Cheap Life Insurance Quote Options

Nobody enjoys thinking about their own death, but then death is a definite eventuality for everyone.Irrespective of how secure your family’s financial situation is today, it makes sense not to underestimate the importance of having sufficient insurance for the lives of the earning members of your family.Death of a loved one is a very traumatic experience and it is really very unfair and thoughtless to add the anxieties of huge financial problems to that pain.Make sure that your family is well protected from a financial meltdown in the event of the death of an earning member by having sufficient life insurance cover.When it comes to life insurance, it is best to get it early. Don’t wait till the worry about mortgages and other financial burdens pile up. It is best to start the life insurance cover before the pressure of family life begins. If you have missed the bus, it is never too late to get the required insurance cover.Life is not cheap, but fortunately cheap life insurance is available. Picking the right insurance is however not so easy.There are many companies out there, each with many types of policies and options. Most people have a portfolio of different types of policies to obtain the right cover for their needs.The best way to get information that will help you decide about the insurance options that you have is to get cheap life insurance quotes online.You can then experiment with the type of policies and durations available and arrive at a blend that will give you sufficient cover while keeping the premiums manageable. Let us take a quick look at some of the more popular policies available.Term life insurance:This type of insurance covers the person for a fixed number of years. Many people prefer this kind of policy to obtain a large insurance cover during their working years. This makes sense because that is the time when a person’s death will have the maximum financial impact on their family.The insurance cover ends when the term ends or the person dies, whichever comes first. The following types of term insurance policies are available:1. Annual renewable term insurance:The policy is valid for one year from the date of purchase and can be renewed at your option till a particular age is attained. The premium usually increases with increasing age due to the increased risk of death.2. Renewable term insurance:The policy is initially for a certain number of years. At the end of the term, you have the option of renewing it for another term irrespective of your health situations at that time. Since this kind of policy has an increased element of risk for the company, their premiums are usually higher than the annual version.3. Level premium term insurance:In this type of policy the premium is constant for the duration of the policy.4. Decreasing term insurance:This kind of policy is designed to provide cover to pay for a specific liability like a mortgage or a long term loan in the event of the death of the insured person. The death benefits under the policy decrease each year as the liability decreases.5. Increasing term life insurance:This can either be a part of the policy conditions or could be a rider added to a policy. Basically it means that in the event of the death of the person during the policy term, in addition to the policy value, the premiums paid for the policy will also be returned.Whole life insurance:Whole life policies cover the insured person till the end of their lives. There is no fixed end date. Unlike term insurance policies, whole life policies have an investment component or cash value which accumulates over time. Premiums are constant and distributed over a number of years. Such policies usually have provisions for loans.Universal life insurance:This policy is a special type of whole life insurance, which gives some flexibility regarding the insurance cover and cash value components.As you can see there are a number of life insurance cover options, and with different companies having different type of products aimed at different needs, the choices can be astounding.It makes great sense to get cheap life insurance quotes online which will give you a better idea about the life insurance options available to you.

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Why Art Education Is Important

Do you have a budding artist in the family? Does your son or daughter love to draw or paint? Does he constantly pester you for coloring books or art materials? If so, encourage them to continue what he or she is doing. Those meaningless scribbles might be the start of a bright future. Your kid might not become another van Gogh or Salvador Dali but he or she will surely benefit from a good art education.Unknown to many, a strong art education is important, as it helps children develop skills that they need to be successful in life. Among the many benefits of art education are self-directed learning, improved school attendance and better creative skills. Recent studies have shown that the creativity and innovation used in the artistic process are highly valued by employers.Creative arts programs play a big role in shaping students’ self-image and increasing their skills in math, science, geography and language. Early exposure to visual art, music or drama is known to promote brain activity. It encourages learning and helps people understand other subjects easily. Art also promotes creativity and inventiveness and helps develop self-esteem, self-discipline and self-motivation.But that’s not all. Art activities help kids understand the human experience. It teaches them to respect other people’s’ ways of working and thinking, helps develop creative problem-solving skills, and enables them to communicate their thoughts and ideas in many ways. Unfortunately, the hard times have affected the way people see art. Often, art programs are the first to be sacrificed in implementing cost-cutting measures. Several schools have limited classroom space and art “studios” are mostly found in a cart that is transferred from room to room. This greatly limits the art education that students receive.How do we solve this problem? Start by encouraging kids to draw. All you need is a pencil and a piece of paper, yet this simple process provides the basis for other creative activities, such as painting and sculpture. Drawing is a direct link to reading, writing and math. This is the most accessible art form available that will go a long way in making your child a better person someday.

