10 Signs that She is Ready to be Your Life Partner


Guys, are you in a relationship and wondering if the girl you’re dating is the one person you want to spend your entire life with? Well, check out these 10 hidden traits and if you check more than 6, it’s time to start looking at BTO projects and bind her to you for life as soon as possible. Before it’s too late, yeah?

She’s easily contented
Even if you can’t give her the best in life, she’ll still stick by you through thick and thin because she doesn’t need material stuff to be happy as long as she has you.

She’s selfless
Marriage, even relationships, are all about give-and-take. If she’s not selfless enough to sacrifice and give in occasionally, you know that the relationship won’t end well. After all, there’s only so much you can give in before you get frustrated and decide that enough is enough, right?

She’s strong emotionally
When it comes to starting a family together, both the guy and the girl will face obstacles that seems insurmountable and stresses over practically everything, because it’s an area in life that’s so new to them. If your girl is strong emotionally, both of you can comfort and support each other in times of crisis.

She’s doesn’t spend much
If she still spends on branded bags and chases after the latest trends, you’re going to have a hard time paying the bills, paying off the loans and providing for her. The lesser she spend, the more the both of you have to pay for the necessities.

She can cook passably
Because, hey, it’s expensive to eat out and sometimes, even if you can cook, it’s awesome to have her cooking a meal for you in your own little world, no? And she doesn’t need to be a world-class cook, because whatever she cook, will taste delicious to you. Guys, agree?

She can take care of you
Of course, we’re not saying let her take care of you while you laze around doing nothing. But if your girlfriend is able to take care of you and support you in times of need when you’re dating, you’ll know she’ll be the perfect mother for your children.

She’s independent
A marriage is between two person, and both of you need to toughen up and support the family together. Now, imagine a marriage where instead of the wife and husband sharing troubles together, the man is doing everything while the woman just relax and leave everything to him, which one would you prefer to be?

She’s competitive
She’s going to do the best she can, and in the process, ignite your competitive spirit to do the best you can as well. This way, the both of you can grow together as a couple.

She’s tolerant
If she’s doing great at tolerating your antics when you’re dating, even when you know you’re particularly irritating or being a MCP, then you know she’ll make a good wife. Because after marriage, the things she has to tolerate about you will only increase.

She has got great people skills
Hey, she has to have great people skills because you don’t want to be stuck between your mother and your wife every single time you come home, right?

As posted in goodyfeed.com


30 Cool Weekend Activities that will cost you little to nothing


Are you bored or restless during the weekend? Boredom often prompts people to spend money on distractions. If you’re feeling broke, you run the risk of spending money by going shopping or by going to the movies.

Don’t worry – there are plenty of free and cheap things to do on the weekend with your family and friends. None of them involve spending crazy amounts of money.

30 Free and Fun Weekend Activities

#1: Check out neighborhood or church festivals.

#2: Take your kids to the park. Bring a picnic.

#3: Host a potluck barbeque. Ask everyone to bring a side dish, a drink, or a package of meat or veggies for the grill.

#4: Invite friends over for card games.

#5: Experiment with new recipes or invent one of your own.

#6: Run through the sprinklers.

#7: Dance in your living room – it’s a free workout!

#8: Practice a musical instrument, or jam in the garage with your friends.

#9: Visit your neighborhood garage sales.

#10: Grab the camera, take landscape pictures of your neighborhood, and edit the photos on your computer.

#11: Write a love letter to your spouse! Surprise him or her.

#12: Drive through the countryside to get a breath of fresh, unpolluted air.

#13: Visit a free museum or art gallery with your kids.

#14: Make a collage out of photos in old magazines.

#15: Browse About.com’s pages to learn a new skill – like how to repair cars, how to design websites, or how to sew

#16: Climb trees — just like the old days

#17: Ride your bicycle along local bike trails.

#18: Flip through albums of old family pictures.

#19: Go to a library (or browse the Kindle or Amazon Prime Lending Library) to check out interesting books.

