Life

Do you think about life insurance? If you answered no, you should be. Life insurance is not something you want to put on the back burner and wait until later. The thing with life insurance is that you never truly know when you’ll need it. It could be when you least expect it.

You get life insurance to help out your loved ones if you were to pass away unexpectedly. Although it’s not something we want to think about, it’s a reality for many families. Having life insurance ensures that those you leave behind will have the money for funeral expenses and everyday living. Without it, your family could end up with any remaining debt, all the costs for a funeral, and the struggle of losing an income.

The issue with traditional life insurance for many is the medical exams required before the possibility of approval. Some do not like going to the doctor or are afraid of needles. Others may not have the time to go through everything the insurer requires. That is where no exam life insurance comes into play.

Take a look at some of the benefits and drawbacks of no-exam life insurance to decide if it’s an option for you.

 

No Medical Exam

One of the biggest appeals of no-exam life insurance is the fact that applicants do not have to go through a medical exam. That doesn’t mean you simply fill out a few papers and you’re approved for life insurance. There are still many steps to take.

You’ll be required to answer a handful of questions regarding your health. Your answers will determine if the insurer accepts or declines your application. So, there is still the chance of getting declined if you a terminally ill, have a history of heart disease, or even if you have diabetes.

Simplicity

Another major appeal of no-exam insurance is the simplicity of applying for coverage. Many insurers allow you to fill out an application online, answer the required questions, and get approved the same day. There is no need to go to the doctor, and you avoid any of the waiting periods after getting your medical exam. It’s a quick and easy process for almost instant coverage.

Expensive

One drawback of no-exam life insurance is the price of the monthly premiums. Because there is no health exam and the insurer grants you coverage almost instantly, the premiums will be higher.

Insurance premiums are higher for those who have poor health, and when the insurer thinks there is a higher chance of them having to pay out your policy. Without the medical exam and instant approval, the insurance company is taking a higher risk on you. Also, if you answer your questionnaire that you’re a smoker or drink a lot, you can expect to have higher premiums.

Is No-Exam Insurance Better

Depending on how you look at it, no-exam insurance may be the better option for some, while traditional life insurance might be better for others. If you’re someone who does not like going to the doctor, doesn’t want to go through a medical exam, or do not have the time for the process, then no-exam life insurance would be for you.

If you are up to date with fashion brands, read magazines, or are active on social media, then you’ve likely noticed a shift in the way models look. Gone are the days of strictly thin models gracing our websites and products, and in comes an era of women of all shapes and sizes taking the world – and our brands – by storm.

For JJ’s House, this is a fact to be celebrated and encouraged, something they’ve been encouraging and celebrating for years, and will continue to support. At JJ’s House, they celebrate people of all shapes and sizes – from petite to plus-size, they believe that everyone is beautiful, and they plan to continue making dresses and styles that cater to everyone’s particular needs! This is especially true for the prom dresses 2019 – they proudly offer a huge collection of plus size prom dresses.

So, why are brands suddenly beginning to celebrate models of all shapes and sizes? We’ve laid out a few reasons that we believe this trend is finally coming into fashion! Overall, this is a welcomed shift in the fashion industry that should be fully supported.

Beauty Standards Are No Longer Being Defined by Dated Criteria

At this point in history, we’re all a part of a cultural shift. No longer is beauty defined by a number on a scale, but rather by people who are happy and healthy, living their best lives. Skin and bones don’t equate to model-status anymore, simple beauty and health are beginning to take over, and it’s changing antiquated beauty standards everywhere. This shift in our culture is being reflected in the way marketing and advertising are changing, too, which is one of the reasons that plus size models are becoming a much-welcomed staple in fashion brands and the fashion industry overall.

Body Positive is Sexy!

We discussed that change or shift in our culture earlier, and with that comes this simple idea: body positive is sexy. Gone are the days of shaming a person for not looking a certain way, instead, we’ve ushered in a new era where kindness and positivity are leading the fashion industry. This body positivity movement is evident in most of the fashion brands, and based on the strong, positive reaction from consumers, it’s a trend that will continue.

They Service People of Every Shape and Size, so They Should Show it Off

Like with JJ’s House, plenty of fashion brands out there are already making plus size garments and articles of clothing for their audience base. Because this is already something they offer, they recognize that a portion of their market buys these sizes – why wouldn’t they have a plus size model show off their dresses or other articles of clothing? This is a logical choice more than a choice based on body positivity or shifting culture trends. Because they already serve this client base by creating these clothes, they might as well continue to service this client base by offering them models with similar measurements to show them how things will fit.

There’s been a lot of anticipation about the revenues that would be generated once sports betting is legalized in the US. While some states prepared for the expected revenue increase, others were wary about it.