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Integrated Systems Vs Separate Systems

ReportEase of Implementation (Winner: Integrated)While separate solutions for accounting, customer relationship management (CRM), etc. are easier to implement one-by-one than a integrated system, one must consider the time it takes to implement the communication between these separate solutions.For example, a business owner signs up with SalesForce, a popular CRM, and then signs up for Freshbooks, a popular accounting software for small businesses. Signing up for both of these systems takes very little time and effort. (Of course, signing up for an integrated solution takes the same amount of time.)The business owner will also take about the same amount of time and effort to load data into the separate CRM and the accounting software as he or she will take loading the information into the integrated software. (Although, some time and effort is saved with the integrate systems, since accounts and contacts need only be loaded once, compared to twice with the separate systems.)But, when the business owner tries to connect information from the CRM to the accounting software, he or she is limited in option and must use a workaround. He or she could either a)install a third party integration software, increasing the chance of a system breakdown, b)hire someone to code a new integration method, increasing the cost and effort required to implement the whole system, or c) just deal with the separate system ad hoc, which ads complexity for the entire time the business owner continues to use separate systems.On the other hand, an integrated solution is just as easy to sign up for, easier to enter information in (since you are not entering information twice), and far easier to connect information, since the system is already designed with all the data connected.Therefore, considering the Ease of Implementation for the total business solution, an integrated system is easy to implement than disconnected solution.Ease of Use (Winner: Integrated)We have found that integrated systems are, in general, easier to use than a network of disconnected business systems.Every business system, integrated or not, has different levels of usability. It is not the scope of this report to compare all these systems. Rather, we’ve found that as a whole, integrated systems are easier to use because of their integration-a key requirement for business management systems.A business owner must be able to connect documents with customers, costs with service requests, and staff with projects, just to name a few. Using one system for project management and another for accounting and another for customer relationship management (CRM) compounds the difficulty of using the total business system for the user. The user is forced to integrate outside of the system. Once this step is taken, the integration is temporary and unusable by others. In other words, every time the integration must occur in a disconnected system, it must be integrated again by each user at that moment. The integration doesn’t last and it doesn’t transfer.An integrated system is built to connect all pieces of data together in meaningful integrations. The integration is part of the system, and the user is not given the task of making the integration, it is already done. This makes the system much easier to use for information retrieval and decision making.Therefore, considering the Ease of Use for the total business system, an integrated system is easier to use than disconnected systems.Low Total Cost of Ownership (Winner: Integrated)Even given the limited amount of data we were able to find on the costs of running disconnected system versus an integrated system, it’s clear that an integrated system gives the business owner a lower Total Cost of Ownership (TCO)Disconnected systems can run anywhere for $4/user/month to $300/user/month. Considering a business that must manage accounting, customer service, customer relationship management (CRM), support, projects, and documents, the lowest monthly cost came out to be $597/user/month (considering an office with 5-10 users).This high subscription cost for disconnected systems doesn’t consider the costs of integrating the systems to make a functional business system. Whether that integration cost is recognized by developing/paying for integration software, or paying staff for the time they spend integrating individually, the lack of integration between disparate systems raises the Total Cost of Ownership (TCO) significantly.An integrated system costs much less on average ($99 /user/month considering a 5-10 user office). Plus, with an integrated system, there is no integration cost, since the system is already built integrated.Therefore, considering the Total Cost of Ownership(TCO) for the total business system, an integrated system has a lower TCO than disconnected systems.Scalability (Winner: Integrated)An integrate system scales much more gracefully than disconnected systems since an integrated systems can scale up once where disconnected systems must scale up many times.Disconnected systems have their own abilities to scale as a business grows or shrinks. Some systems can reliably support 1-20 users, others 5-50, others 25-1,000. A business owner attempting to scale up a total business system, if he or she is using disconnected systems, would have to switch different systems at different levels of scaling. Every time a switch must occur, the costs and hassles of starting up and integrated a new systems reoccur.An integrated system, however, can scale all necessary features together, with no need to switch systems at any point. An integrated system that can handle 100 users in the accounting module will be able to handle 100 users in any other module.Therefore, considering the Scalability of the total business system, and integrated system is more scalable than disconnected systems.Ease of Updates (Winner: Integrated)An integrated system is easier to upgrade than disconnected systems since disconnected systems will need to be upgraded separately, and any integration between disconnected systems will most likely be destroyed with each upgrade. Each disconnected system will have its own team of developers processing the upgrades. Since each team is only concerned about upgrading its own system, upgrades will be released on schedules that don’t consider the needs of the total business system.Also, every time a disconnected system is upgraded, any third party integrations the user has implemented will likely need to be updated as well, doubling the time and effort it takes to update the total business system.Integrated systems, on the other hand, are updated by one team. Every update enhances the integration, rather than destroying it. An update to the project management module will cause benefits to trickle down to all modules connected to it. And the integration to the modules will not need to be updated separately by a different team.Therefore, considering the Ease of Updates, an integrated system is easier to upgrade than disconnected systems.In Total (Winner: Integrated)The integrated business system meets the needs of the business better than disconnected systems.The integrated system is easier to implement, easier to use, less expensive, more scalable, and easier to update.Business Vision is an integrated online Business Management solution. Business Vision handles Project Management, Support, Human Resource Management, Customer Relationship Management (CRM), and Accounting. All features are integrated for maximum efficiency.

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