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Monday, March 22, 2021
Impact of Losing DeSean Jackson
Impact of Losing DeSean Jackson
By [https://EzineArticles.com/expert/Michael_J._Burke/428205]Michael J. Burke
Eagles wide receiver DeSean Jackson had to leave the game on Sunday against the Redskins due to a concussion. He is the second key player on the Eagles offense to sustain such an injury this year. Brian Westbrook received two this year and it is unknown if he'll return again this year or ever play again. Concussions are a scary thing and something that has to be taken very seriously, especially with a player as young as Jackson. I'm sure the Eagles organization will monitor him very closely and not allow him to play unless he is truly ready. The question is how well can the Eagles offense perform without him?
Jackson has really been on a mission this year to prove to the NFL that he is an elite talent who is ready to be a big time player for a long time. Every time the ball is in his hands there is the possibility for a big play. His 35 yard touchdown reception against the Redskins on Sunday was his shortest of the year. This says a lot for a guy who has scored seven times on offense so far this year.
Don't get me wrong, Jackson does have a lot of explosive players around him on offense. However, how can the Eagles offense perform without their number one playmaker on the field? Jeremy Maclin can be an explosive big play threat but he is still a rookie and hasn't show the ability Jackson has yet. That doesn't mean he's not capable, but I think he is still learning. If Jackson is going to miss time, the other Eagles wide receivers have to step up.
The recent production of Jason Avant is promising because it is definitely going to need to continue if Jackson is out. Avant is going to make the big play by running by you like Jackson can; however, he runs well down the middle of the field and knows how to get himself open. He has made a number of big plays for the Eagles recently and is going to need to continue doing so.
Brent Celek who has been a beast for the Birds all year had a down game on Sunday against the Redskins. He had three dropped passes but it looks like this is due to torn ligaments in his hand. I would think that he will be able to play but is the hand going to continue hurting his receiving skills? Celek is a great pass catching tight end who is hard to bring down in the open field. Not having him at full force takes away from the abilities of the Eagles offense.
Now more than ever, establishing a run game is very important. They have done much better the past two games running the ball than earlier this year which is good news. This is going to need to keep up in order to take some pressure of the passing game. LeSean McCoy needs to continue running the way he has and the Eagles have to feed Leonard Weaver some more carries.
Losing DeSean Jackson is not what anybody wants, but it's not the end of the world. The Eagles can compete without him and very well may have to. [http://www.BirdsFan.com]BirdsFan.com - A Philadelphia Eagles blog
Article Source: [http://EzineArticles.com/?Impact-of-Losing-DeSean-Jackson&id=3349666] Impact of Losing DeSean Jackson
Sunday, March 21, 2021
Avoid These Six Common Life Insurance Mistakes
By [https://EzineArticles.com/expert/Dwaipayan_Bose/1976106]Dwaipayan Bose
Life insurance is one of the most important components of any individual's financial plan. However there is lot of misunderstanding about life insurance, mainly due to the way life insurance products have been sold over the years in India. We have discussed some common mistakes insurance buyers should avoid when buying insurance policies.
1. Underestimating insurance requirement: Many life insurance buyers choose their insurance covers or sum assured, based on the plans their agents want to sell and how much premium they can afford. This a wrong approach. Your insurance requirement is a function of your financial situation, and has nothing do with what products are available. Many insurance buyers use thumb rules like 10 times annual income for cover. Some financial advisers say that a cover of 10 times your annual income is adequate because it gives your family 10 years worth of income, when you are gone. But this is not always correct. Suppose, you have 20 year mortgage or home loan. How will your family pay the EMIs after 10 years, when most of the loan is still outstanding? Suppose you have very young children. Your family will run out of income, when your children need it the most, e.g. for their higher education. Insurance buyers need to consider several factors in deciding how much insurance cover is adequate for them.
� Repayment of the entire outstanding debt (e.g. home loan, car loan etc.) of the policy holder
� After debt repayment, the cover or sum assured should have surplus funds to generate enough monthly income to cover all the living expenses of the dependents of the policy holder, factoring in inflation
� After debt repayment and generating monthly income, the sum assured should also be adequate to meet future obligations of the policy holder, like children's education, marriage etc.