#20: Cut up old clothes and turn scraps into costumes or crafts.

#21: Pamper yourself with an at-home pedicure, facial and deep-conditioning.

#22: Start a stamp collection.

#23: Learn about fascinating topics, like Roman history or world religionsν.

#24: Shoot pool (billiards) at a friend’s home.

#25: Go to a Little League baseball game with the neighborhood kids.

#26: Try out new hairdos.

#27: Organize and tag your Facebook photos.

#28: Play Monopoly or other board games with your family.

#29: Go for a jog.

#30: Volunteer at a local animal shelter, homeless shelter or other charitable organization.

do you have more fun activities? Please comment below 🙂

Originally posted on budgeting.about.com.


Visionary people will buy insurance!

jack_maMa is no doubt that a person has a great vision, he chose to have insurance coverage of up to 40 million.

Ma’s remarks, sharply reflects the significance of insurance, “Do not let your hard-earned money become medical expenses.”

“Buying insurance can’t change your life; instead it prevents your lifestyle from being changed. After toiling for decades, an illness can wipe out an entire family’s savings by the medical bills incurred. In times of tragedy, when faced with the possible loss of life, one is once again reminded of the purpose of the existence of insurance sales people.”

Here is his original message as posted in http://mp.weixin.qq.com/









有时候也想说: 你经济条件是好,但你比影星付彪更有钱?付彪走的时候,却给老婆孩子留下的巨额的债务; 亏得一些生前好友帮助才度过难关,试问谁想家人孩子成为别人的负担!

有时候还想说: 你们家豪车,豪宅都是按揭买的,欠下银行几十万甚至上百万,你真的没有压力吗?洛桑的父母,为什么从北京豪华的别墅搬回了农村老家?是因为他们失去了会挣钱的儿子。










Billionaire Jack Ma, the founder and ex-CEO of Alibaba Group, as well as one of the most successful Chinese Internet entrepreneurs, shares his wealth of experiences.


Jack Ma: The mistake I regretted the most

In 2001, I made a mistake. I told 18 of my fellow comrades whom embarked on the entrepreneurship journey with me that the highest positions they could go was a managerial role. To fill all our Vice President and Senior Executive positions, we would have to hire from external parties.

Years later, those I hired were gone, but those whom I doubted their abilities became Vice Presidents or Directors.

I believe in two principles: Your attitude is more important than your capabilities. Similarly, your decision is more important than your capabilities!

Jack Ma: You cannot unify everyone’s thoughts, but you can unify everyone through a common goal.

  1. Don’t even trust that you are able to unify what everyone is thinking; it is impossible.
  2. 30% of all people will never believe you. Do not allow your colleagues and employees to work for you. Instead, let them work for a common goal.
  3. It is a lot easier to unite the company under a common goal rather than uniting the company around a particular person.

jack ma alibaba

Jack Ma: What does a leader have that an employee doesn’t?

A leader should never compare his technical skills with his employee’s. Your employee should have superior technical skills than you. If he doesn’t, it means you have hired the wrong person.

What, then, makes the leader stands out?

  1. A leader should be a visionary and have more foresight than an employee.
  2. A leader should have higher grit and tenacity, and be able to endure what the employees can’t.
  3. A leader should have higher endurance and ability to accept and embrace failure.

The quality of a good leader therefore is his vision, tenacity, and his capability.

Jack Ma: Don’t be involved in politics

  1. One should always understand that money and political power can never go hand in hand. Once you are in politics, don’t ever think about money anymore. Once you are running a business, don’t ever think of being involved in politics.
  2. When money meets political power, it is similar to a match meeting an explosive- waiting to go off.

Jack Ma: The 4 main questions the young generation must ponder on

  1. What is failure: Giving up is the greatest failure.
  2. What is resilience: Once you have been through hardships, grievances and disappointments, only then will you understand what is resilience.
  3. What your duties are: To be more diligent, hardworking, and ambitious than others.
  4. Only fools use their mouth to speak. A smart man uses his brain, and a wise man uses his heart.

jack ma serious

Jack Ma: We are born to live and experience life.

