Tuesday, November 24, 2009

Life Insurance as an Inventment?

There's a good deal of controversy about the value of insurance as an investment.Whole life policies,with their fixed premiums and cash value that grows over the course of the year (that can be collected when you decide to terminate the policy or borrowed against up to the current value of the policy),are considered by many to be an effected way to protect a family financially and invest wisely.Term insurance,on the other hand,is a much less expensive type of insurance,and achieves much the same purpose as whole life (of course,only during the "term" of its existence).But there is no cash surrender value or borrowing privilege.Since both current protection and a good future investment are necessary,the consumer must carefully weigh the advantages of life insurance before making a purchase.

How to Read a life Insurance Policy

All life insurance policies,regardless of type,can be divided into 3 parts:

1.Summary-This is the basic agreement of the insured,the face amount of the policy,the beneficiary's name,and premium amount, as well as the type of policy,any riders (additions to the policy you might have bought),and weather or not the cost of the insurance has been figured on a guaranteed basic or a participating basic.

2.Details-Approximately 10 clauses giving the specifics of the policy's operation,such as due date of premium,value of the policy when you surrender it for either cash or a loan,the amount paid at the time of your death,and options for how your beneficiary can receive that money are included.

3.Application-This is a two-fold section that gives personal information about you and lets you make some decisions about how the policy will work.Among typical items covered are what happens in the event of your suicide,whether you engage in dangerous sports or occupations,what tour rights are under the policy,etc.

As with any legal document,it is important to read and understand what you are purchasing.If you need further information,a good source is the America Council of Insurance,1850 K. St.N.W.,Washington,DC 20006.

Thursday, November 19, 2009

The Acropolis of Athens, Greece

In the City of Athens, Greece, stands a hill 160 meters high. The hill is the Acropolis. The word ''Acropolis''means ''upper city''.The ancient Greeks used hills as forts, because fighting uphill was hard for their enemies. Handsome temples were built on this hills to honor the gods and goddesses of the Greeks. Many cities in ancient Greece had an acropolis, but the most famous one is Athens.

Over 400 years before Christ, several magnificent marble temples were built on the Acropolis of Athens in Honor of the goddess Athena. The great gatehouse of the Acropolis, called the Propylaea,was the Athenians Favorite building.

The most famous temple is the Parthenon, design by Phidias, one of the most noted architects of all time. Most people think that the Parthenon is one of the most beautiful buildings ever built. But the statue was lost long ago.

Another temple, the Erechtheum, is known for its''Porch of the Maidens''. The six'' Maidens'' are pillars that are statues of woman. The pillars hold up the roof of the porch.
Many parts of the Acropolis temples were destroyed by time and war. But some of them have now rebuilt. People from all over the world go to see the Acropolis.

Saturday, November 14, 2009

My Disclosure Policy

This policy is valid from 14 November 2009

This blog is a personal blog written and edited by me.
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This blog does not contain any content which might present a conflict of interest.

Wednesday, November 11, 2009

Factors To Consider Creating An Appropriate Housing Design

There are factors to consider in creating an appropriate housing design. These should be carefully analyzed before renting or buying a house so that the most harmonious relationship between family members and their living environment is realized.

1. People and their lifestyle, mobility and tastes.
2. Psychological reactions, and
3. Location and orientation of the home, and resources available

Saturday, November 7, 2009

Meal Planning For The Family

Mealtimes are not only occasions to get the essential nutrients the body needs. It is also an opportunity for families to enjoy each other's company. Today, family members seldom get as much chance to be with each other as they used to. This setup is bought about by the fact that family members have to go to work or attend school during the day such that the evening meal becomes one of the rare times for them to be together. Conversing, sharing one's experiences or events that took place in their own places of work or in school over a well-prepared nutritious meal is an important event that should be shared by the family members. It is therefore necessary to plan meals that are nutritionally adequate and enticingly prepared and served.

Tuesday, November 3, 2009

Furniture Arrangement

When you decide on a furniture arrangement, always keep in mind your activities and the space available for these furniture. A well furnished room gives a feeling of balance. This can be achieved successfully by alternating sizes. A tall furniture when grouped with a low furniture gives a more pleasing effect than when all tall or all low furniture are grouped together.

IF all furniture are low, choose one furniture and make it appear tall by putting a tall vase of flowers, a picture frame, or a mirror on top. Distribute large items around the room. Avoid concentrating them in one area. There should be balance between the amount of space occupied by the furniture and the space for movement. See to it that the room is well lighted by distributing the lamps (if there is more than one) around the room instead of concentrating them in one area. It is also important to consider the architecture of the room especially when deciding which part will be used as the focal point. A group of furniture, a work of art, a doorway or window may be used as focal point or center of interest.

Large cabinets, chests or drawers should be placed against the walls of the room. This is the reason why there are unfinished at the back. Group furniture for different activities - a sofa and a chair for conversation; a sofa, a snack table, and a TV set for watching television; a desk, a computer, a lamp, a bookshelf for reading and studying etc.

In furniture arrangement, always provide enough space for movement. The room look crowded and cluttered if furniture are arranged very closed together without consideration for easy movement.

In a bedroom, place the bed in such a way that it will receive enough sunlight and air for sanitation purposes. Keep traffic lanes open. Place the head of the bed against the wall or at the center of the room.

Sunday, November 1, 2009

Values, Attitudes and Interests

Values, attitudes and interests affect as you grow and change and make choices for your future. Your individuality is reflected on the values you esteem, the attitudes you express, and the things that intrigue you.

Values are learned from one's culture, environment, family, friends and individual experiences. The church, print media and television also play an important role in the formation of individual groups or familial value patterns. Some values are seen held high by a culture. Take the Filipino family as an example. It gives so much importance to education as a liberating factor from poverty.