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Life Insurance Term Verses Whole – Is Term Life Insurance Better Than Whole Life?

11/19/2015

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Life Insurance Term Verses Whole – Is Term Life Insurance Better Than Whole Life?
There has been an on-going battle in the life insurance industry involving term life insurance and whole life insurance. The industry has survived the battle but the consumer is still asking the same question. Which one is better? The question is flawed because these two policies serve two different purposes. The real battle comes over the concept of buying term and investing the difference or the purchase of permanent life insurance. The proponents of buy term and invest the difference surmise that the policyholder would do better investing the difference in premium costs that you save by purchasing a term policy rather than a whole policy. Permanent life insurance was never created to be an investment. It was created to take care of permanent life insurance needs. The cash value accumulation within permanent life insurance is an added benefit and not an investment feature. The best life insurance portfolio is a combination of both permanent and term life insurance.

Permanent Life Insurance – Permanent life insurance should be purchased for permanent needs. Final expenses and life insurance for retirement are two basic permanent life insurance needs. Life insurance at retirement is critical because it gives you more options to use your retirement benefits for income rather than life insurance.

Term Life Insurance – Term life insurance is for temporary needs. Term life insurance will compliment your permanent base of life insurance. Decreasing term and level term riders can be added to your permanent policy to take care of temporary needs like mortgage protection and short term debt.

It is important to understand why you are purchasing life insurance. You will be much more content when you establish in your own mind the reasoning behind the purchase. Do a little mini-need analysis. Think about what is important to you and who is important to you. Life insurance is a gift of love.



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Life Insurance UK

11/19/2015

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Life Insurance UK
Life Insurance – a Small Price to Pay for Peace of Mind

We all reach the stage in life when we wonder whether we need life insurance or not. This isn’t a great decision for any of us – nobody likes to be reminded of their own mortality, after all! But, it’s a decision that comes to us all at some time or other – especially if we have a family to consider.

To be honest it’s worth while looking at taking out life insurance at virtually any stage of your life – especially as we reach adulthood and start to amass mortgages and other financial commitments. The fact is that it doesn’t really matter if we have a family to care for or not – if we have any kind of current financial commitments then we need to think about what would happen to them if we were to die out of the blue. And, you have to remember that it doesn’t matter how healthy you think you are – you could die in a car accident or get run over by a bus tomorrow!

The thing you have to consider here is what would happen to your financial commitments if you were to die unexpectedly. A lot of people don’t realise that the money they owe on stuff like loans and mortgages doesn’t necessarily pay for itself after their death – somebody will have to take responsibility for its repayment. And, in the simplest of terms you have to think about who would pay for your funeral at the end of the day.

Life insurance may be worth thinking about at this stage – it is essential, however, if you have a family to add to the equation. If you have a partner and/or kids then think about how they would cope financially if you did die and your salary died with you. This isn’t just about managing stuff like the mortgage – it’s also all about working out how they would pay for life’s necessities never mind life’s luxuries. If you protect them with a life insurance policy then they could at least cope financially during what would be a very difficult time for them.

The key thing to remember with life insurance is that it doesn’t have to cost the earth.
Life insurance policies nowadays can be taken out at minimal cost – you really could be paying just a couple of pounds a week to get the right levels of protection. To make things easier most industry experts recommend that you shop around for the best quote as the sector is extremely competitive at the moment. This is easily done – there are loads of web sites out there that can help you sift through competitive quotes so you can find the cheapest policies in just a matter of minutes, for example. This is a great way of getting the life insurance cover you need without spending too much time or money in the process.
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Life Insurance Vs Life Assurance

11/19/2015

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Life Insurance Vs Life Assurance
People spend a lot of money on complicated financial products and it is sometimes difficult to keep track of what products perform what tasks. Many people are not aware of all the financial products that are available or they only know of them vaguely. They may not know how much they cost or the potential benefits they offer. How can consumers make informed decisions on what products they would be willing to buy if they do not have this basic information? This problem can often lead to consumers buying unsuitable of overpriced products simply because they feel they should have some financial protections available but don’t have the details to make an informed choice. 

One of the common questions many consumers have is regarding the difference between insurance policies and assurance policies. Put simply, insurance policies cover the costs of an event that might happen while assurance policies will pay out on the occurrence of an event that is certain to happen. Insurance policies only last for a specific period of time. If the event occurs within that time, they pay out, otherwise they are finished. Therefore, if no claim can be made within the term of the policy, they have no remaining value. 

