Term life insurance basics

first_img 25SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Derek San Filippo Derek is a freelance writer who spends his off time either working with his rescue animals or writing children’s books. He lives in San Diego with his beautiful wife … Web: www.financialfeed.com Details No one likes to think about death. And almost as bad, life insurance. There are much more enjoyable things to plan for: vacations, retirement, a shiny new car!The problem is, procrastinating on that life insurance policy is costing you money.The older you get, the higher your rates, and the more likely you are to develop health problems which can cause your premiums to be even higher. Conversely, the younger and healthier you are at the time you take out your policy, the cheaper your premiums will be.But life insurance sounds expensive and there are just too many types to choose from.First, why do you even need life insurance? Most commonly, life insurance is a way to ensure that your family’s financial future is secure. Not that you want to think about it, but if you die, you want your family protected. Life insurance can help pay off debt in the form of mortgages, car payments, and credit cards. It can also be used to replace lost income or cover future expenses like a child’s college education.The simplest and least expensive form of insurance is known as Term Life Insurance. This just means that your insurance will last for a set period of time (the term) and your monthly premium will remain the same for the entire lengthof the policy, as will your death benefit. Depending on your needs, you can choose a term of 10, 20, or even 30 years. Ideally by the time your policy term runs out, you will no longer need the insurance.Plan to purchase a policy that can pay off your major bills (e.g., your mortgage) and cover lost income to your family for at least five years. As for the term, better to err on the side of caution and take out a longer policy (which you can cancel when the time is right) than to run out of insurance too soon and have to renew at a higher rate.If you have a family that depends on you, it’s a pretty sure bet that you also have some debt built up. Don’t let the simplicity of term life insurance fool you. Term Life Insurance is inexpensive and worth its weight in gold. Now may be the time to take those first important steps. Call around and get some quotes. Nothing fancy. Just a little peace of mind.last_img read more

Anthony Joshua, Tyson Fury agree to two fights – Eddie Hearn

first_imgBRITISH world heavyweight champions Anthony Joshua and Tyson Fury have agreed to a two-fight deal, says promoter Eddie Hearn.Talks over an historic bout for the undisputed title began in early May.Joshua, 30, holds the WBA, IBF and WBO belts while 31-year-old Fury is the WBC champion.“It’s fair to say (Joshua and Fury) are in agreement regarding the financial terms,” Hearn, who is Joshua’s promoter, told Sky Sports News.“We’re in a good place. It’s fair to say that, in principle, both guys have agreed to that fight. Two fights.”Fury expressed his delight at the news in a social media post. The Manchester-born boxer said he would fight Joshua in 2021, but would first have to overcome the “hurdle in the road” Deontay Wilder, in a third meeting. Fury is contracted to fight the American, from whom he won the WBC title in February.Joshua, who reclaimed his world titles in December, has to face his mandatory challenger, Bulgaria’s Kubrat Pulev, when the sport fully resumes after the coronavirus shutdown.Hearn added: “There is still a lot to overcome. We are looking at venues and dates.“We’ve been talking to (Fury’s management team) MTK, giving them the assurances from Joshua’s side that all the details on the structure of the deal is approved from our side. And it is from Fury’s side, as well.” (BBC Sport)last_img read more

