Consumer Alert! – Three Types of Life Insurance You Probably Don’t Need

American Consumers face a bewildering set of financial options in their lifetime. Investment, Legal, and Risk Management considerations continue to multiply decade after decade. However many of the options available are not great choices. In the world of life insurance, there are three products that stand out for being not appropriate for most Families. Although each of these policies could help in certain limited situations, they are all generally overpriced, narrowly useful, and occasionally miss-sold by insurance agents.

Mortgage Life Insurance:

Mortgage life pays off your house in case you die. Why a consumer needs an insurance policy that only pays down the mortgage is unknown to me. In Comparison a simple term life which can be taken out in an amount to cover a mortgage, Mortgage Life tends to be extremely overpriced, sometimes fabulously overpriced. Besides by their very definition Mortgage Life benefits generally shrink as you pay your mortgage off overtime.

In comparison a level term insurance policy taken out with enough death benefit to cover the entire mortgage will be paid out to the survivors as you see fit. They then can decide how best to use the money. There are certain situations when mortgage life insurance can be a good idea, such as when the primary breadwinner is uninsurable. Otherwise -for everyone else – consider Term.

Children’s Life Insurance:

The point of life insurance is to provide an emergency financial sum in the case of an untimely death. Life Ins. dollars should be used to replace lost income. Children, in general, do not have an income; therefore there is no financial reason to carry a life insurance policy on your child.

The smarter option is to either use the cost of a children’s life policy to supplement one of the parent’s term life policies or to stash the money into a college savings plan – such as a 529.

Often Children’s life policies are sold with the idea that it guarantees the child insurance once the child reaches the age of maturity. The problem with this idea is that kiddie life insurance policies (as they are often known as) are not written in amounts that will be very useful once they reach adulthood.

Skip the kiddie life policies and wisely use your cash elsewhere.

Cash Value Life Insurance:

Cash value insurance goes by various names: Whole, Universal, and Variable Life. There are multiple other derivatives of these names. Although the lure of them can be high, cash value life insurance policies rarely are worth the additional money needed to acquire them.

Variable life, which contains a stock market component, can only be sold by registered advisors. Whole and Universal, which can do not require advisors are pitched by insurance agents around the country as an Investment mixed with Insurance. The major issue is that the mixing of these two components leads to a confusing, complex, and overpriced product that is almost impossible to shop around. Add on the high fees and confusing legal language and is it any wonder why Suze Orman, Dave Ramsey, and Clark Howard all generally agree, that Cash Value Insurance plans are a poor option for most Americans.

The smarter alternative is to shop around for a highly rated term life policy that fits the needs of both you and your family. Both spouses, working or not, probably could use some form of inexpensive term insurance.

By avoiding just these three life insurance products your family could save tens of thousands of dollars per year.

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Getting a Guy to Invest in You – What You Need to Do, and What You Need to Avoid

So you’ve got a guy, but how do you go about getting a guy to invest in you? What do you need to do to convince him that this relationship needs to be taken seriously? Will it take a miracle, a magic spell or some sort of legally binding contract? If you seem to be the only one putting anything into your relationship, then the following tips are for you. They’ll show you exactly what getting a guy to invest in you involves.

1. Back Off

It seems like a contradiction in terms, but getting a guy to invest in you is actually about making yourself less available to him. When you think about it, however, it only seems like a contradiction in terms. After all, you don’t need to invest in something that you’ve already got, do you? If your man knows that he’s got you and that he can take you more or less for granted, why should he put any work in?

On the other hand, if you can convey the impression that he can’t take you for granted and that you might not be around if you don’t get the treatment you deserve, he has to put some work in to keep you. Back off a little, don’t return his phone calls once in a while, and spend some time with your friends and family by yourself. This is especially effective at the beginning of a relationship.

2. Be Clear About What You Mean

When you say that you want your man to invest in you, what do you actually mean? This is important, because your man may very well think he’s investing in you and the relationship, just by being there. If you would like more commitment, security and time together, you need to say so.

Phrase it in this way – “When you do X it makes me feel Y, so I’d really like it if we could Z.” For example, “When you take the time to drive me to the mall to go shopping, it makes me feel really special, as I know it’s not something you enjoy. I’d really like it if we could do that together more often, and perhaps we can find a way to make it more enjoyable for you.”

Putting it that way makes it more of a mutual benefit and less of a demand.

3. Become A Golden Investment Opportunity

Your man will invest in you if you’re something worth investing in. That means investing in yourself first of all. If you’re an independent, fascinating individual, who leads a rich, full life with her own friends and interests, he’s bound to want to invest more time and commitment in the relationship, because you’re a serious catch.