I always tell myself that we are born here not to work, but to enjoy life. We are here to make things better for one another, and not to work. If you are spending your whole life working, you will certainly regret it.

No matter how successful you are in your career, you must always remember that we are here to live. If you keep yourself busy working, you will surely regret it.

Jack Ma on competing and competition

  1. Those that compete aggressively with one another are the foolish ones.
  2. If you view everyone as your enemies, everyone around you will be your enemies.
  3. When you are competing with one another, don’t bring hatred along. Hatred will take you down.
  4. Competition is similar to playing a board of chess. If you lose, we can always have another round. Both players should never fight.
  5. A real businessman or entrepreneur has no enemies. Once he understand this, the sky’s the limit.

Jack Ma: Don’t make complaining and whining a habit

If you complain or whine once in a while, it is not a big deal.

However, if it becomes habitual, it will be similar to drinking: the more you drink, the stronger the thirst. On the path to success, you will notice that the successful ones are not whiners, nor do they complain often.

The world will not remember what you say, but it will certainly not forget what you have done.

Jack Ma’s advice to entrepreneurs

  1. The opportunities that everyone cannot see are the real opportunities.
  2. Always let your employees come to work with a smile.
  3. Customers should be number 1, Employees number 2, and then only your Shareholders come at number 3.
  4. Adopt and change before any major trends or changes.
  5. Forget the money; Forget about earning money.
  6. Rather than having small smart tricks to get by, focus on holding on and persevering.
  7. Your attitude determines your altitude.

Jack Ma on entrepreneurship

  1. A great opportunity is often hard to be explained clearly; things that can be explained clearly are often not the best opportunities.
  2. You should find someone who has complementary skills to start a company with. You shouldn’t necessarily look for someone successful. Find the right people, not the best people.
  3. The most unreliable thing in this world is human relationships.
  4. “Free” is the most expensive word.
  5. Today is cruel, tomorrow will be worse, but the day after tomorrow will be beautiful.


Jack Ma: The 4 don’ts of entrepreneurship

  1. The scariest things about starting up is the inability to see, to be snobbish, to be unable to understand what is going on, as well as to be unable to keep up with pace.
  2. If you do not know where your competitor is, or overconfident and snobbish about your competitor, or are unable to comprehend how your competitor became a real threat, you will surely fall behind him. Don’t be the “they” in this idiom: First they ignore you, then they laugh at you, then they fight you, then you win.
  3. Even if your competitor is still small in size or weak, you should take him seriously and treat him as a giant. Likewise, even if your competitor is massive in size, you shouldn’t regard yourself as a weakling.

Jack Ma on starting your own company

What starting your company means: you will lose your stable income, your right to apply for a leave of absence, and your right to get a bonus.

However, it also means your income will no longer be limited, you will use your time more effectively, and you will no longer need to beg for favours from people anymore.

If you have a different mindset, you will have a different outcome: if you make different choices from your peers, your life will then be different from your peers.

Jack Ma on opportunities

If there are over 90% of the crowd saying “Yes” to approving a proposal, I will surely dispose the proposal into the bin. The reason is simple: if there are so many people who thinks that the proposal is good, surely there will be many people who would have been working on it, and the opportunity no longer belongs to us.

The article is originally published in Chinese, and is translated into English. If you think this was helpful, feel free to share it with your friends.

About Jack Ma: Jack Ma is a Chinese Internet entrepreneur. He is the Executive Chairman of Alibaba Group, a family of highly successful Internet-based businesses. He is also the first mainland Chinese entrepreneur to appear on the cover of Forbes Magazine and ranks as one of the world’s billionaires.Ma was named the Financial Times’ 2013 Person of the Year because he personifies the Chinese internet, referring to him as the “godfather of China’s scrappy entrepreneurial spirit.”.