2. Choosing the cheapest policy: Many insurance buyers like to buy policies that are cheaper. This is another serious mistake. A cheap policy is no good, if the insurance company for some reason or another cannot fulfil the claim in the event of an untimely death. Even if the insurer fulfils the claim, if it takes a very long time to fulfil the claim it is certainly not a desirable situation for family of the insured to be in. You should look at metrics like Claims Settlement Ratio and Duration wise settlement of death claims of different life insurance companies, to select an insurer, that will honour its obligation in fulfilling your claim in a timely manner, should such an unfortunate situation arise. Data on these metrics for all the insurance companies in India is available in the IRDA annual report (on the IRDA website). You should also check claim settlement reviews online and only then choose a company that has a good track record of settling claims.
3. Treating life insurance as an investment and buying the wrong plan: The common misconception about life insurance is that, it is also as a good investment or retirement planning solution. This misconception is largely due to some insurance agents who like to sell expensive policies to earn high commissions. If you compare returns from life insurance to other investment options, it simply does not make sense as an investment. If you are a young investor with a long time horizon, equity is the best wealth creation instrument. Over a 20 year time horizon, investment in equity funds through SIP will result in a corpus that is at least three or four times the maturity amount of life insurance plan with a 20 year term, with the same investment. Life insurance should always been seen as protection for your family, in the event of an untimely death. Investment should be a completely separate consideration. Even though insurance companies sell Unit Linked Insurance Plans (ULIPs) as attractive investment products, for your own evaluation you should separate the insurance component and investment component and pay careful attention to what portion of your premium actually gets allocated to investments. In the early years of a ULIP policy, only a small amount goes to buying units.
A good financial planner will always advise you to buy term insurance plan. A term plan is the purest form of insurance and is a straightforward protection policy. The premium of term insurance plans is much less than other types of insurance plans, and it leaves the policy holders with a much larger investible surplus that they can invest in investment products like mutual funds that give much higher returns in the long term, compared to endowment or money back plans. If you are a term insurance policy holder, under some specific situations, you may opt for other types of insurance (e.g. ULIP, endowment or money back plans), in addition to your term policy, for your specific financial needs.
4. Buying insurance for the purpose of tax planning: For many years agents have inveigled their clients into buying insurance plans to save tax under Section 80C of the Income Tax Act. Investors should realize that insurance is probably the worst tax saving investment. Return from insurance plans is in the range of 5 - 6%, whereas Public Provident Fund, another 80C investment, gives close to 9% risk free and tax free returns. Equity Linked Saving Schemes, another 80C investment, gives much higher tax free returns over the long term. Further, returns from insurance plans may not be entirely tax free. If the premiums exceed 20% of sum assured, then to that extent the maturity proceeds are taxable. As discussed earlier, the most important thing to note about life insurance is that objective is to provide life cover, not to generate the best investment return.
5. Surrendering life insurance policy or withdrawing from it before maturity: This is a serious mistake and compromises the financial security of your family in the event of an unfortunate incident. Life Insurance should not be touched until the unfortunate death of the insured occurs. Some policy holders surrender their policy to meet an urgent financial need, with the hope of buying a new policy when their financial situation improves. Such policy holders need to remember two things. First, mortality is not in anyone's control. That is why we buy life insurance in the first place. Second, life insurance gets very expensive as the insurance buyer gets older. Your financial plan should provide for contingency funds to meet any unexpected urgent expense or provide liquidity for a period of time in the event of a financial distress.
6. Insurance is a one-time exercise: I am reminded of an old motorcycle advertisement on television, which had the punch line, "Fill it, shut it, forget it". Some insurance buyers have the same philosophy towards life insurance. Once they buy adequate cover in a good life insurance plan from a reputed company, they assume that their life insurance needs are taken care of forever. This is a mistake. Financial situation of insurance buyers change with time. Compare your current income with your income ten years back. Hasn't your income grown several times? Your lifestyle would also have improved significantly. If you bought a life insurance plan ten years ago based on your income back then, the sum assured will not be enough to meet your family's current lifestyle and needs, in the unfortunate event of your untimely death. Therefore you should buy an additional term plan to cover that risk. Life Insurance needs have to be re-evaluated at a regular frequency and any additional sum assured if required, should be bought.