<b>Guaranteed Payout</b>

An assurance policy is different. Assurance policies always pay out. For example, a life assurance policy will generally pay out upon death or upon reaching the age of 65. How does this policy work? Well, they combine two elements; an insurance element, which will pay out if, the person dies early. This will then be used to pay for the funeral or support his family. But then there is another payment made every year and this is the investment portion. The insurance company invests this part of the premium on behalf of the policyholder and when they reach the age of 65, they pay this out. Life assurance policies are therefore often used both as a method of life insurance and as a method of saving for retirement. 

<b>Do You Need Money Now?</b>

If you wish to cash in the investment portion of a life assurance policy early this is generally possible. However, there will usually be hefty penalties added to this so it is unadvisable to cash in early if you don’t have to. The distinction between insurance and assurance is also becoming more blurred as more companies offer both types of policy or add features of one type of policy to their other type to make them more attractive. The distinction is still important so that you know what to ask for and know what kinds of facilities are available for insuring your life and providing for your future.


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Life Insurers Use The Body Mass Index To Tighten The Belt On Fat People

11/19/2015

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Life Insurers Use The Body Mass Index To Tighten The Belt On Fat People
Overweight people are in the firing line again. Life insurance companies are increasing premiums up to four fold for fat people. They've always charged more for those of us who over-eat, but during the last year the penalties have got worse. 

In moves to tighten the belts further, the life insurers are lowering the weight limits they use to categorise people. This tougher move means that those who are merely overweight and would have previously qualified for a standard premium, are now penalised with higher premiums – and the premium rapidly rises the more overweight they believe you are. 

Height and weight are just two of the questions you have to answer when you apply for life insurance. From them, the life company calculates your Body Mass Index and if that exceeds the limits they define as acceptable, they might ask for a doctor's report. In bigger cases they might ask you to have a medical examination. If this confirms that your weight is of concern, then you can expect your premium to be loaded by at least 50% and as much as 400% if you're really obese. Recent research shows that around 25% of applicants will experience problems getting life cover due to their weight. In extreme cases the insurer will even refuse the application. 

In an acknowledgement of normal middle age spread, the insurance companies do take your age into account when deciding your premium. They accept that people naturally tend to put weight on as they age. If you're young and overweight, however, they'll certainly hit you hard. So overweight and 38 will be hit much harder than overweight and 58. 

For example, a non smoking healthy man aged 35 asking for £150,000 level cover over 25 years will currently be quoted £18.77 by Scottish Provident but this could easily jump to £35 if he is overweight and up to £47 if he's obese. 

And obesity is certainly a growing problem. Over the last 20 years obesity in adults has rocketed with more than 60% of men and 50% of women being judged as overweight or obese. And signs are that the problem won't improve. In children aged between 2 and 15, 28% of girls and 22% of boys are overweight. 

How do you rate on the Body Mass Index? 

Calculate your own BMI. 

Note your weight in pounds and multiply it by 703. 


Divide the result by your height measured in inches 


Again divide the resulting number by your height in inches 


The result is your BMI 


The typical insurance company considers a BMI of between 18.5 and 24.9 to as normal. Above 25 classifies you as overweight. Over 30 and you're obese. 

To give you more of a fix on what this means for you, here are the BMI's for twelve famous people: 

Under weight 

Paula Radcliffe – Marathon Runner - 18.0 

Victoria Beckham – Footballers Wife - 17.0 

Jennifer Aniston – Actress - 17.5 

Normal weight 

Alan Shearer – Newcastle Footballer - 24.4 

Davina McCall – TV Presenter - 20.8 

Cilla Black – Presenter - 20.7 

Overweight 

Russell Crowe – Hollywood Actor - 25.6 

Ann Widdecombe – MP - 25.1 

Charlie Dimmock – Gardening Presenter - 26.0 

Obese 

Norman Schwarzkopf – US General - 30.5 

Michelle McManus – Presenter - 34.4 

Dawn French – Comedienne - 43.8


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Life Settlements: A Viable Option for Today’s Seniors

11/19/2015

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Life Settlements: A Viable Option for Today’s Seniors
Life settlements can be a viable option for seniors willing to exchange their life insurance policy for immediate cash. A life settlement is the sale of an existing life insurance policy for a lump sum of money. It allows policyholders to access the fair market value of their life insurance by selling their policies and receiving payments greater than the cash surrender value.

Technically, a life settlement contract allows you to sell your insurance policy to a third party in exchange for a reduced amount of the face value. This is possible because a life insurance policy is actually property, like a car, house, stocks and bonds that can be legally sold. A life settlement essentially lets you extract value today from an asset that is generally thought to only have a benefit when you die. Typically, life settlement transactions involve life insurance policies of a large face amount; “key-person” coverage or corporate-owned life insurance; or policies representing excess coverage that is no longer needed. 