It is a known fact that illegal gambling

brings in a lot of money. That’s the reason that many people believe legalized sports betting would be profitable. However, this equation is not as easy as it seems. This is because there are a lot of indices that affect the profitability of any enterprise.

The infographics below by NJ Games is meant to help you understand the economic ramifications of legalized sports betting. But before we get into it, let’s give you a summary.

Understanding the Dynamics of Legalized Sports Betting

Just like the days of the Californian

gold rush, the days ahead would witness a lot of wild drama. There are a lot of players in the field of sports betting: the bookie, the bettor, the bookmaking giants, and even the government. All would seek for ways to get a cut of the pie. This would, of course, lead to a lot of wheeling and dealing.

How would the sports leagues make the kind of profit they feel is worthwhile? How would they combat the issue of illegal sports betting that has already gained ground? These are some of the questions the leagues and fans are faced with. This is mainly because even highly rated legal bookies seldom
make anything higher than 5% net profit per year.

Furthermore, some states are considering the issue of “integrity fees”. These are fees that would be paid to the leagues for supervising some exceptional betting activities. This fee is the charge for providing statistical data and would make it even harder for the bookies to compete favorably with illegal sports betting operators.

While optimism about the profitability of legalized sports betting is high, there are still some lingering doubts.

Check out this infographic and get deeper insights into the economic ramifications of legalized sports betting.

Another month has passed and just like the month before, you managed to set 20% of your paycheck aside for your emergency fund. Now it’s been two years and your emergency fund is actually starting to be big enough. The next money you put aside – should you use it for travelling, should you buy something nice (although, maybe useless) for yourself, should you give it to charity? All of them are good options, but there’s also (at least) one other option. Now that you have your emergency fund built, and you really should keep that money safe, you could start thinking of using all the future “spare money” to try to earn with it. To make it grow. And there are several ways of doing that.

Obviously, you could consider playing Powerball online and although the odds are low, the size of your potential winnings is unimaginable. But that’s not really growing your money, that’s hoping for the best. For actually growing your money there are a few different options.

Investing in stocks
It doesn’t necessarily need to be stocks, it could also be forex or cryptocurrencies as well. But investing in stocks is usually a lot better option, because there are some important differences between stocks a cryptocurrency market. Investing is long-term, and you should choose stocks with huge potential. Even if you see actual results only in 10 years time. At this point one good bet would be anything related to Elon Musk. But that’s just my personal take.

Real Estate
While we’ve all heard of and been part of the booms and crashes, by the end of the day real estate market is the best market to invest in. The safest one. Long-term real estate prices are growing. Obviously you still need to do your research about where to buy and for what prices, but in general even today it’s the most fool-proof option. The negative side is that investing in real estate usually assumes a huge investment, at least compared to stocks or cryptos.

Loans
There are a number for crowdfunding lending sites out there which according to a number of friends of mine can actually give you a return of anywhere between 5 and 20% a year. Which is a pretty decent ROI already. Of course, should you join any such platform – again, firstly do your due diligence and make sure the platform is legit. And never lend all of your money to one person but rather split it between 50-200 different people. So that even if some loans will go bad, and they will, you’ll still be making money, not losing it.

Even if the budget is too tight or one cannot spare a lot of money to travel, with such advanced technological advancements in flight industry, one can easily book Flights from Dubai to London at a cheap price. Because London is a city very distinct from any other city in the world, it can be argued that if one has the budget to visit one place in the entire world it should be London. So one should just directly book a hotel and go away on a long tour to the magnificent London city.

There are countless reasons to visit London. London has everything for everyone. For architecture and building lovers London has so many amazing beautiful sights like the Big Ben, the London Eye, Tower of London, Buckingham Palace and a lot of other place. And how can one forget the iconic red double-decker bus which connects all these places making it so easy for the tourists to visit this lovely city without having to worry about getting lost.

One can avoid large amount of shopping when they are on a strict budget or buy only the best but few things without having to burn a large hole in the pocket while they are in London because this city provides the best shopping experience for men, women and kids everyone. The Carnaby Street boutiques will offer something for everyone. And if one is on tighter budget they will be shocked by how low prices can get in Knightsbridge area. Londoners work hard but they party harder which is why London is the hotspot for night owls in the entire world.

One can find everything at night in London. From classic pubs to dive bars to theatres packed with stars. Whenever one visits London, they must book tickets for at least one evening show. Shows like West End musical, standup comedy shows and live concerts offer the best experiences. And it just doesn’t end here there are countless other things to do in London. One just has to make up their mind and book Flights from Dubai to London which fly daily.