Getting a guy to invest in you means being honest and being the sort of woman who makes him feel good when she’s around – and we all want to invest in things that make us feel good.

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What is PP in Digital Photography?

Of course, we would like to say, that this is PP Group – a leading team in the photography branch, because this is our name! Because we are PP Group. But PP in the Digital Photography means something else.

Our research shows, that most of the people use this abbreviation – PP in digital photography conversations to say the word “Photoshop” shortly. It comes out from the first and the last letters in the word – P. Normally the Photoshop software is in use from the Professional Photography, because it offers a lot of abilities for picture optimization and getting higher images quality.

Another use for PP with the photography stuff is when people are trying to say “Post-Processing” shortly. In this case people are talking about the Post-Processing in Digital Photography or for short: “PP in Digital Photography”.

You can see the PP abbreviation, when it says “Photographic process”. It means the processing, developing photographs. As we understand there is even a book, called this way – “Photographic Processes”, which describes the PP – color-negative / color-reversal processing, shooting and developing photographs. Color and B&W (Black and White) film and print processing, as well.

And talking about print processing we remembered that there is another PP meaning, which is used in digital photography conversations. That’s right! This is the Photo Printer’s stuff or the Photo Paper’s stuff. There are even some printers’ models that are called “(something) PP”. One of them is a Canon’s model. Or photo paper, called “high gloss photo paper PP 101D” or something similar.

May be you will hate us, but we feel the need to share with you, that there is another PP abbreviation and it’s for Pocket Pouch. Believe us – we think that this is not normal too, but it is a fact. The pocket pouches for your digital cameras can be offered in some sites or pamphlets like PP for digital cameras.

Believing or not, but you may see PP like “pages” meaning in Photography as well. There are lots of lessons, courses, lectures and articles that are written on different places – mostly in the internet and they are quotations from some photography books. When it is attended by numbers it is too possible PP to be a page number. Mostly it looks like this way: pp 136-278, and means, as you know – pages 136 to 278.

Well, it is not so difficult to understand what is PP in the Digital Photography now, when you know the rest of the text. You can assess which meaning will be helpful for you and to understand the main text idea.

It is too possible to see another PP meaning as well; another not described here, because people like to use abbreviations. But, don’t forget that in general currency PP means “Photoshop”, when the conversation is for the Photography.

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Health Foods – That May Not Be So Healthy

When it pertains to weight loss, a one-size-fit-all diet plan does not have great results. This is far more important considering that although some could be fine and also wholesome, they can on the other hand be detrimental for several individuals.

However, you will find lots of individuals who assume that since a food item is considered “healthy” and “good” suggests that they are totally free to eat just as much of it as they would like while not having any sort of consequence.

The argument regarding which food is good or not will possibly remain a never-ending one. There seem to be lots of divisive beliefs cropping up now and again. Having said that, there are particular things which just about everyone accept are not ideal whenever you might be looking to reduce weight as well as live a healthy life.

Exactly how bad any particular food item may be thought to be is actually debatable considering that any food item could be eaten in moderation without it having any kind of negative effect upon the individual.

It’s thus essential to take into account the overall quality as well as effects of some of the foodstuffs that you are eating just as much as you like right now while you may be reasoning that they would have zero influence upon your weight loss endeavors.

It is quite astonishing to notice many individuals eat so much highly processed foods thinking that they are truly nutritious for them.

Below are a number of common foods men and women are eating trusting that they’re eating wholesome foods.

Salad Dressings

Whereas the salad by itself is known as a way of consuming a healthy and balanced food, the dressing applied can nevertheless make it totally “harmful.” Plenty of the regular salad dressings contain a whole lot of sugar and used primarily vegetable oils including canola or soy oil. These kinds of toppings easily help to make the salad as harmful as the other foods the individual could be avoiding.

You could as an alternative dress your salads by using olive or vinegar oil. You could also look for a number of the far healthier salad dressings that don’t have added preservatives, vegetable oils and sweeteners.

Conventional Soy

All soy contains high quantities of phytoestrogens which many experts dispute to be either wholesome or unhealthy. At the same time, most conventional soy is mostly genetically improved and therefore raises a whole lot of wellness and safety questions. Try and keep soy intake to a minimum and also opt for the organic and whole food variants.

Yogurt

The majority of classic yogurts tend to be filled with lots of artificial sweeteners and/or sugar. The homemade yogurt or the ones that you are able to get from fresh milk from a local ranch are often very nourishing. Make use of Greek yogurt or get a very good high-quality organic plain yogurt then include your own preferred toppings.

Whole Wheat Bread

Thinking about it, wheat isn’t truly that much of a wholesome meal. So, including the “whole” to it isn’t going to essentially make it any better. Many of these kinds of food items include added quantities of sugar, oils, and also other unnatural ingredients. However, you can minimize the amount of the gluten or wheat which you consume in your diet.