Here’s how a life settlement works: When a life settlement company buys your life insurance policy, it pays you a percentage of the policy's face value. Then the life settlement company becomes the new beneficiary of the policy at maturation. As such, it is responsible for all paying all future premiums and collects the entire death benefit when the insured dies.

A Growing Industry
With a life settlement, you can receive a large sum of cash in exchange for your insurance policy while you’re still alive. This eliminates premium payments, accommodates the changing needs of your dependents and provides greater financial flexibility. 

Life settlements can also be used for charitable giving. Complex estate and tax planning strategies can apply when using life settlements in a planned giving program. But here’s how this works in simplest terms: You donate your life insurance policy to a charitable organization, which immediately sells the policy for a lump sum of cash via a life settlement. 

These and other benefits are making life settlements an attractive option for seniors with unwanted/unneeded insurance policies. Consequently, the life settlement industry has seen significant growth in recent years. A study by Conning & Co. Research found that senior citizens owned approximately $500 billion worth of life insurance in 2003, of which $100 billion was owned by seniors eligible for life settlements. Since 2003, more and more of these eligible senior clients have sold their policies and helped the market increase.

Separate research by the University of Pennsylvania's business school found that life settlement providers paid approximately $340 million to consumers for their underperforming life insurance policies, an opportunity that was not available to them just a few years before. "We estimate that life settlements, alone, generate surplus benefits in excess of $240 million annually for life insurance policyholders who have exercised their option to sell their policies at a competitive rate," according to the research. 

Selling Your Policy
You could be a prime candidate if you are of retirement age, have paid off your mortgage and other debts, and no longer require the financial protection of life insurance. The amount you receive will depend on your age, health, death benefit, and the number of years your policy has been in force.

Seniors with the greatest chance of selling their policies are those that are older than 65 years of age, have a calculated life expectancy of more than two years (but less than 10 years) and may have experienced a health change that has led to their insurance premiums increasing. Depending on the policy holder’s life expectancy, just about any type of policy can be sold, including universal life, whole life and convertible term contracts. However, policies generally must be valued at least $100,000. 

Determining whether to sell your life insurance policy is a purely personal decision. You might consider a life settlement under the following circumstances:

• Your employment status has changed. 

• You need additional funds to pay medical/long-term care expenses. 

• Your insurance premiums are too expensive and you can no longer afford them. 

• You would like to implement a charitable or family gifting plan. 

• You are facing bankruptcy. 

Consulting with an Advisor
Before you decide to sell your insurance policy, you should examine all the available options, advises the American Council of Life Insurers, a Washington D.C.- based trade group. And instead of going it alone, consult with a financial advisor who is familiar with life settlements. This could include account/CPA, lawyer (especially elder law attorney), financial/estate planner, certified senior advisor or charitable trust officers. 

Additionally, you might consider working with a broker—although your financial advisor can submit your case to the life settlement company directly. However, in an industry where market value for life insurance policies may be unfamiliar, brokers typically do the best job of getting fair market value for policies. They submit life settlement cases and bids to multiple companies, which can facilitate negotiations between high bidders.

Keep in mind that life settlement companies are essentially investors that fund many transactions each year. They hold purchased policies as portfolio assets, rather than making them available to outside investors. They also have in-house compliance departments to carefully review transactions, and they are backed by institutional funds from a major bank.

Steps to Life Settlement Transactions
Wondering what happens during life settlement transactions? Here are the steps involved in the typical transaction:

• Step 1: You consult with an advisor and decide to sell your policy. 

• Step 2: You and your advisor select a broker. 

• Step 3: The broker submits your case (and you provide a release for your medical information) to various companies. 

• Step 4: If your policy is eligible for a life settlement, providers send offers to the broker. 

• Step 5: You accept an offer and then complete the company’s closing package.

• Step 6: The life settlement company places a cash payment in escrow and submits change of ownership forms to the insurance carrier. 

• Step 7: Once the paperwork is verified, the funds are transferred to you.

 
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Life And Health Insurance

11/19/2015

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Life And Health Insurance
Buying life and health insurance products is something that many of us keep putting off for as long as we possibly can. We know that we should buy into these insurance policies but we tend to shelf the idea, preferring to live for today rather than plan for tomorrow. Rather like an ostrich sticking its head in the sand, a lot of us it seems choose to take our chances in the hope that our circumstances will never merit the use of life or health insurance. But it can be an awfully big gamble to take.