Conclusion
Investors should avoid these common mistakes when buying insurance policies. Life insurance is one of the most important components of any individual's financial plan. Therefore, thoughtful consideration must be devoted to life insurance. Insurance buyers should exercise prudence against questionable selling practised in the life insurance industry. It is always beneficial to engage a financial planner who looks at your entire portfolio of investments and insurance on a holistic basis, so that you can take the best decision with regards to both life insurance and investments.
Article Source: [http://EzineArticles.com/?Avoid-These-Six-Common-Life-Insurance-Mistakes&id=8691522] Avoid These Six Common Life Insurance Mistakes
5 Things You Need From Your Real Estate Attorney!
By [https://EzineArticles.com/expert/Richard_Brody/492539]Richard Brody
In my, over 15 years, as a Real Estate Licensed Salesperson, in the State of New York, I have witnessed, many real estate attorneys, and, how, some, harm the process/ deal (get in the way), while others, are, extremely valuable, to the successful process! I always, suggest, one choose a lawyer, who, specializes, in real estate law, so he is familiar with as many of the potential nuances, as possible, in this transaction period! Ideally, the individual, you choose, will protect your interests, but, be part of the solution, instead of, get, in the way, of the deal, by refusing to consider options, and alternatives, to achieve the objective. With, that in mind, this article will attempt to, briefly, consider, examine, review, and discuss, 5 things, you should demand, from the individual, you hire, to represent your interests (whether, buying or selling), because, for most of us, the value of their house, represents, their single - largest, financial asset.
1. Effective listening: If, you are searching, for the right person, it makes sense, to ask for a few recommendations, from people, who have been satisfied, by theirs! Briefly, interview, a few attorneys, and observe, whether the individual, is willing to effectively listen, to you, in order to better understand your true, personal needs, etc.
2. Hand - holding: There are, often, several stresses, and challenges, during the course of the transaction period! Seek a lawyer, who is, not, only, technically, knowledgable, but, will hold - your - hand, throughout the entire, transaction process. Wouldn't you, prefer, making this period, the least, stressful, as possible?
3. Protect you, but not, get in the way: While, is in, an attorney's duty and responsibility, to protect you, and your interests, in an ethical, honest way, the person, you choose, should not, create challenges, which aren't helpful, and/ or, needed! Discuss, thoroughly, what you seek and want, how much flexibility, you are willing to take, and, looks, to achieve these things, without, screwing - up, a deal, you wish, to take!
4. Thorough explanation: There should be no question, and/ or, concern, you have, which your attorney, won't attempt, to thoroughly, answer, and explain, to your satisfaction (not, merely, his)! It should be his duty, to ensure, this process, goes, as smoothly, as possible!
5. Professionalism/ excellence: Don't accept good - enough! Demand (because you deserve, and need), the highest degree of quality, professionalism, and true, excellence!
Carefully, choose the individual, who will best serve your interests, when selecting a real estate attorney! Doing so, often, saves you time, effort, and unnecessary challenges!
Richard has owned businesses, been a COO, CEO, Director of Development, consultant, professionally run events, consulted to thousands, conducted personal development seminars, for 4 decades, and a RE Licensed Salesperson, for 15+ years. Rich has written three books and thousands of articles. Website: http://PortWashingtonLongIslandHouses.com and LIKE the Facebook page for real estate: http://facebook.com/PortWashRE
Article Source: [http://EzineArticles.com/?5-Things-You-Need-From-Your-Real-Estate-Attorney!&id=10422674] 5 Things You Need From Your Real Estate Attorney!
Saturday, March 20, 2021
Loans Guide
By [https://EzineArticles.com/expert/Bill_Stone/199517]Bill Stone
Many people are confused by the different types of loans available. Here is a helpful loans guide of the most common loans available today.