Diet Drinks

This is yet another hugely controversial topic seeing that a number of people claim that the synthetic sweeteners they possess are usually worse compared to sugar. Then again, there are some data that are suggesting that they do have an indirect impact on weight addition. Drinking them in moderation is okay but remember that they will be replacing several much better beverage options including coffee, tea, or even pure water. Therefore think twice.

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The Family – The People of the Astrological Houses

The most important thing that we do in our experience is to relate with one another. To not be able to relate successfully makes life very difficult for many. I have done thousands and thousands of sky maps for thousands of people over my long years of being a professional astrologer. Probably the single thing that was most important to the person being read was relationships of all varieties. At the end of life, relationships or the lack of them were what was valued most, regretted most and controlled the end of life circumstance the most. At the core of relationship issues are the initial and primary relationships we form with our early family. Here is where our values are established and developed to become the basis for the relationships we build for ourselves in our future. As we mature, we form our own individual family circles plus a myriad of other relationships into which we enter. Family is where we begin our journey to understand and develop all relationships.

In previous articles I have written about the parental axis, the 4th/10th houses of any sky map, as well as the individual maternal and paternal roles. However, the family is not just our parents or lack of them. Each of us has a long, rich history within our family, good guys and bad guys. There is a genetic heritage. Yes we can see the physical characteristics that are handed down through the gene pool. But there is far more than what we inherit from our families on other levels. I am exploring this family astrological heritage step by step through a series of articles.

Any sky map is constructed with the earth (on which we all exist) in the center and the cosmic energy pattern existing around that central core. If we were on the Moon, sky maps would be constructed with the Moon in the center. On Mars, Mars would be in the center, etc. The wheel shape is called “the chart” and the divisions are called “houses.” There are 12 divisions of the houses just as there are 12 sign divisions for the zodiac. The signs show mannerisms, expressions and are descriptive in nature. The houses illustrate 12 compartments or arenas of physical experience. Each of those twelve houses therefore must contain numerous issues and also the people in your life. The whole of the wheel maps the whole of your life, every single thing. The trick is to learn to read that sky map successfully, which can be more involved than it seems. Our focus for this article will be on the people represented by the houses, particularly the members of your family.

Houses General house information will help us reach the point where we can see the validity of the people representations. Remember that the 12 houses begin with the ascendant and are listed counter-clockwise from that point around the wheel. Psychologist Carl Jung divided human expression into four categories: intuition, emotion, sensation, and thought. In brief:

· The left half of the wheel (rising planets) represents the development or the interests of self.

· The right half of the wheel (setting planets) represents involvement with others or the interests of others.

· The bottom half of the wheel represents the time from dusk to dawn, the introspective, internalized, reflective self.

· The top half of the wheel represents the time from dawn to dusk, the externalized, participatory, extroverted self.

· The four angles of the house wheel represent the point of beginning for each of the four quadrants of the chart.

· The general activity of all four chart quadrants are in this order from the Yung perspective: intuition, emotion, sensation, thought.

· The ascendant is the angle that begins the personal, subjective first three houses of intuition (1, 2, 3).

· The IC or 4th cusp is the angle that begins the subjective, other involved next three houses of emotion (4, 5, 6).

· The descendant is the angle that begins the external, other involved three houses of sensation (7, 8,9).

· The midheaven is the angle that begins the external, self-interest three houses of thought (10, 11, 12).

These few sentences describe the hemisphere and quadrature influence of houses. In addition,

· The angular house for each quadrant is dynamic active, visible, directly related to the individual.

· The succeedent house follows the angular house in each quadrant (succeeds the angle) and represents establishing, building, formalization of that quadrant’s issues.

· The cadent house follows the succeedent house and represents adaptation and promotion.

· In brief, the angular house activates, the succeedent house formalizes, the cadent house promotes the issues of a quadrant.

· The round of the three types of houses begins again at the next angle.

There is one more explanation of the cadent house that will help you understand its role better. Adaptation is the key word here because the dynamic influence of the angle is followed by the establishment influence of the succeedent house, which is a logical sequence for experience. However, it would be difficult to move from building brick by brick (establishment) to the dynamic activity of an angle because form would tend to resist the initiation of something new. The cadent houses bridge this gap between the establishing principal of one grouping of three houses (quadrature). and the dynamic principal at the beginning of the next grouping of three houses (quadrature). Using this rationale:

· The 3rd house bridges (adapts) the subjective self-aware first quadrant as it encounters the subjective awareness of others or emotional quadrant initiated by the 4th house. Intuition gives way to emotion.