Advantages of a life and health insurance policy


As we get older we often become more susceptible to health problems, disability and poor mobility; eventually of course we will all die. Both situations are naturally very distressing for family and dependants. However, the situation can be made worse if the ill / deceased was the main income producer and there are still bills to pay. The last thing anybody wants in this situation is to have the bailiffs knocking at the door, or your home repossessed because you cannot keep up your mortgage repayments.

A life and health insurance policy combines cover for the likely and the inevitable. By opting to take out a life and health insurance policy you and your family will have peace of mind that should you become critically ill or die during the term of the policy, your family and dependants will be financially secure. There will be no worries about bailiffs or repossession orders and through the health insurance side of the policy you'll be able to select a level of quality health care to suit your needs rather than relying on treatment through the NHS. 

Cover provided by a life and health insurance policy

The cover provided by a life and health insurance policy is quite comprehensive.
On the life insurance side of the policy you will be able to choose between a term life insurance product and a reducing or decreasing life insurance product. 

Term life insurance via the policy pays out a fixed lump sum upon the death of the policyholder, providing the insurance policy is still active. A reducing term life insurance policy is a type of insurance where the amount paid out upon death reduces to zero in line with the policyholder's mortgage balance, and is suitable only as a financial instrument with which to pay off the mortgage in the event of an early death. If you want to leave your loved ones in complete financial security then a term life option on the policy is recommended.

The health insurance part of the mega insurance policy provides comprehensive health care.
It will cover you for all diagnosis, treatment and recovery costs associated with the illnesses, disability and diseases noted on the mega policy. Health insurance also means that you do not have to wait for treatment on the NHS. Instead, you will be able to select when and where you want to receive treatment, so tailoring it to your own convenience.


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Learn About Whole Life Insurance

11/19/2015

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Learn About Whole Life Insurance
Whole Life Insurance, Trends, and Staying Power 

Whole life insurance provides customers with a life insurance policy that will help their loved ones in the future, and with an investment component that will help customers and their families right away. This mixture of delayed and instant gratification has been attractive to life insurance shoppers for decades, but today’s trend in life insurance is moving away from whole life insurance packages. Once, whole life insurance policies were the standard, but today they are the exception. 

As the economy changes and the American public become increasingly savvy about money management, the full service that a whole life insurance policy provides just isn’t as necessary as it used to be. People who want a more hands on approach to investing are likely to find a whole life insurance policy too limiting. And, the amount of money that one of these policies requires each month can make it difficult to pursue other investment options, especially for middle and lower class families who are living on a budget. A lot of financial experts today feel the investment portions of whole life insurance policies do not offer customers the best return rate on their money. This provides an incentive for people to purchase term life insurance policies which do not include any investment components, and then invest their money elsewhere. 

However, there are still some advantages to purchasing a whole life insurance policy. Although the investments that an insurance company will make on your behalf may not be the most lucrative, they will almost certainly be among the most stable. Many people prefer a lower rate of return with a lower chance of loss rather than a riskier gamble. There is plenty to be said in favor of this perspective, especially when it comes to planning for the future. In addition, people who do not have the discipline or inclination to save money on their own often find the structured saving a whole life insurance policy requires to be a boon. 

If the idea of budgeting your own savings plans and spending time researching hot stock tips appeals to you, a whole life insurance policy probably won’t be to your personal taste. Of course, even if you don’t opt for this tried and true kind of policy, you can be certain that someone else will. Although today’s trends seem to foretell the end of the whole life insurance policy, there are still enough customers interested in this kind of traditional and conservative policy that insurance companies will be likely to offer this kind of coverage for many years to come.



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¿Será ud un buen padre o madre para sus hijos?

11/3/2015

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​Ser padre o madre no es tan fácil como parece. Se necesita reconocer que la persona que traemos al mundo es una persona que necesita de ayuda por varios años, además necesita de atención amor y comprensión.

Es difícil comprender cómo en la edad media se solía tratar a un niño de la misma forma que se le trataba a un adulto. Hay diferentes libros que comprueban esa teoría y diferentes autores tanto de literatura como de poesía. Hablamos de Charles Perrault, los hermanos Grimm, y otros escritores que plasmaron su cultura y sociedad desde el siglo 17 en adelante.

Hay varios libros que fueron escritos en esa época y que muestran como era el trato de los adultos con los niños, desde que edad los niños empezaban a trabajar, y como fue la evolución de la vestimenta, carácter y vida de un menor hasta nuestros tiempos.

El libro Daniel campeón del mundo "Danny Champion of the World" muestra uno de los ejemplos de libros escritos para niños que muestran el trato de su padre hacia su hijo y el mal ejemplo que se promueve hacia el acto del robo. Esa misma idea y la idea original fue escrita para adultos bajo el nombre de Campeón de mundo "Champion of the world" que después de unos años fue traducido por el mismo escritor Roald Dahl a una versión para niños.

