The Easiest Way To Shop For Freedom Life Insurance

Choosing the right life insurance plan can be a daunting task, but it doesn’t have to be. Generally speaking, life insurance is a safety measure to protect income and pay for future obligations, such as college funds, tuition, day-to-day bills, car notes, tax bills, burial expenses, etc. What this article will do for you is break down shopping for life insurance into two manageable chunks: term and whole life insurance. By simply addressing your current financial needs and situation, you will be able to pick the option that is best for you.

Term Insurance

If you’re looking for a large death benefit with an affordable premium, then term insurance might just be what the doctor ordered. Term insurance, unlike whole life insurance, is for a specific period of time and provides a guaranteed death benefit and a predictable premium. These types of policies usually do not accumulate cash value; however, some do offer a return of premium–at the end of the policy term–for an additional monthly fee.

A perfect application for term insurance is to use it to pay off obligations that leave you financially exposed for a specific length of time, like a debt. For example, you can get a term policy called Mortgage Protection Insurance to pay off your home loan in the event of a premature death. Simply pick the policy term that coincides with the amortization schedule of your loan; i.e., 15 years, 20 years, 30 years, and, upon your demise, a tax-free death benefit will be paid to your beneficiaries.

Insurable needs often increase as one’s financial situation gets more complex over time. One way to make a purposeful insurance purchase is to get a term policy that has “guaranteed convertibility.” What this allows you to do is convert your term insurance to a permanent policy before the policy term ends. If in the interim your health situation takes a turn for the worst, you will not be required to take a medical examination to convert your policy.

Permanent Insurance

Whole life insurance builds up cash value that can be used to supplement your retirement income, or withdrawn/borrowed for emergencies (also known as a “living benefit”). Participating policies (a type of whole life insurance) issued by a mutual insurance company, pay a dividend to their policyholders that can be used to pay either part or all of their monthly premiums.

If your goal is to have a policy that has a guaranteed death benefit, fixed premiums, a savings element, and will stay in force until age 100, then going with a permanent policy is probably your best bet. Keep in mind, whole life policies are relatively more expensive than opting for a term insurance plan. However, over the long haul, whole life policies are more cost-effective than annually renewing a term policy beyond its initial plan period.

Freedom Life Insurance

One company that offers a whole suite of products is Freedom Life Insurance. This 60-year old company offers a full portfolio of products that can be tailored to your health and financial situation. What’s more, is that Freedom Life Insurance is a subsidiary of USHealth Group, which is a rock-solid, A+ rated company (as per Better Business Bureau standards). Learn more:

Luxury Living at The Aspire

Are you looking for a high-end apartment in the New Brunswick, NJ area? If so then look no further than The Aspire luxury apartment. The brain child of Boraie Development LLC, the apartment boast 17 floors of pure luxury with the added benefit of providing direct access to Manhattan and Philadelphia. There are 238 apartments for rent at The Aspire and each one is tailored to providing the very height in comfort and service. Offering both one-bedroom and two-bedroom options these studio apartment are spacious and inviting and the perfect place for the young and social. Located in the center of industrious New Jersey, there are a variety of restaurant and retail options available for anyone interested in looking for a night on the town. You won’t have to go far for a good time.
Inside each of these luxury apartments are top of the line amenities, including stainless steel appliances, quartz countertops, and glass tile backsplash. Other details include custom cabinetry, in-home washers and dryers, and some units even have terraces and balconies. Baths include porcelain tile, tub and shower and the highest-end fixtures available. Each unit is cabled for internet and television. For those cold winter months each unit includes a gas-power heating system that will help keep you warm and your bills low.
Located at 120 Albany Street Suite 305 in New Brunswick, NJ, Boraie Development LLC is a company that deals in real estate. Working with architects, financing firms, and contractors, Boraie Development LLC is dedicated to creating some of the highest-end building projects on the larger New Brunswick area. Responsible for some of the poshest building projects including The Aspire Luxury Apartment building, this company has left its mark on the real estate industry for over three decades. They are committed to transforming the face of the urban environment to better reflect the values and beliefs of a new and fresh generation.

Why Individuals Are Finding Renting In New Jersey to Be More Favorable

Boraie Development LLC is a company in the real estate industry and it is currently one of the leading players in the market. The company has built a reputation in the market for its exemplary performance in the quality of structures that it has constructed. One of the major advantage that the company enjoys include economies of scale. Boraie Development LLC is a big company that has numerous resources to compete on a global front. The company has diversified its operations in the industry to encompass all types of structures including commercial and residential buildings hence maximizing on its potential to make considerable returns.

Boraie Development LLC has identified the new market in New Jersey and being the prudent investor it is, it has several projects under its name in the area. New Jersey is slowly becoming the new area of preference for most of the people who are fixed and trapped by the rising renting rates in other cities and mostly New York. In New York for instance, the price for renting an apartment has reached an all-time high which residents deem as being highly overpriced. As such, most residents in New York are seeking refuge in New Jersey where houses are a quite cheaper compared to other big cities.