Carpenter leads women’s tennis team over Huskies

first_imgThe University of Wisconsin women’s tennis team has struggled to find its stride after the loss of No. 2 player, sophomore Alaina Trgovich, to a torn ACL. But hard work as well as the guidance of senior Elizabeth Carpenter provided a 7-0 win Friday against the Northern Illinois Huskies at Nielsen Tennis Stadium.Trgovich tore her ACL — an injury that will require surgery — in the third game of the team’s first match against DePaul on Jan. 24, which they lost 6-1.In the fall season, Trgovich, a transfer student from the University of Kentucky, went 6-5 in singles and 7-5 in doubles matches.“We’re trying to figure ourselves out now and see who steps up,” Wisconsin coach Brian Fleishman said. “No. 1 player Liz Carpenter understands this is her last season, and [she] is working her tail off being a leader.”?Carpenter, a senior who plays both No. 1 doubles and No. 1 singles, swept both of her singles sets 6-0 on Friday. Along with her doubles partner, UW freshman Angela Chupa, Carpenter also won 8-1.Carpenter is ranked No. 25 in the women’s Midwest Rankings for NCAA Division I tennis, according to the most recent ITA rankings, and was the Badgers’ 2008 team MVP. Throughout the match, Carpenter could be heard encouraging her teammates as they played on adjacent courts.Against the Huskies, the Badgers swept all six singles matches with six shutouts by Carpenter, junior Katya Mirnova, sophomore Emese Kardhordo and sophomore Jessica Seyferth.Chupa, who played the position of No. 5 singles, is currently undefeated in both singles and doubles this season, although her second match was closer than she’d like — she won 6-4.“This girl hit a really big forehand, and when I didn’t think she’d come up with a win she did,” Chupa said of opponent Emily Rogers, who was playing in her debut collegiate-level game. “[My goals are] to keep working on my game and to try to help my team come through [with] victories when we need them.”The team’s No. 1 and 2 doubles teams defeated NIU, giving up only one game to the Huskies’ No. 1 team.“I would have to say Wisconsin is one of the strongest teams we play,” No. 1 doubles and NIU junior Brooke Forsberg said.Aleksandra Markovic and Seyferth played No. 2 doubles, and their ability to work well together was exemplified in their 8-0 win over NIU’s No. 2 doubles team, as well as in the way they encouraged each other after each point.Despite a promising start in winning the first game, the UW No. 3 doubles team, consisting of Mirnova and Dana Larsen, ultimately lost 8-4.The loss of Trgovich forced Fleishman to rearrange the team’s lineup, which likely was a contributing factor in the loss, as Trgovich was poised to play doubles with Seyferth in the opening season match against DePaul.“I do not think we played our best,” Larsen said. “We definitely have room for improvement — especially in the serve.”In the fall season, Larsen, a freshman, went 4-1 in singles matches but posted an 0-2 record for doubles.The match against Northern Illinois was a dual match — one that is played against nonconference teams — of which the team will play upwards of 20 this season.With the win over NIU, No. 68 Wisconsin improved its overall record to 2-1. Its next dual match is Saturday against Old Dominion, and its first Big Ten match is on March 4 against top-ranked Northwestern.last_img read more