Bad Credit Personal Loan
A Bad Credit Personal Loan is a loan designed for the many people with a bad credit rating. However created, your past record of County Court Judgements, mortgage or other loan arrears can live on to deny you access to finance that other people regard as normal. If you are a home owner with equity in your property, a Bad Credit Personal Loan can bring that normality back to your life. Secured on your home, a Bad Credit Personal Loan can give you the freedom, for example, to do the home improvements or buy the new car you really wanted. With a Bad Credit Personal Loan you can borrow from £5,000 to £75,000 and up to 125% of your property value in some cases.
Bridging Loan
A bridging loan as the name implies is a loan used to "bridge" the financial gap between monies required for your new property completion prior to your existing property having been sold. Bridging loans are short term loans arranged when you need to purchase a house but are unable to arrange the mortgage for some reason, such as there is a delay in selling your existing property.
The beauty of bridging loans is that a bridging loan can be used to cover the financial gap when buying one property before the existing one is sold. A bridging loan can also be used to raise capital pending the sale of a property. Bridging loans can be arranged for any sum between £25000 to a few million pounds and can be borrowed for periods from a week to up to six months.
A bridging loan is similar to a mortgage where the amount borrowed is secured on your home but the advantage of a mortgage is that it attracts a much lower interest rate. While bridging loans are convenient the interest rates can be very high.
Business Loan
A business loan is designed for a wide range of small, medium and startup business needs including the purchase, refinance, expansion of a business, development loans or any type of commercial investment. Business loans are generally available from £50,000 to £1,000,000 at highly competitive interest rates from leading commercial loan lenders. They can offer up to 79% LTV (Loan to Valuation) with variable rates, depending on status and length of term.
They are normally offered on Freehold and long Leasehold properties with Bricks and Mortar valuations required. Legal and valuation fees are payable by the client. A business loan can be secured by all types of UK business property, commercial and residential properties.
Car Loan
The main types of car loans available are Hire Purchase and Manufacturer's schemes. Hire purchase car finance is arranged by car dealerships, and effectively means that you are hiring the car from the dealer until the final payment on the loan has been paid, when ownership of the vehicle is transferred to you.
A Manufacturers' scheme is a type of loan that is put together and advertised by the car manufacturer and can be arranged directly with them or through a local car dealership. You will not be the owner of the vehicle until you have repaid the loan in full, and the car will be repossessed if you default on repayments.
Cash Loan
Cash Loans also known as Payday Loans are arranged for people in employment who find themselves in a situation where they are short of immediate funds.
A Cash Loan can assist you in this situation with short term loans of between £80 and £400.
Loans are repayable on your next payday, although it is possible to renew your loan until subsequent paydays. To apply for a Cash Loan you must be in employment and have a bank account with a cheque book. A poor credit rating or debt history is initially not a problem.
Debt Consolidation Loan
Debt consolidation loans can give you a fresh start, allowing you to consolidate all of your loans into one - giving you one easy to manage payment, and in most cases, at a lower rate of interest.
Secured on your home debt consolidation loans can sweep away the pile of repayments to your credit and store cards, HP, loans and replace them with one, low cost, monthly payment - one calculated to be well within your means. With a Debt Consolidation Loan you can borrow from £5,000 to £75,000 and up to 125% of your property value in some cases. It can reduce BOTH your interest costs AND your monthly repayments, putting you back in control of your life.
Home Loan
A Home Loan is a loan secured on your home. You can unlock the value tied up in your property with a secured Home loan.
The loan can be used for any purpose, and is available to anyone who owns their home. Home loans can be used for any purpose such as, home improvements, new car, luxury holiday, pay of store card or credit card debt and debt consolidation.
With a Home Loan you can borrow from £5,000 to £75,000.
Home Improvement Loan
A Home Improvement Loan is a low interest loan secured on your property. With a Home Improvement Loan you can borrow from £5,000 to £75,000 with low monthly repayments. The loan can be repaid over any term between 5 and 25 years, depending on your available income and the amount of equity in the property that is to provide the security for the loan.