En la versión para niños fue escrita en un lenguaje mucho mas entendible para los niños pero igual lo que ocurre es contenido para adultos y no para niños, hay escenas de venganza, robo, complicidad etc.

¿Cómo es posible que se escriba un libro en el que un padre le mal ejemplo a su hijo? Es obvio que los padre siempre quieren lo mejor para sus hijos pero en la realidad hay padres que se olvidan de esa frase y simplemente trata a sus hijos como personas ya maduras, teniendo el niños apenas 5 o mas años.

Cuando me refiero a mal ejemplo es a las cosas que hacen los padres delante de sus hijos y no se dan cuenta de los problemas que pueden causarle al niño en su infancia y además cuando ya sea grande y tome sus propias decisiones.

Si un padre, fuma en frente de sus hijos y no le importa que los afecte, si juega en un  Casino Online  todo el día, si un padre golpea a su mujer delante de los hijos, ¿qué se puede esperar de este niño cuando sea grande? Hay varias opciones, o que el niño crezca y cuando tenga a su familia haga exactamente lo mismo porque es algo que el ya vivió y le parece algo muy normal o por lo contrario que diga que el no quiere ser y actuar como su padre o simplemente ser indiferente a lo que le ocurrió cuando era niño.

Ahora padres, pónganse a pensar en qué quieren que sus hijos se conviertan cuando sean grandes. Desen cuenta que la mayoría de los niños toman sus padres como un modelo y quieren ser como ellos cuando grandes; entonces piensen un poco y cambien sus actitudes contra aquellos que toman su ejemplo a diario. O lo mejor es que antes de tener un hijo piensen bien si Uds. son un buen ejemplo para aquel ser que va a nacer y si Uds. pueden con la responsabilidad de  ser padres y criar a niños que sean personas de bien.




Article Body:
Ser padre o madre no es tan fácil como parece. Se necesita reconocer que la persona que traemos al mundo es una persona que necesita de ayuda por varios años, además necesita de atención amor y comprensión.

Es difícil comprender cómo en la edad media se solía tratar a un niño de la misma forma que se le trataba a un adulto. Hay diferentes libros que comprueban esa teoría y diferentes autores tanto de literatura como de poesía. Hablamos de Charles Perrault, los hermanos Grimm, y otros escritores que plasmaron su cultura y sociedad desde el siglo 17 en adelante.

Hay varios libros que fueron escritos en esa época y que muestran como era el trato de los adultos con los niños, desde que edad los niños empezaban a trabajar, y como fue la evolución de la vestimenta, carácter y vida de un menor hasta nuestros tiempos.

El libro Daniel campeón del mundo "Danny Champion of the World" muestra uno de los ejemplos de libros escritos para niños que muestran el trato de su padre hacia su hijo y el mal ejemplo que se promueve hacia el acto del robo. Esa misma idea y la idea original fue escrita para adultos bajo el nombre de Campeón de mundo "Champion of the world" que después de unos años fue traducido por el mismo escritor Roald Dahl a una versión para niños.

En la versión para niños fue escrita en un lenguaje mucho mas entendible para los niños pero igual lo que ocurre es contenido para adultos y no para niños, hay escenas de venganza, robo, complicidad etc.

¿Cómo es posible que se escriba un libro en el que un padre le mal ejemplo a su hijo? Es obvio que los padre siempre quieren lo mejor para sus hijos pero en la realidad hay padres que se olvidan de esa frase y simplemente trata a sus hijos como personas ya maduras, teniendo el niños apenas 5 o mas años.

Cuando me refiero a mal ejemplo es a las cosas que hacen los padres delante de sus hijos y no se dan cuenta de los problemas que pueden causarle al niño en su infancia y además cuando ya sea grande y tome sus propias decisiones.

Si un padre, fuma en frente de sus hijos y no le importa que los afecte, si juega en un  Casino Online  todo el día, si un padre golpea a su mujer delante de los hijos, ¿qué se puede esperar de este niño cuando sea grande? Hay varias opciones, o que el niño crezca y cuando tenga a su familia haga exactamente lo mismo porque es algo que el ya vivió y le parece algo muy normal o por lo contrario que diga que el no quiere ser y actuar como su padre o simplemente ser indiferente a lo que le ocurrió cuando era niño.