Source : vulcanpost.com


This Graphic Lists Over 200 Resources for Making Money Online

This Graphic Lists Over 200 Resources for Making Money Online

This Graphic Lists Over 200 Resources for Making Money Online

There are tons of ways to make money online, in your spare time and maybewith very little effort. From freelancing to flipping sites, this infographic covers the major resources that can help you put more money in your bank account.

The 200+ resources compiled by SurveySpencer.com include sites where you can earn money: freelancing (as a writer, designer, programmer, etc.), recommending products (affiliate marketing and CPA or cost-per-action marketing), adding content to network sites, creating videos, and flipping your web properties.

Here’s the full graphic—note: split into two parts due to image issues. (Click the Expand button on the top left of each part to see it larger)

This Graphic Lists Over 200 Resources for Making Money Online

This Graphic Lists Over 200 Resources for Making Money Online

Perhaps this will jump start some ideas for your online money-making future. Check out Survey Spencer’s post for descriptions of each resource and type of online business.

As posted on http://lifehacker.com/


Have You Said These 6 Things About Your Credit Card Recently?


It’s the cold, hard truth: Credit cards enable people to go into debt faster than ever before.

That’s partly because it’s never been easier to get a credit card. In fact, 70% of American adults have at least one card, and the average credit card holder in America has 3.7 in their wallet. One report tells the story of a man who has nearly 1,500 valid credit cards and a line of credit that reaches $1.7 million!

A few decades ago, we didn’t have this problem. Before the 1950s, when modern credit cards were introduced, people pretty much bought just what they could pay for in cash. Fast-forward to today: Americans are facing more than $900 billion in credit card debt, and the average U.S. household with debt owes $15,355 on credit cards alone. Yikes!

While lots of people are determined to take control of their money in every otherway, they can’t seem to quit their credit cards. For those folks, credit cards are the last thing to go.

Here are some reasons behind the credit card obsession, and our proof that no reason is good enough to keep that plastic around.

1. “They’re so easy to use compared to cash.”

That’s true! They don’t require as much space in our wallets, and we don’t have to think about actual dollars in our account when we swipe. Unfortunately, that also means it’s easier to overspend.

A study by Carnegie Mellon, Stanford and MIT even showed a difference in brain activity when we use credit cards instead of cash. Using cash activates pain receptors in our brains, creating an emotional response that keeps us from making the purchase. Credit cards don’t do that, so we don’t feel the pain of spending.

Suddenly, that $2 coffee turns into a $10 mid-morning meal.

2. “They’re great in case of an emergency.”

Lots of people say they keep a credit card around “in case of an emergency.” It’s a simple fix to a stressful situation, right? But then Christmas becomes an emergency. And your takeout. And that new smartphone. Before you know it, your “emergencies” become debt.

Don’t tempt yourself. Instead of using a credit card, build up an emergency fund of 3–6 months of living expenses and rely on that the next time a true emergency happens. Then it becomes just a minor inconvenience. Crisis averted.

3. “They give us rewards, points, miles, or cash back!”

Credit card companies are marketing geniuses. With rewards systems that appeal to just about anyone, they know exactly how to tempt you to sign up. But no one ever got rich off a rewards program.

You also have to use the card a lot to earn the perks. And that just equals more spending you might otherwise have avoided if you weren’t trying to reach the next reward level. Your risk of debt has just increased. Stick to cash and spend only what you have. Eventually, you’ll see the rewards that come with building real wealth.

4. “They’re easy to pay off every month.”

Maybe. But we’ve heard more than a few stories of people who planned to pay off their balances each month but fell into a trap along the way. Little by little their spending increased until those minimum payments didn’t seem so bad. From there, their debt swelled faster than Violet Beauregarde after she chomped Willy Wonka’s chewing gum. Don’t let your debt turn into a larger-than-life blueberry.

5. “They’re necessary to build a credit score.”