A Home Improvement Loan can help you with a new kitchen, bathroom, extension, loft conversion, conservatory, landscaping your garden or new furniture. You can even use it on non-house expenditure like a new car or repaying credit card or other debts.
Home Owner Loan
A Home Owner Loan is a loan secured on your home. You can unlock the value tied up in your property with a secured Home Owner loan. The loan can be used for any purpose, and is available to anyone who owns their home. Home owner loans can be used for any purpose such as, home improvements, new car, luxury holiday, pay of store card or credit card debt and debt consolidation. With a Home Owner Loan you can borrow from £5,000 to £75,000.
Payday Loan
Payday Loans also known as Cash Loans are arranged for people in employment who find themselves in a situation where they are short of immediate funds.
A Payday Loan can assist you in this situation with short term loans of between £80 and £400.
Loans are repayable on your next payday, although it is possible to renew your loan until subsequent paydays. To apply for a loan you must be in employment and have a bank account with a cheque book. A poor credit rating or debt history is initially not a problem.
Personal Loan
There are two categories of personal loans: secured personal loans and unsecured personal loans - See individual titles below. Homeowners can apply for a Secured personal loan (using their property as security), whereas tenants only have the option of an unsecured personal loan.
Remortgage Loan
A remortgage is changing your mortgage without moving your home. Remortgaging is the process of switching your mortgage to another lender that is offering a better deal than your current lender thereby saving money. A remortgage can also be used to raise additional finances by releasing equity in your property. You can borrow from £25,000 up to £500,000. Rates are variable, depending on status.
Secured Loan
A secured loan is simply a loan that uses your home as security against the loan. Secured loans are suitable for when you are trying to raise a large amount; are having difficulty getting an unsecured loan; or, have a poor credit history. Lenders can be more flexible when it comes to secured loans, making a secured loan possible when you may have been turned down for an unsecured loan. Secured loans are also worth considering if you need a new car, or need to make home improvements, or take that luxury holiday of a lifetime. You can borrow any amount from £5,000 to £75,000 and repay it over any period from 5 to 25 years. You simply select a monthly payment that fits in your current circumstances.
Secured Personal Loan
A Secured Personal Loan is simply a loan that is secured against property. Secured personal loans are suitable for when you are trying to raise a large amount; are having difficulty getting an unsecured personal loan; or, have a poor credit history. Lenders can be more flexible when it comes to Secured personal loans, making a Secured personal loan possible when you may have been turned down for an unsecured personal loan. Secured personal loans are also worth considering if you need a new car, or need to make home improvements, or take that luxury holiday of a lifetime. You can borrow any amount from £5,000 to £75,000 and repay it over any period from 5 to 25 years.
Student Loan
A student loan is way of borrowing money to help with the cost of your higher education. Applications are made through your Local Education Authority. A student loan is a way of receiving money to help with your living costs when you're in higher education. You start paying back the loan once you have finished studying, provided your income has reached a certain level.
Tenant Loan
A tenant loan is an unsecured loan granted to those that do not own their own property. A tenant loan is always unsecured because in most cases, if you are renting your accommodation, you do not have an asset against which you can secure your loan. Tenants sometimes find that some loan companies will only lend money to homeowners. If you are a tenant you need to look for a company, bank or building society willing to give you an unsecured loan.
Unsecured Loan
An unsecured loan is a personal loan where the lender has no claim on a homeowner's property should they fail to repay. Instead, the lender is relying solely on the ability of a borrower to meet their loan borrowing repayments. The amount you are able to borrow can start from as little as £500 and go up to £25,000. Because you not securing the money you are borrowing, lenders tend to limit the value of unsecured loans to £25,000.
The repayment period will range from anywhere between six months and ten years. Unsecured loans are offered by traditional financial institutions like building societies and banks but also recently by the larger supermarkets chains. An unsecured loan can be used for almost anything - a luxury holiday, a new car, a wedding, or home improvements. It is good for people who are not homeowners and cannot obtain a secured loan for example; a tenant living in rented accommodation.
Unsecured Personal Loan
An Unsecured personal loan is a personal loan where the lender has no claim on a homeowner's property should they fail to repay. Instead, the lender is relying solely on the ability of a borrower to meet their loan borrowing repayments.