Ahora padres, pónganse a pensar en qué quieren que sus hijos se conviertan cuando sean grandes. Desen cuenta que la mayoría de los niños toman sus padres como un modelo y quieren ser como ellos cuando grandes; entonces piensen un poco y cambien sus actitudes contra aquellos que toman su ejemplo a diario. O lo mejor es que antes de tener un hijo piensen bien si Uds. son un buen ejemplo para aquel ser que va a nacer y si Uds. pueden con la responsabilidad de  ser padres y criar a niños que sean personas de bien.


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¿Como jugar al Backgammon

11/3/2015

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El juego de mesa backgammon es uno de los juegos mas antiguos del hombre. Se dice que las primeras variaciones del juego comenzaron en el antiguo Egipto, Area Mesopotámica y Antigua Roma. Desde entonces, el juego ha evolucionado, cambiado de nombre varias veces y dispersado a diferentes partes del mundo. Actualmente es un pasatiempo original alrededor de los Estados Unidos, Asia del Este, Europa y Medio Oriente.

Para comenzar a jugar necesitas a un compañero, dos dados y una tabla de backgammon especial. La tabla esta dividida en dos lados con divisiones numeradas de 1 a 24. Puntos 1 a 6 son la llegada, 7 a 12 la salida. 13 a 18 el punto medio.

Al comienzo del juego, cada jugador tiene dos fichas en el punto 24, 3 fichas en el punto 8, 5 en el punto 13 y 5 en el punto 6. Cada jugador tira los dados y el puntaje mas alto comienza la jugada.

El que comienza mueve las fichas de acuerdo a la posición opuesta de las agujas del reloj, desde su punto de partida para llegar al punto de partido del oponente.

El objetivo del <a href="http://www.gambling-portal.com/backgammon.html">backgammon</a> es mover tus fichas hasta llegar al punto de partida de tu adversario y luego removerlas del tablero. La velocidad del progreso del juego es determinada por los resultados de los dados.

Cada jugador tira dos dados en cada turno, y deber una o dos fichas de acuerdo al número que salio en cada dado. Puede mover una ficha sumando el puntaje de los dos dados, o mover dos. Por ejemplo, si el resultado del dado es 5 y 4, puedes mover una ficha 9 lugares o mover una 5 y luego otra 4 para adelante.

Si los dados salen dobles, un numero dos veces, puedes mover las fichas 4 veces en vez de dos. Es decir, si sale un doble 2, moverás 2 lugares cuatro veces. En ese caso puedes o mover una ficha 8 veces, 2 fichas cuatro lugares, 4 fichas  dos veces o la combinación que elijas que requiera dos lugares 4 veces.

Puedes mover una ficha a un casillero que hay solo una de tu oponente, y así la "comes". Luego, esta ficha es ubicada en la mitad del tablero, llamada el bar.

Tu oponente puede volver a jugar una vez que puedo ubicar a la ficha en algún casillero de su llegada que no este ocupado por mas de una ficha tuya. Por ejemplo, si tira los dados y sale 2 y en ese casillero no hay ninguna ficha o solo una tuya, el puede entrar y seguir sus jugadas. De lo contrario, deberá esperar a su turno y volver a intentarlo.

Una vez ubicadas todas tus fichas en el casillero de llegada de tu oponente, deberás comenzar a removerlas del tablero. Es decir, si tiras los dados y sale 1 y 2 puedes mover una ficha del casillero 1, si sale 2, puedes mover una ficha del casillero 2 y así sucesivamente.

Si tu oponente no ha removido ninguna ficha mientras que tu has removido 15, tu ganas el juego y viceversa. Lo mismo ocurre si tu has removido 15 fichas y el tiene algunas en el medio comidas, (sin aun haber removido ninguna) tu ganas el juego.

El juego es muy entretenido e inteligente que te puede acompañar en muchas ocasiones. Disfrútalo!


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¿Como Encontrar Pareja si Estas Solo o Sola

11/3/2015

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Encontrar pareja es algo no tan fácil de hacer. Todo depende en las posibilidades y opciones de cada uno. Como buscar departamento por ejemplo, requiere saber como buscar, en que sitios, en que inmobiliarias, etc.

En el caso de una pareja, es importante tener en claro a donde buscar. Los sitios en Internet se han convertido en una de las mejores opciones en los últimos años de su popularidad. Gente como vos y yo que no encuentran al amor de su vida, encuentran en sitios para conocer gente en línea muchas opciones que en la vida cotidiana no pueden o no pretenden buscar.

La ventaja principal de estos sitios es que te permiten dejar atrás muchos prejuicios que  llevamos a la hora de encontrarnos con alguien cara a cara. No te importa decir lo que piensas o enfrentar a alguien que quieres porque sabes que no pierdes nada si lo haces, solo puedes ganar.