A high credit score means just one thing: You’ve interacted with debt a lot. It doesnot mean that you’re winning with money. In fact, it measures nothing about your relationship with money other than how much you like to borrow. So why would you want a high credit score? Because it allows you to take on even moredebt in the future? No way, José!

You can qualify for a mortgage and rent an apartment with zero credit (which will happen eventually if you stop borrowing altogether). And for everything else—even cars—pay cash. No credit score needed. Then you can focus on building wealth instead of worshiping your FICO score. The Bible says, “The borrower is slave to the lender” (Proverbs 22:7 NIV). Don’t let your credit cards enslave you.

6. “They make our dreams reality.”

Credit cards give us opportunities that we otherwise would never have. Instant gratification, right? If our only way to those opportunities is going into debt, we might need to reexamine our hearts. That’s because overspending often signals a deeper problem. When we constantly hunger for stuff, we’re suffering from discontentment and materialism. We compare ourselves to the Joneses (who are probably in debt themselves!), and we feel shame and inadequacy when we don’t measure up.

We use credit cards to satisfy that endless desire for more, bigger, newer and nicer stuff. The problem is, as soon as the newness wears off, we’re on to the next best thing. Nothing ever satisfies.

A credit card can’t fill the emptiness in our hearts. True joy comes from a sense of contentment. A heart full of gratitude for everything we already have leaves no room for discontentment, and it leaves no place for credit cards in our lives. Our best plan is to be content in every situation.

Sometimes we don’t realize how easily credit cards can harm our finances and our hearts until we step back and really look at the root cause of our addiction to them. When we understand how dangerous they are—and the lies that we’ve been told about them—we can break up with these pesky pieces of plastic more easily.

As posted in http://www.daveramsey.com/


CNY Hongbao – Amount, Symbols and How to Give

Chinese red envelop

Red envelopes/packets are money wrapped in red paper given to kids from their parents, grandparents and others as New Year gifts. They are called hongbao in Mandarin and lai see in Cantonese. Sending red packets is a well-observed custom at Chinese New Year.

The Significance of Red Envelopes

Chinese people love the color red, and regard red as the symbol of energy, happiness and good luck. Sending red packets is a channel for sending good wishes and luck. Actually, the significance of red packets is the red paper, not the money inside. Wrapping money in red packets is hoped to bring more happiness and blessing to the receivers. Hence, it is impolite to open a red packet in front of the person who gives you.

In China, the red packet is called yasui qian (压岁钱 /yaa-sway chyen/), which means ‘suppressing ghosts money. Those who receive a red packet are wished another year negotiated safely and peacefully.

The Giving of Red Packets

Those who intend to send red packets prepare them in advance, such as after the New Year’s Feast, as when the bell of a New Year is ringing, kids begin to pay New Year visits to greet their elders, and then it is customary for the elders to give the kids their red packets immediately. Hongbao can be put under kids’ pillows by their parents if they fall asleep on the New Year’s Eve.

Who should I give a red packet to? And how much should I put in it?

Giving red packets

Traditionally speaking, if you have started earning money, it is time to start your experience of giving red packets. Giving a red packet is a way to share your blessings. Generally the amount of money wrapped in the red packets depends on your income.

Chinese red envelop

However, there is a custom that if you are not married, you need not to send red packets to others. Your close relatives (like your parents and your grandparents) would keep giving you red packets even though you are married, which is a symbolism of their love and blessings to you.

  • To your elders (especially your parents and grandparents): always $100 – $300
  • To the younger generation without income (especially those who are still at school), such as the children of your close friends, your relatives and your colleagues: always $10 – $30
  • To your own children: always $20  to the amount you happy to give
  • To your employees: always $20 – $200 (always given on the last working day before the Chinese New Year holiday)
  • To other children: Prepare some small red packets with $5 or $10 for acquaintances’ children, in case you meet them during the Chinese New Year period.

However, they are only guidelines. The true meaning shall always be a way “to share your blessing”.