Renting a home in New Jersey comes along with different benefits. One, it is important to notice that the city is a rapidly growing economy and there are great opportunities coming up in all sectors and industries. The growing number of real estates in the area has influenced and effected growth to all other areas of the economy hence creating a good opportunity for entrepreneurs to invest in the area. Renting a house in New Jersey sets you up for a myriad of great opportunities that are imminent with the level of growth therein.

However, the overriding factor of all these is the fact that renting an apartment in New Jersey is quite cheap. This is currently due to the market’s response to the rule of demand and supply. The number of apartments in the area and others that are coming up has actually exceeded the demand for the same. Job opportunities and employments is a major benefit that residents are gaining and this should be an incentive enough to draw people to the city. Jobs create wealth and eventually the economy will be stable and sustainable. Everyone wants to live in a neighborhood where the greatest percentage is of employed individuals.

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Using Religion’s Principles to Tame Business


Joseph Bismark’s reverence for spirituality has seen him grow in business to become one of the most successful entrepreneurs in the world today. His rise to the spotlight is as a result of his efforts to find a perfect place in his life to involve spirituality. He is a strong believer in meditation and he has been practicing Buddhism for years now. Bismarck is an entrepreneur and in his talks he always references the value of spirituality in business. Basing on Bismarck’s success, it is clear that there is a connection between spirituality and business especially in the principles aspects of both disciplines. Understanding the connection allows you to become better in business.

Spiritual principles are very important and in fact they help an individual to change his or her attitude towards life. In business, attitude is everything and as the saying goes, your attitude determines your latitude. This simply means that the level of your attitude will be the level of your success. If your attitude towards life is negative and limited, so will be your level of success. Spirituality allows you to become a better person by changing your purpose in life and bringing you into a better and realistic and active life. Life issues and pressures can really wear an individual out and by seeking spiritual intervention you can actually overcome the effects of this.

There are certain disciplines that one develops when seeking spirituality that can help him greatly in the real world of business. In the real sense, spirituality has shared most of its principles to business activities and many people who have succeeded in business can attest to this fact. People who have learned to help and live their lives to help others live theirs are making tremendous progress in their businesses. In order to remain on top of your game in business, you need to have a sound mind. With the current pressures to make it in life, self and inner peace cannot be achieved unless there is a change of mind set. A person’s perspective can only be changed through spirituality hence creating a peaceful inner self.

Spirituality teaches morals and humane treatment of each other. As such, one is more likely to success in business if he or she is practicing the best moral and humane characters. In business you will not succeed if people are not satisfied and happy about your behaviors and the away you treat them. Learning to live a day a time and shunning all your selfish desires for the sake of others is one of the greatest lessons that business people can draw from religion. Religion encourages caring for each other and compassion for one another.

Spinal Surgery Centers Becoming More Popular in America

According to most back surgery clinics, back pain is very common but back surgery doesn’t usually fix the problem. Most doctors will first suggest using pain medication, muscle relaxers, anti-inflammatory medicine, applying heat, trying a nice massage and sometimes even physical therapy. If none of this seems to work for very long and the problem keeps on, especially if it is affecting you functioning, then surgery may be needed, especially if there is numbness in an your arms, legs. There can be an issue of compressed nerves in your back. This could be caused by disc problems/herniated disks caused by ruptured or bulging disks or bone spurs on your spine. This is when your doctor will need to do some x-rays to find out if you need surgery. There are different types of back surgery that your doctor may recommend.

1)Diskectomy-This is where they remove the herniated part of your disk to relieve pain, inflammation, and irritation of a nerve. They usually remove either removing part or all of the back part of the vertebra to get to the ruptured disk.

2)Laminectomy-This involves removing the bone that is laying over the spinal canal. This procedure opens a larger opening in the spine canal and relieves the pressure on the nerve.

3)Fusion-this procedure permanently fuses one or more bones with another in your spine. It could relieve the pain by making a spinal break more stable. It is sometimes done to get rid of motion that is causing pain between vertebrae from a disk that has been hurt or degenerated.

4)Artificial disks-depending on the doctor, they may insert one or more artificial disks as an alternative to fusing bones when there is pain when moving two vertebrae caused by an injured or degenerated disk. This is pretty new so most doctors won’t recommend this procedure.

North America Spine is located in North Dallas, right off of the service road of North Central Expressway and Royal Lane/Meadow Road exit, in Dallas. Each location has different hours, but the Dallas office is open seven days a week, 8:00 a.m.-12:00 p.m. The company was started in 2009, they are the doctor’s office that created and performs the AccuraScope Procedure. This procedure is a minimal invasive surgery of the spine and it only takes forty-five minutes to complete. The doctors there at North American Spine do this procedure with a tiny laser that is small, smaller than you can see that works directly on the tissue it is directed at. This procedure is for tissue issues, not bone issues.

The doctors at North American Spine are experts at spine problems; they have had training especially for Interventional Pain Management, Neurosurgery, and Orthopedic Spine Surgery. They use very small incisions and visual state-of-the-art equipment; we also do decompression and we are as least invasive as possible to treat long-term back and neck pain. We keep our patients as stable as possible to relieve their pain. As of 2015, we have helped more than 8,000 patients with our AccuraScope procedure; they have been done by doctors that are board-certified with training for these specific procedures. Research has proven that the AccuraScope procedure has a success rate of 82% and saves our patients over $23,000 in costs over a five year time frame by not having to be seen by a doctor or having to get medicines.