Los sitios también son divididos en inter-grupos, es decir si eres de alguna religión o origen étnico, nacionalidad, hobbies, preferencias sexuales, etc.  Si buscas a alguien que sea como tu, en los sitios de Internet lo puedes encontrar.

Otro de los beneficios de encontrar pareja en línea, es que lo puedes hacer en cualquier momento del día, desde cualquier computadora que desees. Si no puedes dormir, y estas sin nada que hacer, sabes que hay alguien del otro lado del monitor que se encuentra igual que ti. Puede ser en tu ciudad, o en cualquier otro lugar del mundo. Es también una manera muy prometedora para abrir tu mente y conocer otras culturas fuera de la tuya.

He oído muchas historias de parejas amigas que se conocieron por Internet en sitios como JDate, Date.com, y otros. Algunos viven juntos, otros están casados y muy felices, otros por supuesto no funcionaron pero lo intentaron.

Especialmente para aquellos que trabajan hasta tarde, y no tienen tiempo de salir a bares y conoces a alguien hacerlo en línea es ideal. (Especialmente sabiendo que en bares, la mayoría de la gente busca solo encuentros cortos de una noche, y no mas que eso.)

Otra de las ventajas de estos sitios es que la mayoría de los que están alistados realmente buscan pareja y no solo una noche de diversión. Algunos buscan solo diversión, pero encontraran a otros alistados en la misma sección, sin decepcionar a los que buscan pareja. Es todo muy organizado y fácil de llevar a cabo.

Este sistema es desde ya un gran cambio para los mayores de 40, que estaban acostumbrados a otro tipo de interacción para encontrar pareja. Sin embargo, no hay duda que Internet hace este proceso mucho mas fácil y posible para muchos. Pruébalo y veras!


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    ​Davidson Calfee is the Owner and President of Operations, overseeing overall portfolio management, agency relations and new business generation.  He has a natural ability to manage complex situations and achieve outstanding results for his clients.
     
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    This blog is intended to promote local events, businesses & non-profit organizations through out our network.  


    Our mission is to promote our clients and help them connect AND build longstanding relationships with members of the local community.

    The Arthur D. Calfee Insurance Agency, Inc., is a 2nd generation, family run insurance agency with offices located in Falmouth & North Falmouth, Cape Cod, MA.  Arthur began the business in 1980 out of his house, then soon grew to serving over 3,000 people in the area.  The agency can offer various competitive Car, Home, Business, Disability & Life Insurance policies.  Over the years, the agency has built strong relationships with various insurance companies to offer the most competitive policies in the region.  They work with such companies as Arbella, Safety, Encompass, UPC, Plymouth Rock, Travelers, Preferred Mutual, CNA, Lloyds of London, Scottsdale, Lexington, & MPIUA just to name a few. 

    Davidson Calfee, President of Calfee Insurance grew up in the insurance business by working part-time in the family business.  

    He obtained his bachelor of science degree and became the Alumni Class Director at the Conrad N. Hilton College of Hotel & Restaurant Management at the University of Houston, TX.  Davidson learned quickly about flood insurance after the  2001 Tropical Storm Allison in Houston when the entire city was under water.

    After college, Davidson completed his Marketing Management Training Program at the Isle of Capri Casino Resort & Hotel located along the Gulf Coast in Biloxi, Mississippi.  Then Davidson learned more about the insurance industry when Hurricane Katrina hit the Gulf Coast in September, 2005.

    Learning from his past experiences with natural catastrophes, Davidson grew a natural passion to help his home town Cape Cod residents understand insurance and it's complexities.

    Quickly settling on Cape Cod after the Katrina, Davidson became the Founding Chairman of the Falmouth Young Professionals, President ofBNI - Team Advantage, Treasurer of the Falmouth Education Committeeand the Director of Automation with the Cape Cod Insurance Agent's Association.  In the past, Davidson has held positions such as the Ambassador to the Conrad N. Hilton College, the Falmouth Chamber of Commerce and the Canal Region Chamber of Commerce.  

    In 2012, the Falmouth Chamber of Commerce voted him on to theirBoard of Directors.  The Falmouth Community Television Stationawarded Davidson with their prestigious "Volunteer of the Year" award during their Annual Dinner for many events & special productions including The Village Green, Live Election Coverage, Young Professional Television and special government meetings, to name a few. 

    Arthur D. Calfee, Davidson's father and founder of Calfee Insurance, has 50 years of experience in the insurance industry. 

    He worked in the Boston claims office of the Boston Old Colony Insurance Company from 1960 to 1966, when he moved to Falmouth. 

    After 14 years working for a local agency, Art opened his own agency in 1980. 