Happy Chinese New Year!!


10 Interesting Facts about Chinese New Year

Chinese New Year (Spring Festival) is a major holidays in not just China but also other countries in Asia. Here are 10 interesting facts about this important and popular holiday.

1. The date varies!

The date for Chinese New Year changes each year. It always falls between January 21 and February 20, determined by the Chinese lunar calendar.

2. The holiday is oddly called “Spring Festival”.

Though in winter, Chinese call their New Year holidays ‘Spring Festival’ (春节 chūnjié /chwnn-jyeah/), because ‘Start of Spring’ (4–18 February) is the first of the terms in the traditional solar calendar. While wintry weather prevails, ‘Start of Spring’ marks the end of the coldest part of winter, when the Chinese traditionally could look forward to the beginning of spring.

3. Every Chinese New Year starts a new animal’s zodiac year.

year of the monkey
2016 is a year of the monkey

Chinese zodiac yearsA very old custom is to name the years by one of 12 animals in their zodiac cycle. For example, 2016 is a year of the Monkey. Many Chinese still believe in astrology and other New Year superstitions.

People focus on priorities: making amends, reconciling with people, avoiding offence, and re-establishing old ties. They buy and wear new clothes, give gifts, and clean house.

4. It is a festival for 1/5 of the world’s population.

It’s China’s winter vacation week, like between Christmas and New Year’s Day other countries.Schools in China get about a month off, and universities even more. China, Hong Kong and Macau, and nine other Asian countries have public holidays.

Fireworks above Victoria HarborHong Kong blazes with fireworks and lights dance on the buildings.
  • China: 1.3 billion in China get three days of public holiday.
  • Indonesia: 250 million people in Indonesia get one day of public holiday.
  • Philippines: 100 million get one day of public holiday.
  • Vietnam: 90 million people get at least three days of public holidays, but the holidays sometimes extends for an entire week by taking away weekends, as in China.
  • South Korea: 50 million people get three days of public holiday.
  • Malaysia: 30 million people get one day of public holiday.
  • North Korea: 24 million people get three days of public holiday.
  • Taiwan: 24 million people get four days of public holiday generally.
  • Brunei: One day of public holiday.
  • Singapore: Two days of public holiday.
  • Hong Kong: Three days of public holidays, extending to four days if the holidays fall on a Sunday.
  • Macau: Three days of public holiday, extending to four days if the holidays fall on a Sunday.

5. Billions of red envelopes are exchanged.

chinese new yearChinese New Year red envelopes (“hong bao”)

These red envelopes with cash are given out from older to younger, from bosses to employees, and from leaders to underlings. It is a special New Year’s bonus. Read more on how to give Chinese New Year lucky money (red envelopes)

6. It’s big in London and HK.

500 thousand people converged for Chinese New Year in London’s Chinatown, Trafalgar Square, and central London streets in 2013.

In Hong Kong, a big holiday custom is horse racing: The most popular races of all in the city happens on the third day of the Spring Festival holidays when 100,000 excited fans crowd into Sha Tin Racecourse. The spectators watch a grand opening show, a featured lion dance, and a variety of cultural performances and entertainment.

7. 4% of the world’s population are on the move.

Busy train stationA crowded Chinese train station at New Year

200 million Mainland Chinese travel long distances for these holidays, and it is estimated that there are 3.5 billion journeys in China. For comparison, less than 100 million people travel more than 50 miles during the Christmas holidays in the US according to the American Automobile Association.

Tens of millions of people travel in other countries too. In Korea, 30 million people visited their hometowns in 2013.

8. There is the world’s biggest annual fireworks usage.

No single hour in any other country sees as many tons of fireworks lighted as in China around the midnight beginning Chinese New Year. China produces about 90% of the world’s fireworks!

Fireworks are used to scare evil spirits: Most mainland Chinese believe that the flash and bang of firecrackers and fireworks scare away demons and evil ghosts.