Shohei Ohtani’s first homer, solid relief work help Angels cool sizzling Twins

first_img Jose Suarez’s rocky start sinks Angels in loss to Astros Newsroom GuidelinesNews TipsContact UsReport an Error Angels offense breaks out to split doubleheader with Astros PreviousLos Angeles Angels pitcher Tyler Skaggs throws against the Minnesota Twins in the first inning of a baseball game Monday, May 13, 2019, in Minneapolis. (AP Photo/Jim Mone)Los Angeles Angels’ Tommy La Stella is congratulated in the dugout after scoring on a Mike Trout single off Minnesota Twins pitcher Jose Berrios in the first inning of a baseball game Monday, May 13, 2019, in Minneapolis. (AP Photo/Jim Mone) SoundThe gallery will resume insecondsLos Angeles Angels pitcher Tyler Skaggs reacts after giving up a walk to Minnesota Twins’ C.J. Cron in the first inning of a baseball game Monday, May 13, 2019, in Minneapolis. (AP Photo/Jim Mone)The Angels’ Shohei Ohtani swings at an incoming pitch for a go-ahead two-run home run during the third inning of Monday’s game against the Twins in Minneapolis. (AP Photo/Jim Mone)Los Angeles Angels Shohei Ohtani, of Japan, follows through on a two-run home run off Minnesota Twins pitcher Jose Berrios in the third inning of a baseball game Monday, May 13, 2019, in Minneapolis. (AP Photo/Jim Mone)Los Angeles Angels’ Shohei Ohtani, back second from right, runs the bases on a two-run home run off Minnesota Twins pitcher Jose Berrios, left, in the third inning of a baseball game Monday, May 13, 2019, in Minneapolis. (AP Photo/Jim Mone)MINNEAPOLIS, MN – MAY 13: Shohei Ohtani #17 of the Los Angeles Angels of Anaheim celebrates a two-run home run against the Minnesota Twins with third base coach Mike Gallego #86 as he rounds the bases during the third inning of the game on May 13, 2019 at Target Field in Minneapolis, Minnesota. (Photo by Hannah Foslien/Getty Images)Los Angeles Angels Shohei Ohtani, center, of Japan, and Mike Trout, right, head to the dugout after Ohtani’s two-run home run off Minnesota Twins pitcher Jose Berrios (not shown) in the third inning of a baseball game Monday, May 13, 2019, in Minneapolis. Twins catcher Jason Castro, left, looks on. (AP Photo/Jim Mone)Minnesota Twins’ Jorge Polanco, right, is forced out at second base on a fielder’s choice as Los Angeles Angels second baseman Tommy La Stella attempts a double play which failed in the fifth inning of a baseball game Monday, May 13, 2019, in Minneapolis. (AP Photo/Jim Mone)The Angels’ Mike Trout, left, congratulates Tommy La Stella after La Stella’s go-ahead solo home run off Minnesota Twins pitcher Jose Berrios in the sixth nning of a baseball game Monday, May 13, 2019, in Minneapolis. (AP Photo/Jim Mone)Los Angeles Angels pitcher Tyler Skaggs throws against the Minnesota Twins in the first inning of a baseball game Monday, May 13, 2019, in Minneapolis. (AP Photo/Jim Mone)NextShow Caption1 of 10Los Angeles Angels pitcher Tyler Skaggs throws against the Minnesota Twins in the first inning of a baseball game Monday, May 13, 2019, in Minneapolis. (AP Photo/Jim Mone)ExpandMINNEAPOLIS — There is a recipe for winning baseball that uses ingredients the Angels already have in the cupboard.The Angels beat the Minnesota Twins 5-4 on Monday night, showing what can be accomplished with a deep lineup and a strong bullpen.Shohei Ohtani’s first homer of the year and Tommy La Stella’s surprising 10th homer provided the bulk of the offense on a night the Angels had 15 hits, including 12 against Twins ace José Berrios.It was only good enough for a one-run lead after Tyler Skaggs had labored through five innings, leaving the bullpen to maneuver through 12 outs. “We’re dangerous, one through nine,” La Stella said. “I think in the beginning we had some bad luck, but hopefully it’s starting to turn for us.”La Stella, who also had three hits, belted his homer just in time for Skaggs to be the pitcher of record, even though he’d already thrown his last pitch of the night.Overall, it took Skaggs 101 pitches to get through five innings. He walked three, including two of the first three batters of the game, and he started only 11 of 24 hitters with a strike.“I’ve got to cut down on the walks,” Skaggs said. “The home runs today, they hit some bad pitches. But the team picked me up.”He also got bailed out by Brian Goodwin making a catch with his back to the fence to end the fourth, saving at least two runs.“Luckily, our offense and our bullpen are our strength right now,” Skaggs said. “As a starting staff we need to pick it up, and we’re going to.” Angels’ Shohei Ohtani spending downtime working in outfield center_img Then the Angels’ hitters took over.In the third, Berrios left a pitch over the middle and Ohtani crushed it 429 feet to left-center, knocking it off the scoreboard above the bullpens. The two-run homer put the Angels up 3-2.An Albert Pujols opposite-field single – one his three hits – pushed the lead to 4-2.After Skaggs gave up the lead by allowing a Marwin Gonzalez homer in the fifth, La Stella restored the Angels’ lead with an opposite-field homer against Berrios in the sixth.The first opposite-field homer of La Stella’s career continued his surprising season.“What we heard is he gives you a professional at-bat, but not a lot of power,” Ausmus said. “What we’ve seen is a professional at-bat, he gets his hits and he has hit homers.”Mike Trout also had three hits against Berrios, as he continues to pull out of his uncharacteristic slow stretch.Related Articles Angels’ poor pitching spoils an Albert Pujols milestone Angels’ Mike Trout working on his defense, thanks to Twitter Justin Anderson struck out the side in the sixth, Ty Buttrey worked two innings, and then Hansel Robles closed it out, netting the Angels an encouraging victory.“That’s an outstanding job,” Manager Brad Ausmus said. “Buttrey got through two innings. Anderson looked really sharp and Robles closed it out. They did an excellent, excellent job.”Buttrey said the relievers fed off each other to produce the perfect night.“I think everyone is raising the bar for the next guy,” Buttrey said. “Ando did a great job and I wanted to continue the pattern and Robles did the same thing. … Ando comes in and strikes out the side, and I’m trying to strike out the side, and Robles is too.”They did so against the Twins (25-15), who came into the game with baseball’s best winning percentage, largely because of a powerful offense. They showed that power in the first inning when Jorge Polanco belted a two-run homer, one of two two-run homers allowed by Skaggs.last_img read more