· The 6th house bridges (adapts) the subjective awareness of others quadrant as it encounters the objective awareness of others or sensation quadrant initiated by the 7th house. Emotion gives way to sensation.

· The 9th house bridges (adapts) the objective awareness of others quadrant as it encounters the objective awareness of self or thought quadrant initiated by the 10th house. Sensation gives way to thought.

· The 12th house bridges (adapts) the objective awareness of self quadrant as it encounters the subjective awareness of self or intuition quadrant initiated by the 1st house. Thought gives way to intuition.

· The cadent houses are therefore key to understanding the point of flux, adaptation, bridging within the chart and are definitely more important than surface reading would indicate.

If you will add this information on the houses with what you already know about the houses, this material should add a layer to your understanding. Read slowly and re-read as necessary.

People of the Houses Who are the people represented by the houses? Everyone in your life is in that wheel somewhere. We will begin with the four angles and the technique we will use is the derivative house system or what I call “wheeling the houses.”

Self Many are aware that the cusp of the first house is called the ascendant and represents the physical presence of the person or entity represented by that sky map. Much of the descriptive reading about a person comes from that cusp and that house as well as that person’s personal projection, response to its environment and coping skills. This is how the world sees us, through the filter of the sign on the ascendant and the planets in the first house. In brief, the first house and its cusp represents the most personal point of the physical self, the “me” point of the wheel.

Partner Diametrically opposed to the ascendant is the descendant or 7th house. This is the point of the chart that is farthest from the point of self and may be described as the not self or the shadow self. This point represents the qualities we do not want to embrace and that we project onto another (partner). It is interesting that this represents the point of committed or contractual partnerships whether those relationships are personal (such as marriage) or business (such as partnership). Our committed partner is supposed to represent all the things we do not choose to express. What action do we do at this cusp? We commit to a person, walk into a house, lock the door behind us and attempt collectively to turn the house into a home. The way to a successful conclusion is to learn from that partner and embrace our own lesson. That way we can be with a person because we choose to, not because we must go to school with them as teacher.

Parents The 4th/10th axis (cusps) represents our parents (or lack of them), the parental roles themselves. I want to back up for a moment and mention that this pair of houses is called the security axis and represents our internal and our external security needs. Our parents are supposed to fulfill that role or to at least prepare us for that role. There is a great deal of controversy as to which parent belongs in which of the two houses. I did cover that concept in three previous articles so I will not repeat that information here. Briefly, the 4th house parent’s job is to offer internal, subjective security, also known as the family. The 10th house parent’s job is to offer or prepare us for external, objective security, also known as making our way in the world successfully. Some people get lucky and the parents fulfill their roles well. Some people are not so lucky because dysfunction exists which can cause the individual lifelong problems. Not every parent is equipped for the role they have chosen. Some people take the lemons they received from their particular spin of the parental wheel and they make lemonade. I encourage that.

So far we have ourselves (ascendant), our partner (descendant), our parents (both, either, or). What about all the other people that comprise our families? Where can they be found in the wheel?

Grandparents The parents have been shown to be the 4th (and its axis partner 10th) from the 1st house of self. Where are the parents of your parents? They must be located in the 4th house from your parent cusp. You always count starting with the house you are questioning, such as the 4th house parent. Put your finger on that house counting “one” then count forward (counter-clockwise) one house at a time until you reach the 4th house of that 4th parent. That would be the 7th house. The same action would be taken for the 10th house parent but it is unnecessary to repeat the exercise, just look to the axis partner of the 7th or the 1st (you). So your grandparents (you have four) are found on the ascendant/ descendant axis. There are only two houses in this count, so two grandparents belong in one house and two belong in the other. It will take a little work on your part to sort this out, but this is where you go to find the answers.

You will probably have genetic hand-me-downs from your grandparents. Two will have great similarities to you, those who are represented by the 1st house and ascendant. Two will seem less related as they occupy your 7th house of not-self. That probably is part of the generation gap. Physical and non-physical characteristics from those grandparents will evidence in you just as you will pass on certain characteristics to your grandchildren. My deceased father’s contribution to my kids and my grandkids is a specific sense of humor. My mother’s love for dancing and music has shown up as well in my kids and my grandkids as has my paternal grandmother’s beautiful singing voice. My parents and their parents are alive and well in the genetic contribution they gave us all within our family. Thank you for the gifts.

Partner’s parents and grandparents What if you marry? The 7th house will describe your partner and your marriage. It should tell you what and who you are looking for, what you want someone else to do in place of you, and what you are not comfortable with within yourself. At times you are grateful. At other times you will fight the process (and the person). That partner has parents and so those parents will be the 4th from the 7th (and its partner) and we are again back to the 4th/10th axis in the chart. Hmmm. So far we are getting a large number of people in very few houses. Perhaps that will help explain why astrologers concentrate on the angular houses. Hang in there, we will move outside the 4th/10th axis shortly. Your spouse has grandparents (4) as well and they will be shown by the 4th of the parent or the ascendant/descendent axis. Getting crowded isn’t it? Again, this can take some effort but this is where you begin.