Read more on the  Chinese New Year Firework Performance in Hong Kong>>

9. The Lantern Festival once ended 16 days of festivities.

Lanterns for the Lantern FestivalLanterns for the Lantern Festival

Traditionally, the 16 days from New Year’s Eve until the Lantern Festival each had a special celebration activity.

The Lantern Festival: In the evening of 15th day of the first lunar month, on the night of the full moon, families gather for dinner and go out and see fireworks and light lanterns. Lanterns are put up for decoration, let loose to fly, and floated in rivers.

Ice lanterns shine in Harbin: High-tech giant ones glow with beautiful colors. Thousands of traditional smaller ones are lit also.

10. “Xinnian Kuaile” means “Happy New Year”.

Xīnnián kuàilè! (新年快乐). That’s pronounced “sshin-nyen kwhy-luh”, by the way.

Touring China at Chinese New Year

Celebrate Chinese New Year like locals with China HighlightsCelebrate Chinese New Year like locals with China Highlights

High season: It is by far the busiest travel period in China. The heaviest travel periods are a few days before Chinese New Year and around 8 days after. Get your tickets as early as possible before the holidays. Check Chinese New Year dates.

Recommended China Tour Packages

Experience Chinese New Year with Local Family: To give a more authentic experience to customers, we would like to invite people who travel to Guilin during the Spring Festival (February 7–22, 2016) to visit a local family. There you can discover Chinese traditions in the special days. Please feel free to ask your travel advisor to arrange a family visit.

Source: www.chinahighlights.com


Accident Insurance, Seriously? do you need it?

Upset couple hugging

How would you keep a roof over your head if you couldn’t work due to ill health? Many of us wrongly adopt the “it-will-never-happen-to-me” mentality, but for millions of households, putting your head in the sand could have dreadful consequences. Recent research from Shelter showed that nearly four million families could not keep up with housing costs in the event of a month’s missed pay.

“There is little or no room for manoeuvre for people with stretched household budgets,” says Gillian Guy, chief executive at Citizens Advice. “Many are still feeling the effects of the recession as low wages and high costs mean people face a daily battle to make ends meet. A month without a pay cheque can easily prove disastrous.”

So how can you ensure you are properly protected should you find yourself out of work due to an accident or sickness? It is worth considering insurance such as income protection or critical illness cover. These policies can pay vital bills in the event of prolonged periods unemployment due to poor health.



According to figures from the Institute of Actuaries and insurer LV, a 30-year-old, non-smoking man is nearly twice as likely to suffer a serious illness before the age of 70 than to die. Yet despite this, just one in 10 of us have this type of financial protection in place. “Anyone with debts or dependents should consider some form of financial protection insurance,” says Tom Baigrie, chief executive of Lifesearch, the insurance brokers. “For many people affording both types of cover would be difficult, however, the products do complement each other as they cover different risks.”

Critical illness cover pays a tax-free lump sum on diagnosis of any one of a list of serious illnesses, while an income protection policy pays a monthly income if you are unable to work through sickness. “It’s really important to think about why you might be unable to work for an extended period of time,” says Phil Jeynes, spokesman for insurance provider PruProtect. “Statistically, injury or illness are the biggest causes of absenteeism and many employers stop paying sick pay after quite a short period of time.”


Most people dramatically overestimate the amount of state aid they will receive if they are taken ill. According to Lifesearch, a 30-year-old earning a salary of £35,000 would only be entitled to around £300 a month in benefits if they were to become too ill to work. However, an income protection policy from Exeter Friendly, costing £15 a month, would guarantee a monthly income of £1,400 if the person buying it opted for payouts to begin after a six-month deferral period.

When you consider figures from Aviva that show that the average length of an income protection claim is nine years and four months the sum can soon add up. Based on the Exeter Friendly policy above, this cover could be worth nearly £150,000 over the course of your claim.