Mallard’s Team of the Week — LVR Bombers Field Hockey Team

first_imgThe L.V. Rogers Bombers faced some stiff competition at the B.C. High School AA Girl’s Field Hockey Championships in West Vancouver.Hats off to the Bombers girls for taking the Wild Card route to the provincial tournament and proudly representing the West Kootenay. Staff at Mallard’s Source For Sports want to honour the accomplishments of the Bombers by naming the squad Team of the Week.The team includes Noelle Wang, Emma Borhi, Ella Pommeranz, Emma Gregorich, Lauren Walgren, Sydney Zondervan (coach) Allie Zondervan, Kyra Burkart, Naomi Perkins, Mckenna Bennett, Noa Butterfield, Hailee Gerun, Anna Goeppner, MarleyReynold and Ava Strautman, Jena Wheeldon, Tara Yowek, Abbie Bourchier-Willans and coaches Val Gibson and Bruce Walgren.last_img read more

Liverpool line-up v Olympiakos: £20m man to make Reds debut?

first_imgLiverpool’s pre-season festivities are in full swing across the Atlantic, though they didn’t enjoy the best start of their tour of the United States as they slipped to a 1-0 defeat to Roma at Fenway Park.Brendan Rodgers will be hoping the team left their misfortune behind them in Boston, as they prepare to take on Olympiakos in Chicago on Saturday night.Serbian winger Lazar Markovic has yet to make an appearance since completing his £20million move from Benfica and could get a starting spot on the right wing, while 18-year-old Jordan Ibe could be deployed on the opposite flank, having impressed in all three of the team’s pre-season fixtures so far.The Reds boss has so far let the club’s World Cup goers take a breather, but could this game also see their biggest stars make a return?Captain Steven Gerrard could enter to the field for the first time since England’s disappointment in Brazil, with fans hoping for a repeat of his famous strike [‘WHAT A HIT, SON!’] against the Greeks on the road to their 2005 Champions League triumph, and he may be joined by fan-favourite Pepe Reina, who has rejoined the Reds having spent last season on loan at Napoli.Rodgers could also continue Martin Kelly’s run in the side as the defender looks to nail down a regular role after returning from a long injury absence, while Mamadou Sakho – who may have surprised Reds fans with some solid displays at the World Cup, but still has much to prove in a Liverpool shirt – may also get some minutes.Is this how Liverpool will look against Olympiakos? New Liverpool signing Lazar Markovic 1last_img read more

Man kicked priest’s car during drunken rage

first_imgA man who kicked a priest’s car and then challenged Gardai to a fight has appeared in court.Ryan Scanlon pleaded guilty to the attacks but said he simply could not remember anything that happened. The 19-year-old was approached by Gardai after attacking the priest’s car at Cathedral Place in Letterkenny at 1.20am on June 22nd last.The attack took place during the Donegal International Rally weekend and Scanlon had been drinking heavily.Sgt Jim Collins told Letterkenny District Court that when approached by Gardai, Scanlon clenched his fists and invited Gardai to fight.Defence solicitor Patsy Gallagher said Scanlon, of Meadowbank Park in Letterkenny simply couldn’t handle his drink.He had since paid compensation for the damage to the priest’s car.Although Scanlon claimed in court that he was trying to address his issues, Judge Paul Kelly said he had some doubts as he was laughing during the court case.Scanlon, who is doing a FAS course, said he did not who to go to in an attempt to address his issues with alcohol.Judge Kely adjourned the case until December 16th and ordering a community service and probation service.Man kicked priest’s car during drunken rage was last modified: September 27th, 2019 by StephenShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window) Tags:attackcarcourtdonegalletterkennyRyan Scanlonlast_img read more