The amount you are able to borrow can start from as little as £500 and go up to £25,000. The repayment period will range from anywhere between six months and ten years. An Unsecured personal loan can be used for almost anything - a luxury holiday, a new car, a wedding, or home improvements. It is good for people who are not homeowners and cannot obtain a secured loan for example; a tenant living in rented accommodation.
Bill Stone writes for Direct Online Loans who help homeowners find the best available loans via the www.directonlineloans.co.uk [http://www.directonlineloans.co.uk/] website.
Article Source: [http://EzineArticles.com/?Loans-Guide&id=1151093] Loans Guide
Best Home Appliances for Summer to make your life better
Summer is coming and many people hate summer more than any other season. What’s the main reason behind that is that people sweat a lot and face many kinds of problems related to the summer season. In many countries around the world, the summer season is really not tolerable. Countries like India and Malaysia face heat waves and high humidity during the summer season. And to survive that level of heat and temperature you need some important home appliances that will help you to live comfortably during the summer season.
The top home appliances for summer are as follows
A Good Refrigerators
If you live in a place where the temperature gets above 50°C then you have to get yourself a refrigerator that will help you to preserve your food for a longer duration of time. That level of temperature is really bad for foods and edible products. So, no matter what you need a refrigerator to store your daily meals so that you can preserve them for a longer duration of time and eat it over time. Also, as we are talking about summer you definitely need cold drinks on a day-to-day basis, right? So, you can simply buy soft drinks for yourself and put it in your refrigerator.
A good air conditioner
As we are talking about summer over here when it is obvious that you need a good hair conditioner without fail. Places like India, Malaysia, and South Africa are some of the hottest places on this planet, and these places need air conditioners to live comfortably. Wild looking for a good hair conditioner I’ll suggest you go within window air conditioner because to see our condition as our really cheap and budget-friendly and also, they are really power-efficient as well you will not only save a lot of money but also, you’ll save a lot of money on electricity as well. So, a good air conditioner is really a must-have home appliance for the summer season
Recommended article: 8 Best Window AC in India for Home (2021)
A good quality air purifier.
When the temperature rises in certain areas during the summer the germs and dust in those areas also increase and people with asthma can face a lot of problems during the summer season. so if you have a good air purifier in your room then it will be able to purify your room in the best way possible. The air purifier is able to clean the air in a room in the best way possible, it is also able to detect germs present in the air and clean it more efficiently.
A good washing machines
During the summer season, we sweat a lot and our clothes get dirty really fast as compared to the winter season and we have to clean our clothes on a daily basis. But nowadays most of the people are really busy with their day-to-day job life and we hardly get time to clean our clothes so it is really important to have a good washing machine in our house. while looking for a good washing machine I’ll suggest you go with the front load washing machine because those are the ones that come with a lot of features built-in it and also you will get an inbuilt water heater so that you can wash your clothes more efficiently.
Recommended article: 8 Best Front Load Washing Machines in India 2021
Inverter for power backup
In summer when the electricity goes off that moment is the most difficult moment for everyone because when the temperature is more than 45 degrees Celsius and the humidity is really high you start to sweat and it feels really gross and uncomfortable at that moment. So, having an inverter set up in a home will not only help you to sleep peacefully but also it will help you to not sweat when the electricity goes off.
A top-quality dishwasher
Having a dishwasher in your kitchen will not only save a lot of time in your whole day but also it will help you to clean your dishes more efficiently. A dishwasher is able to clean our plates with less amount of water which saves a lot of water on a daily basis. I’ll suggest you to go with the dishwasher that comes with a built-in water heater inside. Because that feature will help you to wash your plates in the better way possible. Also, during the summer season living in your dirty place in the kitchen sink increases the number of germs by 3 times.
Recommended article: 7 Best Dishwashers in India (2021)
Conclusion
The summer season in some places is really intense and you can hardly leave comfortably if you don’t have some important home appliances in your home so this list of best home appliances for the summer season will be really helpful for you to survive throughout the whole summer season comfortably.