Multiple Partnerships All committed relationships are a 7th house issue. It illustrates what you are seeking in a partner because you are avoiding it as yourself. What if you have more than one marriage or partnership? To differentiate, skip the 8th house and go to the 9th house. 7th/9th illustrate your second committed relationship. Skip the 10th and go to the 11th. The 7th/11th is your third committed relationship. More? Busy little beaver aren’t you? Do the same routine: skip/choose. Just skip a house, go to the next one and join it to 7th. This combination should describe each individual person it represents.

Children of all varieties Children are thought to be a 5th house issue. These would be natural children of the body (kids) or the mind (creativity). The oldest child is also described by the 5th. The second child would be the 7th along with the 5th. This 7th house child would be most like your spouse. The third child would be the 9th along with the 5th, and so forth around the chart. If you were to have 5 children, the 5th child would be most like you because that child would be represented by the 5th and the 1st houses. Children of your spouse, adopted children, fostering of children are each represented by your 11th house. Same procedure, maintain the base house but do the skip/choose procedure for each individual. Spouses of your children would be shown by the 7th (partner) of the 5th and additional house influence (child).

One last “child” that may be found in the 5th house could be small pets. Large animals such as horses or elephants are read from the 12th house. We all know people who treat their pets as a child with wraps or costumes, who may eat from your plate, considered a member of the family, be the recipient of lots of baby talk, etc. I am not talking about the ordinary affectionate position of a pet within a family. There should be plenty of emotion and caring for any pet. As you know, some pet owners go beyond even that. With some you may find the 5th house is active or gives a better description of their pet, particularly if there are no natural children or are there are children but they are not available to the person. The pet becomes their child.

Grandchildren A child of your child, your grandchild, is the 5th house from the 5th house or the 9th house for all grandchildren and particularly the first one. Again the skip/choose procedure applies for each additional grandchild The child of your spouse belongs with the 5th from the 7th or the 11th house as its base and skip/choose applies here as well.

Siblings and Partners Do you have siblings? They are a 3rd house issue, all of them. However, we must differentiate for individuality. All siblings and particularly the oldest one are 3rd house. The next in age is the 3rd and the 5th in combination. The next in age is the 3rd and the 7th in combination. Each succeeding sibling would maintain the 3rd and add the next 2nd house skip/choose jump (skip the 8th and go to the 9th). This is how you would look at siblings in general and specific siblings in particular. The partners of your siblings are shown by the house opposite the one chosen for that sibling.

Siblings of Spouse and Their Partners If you were seeking information on the siblings of your spouse, look to the 3rd of the 7th, which is the 9th. This is often referred to as the general in-law house as well. Again the 9th would be all siblings of your spouse particularly the oldest one. Do the same skip count as your own direct siblings, the second oldest sibling of your spouse would be the 9th/11th, and so forth. The partners of your partner’s siblings are showy by the house opposite the one chosen for the siblings of the spouse.

Cousins, Aunts and Uncles of all varieties Cousins fall into the same house arrangement as your siblings (3rd). A spouse’s cousins fall into the same house arrangement as their siblings (9th). Your own aunts and uncles have their basis in the 6th house, same counting arrangement. Your spouse’s aunts and uncles have their basis in the 12th house, same counting arrangement.

In Brief We have looked at the generalities of the houses to establish a reasonable base for understanding our relationships with others, specifically those we consider our family. We then moved on to the relationships we form and how to find them in the wheel. You must start with yourself because you will always be one end of any relationship possibility in your own life. The other end will be one of a number of relatives. In brief:

· siblings and cousins = 3rd house

· parents = 4th/10th houses

· grandparents = 1st/7th houses.

· natural children = 5th house

· foster or adopted children = 11th house

· spouses of your natural children = 11th house

· aunts and uncles = 6th house

· spouse or partner = 7th house

· spouse’s children = 11th house

· grandchildren and in-laws in general = 9th house

· multiples of births or marriage are delineated by the skip/choose house count

. Obviously you will have more and different kinds of relationships as we have explored only the family in this article. Please re-read this article as many times as necessary to clarify. This technique is not the easiest task to do and it will take you a little time to learn. For additional assistance look to articles or information on derivative house systems.