Policies are priced according to your age, general health and the amount you want to receive if you have to make a claim. When calculating how much cover you need, it makes financial sense to consider all the monthly outgoings you pay every month. “As well as your mortgage, rent or loan commitments, you must include those everyday essentials such as council tax, utility bills and the weekly food shop,” says Simon Burgess, director at protection provider British Money. “If you only take out enough cover to repay a loan or mortgage, you could still end up in debt trying to meet your other commitments.”

Financial experts agree that due to society’s increasing life expectancy, it is crucial to think past traditional retirement ages when taking out a protection policy to ensure that you will be adequately covered for the duration you require.

“Given that we may all need to work much longer to be able to afford to retire, one must think beyond age 65 as a maximum term,” says wealth manager Philippa Gee. “You still need to consider just how long your working life could be and scope a product to reflect that.” Bear in mind, however, that this could increase the cost of the policy, depending on the length of cover you are after.


While these policies complement each other, they do different things and cover different risks so it is important to carefully consider both before making a purchase. If you have a heart attack, for instance, and return to work after six months, a critical illness policy would have paid the lump sum, where income protection payments would stop when you go back to work.

When it comes to taking out insurance, policyholders must be careful to disclose all previous medical conditions. Failure to report even minor conditions, tests or even a complaint made to a GP could potentially invalidate a later claim, or result in a reduced payout.

When it comes to choosing an income protection policy, consumers should look to insure their “own occupation” – claimants who are unable to do their own job – rather than any work at all because they fall ill. The good news is that this type of cover, while offering better protection, may not be more costly as it is factors such as age, smoking, occupation, length of policy and amount of cover that determines the premium.

Get the most for your premiums and opt for two single policies rather than joint cover if you are in a relationship. Despite higher premiums of roughly 10%, these two policies can pay out twice, whereas a joint policy will only ever pay out once.

Source: www.theguardian.com


Bring joy to the dinner table with these 5 simple games

The dinner table is an excellent time for families to reconnect at the end of the day — but some families miss this opportunity by getting into the habit of watching TV during dinner. We’ve got a few ideas to bring fun back to dinnertime.
Dinner time table games
Bring the fun back to the dinner table
Image source: www.pinterest.com

1 Dinner guests

Ask each person at the dinner table who they would like to invite to dinner and why. The dinner guest can be anyone from any period in time. This game can either end up being a fun way for your kids to showcase what they have learned in history, or a startling look at how much your kids know about celebrities. For an added twist, write down all of the choices and imagine them all at your table at the same time. What would they have in common?

2 Finish the story

Remember “telephone” from your childhood days? This is an updated version of that game for the dinner table. Start a story, and let each person take turns adding to it. Each person can either add one sentence, or a whole segment of the story. Start working on the conclusion as dinner is coming to an end.

3 A day in review

Each family member takes turns talking about his day, but first picks a letter that is off limits. Words beginning with that letter may not be used in the description of one’s day. The words used for substitution can make these tales an entertaining vocabulary exercise. Make sure each family member gets a chance to talk.

4 Pig

This quick and easy little game involves the throwing of dice (2 to 4). Each person at the table takes turns rolling the dice, and tries to be the first one to reach a score of 100 without rolling any ones. If a 1 is rolled, that person’s score is wiped out and must be started again. This is a great game for older kids who can add quickly, or older siblings can help the younger ones keep score as a team.

5 Who am I?

Everyone picks a famous person, without revealing their choice to the group, and then “becomes” that person. When it is your turn, you give a brief narrative on who you are, without revealing too much. You may adopt your chosen person’s mannerisms for added effect. For example if you chose Cher, you might flip your hair over your shoulder and twitch your lips. The others at the table take turns asking you interview-like questions. Your family can decide if you answer the questions simply, “yes” or “no” or if you may elaborate. The first to guess your identity wins that round.

Dinner is the perfect time to connect with your family and bring everyone closer. Try some of these games or come up with your own, and bring the fun back to dinnertime.

Originally posted on www.sheknows.com


Spark the joy and ideas in you!