Nikola

Posts Tagged ‘life’

4 Types of Insurance Everyone Should Have

In Your Guest Writers on January 15, 2011 at 1:36 AM

 

Image Credit Michal Zacharzewski

 

 

No matter how much or how little you make in a year, insurance is one financial topic that cannot be ignored. Insurance protects you, your family, your earnings, and your possessions. Without it, you leave everything to chance. On the other hand, you don’t want to spend too much on insurance or purchase insurance that you don’t need. If money is tight, you are better off focusing on the four types of insurance that you can’t afford to go without.

Auto Insurance

Despite the fact that some form of auto insurance is required by law in every state, more than 16 percent of the nation’s drivers are uninsured. For this reason alone, you should make sure you are protected when you hit the road. At minimum, you should have enough auto insurance to meet state minimum requirements. Collision and comprehensive coverage makes sense if you have a nice vehicle or a lien holder on your title. Your policy should also include some form of liability coverage, which pays for other people’s expenses when you are at fault in an accident.

Home or Renter’s Insurance

Although neither home nor renter’s insurance are required by law, both types of insurance are smart to have. If you own your own home, you should have enough insurance to cover 100 percent of your home’s replacement costs. You should also have some level of liability coverage in case someone is injured on your property–in addition to coverage for your personal possessions. If you rent your home, you will definitely want to have a replacement cost policy for your possessions as well as liability coverage. Your landlord’s insurance will not pay for anything you own.

Life Insurance

Life insurance is a necessity for everyone. When you pass, your family will need money to pay for funeral and burial costs. If your family depends on your income or even a portion of your income, they may need extra cash to pay the mortgage and other everyday bills. Other financial considerations could include retirement, education, and taxes. The amount of life insurance that you need depends on your individual situation. You can get an estimate by using one of the many free life insurance calculators on the web or by speaking with a qualified insurance agent or financial advisor.

Disability Insurance

A disability will affect one in five Americans at some point in their life. Most people are disabled for at least 90 days or longer. If a disability would prevent you from supporting yourself or your family members, you should definitely have disability insurance. An individual disability policy is designed to replace a specific percentage of your income if you are unable to work and can be purchased at a relatively low cost. You may also be able to get short-term and/or long-term group disability coverage through your employer.

Guest post from Bailey Harris, who writes about Car Insurance Quotes for www.carinsurancequotes.net.

Classic Wisdom For The Professional Life

In Your Books on May 21, 2010 at 10:50 AM
 

   

  

by Bryan Curtis

 

  

What secret do Bill Clinton, Oprah Winfrey, Lee Iacocca and J. K. Rowling share?        

Bryan Curtis’ book, Classic Wisdom for the Professional Life is in its simplest form – a book of quotes.  But not just any quotes from anyone. Through a series of quotes from Ulysses S. Grant to Giorgio Armani, John D. Rockefeller to Jeff Foxworthy, Curtis shows that the happiest and most successful folks are those having a love affair, with the way they earn a living.    

It’s a book about getting good at doing what you love.  This is the secret of success and the answer to my question; Bill Clinton, Oprah Winfrey, Lee Iacocca and J. K. Rowling are happy working in their professions.  Curtis’ book points out that many folks spend eight hours a day, five days a week at jobs they don’t enjoy …  

If you don’t find a way to do something as work that is fulfilling and enjoyable, then your life is going to be really sad.    

RUDY GIULIANI   

Don’t let the fear of the time it will take to accomplish something stand in the way of your doing it.  The time will pass anyway we might just as well put that passing time to the best possible use.EARL NIGHTINGALE   

and that the road to happiness is lined with toll booths, construction zones, roadblocks, and potholes along the way.  

Nearly every man who develops an idea works at it up to the point where it looks impossible, and then gets discouraged.  That’s not the  place to become discouraged.THOMAS EDISON   

Classic Wisdom For The Professional Life gives you the courage, the inspiration, and the moxie, to believe in yourself and the wisdom to understand that you should be happy in the work you do. The book’s message is clear, insightful and presented in a simple style that is enjoyable to read.    

5 Bags

 

  

This is the perfect book to give new grads, bosses, co-workers, friends and family, and those who are, and definitely those who aren’t, happy in the work they do.   

What about you? Are you the type who wakes up dreading that it’s a work day?  Or are you one of the luck few having a love affair with the work you do?   Be good to yourself. Pick up a copy of Classic Wisdom for the Professional Life. You’ll be happy you did.  

Book Sneeze – I receive books free from Thomas Nelson Publishers as part of their BookSneeze.com book review bloggers program. I’m not required to write positive reviews; the opinions I express are my own.  I’m disclosing this in accordance with the Federal Trade Commission’s 16 CFR, Part 255: “Guides Concerning the Use of Endorsements and Testimonials in Advertising.” 

How to Prepare for the Blind Date from Hell

In Your World on March 6, 2010 at 2:44 PM

 

The mere thought of going on a job interview can strike fear in the strongest of hearts. Nearly every person who has ventured into the job pool has had or can tell a horror story. But, if you prepare yourself for what might happen and follow these 10 strategies, you could find yourself landing your dream job.

Acing the Interview

  1. Dress the Part – Be tidy, smart and reasonably conservative.  A good rule of thumb is to dress one step above company culture.
  2. Imagine Everyone You Meet is Interviewing You – The people you meet, including the secretary, are part of the informal interview process – make a great impression on everyone.
  3. Tell me about yourself –Your response to this question sets the tone for the remainder of the interview. Don’t ramble, and keep your response under 2 minutes!  List strengths (skills, experience, qualities) that are relevant to the job. The key is to come prepared. 
  4. What kind of salary do your require? – Know the market value of the job. Research the company’s profile and compare it to similar firms and your current salary.  Ask your interviewer the range for this position and have a specific range in mind when you respond.
  5. What do you know about our company? – You wouldn’t go on a blind date without first knowing something about the person; apply this same principle to your interview. Visit the company website to learn about any recent developments.  Know the company’s  history, philosophy, image, goals, reputation, problems, management style, products, and size. Don’t show surprise if the interviewer shares something that was recently announced by the company.
  6. What major challenges have you encountered and how did you respond? – Come prepared with a minimum of three challenges that relate to the job you are applying for.  Your challenges should reflect characteristics you think the company respects.
  7. What can you do for our company that someone else can’t? – Expand your response to question 3. Focus on 4 to 6 skills that show you are the right candidate for this position. Highlight your proven record of providing solutions, your ability to bring fresh perspectives to the company and recent experiences that show success in working for past employers. This is also your opportunity to clarify any mistakes made during your interview. Your goal is to focus on your strengths and how they will benefit this company.
  8. Concluding the interview – If asked if you have anything else to add, the best response is to thank the interviewer for their time, briefly summarize your qualifications and restate your interest in the position.
  9. After the interview – Do a personal assessment. Jot down the names of everyone you met, information you learned about the company, and the questions you were asked, highlight any you found difficult,.  Even if you’re not hired for this job, a “personal debriefing “will help on future interviews.
  10. Follow up – Write a thank you letter to everyone involved with your interview.  This shows you understand business etiquette.

 Good luck at your next interview!

 Resources

100 Best Companies to Work For in 2010

Career Builder – Online employment website 

Monster – Online employment website

 USA Jobs – The Federal Government’s official job list