Life insurance is a very necessary part of your life whether you want to consider it or not. No matter who you are, where you are, or what you’re going through life insurance must be part of your plan. You may be dreading the medical exams that follow, but luckily for you, some insurance companies leave that part out altogether.

No physical exam life insurance can be a godsend for anyone that isn’t comfortable or can’t be bothered with the medical exams, but as with everything, it comes with pros and cons.

What is no physical exam life insurance?
No physical exam life insurance is a type of policy that does not require the applicant to complete a physical exam to be able to have their application approved. This type of insurance does, however, have pros and cons. For example:

? No physical exam
? Easier application
? No more fear

? You must complete a questionnaire, if you are caught lying and you pass, your death
benefit will likely be held from the beneficiaries you’ve chosen.
? Confusion
? Opportunities to lie

So, while no physical exam life insurance can be great, the cons can fairly heavily outweigh the pros. Usually, people choose this type of insurance so that they can avoid the fear of visiting a doctor, the fear of being rejected because of pre-existing medical conditions, and also the embarrassment some feel while getting a physical exam. (more…)

If you’re just getting started on your road to investing, we would like to congratulate you. You are making a brave decision and are finally ready to make money work for you. That’s great.

Now you may have been presented with several options when it came to markets, and chances are the first two you heard of the most are the Forex and the stock exchange. Both of these options have their pros and cons, and some might be tougher to enter than others. They also require vastly different strategies to succeed. Let’s take a deeper look at both Forex investing and stocks, and help you find out which option would be the best for you.

What Kind of Investor are You?

The very first question you should ask yourself is what kind of investor you are. Because you might not even be an investor after all. If your goal is to capitalize on small movements on stocks whether they’re going up or down over a few minutes, day, weeks, or a few months, then you’re a swing or day trader, not an investor.

An investor wants to hold assets for a certain amount of time and watch them appreciate and possibly gain dividends. While you can invest in currencies and hold them, Forex is not the best instrument for that. Not to mention that there are no dividends with currency. If you want to profit playing the long game, you will either need to have a great advisor in your corner or lots of experience since predicting the trajectory of currencies over years can be extremely difficult.

If your goal is to invest for the long run and maybe even leave something to your kids, then the stock market is a great option. If you choose wisely, this is where you make the big gains and where you can make some passive income as well.

Also, know that you can’t just start day trading like that. (more…)

By Rachel Matthews

It’s no secret to anyone that 2020 has been a brutal and trying year for almost everyone. The COVID-19 situation has contributed to so many fatalities all around the globe. It has contributed to so many business issues as well. There are so many industries that have struggled due to the consequences of the virus. Despite that, there are actually a number of fields that have managed to do well amidst the taxing and frustrating circumstances.

Watch the Stocks

People who analyze stock ratings may be in the loop with industries that have done well in spite of the COVID-19 pandemic. If you assess these ratings, then you may be able to pinpoint industries that are going through dark times. You may be able to pinpoint ones that are shining all the same.

Healthy Food Companies Versus Restaurants

Owning a restaurant can be a rewarding vocational path. It’s been an incredibly difficult year for entrepreneurs who own and operate dining establishments of all kinds, however. There are many restaurants that have been able to make up for some losses by offering takeout and outdoor dining.

Many haven’t been so lucky, however. Things have been particularly difficult for eateries that are part of formerly bustling shopping plazas and malls. Shopping destinations understandably just aren’t getting as much foot traffic as they have in the past. That’s why it makes sense that shoppers aren’t stopping by to have leisurely lunches and dinners in nearby establishments. (more…)

By Charlie Brown

Covers are the best investment that you can make to ensure the longevity of your furniture. The same goes for a sofa set. Slipcovers are an essential investment for your sofas as they give a brand new look to your couches with just a little investment. You can make your worn-out furniture gain new life via a slipcover. Even the chairs at home can be protected by a slipcover to increase their lifespan.

Depending upon how you will use it, you will have to make many decisions before purchasing your slipcover. The fabric here is an important area that needs to be looked into carefully before buying your covers.

The fabric options for your slipcovers

– Cotton: It is considered as the best choice when it comes to chair and sofa cover. The fact that its light in weight, natural fabric, and machine washable makes it every buyer’s first choice. They add a casual foot to your room, are soft to touch, durable, and breathable. Cotton is a thin fabric, so you should be careful when trying to cover dark color furniture with a cotton cover. It may not hide the table completely. The fact that they are thin also makes them easy to wash and maintain.

However, they are more prone to wrinkles. (more…)