Ross, San Miguel put clamps on Ginebra import Brownlee

first_imgView comments Read Next MOST READ WATCH: Streetboys show off slick dance moves in Vhong Navarro’s wedding Brace for potentially devastating typhoon approaching PH – NDRRMC Trending Articles PLAY LIST 00:50Trending Articles00:50Trending Articles01:30’Excited’ Terrence Romeo out to cherish first PBA finals appearance01:37Protesters burn down Iran consulate in Najaf01:47Panelo casts doubts on Robredo’s drug war ‘discoveries’01:29Police teams find crossbows, bows in HK university01:35Panelo suggests discounted SEA Games tickets for students02:49Robredo: True leaders perform well despite having ‘uninspiring’ boss02:42PH underwater hockey team aims to make waves in SEA Games Frontrow holds fun run to raise funds for young cancer patients  E.T. returns to earth, reunites with grown-up Elliott in new ad  Ross is also hopeful that wins like these can finally silence critics saying that San Miguel is in a disarray.“I don’t think anything was wrong with us. We lost two games by one point. It’s not like we’re getting blown out. The game against Alaska, we got blown out, but before that, games against NLEX and Star were decided by just one possession,” he said. “I felt like we’re not playing bad even though we’re at 3-3. We’re always one possession away.”Ross agreed that looking back, the Beermen made a mistake on replacing Wendell McKines with Terik Bridgeman.But with Terrence Watson now in the fold, he believes that San Miguel is back to its old dominant self as it seeks to make it to the top four and ultimately capture the Grand Slam.“When we changed imports, I guess you could say they made the wrong decision, but I felt we’re playing good enough to win games. We’re just not making plays at the end of the game. But now that we got an import that competes and fits in well with us, plus we’re getting healthy and coach is finding our way with our rotation, then we’re starting to play a little bit better which is causing us to win games,” he said.ADVERTISEMENT “I was just taking the challenge,” shared Ross on Sunday. “He was really a prolific import. He puts his shirts on like I put my shorts on in the morning, so I just go out there and compete.”It may seem like a mismatch but the veteran guard showed he is the right man to slow down Brownlee, who was limited to just 14 points on 7-of-18 shooting from the field.FEATURED STORIESSPORTSWATCH: Drones light up sky in final leg of SEA Games torch runSPORTSSEA Games: Philippines picks up 1st win in men’s water poloSPORTSMalditas save PH from shutoutRoss, who had four steals, was also stellar on the offensive end with 20 points, four rebounds and five assists.“We’re desperate for a win and Ginebra is playing great basketball, so I’m just happy that we’re able to pull this win out,” he said. “Everyone played well. We had a great game plan from coach and we’re able to squeak this one out.”center_img Desiderio walks the talk in UP’s last-second win over UST Nonong Araneta re-elected as PFF president LATEST STORIES Fire hits houses in Mandaluyong City BSP sees higher prices in November, but expects stronger peso, low rice costs to put up fight LOOK: Loisa Andalio, Ronnie Alonte unwind in Amanpulo for 3rd anniversary Don’t miss out on the latest news and information. San Miguel Beer guard Chris Ross and import Terrence Watson double teams Barangay Ginebra import Justin Brownlee. PBA IMAGESChris Ross may have given up four inches in defending Justin Brownlee, but at the end of the day, that huge height disparity was hardly a factor at all.Bringing in his scrappiness and grit, the reigning Defensive Player of the Year hounded the Ginebra import for the 42 minutes he spent on the floor to help San Miguel come away with a 107-103 victory.ADVERTISEMENTlast_img read more

F1: Strong finishes keep Akhil Khushlani gunning for bigger goals

first_imgOne year is a long time in any sport and staying away from the track for the same period doesn’t bode well for anyone who hopes to make it big in the world of motor racing.But confidence can make anything possible and it is exactly the reason why Akhil Khushlani ended up on the podium in the 10th round of the JK Racing Asia Series at Silverstone last weekend.After a long lay-off, Khushlani arrived at the British track with little practice but after not-so-impressive performances in practice and qualifying, the US Formula Project driver stunned everyone with a second-place finish.”I was completely off track for close to one year. But when I arrived in Silverstone, I was pretty confident as I had done testing on simulators at home,” Khushlani told Mail Today.”The only thing I was nervous about was the track as this was the first time I was racing at the Silverstone circuit. I planned my whole race differently and wanted to put my car amongst the top 3 in practice and qualifying, which didn’t happen. But I did well to finish second in the race,” the 22-year-old added.The next round of events for the JK Racing Asia series are at the Buddh International Circuit (BIC) in Greater Noida in October.For Khushlani, taking up motorsports wasn’t a difficult choice as his father was a bike racer.Khushlani was introduced to karting at the age of nine and the results started coming soon. In 2005, he became the first Asian to finish in the top five at the World Karting Championships.After seven years of karting, Khushlani graduated to the Formula BMW series and drove with distinction for Team Euorasia before he began racing in the JK Racing Asia series.Khushlani, an Ayrton Seena fan, hopes to take further strides in his motor racing career but understands that a lot depends on the sponsorship he can garner for himself.”JK Tyre has been supporting me for quite some time. I plan to move ahead in my motor racing career and for now, I am taking everything step by step.”Getting ahead from here – it all depends on the budget. I’ll wait for this season to get over and may be after November, take a call on my career.”advertisementlast_img read more