    In 1988 he purchased the Everitt W. Noyes Insurance Agency in North Falmouth. 
    In 1990 he purchased the Gordon W. Bryden Insurance Agency and merged it into the North Falmouth office. 

    Today the agency's Falmouth and North Falmouth offices serve the insurance needs of more than 500 businesses and more than 3,500 individuals throughout Massachusetts and beyond.

    In 1997 Art was named the town's "Outstanding Citizen of the Year" by the Falmouth Chamber of Commerce" for many years of dedicated service, leadership and achievements that have made Falmouth and Cape Cod a very special place to live," an honor recognized by citations from the State Senate and House of Representatives.  Arthur has also received similar community awards such as the Falmouth Heritage Award. 

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    Proudly doing business in the following Cape Cod, Massachusetts towns and villages: Barnstable, Bourne, Brewster, Buzzards Bay, Centerville,
    Chatham, Cotuit, Craigville, Dennis, Eastham, Falmouth, Harwich, Hyannis, Hyannisort, Marstons Mills, Mashpee, Orleans, Osterville, Provincetown,
    Sandwich, Truro, Wellfleet, Woods Hole, Yarmouth, Yarmouthport  
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Arthur D. Calfee Insurance Agency, Inc. is a friendly local insurance agency proudly offering Massachusetts, Cape Cod and the Islands.  A-Excellent AM Best rating, A+ Excellent by the BBB
Using innovative thinking, cutting-edge tools and expert resources at national and local levels, we deliver the best possible outcome on every policy we manage.  Need Home Insurance?  Easy, Fast, & Secure Home Insurance.  Get Free Quotes 100% Online Now!  Available 24/7.  Affordable Rates.  Cover Your Biggest Investments.  Get a homeowners insurance quote, find coverage options.  We'll help you understand and customize the right home insurance coverage for you. 

​Home is where your heart is—along with a healthy chunk of your net worth. Get started today with a free homeowner's quote. 

Compare home insurance quotes today and save on protection for your biggest investment. Build a Custom Policy & Make the Switch! Our local underwriting professionals focus exclusively on finding the best home insurance, homeowner's insurance, hazard insurance, investment property insurance, flood insurance, flood zone information, vacation home insurance, second home insurance, auto insurance, collector car insurance, business insurance, general liability insurance, property insurance, professional liability insurance, contractor's liability insurance, worker's comp insurance, key man insurance, whole life insurance, term life insurance, group or personal disability, & long-term care insurance policies to patrons in the following Cape Cod, Massachusetts towns, communities and villages: Barnstable, Bourne, Pocasset, Brewster, Buzzards Bay, Centerville, Chatham, Cotuit, Craigville, Dennis, East Dennis, Eastham, Falmouth, East Falmouth, Hatchville, West Falmouth, North Falmouth, Woods Hole, Harwich, Hyannis, Hyannisport, Martha's Vineyard, Nantucket, Marstons Mills, Mashpee, Orleans, Osterville, Provincetown, Sandwich, Sagamore, Sagamore Beach, Truro, Wellfleet, Yarmouth, and Yarmouthport.  Real-Time Pricing. Insurance coverage: Wind Damage, Fire Loss, Water Damage. Protect your home and belongings. Low Rates For Your Best Options to Save Money On Great Coverage! Get a quote today. Home insurance helps protect your house and your family. 

Testimonials & Endorsements for the Best Insurance Agent on Cape Cod, MA


CAPE COD MASSACHUSETTS HOME INSURANCE

Arthur D. Calfee Insurance Agency, Inc.


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PHONE:  (800) 479-2601  CUSTOMER SUPPORT & SERVICE

Falmouth Homeport Office - 336 Gifford Street  Falmouth, MA 02540      *      North Falmouth Village Office - 121 County Road  North Falmouth, MA 02556
​Please note: The above is meant as general information to help you understand the different aspects of insurance. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provisions, limitations, or exclusions expressly stated in any insurance policy. Descriptions of all coverages and other features on this page are necessarily brief; in order to fully understand the coverages and other features of a specific insurance policy, we encourage you to read the applicable policy and/or speak to an insurance representative. Coverages and other features vary between insurers, vary by state, and are not available in all states. Whether an accident or other loss is covered is subject to the terms and conditions of the actual insurance policy or policies involved in the claim. References to average or typical premiums, amounts of losses, deductibles, costs of coverages/repair, etc., are illustrative and may not apply to your situation. We are not responsible for the content of any third-party sites linked from this page.
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Photos used under Creative Commons from Dru Bloomfield - At Home in Scottsdale, stepnout
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