Recommended reading: the three previous articles in this series

  • Where do You Find Mom and Dad in a Chart? The Parental Axis
  • Parents – Who and Where is Mom in a Chart? – The Maternal Issues
  • Parents – Who and Where is Dad in a Chart?
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Xiaomi Wowstick 1fs, Any Geek Like You Deserves It

For geeks, an excellent screwdriver is of the essence. However, at the moment, mobile phones and laptops come with too many screws. Thus, it’s difficult to manually screw down all of them one by one. If there is an automatic screwdriver, everything would be nice. Yes, with this Xiaomi electric screwdriver, Wowstick 1fs, all these previous manual screwdrivers can be thrown away. And now, let’s check this novelty in detail.

Packaging

Wowstick-1fs is packaged with a rectangular cardboard. And the product box looks like an ordinary glasses case. At the bottom of the box, there is the manufacturer’s information. Lying on the inside, there are 18 types of screwdriver bits and the electric screwdriver.

Product Features

Wowstick 1fs comes with a slim S2 aluminum alloy housing body with pen shape design, which makes it easy to use. And the ultra-precision flexible circuit design ensures a long lifetime. The USB port charging design provides the ample power timely. And the LED shadowless lighting with independent switch design offers clear vision when you using.

Equipped with the magnetic board, Wowstick 1fs holds the screws taking off from the repairing items, with no screws lost. At the same time, the automatic operation design ensures high working efficiency. This device supports multi-functions, including screwing, drilling, and threading, and meets your different working demands in daily repairing.

Built-in 2 batteries, it’s officially said that the battery can last for 8-24 hours. Generally speaking, you can replace the battery every three days. But I suggest that you can try to use rechargeable batteries for saving money and more eco-friendly.

Comparison with Wowstick 1f

Compared to its predecessor, Wowstick 1f, 1fs is upgraded to the whole aluminum body and increased by the shadowless LED light source. As for the annex part, all batches are made of imported S2 alloy steel. And the product box is also improved. The surface of the box can be cleaned and the internal magnet structure is reinforced. What’s more, the platen cover on the inside lining is incorporate.

Summary

In general, Wowstick 1fs is a very good screwdriver. Compared with most manumotive screwdriver currently on the market, it performs better in doing work. With a weight of 166g, it is not heavy and feels good when being held. The operation is also very convenient and easy. If you’re a geek or computer maintenance personnel, you deserve this Xiaomi Wowstick 1fs. And I trust it would be a good helper in your daily life.

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7 Instagram Story Ideas To Build Your Following

Keeping your Instagram busy is a good way to build your following. An active account is more interesting than an inactive one. Plus, using Instagram to share all types of content with your audience in many forms is going to be much more interesting to them than if you shared only one type.

Let’s look at some ideas that you can incorporate into your stories to build your following.

1. Show a Day in the Life

A great use of Instagram stories is to take a day and show up a few different times of the day to share what you’re doing as it relates to your audience and your business. For example, if you’re a business coach, you might want to share how you run your own business and team with others.

2. Go Live

Take some time to go live each day even to share just one exciting tidbit of news. When you go live randomly, your audience will get notified if they signed up to be notified. They’ll pay more attention to you and will even be sad if they miss it live, but they’ll also watch the recording if you leave one.

3. Provide a Sneak Peek

Creating a new product or service? Provide a sneak peek about it. Trying out a new software you want to recommend? Do a story about it. The more reasons you can find to show up in stories, the better for your quest to find more followers.

4. Conduct a Poll

Instagram allows you to conduct polls, which is a good way to find out what your audience is thinking. Keep polls short and sweet to avoid any confusion, since these polls aren’t very scientific. If you want accurate results, consider keeping choices limited.

5. Trade Instagram Stories for a Day

If you have a colleague that serves a similar or same audience as you do, you can trade Instagrams for a day. You run their stories, and they run yours. This is a wonderful way to get cross-promotion and more followers.

6. Count Down to Launch

If you have a launch or an event coming up, use Instagram stories to do a countdown for the launch. This is a fun way to get everyone excited about your new offer.

7. Use Stickers and Special Effects

Instagram has ways for you to grab your audience’s attention; use them. Add special effects, use stickers, add great hashtags. Call out the right people. Make yourself known so that you can grab those followers who like you.

When you do share a story, always remember to include a call to action. Your audience will not act (or only very rarely) if you don’t tell them what to do. Each time you make any content, you should know what you want the results to be after your audience views it.

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Understanding Pruvit: Can You Really Make Money With Pruvit?

Pruvit was first registered in 2013 and offers a product line designed to help your body reach ketosis, giving you the ability to lose up to one pound per day, raise your IQ, and increase your energy. In addition to offering a product in which help your body enter ketosis, Pruvit also offers a business or income opportunity giving you the ability to make money from home marketing their product and company. First, what is ketosis exactly? Simply put, Ketosis is a condition your body is able to enter allowing you to burn fat rapidly and increases your metabolism. However, can you really make money marketing Pruvit’s company or their product?