Purina’s Power: Beneful

The new Purina Beneful ad opens with an employee playing with his dog. That employee goes on to explain he works for Purina and that Beneful is all he feeds his dog. This sets the tone for the entire commercial. It is a montage of employees showcasing their love of their own pets, their dedication to their job at Purina and their commitment to feed their pets only Purina pet food products.

The ad is both thought-provoking and smart. It was clever to use employees in the ad who talk about how they actually make that food, and how they take pride in what they do. They also remind us they, too, feed Beneful to their own pets. It is a reminder that Beneful is being made by people who care about animals. I am sure many people have visions of grain swirling around in a gigantic machine, not kibble being carefully put together by fellow animal lovers who also feed Purina products to their pets.

Regarding ingredients, at one point in the commercial an employee is at a computer screen, making selections from an ingredients menu of sorts, and he is remarking about how he knows what goes into this food. The entire commercial reminded us that pet lovers work at Purina and are vigilant about what ingredients are used.

Ricky Gervais famously once said something to the effect that humanity will be judged by how we treat our animals. For people who have pets, they are a very much a part of the family and are treated accordingly. The feeling that we must protect them and take care of them is evident in everything we do. After watching this commercial, you feel like people who love pets as much as you do are making this food, smart advertising indeed.

For more on Beneful, check out the full article.

Bernardo Chua’s Recipe For Success

Bernardo Chua is a brilliant individual that is considered be an innovator and a man who’s success knows no bounds. He is most famous for being the CEO of Organo Gold corporation that specializes in coffee and personal care products. Bernardo Chua, coming all the way from the Philippines, founded the Organo Gold company in 2008 along with Shane Morand who is the co-founder. Coming from years of experience in marketing, he has constructed an ingenious group of people made up of expert medical consultants known as the Scientific Advisory Board to make their products high quality.

Their offices branch into both the United States and Canada. Bernardo Chua has constructed a system in which individual distributors market and sell the company’s products which results in everyone in the company earning profit. Their coffee is full of natural ingredients made up of delightful herbs that can control cholesterol making their coffee healthier than other brands. The company earns millions of dollars across the globe annually and it’s become a smashing success. Incredible; just a small glimpse into the mind of Bernardo Chua and we can see where those many of years of experience has gotten him. In fact, Bernie Chua has just recently expanded operations to Turkey.

Organo Gold has received the Napoleon Hill Gold Medal Award in Vancouver, British Columbia for showing Napoleon Hill principles. They believe they can show the world the true taste of what the earth has to offer and the incoming global appreciation of Organo Gold. Bernardo Chua will not stop until his successful Organo Gold is known worldwide as a global presence that cannot possibly be ignored. He has even reached a partnership with famous professional boxer, Manny Pacquiao, stating that Organo Gold is the next generation of direct selling and it will enter a new age of entrepreneurism. Bernardo Chua’s Organo Gold has also been awarded two People’s Choice Awards for their excellent global network marketing and the other for the best organic health coffee.

Follow Organo Gold's Bernardo Chua on Twitter
Follow Organo Gold’s Bernardo Chua on Twitter!


Just imagine that none of this would have happened if it wasn’t for the excellence and effort of Bernardo Chua. It can be safe to say that the world needs someone like Bernardo Chua leading the way of multilevel marketing for the future of economics. If you’d like further information, check out Bernie Chua’s facebook.

FreedomPop – Providing a Public Service – Unlimited Wifi Plans Starting at $5

FreedomPop is a cell phone service provider ushering in a new wave of communication that is the unlimited Wi-Fi plan. Basically smartphone and tablet users will have unlimited talk, text and data services for only $5.00 a month. This is going to talk a bite out of traditional cell phone provider’s that offer expensive LTE plans that, according to FreedomPop’s chief operating officer Steven Sesar, only account for 10 percent of subscriber’s data usage, the other 90 percent is consumed via Wi-Fi. Essentially FreedomPop is cutting out the expensive LTE service and leaving users with the more than capable Wi-Fi hotpot networks and they are passing on the savings to the customers.

This plan will benefit society by leaving more money in people’s pockets. For less than 10 percent of the average cell phone service plan, this will equate to roughly a $600 dollar a year savings on cell phone services for the individual user if they can replace their current service with that of FreedomPop. Even if subscriber’s of the “traditional” cell phone provider’s do not plan on using FreedomPop as a replacement, they can at least supplement their current service and cut out the surplus data services saving them big bucks. This is a much needed break for the average person, especially in the current economic climate.

FreedomPop subscribers will be able to access text, talk and data services off of more than 10 million hotspot locations. This is expected to be expanded to about 25 million locations in the 2nd quarter of 2015. By year end, FreedomPop plans on having more than 90 percent coverage in the top 200 major metropolitan cities.

If you’re still on the fence, you can check out a FreedomPop review or two to see what others are thinking.