category.

Satellite phone

A satellite telephone, satellite phone, or satphone is a mobile phone that communicates directly with orbiting communications satellites. Depending on the architecture of a particular system, coverage may include the entire Earth, or only specific regions.

Satellite phone (Inmarsat)

The mobile equipment, also known as a terminal or earth station, varies widely. A satellite phone handset has a size and weight comparable to that of a late 1980s or early 1990s mobile phone, but usually with a large retractable antenna. These are popular on expeditions into remote areas where terrestrial cellular service is unavailable.

A fixed installation, such as used shipboard, may include large, rugged, rack-mounted electronics, and a steerable microwave antenna on the mast that automatically tracks the overhead satellites.

Satellite phones are usually issued with numbers in a special country calling code. For example, Inmarsat satellite phones are issued with codes +870 through +874, while Iridium satellite phones are issued with codes +881 6 and +881 7. Some satellite phones are issued with ordinary phone numbers, such as Global star satellite phones issued with U.S. telephone numbers.


Technology is a broad concept that deals with a species' usage and knowledge of tools and crafts, and how it affects a species' ability to control and adapt to its environment. In human society, it is a consequence of science and engineering, although several technological advances predate the two concepts. Technology is a term with origins in the Greek "technologia", "τεχνολογία" — "techne", "τέχνη" ("craft") and "logia", "λογία" ("saying").However,a strict definition is elusive; "technology" can refer to material objects of use to humanity, such as machines, hardware or utensils, but can also encompass broader themes,including systems, methods of organization, and techniques. The term can either be applied generally or to specific areas: examples include "construction technology","medical technology",or"state-of-the-art technology".

The human race's use of technology began with the conversion of plentiful natural resources into simple tools. The prehistorically discovery of the ability to control fire increased the available sources of food, and the invention of the wheel helped humans in travelling in and controlling their environment. Recent technological developments, including the printing press and the Internet, have lessened physical barriers to communication and allowed humans to interact on a global scale. However, not all technology has been used for peaceful purposes; the development of weapons of ever-increasing destructive power has progressed throughout history, from clubs to nuclear weapons.

Pharmacy tech

Pharmacy technician is a job title for a pharmacy staff member "who works under the direct supervision of a licensed pharmacist, and performs many pharmacy-related functions." [1] In most cases, job duties include providing medication and other health care products to patients. Pharmacy technicians often do the routine tasks associated with preparing prescribed medication and providing drugs to patients, and may also do compounding of medications. However, pharmacists check all medications before they go to the patient, and only pharmacists may counsel patients on the proper use of medications.

Training and certification

Most pharmacy technicians have only on-the-job training, but many employers favor those who have completed a formal training and certification process. The largest national certification exam in the United States is given by the Pharmacy Technician Certification Board (PTCB). Completing this exam earns the technician the professional title "CPhT" (Certified Pharmacy Technician) to follow their name. As of 2002, in the United States, there were no U.S. federal (and few state) laws making it mandatory for all technicians employed to meet this qualifying standard. However, some non-federal jurisdictions do require licensing such as the state of Virginia. Many are required to register or become licensed in most states, and pass a state examination administered by the state board of pharmacy; regardless of whether they pass the national exam by PTCB. Massachusetts requires passing the state pharmacy board exam regardless of PTCB.

Pharmacy technician training programs are offered by the military, some hospitals, proprietary schools, vocational or technical colleges, and community colleges. These prepare the student for a pharmacy technician exam (usually the PTCB exam) and often include labs and an "externship" so the student can gain real-world pharmacy experience.

In the United Kingdom and many other countries, there are accredited programs which pharmacy technicians must complete. In the UK this is composed of an 'on the job' qualification (an NVQ level 3); and a theory based qualification (BTEC) usually completed on day-release at college or by correspondence course. Within the next few years (probably around 2008) "pharmacy technician" will become a protected job title in the UK and only those with both qualifications will be allowed to use this title by law.Job duties

Pharmacy technicians work in a variety of locations. According to a 2002 United States Department of Labor report, about two-thirds worked in retail pharmacies, both independently owned or part of a drugstore, grocery store or mass retailer chain. An additional 22% of pharmacy technician jobs were in hospitals, while a small portion worked in mail-order or Internet pharmacies, clinics, pharmaceutical wholesalers, and the Federal Government. The mix in the UK is of a similar balance.

Mobile Phones

A mobile or cellular telephone (commonly, "cell phone" or "mobile phone") is a long-range, portable electronic device used for mobile communication. In addition to the standard voice function of a telephone, current mobile phones can support many additional services such as SMS for text messaging, email, packet switching for access to the Internet, and MMS for sending and receiving photos and video. Most current mobile phones connect to a cellular network of base stations (cell sites), which is in turn interconnected to the public switched telephone network (PSTN) (the exception are satellite phones).

History of mobile phones

Mobile phones from various years, ranging from a large late 1980s-era phone to tiny 2000s phones.

The Mobile phone is one of the most used pieces of equipment today. The concept of using hexagonal cells for mobile phone base stations was invented in 1947 by Bell Labs engineers at AT&T and was further developed by Bell Labs during the 1960s. Radiophones have a long and varied history that stretches back to the Second World War when the military started to use radio telephony links and civil services in the 1950s, with hand-held cellular radio devices being available since 1983. Due to their low establishment costs and rapid deployment, mobile phone networks have since spread rapidly throughout the world, outstripping the growth of fixed telephony.

Optical Telescope

An optical telescope gathers and focuses light mainly from the visible part of the Electromagnetic spectrum (although some work in the infrared and ultraviolet). Optical telescopes increase the apparent angular size of distant objects, as well as their apparent brightness. Telescopes work by employing one or more curved optical elements - lenses or mirrors - to gather light or other electromagnetic radiation and bring that light or radiation to a focus, where the image can be observed, photographed or studied. Optical telescopes are used for astronomy and in many non-astronomical instruments including theodolites, transits, spotting scopes, monocular, binoculars, camera lenses and spyglasses.

There are three main types:
  • The refracting telescope which uses solely an arrangement of lenses.
  • The reflecting telescope which uses solely an arrangement of mirrors.
  • The catadioptric telescope which uses a combination of mirrors and lenses

Radio telescope

Radio telescopes are directional radio antennae that often have a parabolic shape. The dishes are sometimes constructed of a conductive wire mesh whose openings are smaller than the wavelength being observed. Multi-element Radio telescopes are constructed from pairs or larger groups of these dishes to synthesize large "virtual" apertures that are similar in size to the separation between the telescopes: see aperture synthesis. As of 2005, the current record array size is many times the width of the Earth, utilizing space-based Very Long Baseline Interferometry (VLBI) telescopes such as the Japanese HALCA (Highly Advanced Laboratory for Communications and Astronomy) VSOP (VLBI Space Observatory Program) satellite. Aperture synthesis is now also being applied to optical telescopes using optical interferometers (arrays of optical telescopes) and Aperture Masking Interferometry at single reflecting telescopes.

Wireless technology

The term wireless technology is generally used for mobile IT equipment. It encompasses cellular telephones, personal digital assistants (PDA's), and wireless networking.

Other examples of wireless technology include GPS units, garage door openers and or garage doors, wireless computer mice and keyboards, satellite television and cordless telephones.