The Thing: Most companies similar to Pruvit have a wide variety of products and many of them. However, Pruvit has only one product. They have based their entire company around this product and have scientifically worked to design this product to work to the best of its abilities.

  1. KETO//OS (Ketone Operating System) – This product is the sole of Pruvit’s product line. It’s essentially a drink mix with ketone energy technology designed to provide the body with macro nutrients giving your body the ability for cellular regeneration and stability along with enhancing the body of energy and focus and most importantly, burning fat and increasing your metabolism. You are able to get 15 servings of this drink mix for $85.00, being the minimum amount and price, and 75 servings for $350.00. You simply have to dissolve a pack of this product into cold water and shake it up insanely!

This product is supposed to do a good amount of things, here’s a few:

  • Provide rapid fat loss
  • Allow your body to passively gain strength
  • Allow your body better digestion
  • Increase your focus and energy
  • Allow you to enjoy better sleep
  • Provide your body with clearer, more healthy skin
  • Put you into a better mood overall
  • Increase brain activity

The Opportunity: In order to understand if people are able to actually make money from marketing Pruvit’s company or products, we have to take a look at their Compensation Plan. A compensation plan is simply how companies pay their members; every company in the entire world has one! Some pay minimum wage, others pay salary, and companies similar to Pruvit do it much differently.

There are around 5 different types of payouts that Pruvit offers in addition to 14 sub-payouts in each major type, such as Kick-Off Rewards(First 30 Days), Leadership Rewards, GamePlay Rewards, Partner Rewards, and Residual Rewards, we will examine only a few of the sub-payouts. I am going to try to keep this simple while still providing the information needed to know.

  1. Go Pro Bonus (Kick-Off Rewards) – Within your first 30 Days of being involved with Pruvit’s business or income opportunity you can receive a payout depending on your Personal Team Volume as well as your Team Volume. The higher those are, the more you get paid.
  2. Go Fast Bonus (GamePlay Rewards) – This payout is weekly, however, the promoter or distributor can apply for daily payouts as well provided they are experiencing great success. The Go Fast Bonus pays the enrolling or selling promoter for the first order place by other promoters of distributors that they have Personally enrolled.
  3. Dream Team Bonus (Leadership Rewards) – For members that have reached Rank 8, they have the ability to earn this annual bonus from other promoters/distributors’ that they have personally enrolled in which contribute to Team Volume. To keep it simple, if a promoter enrolls someone personally, and that someone contributes to Team Volume by purchasing product, the enrolling promoter gets a yearly payout. Keep in mind, in order to achieve this type of payout, you must reach rank 8. By the time you reach Rank 8, you will have much more than just one promoter in which you have personally enrolled, therefore, the payout could be quite enormous.

To Conclude, Yes, you Can make money by marketing the company Pruvit or their product.

The Cost: If you would like to get involved or affiliated with Pruvit’s business or income opportunity, you have to understand how much money that is going to take. Understand that this is a way for you to create a business all from home. If you were to create a Construction Company, you would need to pay a certain amount to get started. With that being said, don’t be discouraged to not join the company with that one reason alone. Opening a business requires money!

VIP Launch – In order to get affiliated with Pruvit and begin making money from home by marketing their company or products, you must purchase their VIP Launch Package for $350.00. If you become a VIP member of the company you will be able to get discounts on their product. For 15 Servings you will only pay $76.00 rather than the previous $85.00 and for the 75 Servings product you will only pay $133.00 rather than $350.00.

My Conclusion: Pruvit offers a product designed to strike your body into ketosis rather rapidly to increase your metabolism and burn fat. The product is unique but kind of pricey. They offer a business/income opportunity for those that would like to market their products or company. This opportunity has several different types of payouts and yes, you definitely Can make money from being successful by referring members into the business or by marketing their products and generating sales. The cost is pretty cheap, which makes sense. Most companies with a Start-Up cost are either cheap or expensive depending on how lucrative their compensation plan is. The compensation plan that Pruvit offers is nice but is going to require a good amount of work in order to start receiving huge payouts.

*Dustin Hale is NOT affiliated with Pruvit or their business/income opportunity

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The Critical Illness Insurance Market

In my previous article: Five Steps to Critical Illness Sales Success the first step was to identify your target market. With your target identified you can begin to list the various objectives that can be achieved with the use of a critical illness insurance policy. Some potential markets are:

  •  Self employed individuals
  •  The family market / Single parents
  •  The group insurance marketplace
  •  High income earners

While there may be some overlap in ultimate objectives the reasoning behind the objectives will differ. It is impossible to launch an effective marketing campaign without understanding your target market’s goals. And without a specified target market it is impossible to fill your calendar with high quality prospects.

The Self Employed

Perhaps no other target market needs Critical Illness Insurance more than the self-employed individual. Unlike an employee of a larger company this individual has no employee benefits other than what he purchases for himself. The objectives of this market segment may include: income replacement, money to hire a temporary replacement employee, money to pay routine business expenses, major medical gap coverage and freedom from managed care restraints. It is important to recognize that the self-employed individual most likely does not have disability income protection whether income protection or overhead expense. The Critical Illness Policy is a viable and less expensive alternative to disability income.

The Group Insurance Market

This marketplace offers numerous Critical Illness Insurance applications. Depending on the group size that you target some of the objectives might be: expansion of voluntary benefits, medical gap plan, executive benefits and expansion of employer-paid benefits. This market is more complicated than other markets because you may have to understand the objectives not only of the employer but that of the employees as well. While the employer must approve Critical Illness Insurance as a voluntary benefit, the producer will still need to understand the objectives of the employees to have a successful enrollment. To open a discussion of Critical Illness Insurance as an executive benefit it is important to understand the value to the executive. The employer market may have numerous challenges but it can be one of the most profitable.

High Income Earners

This category includes doctors, lawyers, consultants and other professionals with incomes above $250,000 annually. These individuals tend to have disability income protection but are limited in the percentage of their income that can be protected. Critical Illness Insurance can ensure that they do not have to deplete their savings and investments in the event that they are disabled by a covered illness. Individuals in this category tend to be less concerned with the potential out-of-pocket expenses that may be incurred then they are about protecting their financial future.

The Family Market / Single Parents

The need for Critical Illness Insurance here should be obvious. For working Americans, whether in a traditional family or as a Single Parent the need for cash when a family member is diagnosed with a critical illness cannot be overstated. The income replacement needs are far in excess of what disability income can protect. Parents want to be with their children should there be diagnosis of cancer, spouses want to be with each other when a critical illness strikes and everyone wants the freedom to seek out-of-network treatment when it is their best interest. Regardless of whether it is a $10,000 policy or a $100,000 policy there will be tremendous financial freedom for the family.

It should be obvious that there is a lot of opportunity in the marketing of Critical Illness Insurance. But beyond the sales opportunities is the chance to really make a difference in the life of an individual.

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What Is Fusion Music?

What is fusion music? Well, you don’t have to be an atomic scientist to understand fusion music. Let’s look at a basic definition of fusion; ‘the union of different things by or as if by melting; blending; coalition.’ This definition is from the New World Dictionary of the American Language, Second College Edition. So, in music, different musical elements, often from different musical genres are put together. Here are some examples of fusion music;

  • Reggae Rock
  • Rap Rock
  • Jazz Fusion
  • Gypsy Punk
  • Gypsie Jazz
  • Folktronica
  • Folk Metal
  • Folk Punk
  • Celtic Punk
  • Country Rap

From most of these titles, you can see what genre has been mixed with what other genre; ‘Country Rap’ is obviously Country Music mixed with Rap Music and ‘Folk Punk’ is Folk Music mixed with Punk Music. This is only a partial list, of course, since the combinations are pretty much unlimited. Being of Germanic heritage, I have attended a number of Oktoberfests and heard ‘Umpah Bands’ playing rock songs. One of the more successful types of fusion music is Country Rock.

Another term applied to fusion music is ‘cross-over.’ You have probably heard the term ‘Cross-Over Hit,’ referring to a song that captured the attention of listeners in different genres of music. Fusion music often originates from the desire of a band to reach a broader audience but it can also come from the effort to establish a unique or new sound.

Most musical artists who have stood out have had a unique sound of their own and this is actually the end product of this fusion process we are talking about. Whereas some fusion efforts are very obvious, that is to say they have combined a very identifiable musical element with another very identifiable musical element, some fusion processes are much more subtle and involve a larger number of musical elements.

To illustrate this point, I will share a short story of when I heard a lecture by the late, great author Ray Bradbury. He knew that he was addressing an audience of young writers and he said, quite simply, if you want to be a writer, you just read and read and read and it starts coming back out. Somehow, I understood just what he was saying which was that, in being a writer, you don’t shut yourself off in an ivory tower but you get as much exposure as possible to the writings of other authors and then this starts to come across in a mix that reflects your own personality.

You can take just about any great musical artist and trace his personal favorite musical artists in his music. In Beethoven, for example, we can find Mozart, Haydn, Handle and Bach, not ripped off verbatim, but present stylistically in the mix that is uniquely Beethoven. When we really look, we see that no musical genre has popped out of the blue but is a product what is fusion music.

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