What factors determine term life insurance rates

Term life insurance policies provide a limited coverage period, which is determined by the policy owner. Term life insurance rates are actually the cheapest form of life insurance, but there are different rates for different people. This is because once the term of the policy is up you don’t receive any payout from the policy. If you take out life insurance at a young age, you will get much better term life insurance rates than if you wait until you are older.

The total cost of your term life insurance rates can be tricky. Some term life insurance policies appear to cost more, but may, in fact, be cheaper when you look at the total cost of the term life insurance policy. For example, annual renewable policies increase your premiums every year and thus may appear to be more expensive than level term policies where the premiums never increase (although the initial premiums for a level term policy will be higher). But, in fact, level premium policies may involve higher costs over the policy's full term, and become particularly expensive when you try to renew your policy at the end of the term. This is why you do have to compare term life insurance quotes.

Some of the factors that influence your term life insurance rates are:

· Whether or not you smoke. Tobacco users are twice as likely to die as non﷓tobacco users while they are insured. Life insurance companies take this into account when they set their premium and cash benefits levels. You can save from 20% to 30% on premiums by quitting smoking.

· Medical Record. If you have a terminal illness, it is unlikely that any life insurance company will issue a policy. In the case of heart disease, you will get a policy but your rates will be high

· Occupation. if you work in a dangerous occupation, such as working on a ship that carries gas, this will put you into a higher bracket when it comes to getting rates for term insurance. You will have to shop around to compare term life insurance quotes if you are in this category.

Term life insurance rates vary a lot, and you can do something about your premiums by taking some decisions to become more healthy, like giving up smoking.

Storage is key for wine collections

Storage is absolutely key to the success of any wine collection. Anyone who enjoys collecting fine wines will want to look for the best available wine storage options. There are many different ways to properly store wine, but regardless of which wine storage solution is ultimately chosen it will critical to keep the storage conditions constant.

A constant temperature of constant 50-60 degrees Fahrenheit must be maintained within any wine storage space. The wine storage should be as far away from the main area of the house as possible, and there must also be plenty of ventilation in the selected area. The wine collection must not suffer too much vibration and any light sources should be kept to a minimum. Absolutely no sunlight should be permitted to reach the wine storage area.

Of course a wine cellar can be used for wine storage or a special cooler can be built. Wine racks are, predictably, a necessary part of any wine storage solution. Wine racks can be made of metal or wood, and the wine storage chosen is primarily a matter of personal taste. While both kinds of rack building material are attractive to look at, the metal racks tend to be more flamboyant and stylish while the wood racks are often considered more classic and traditional in style.

It may be preferable to choose racks in order to have them match the rest the chosen wine storage solution. These final choices will be influenced to a certain degree by whether or not the wine cellar is intended to be shown off to friends and colleagues. If it is, then the wine storage solutions will need to appear more coordinated.

Either way it's not a bad idea to look into wine racks and other wine storage options that will all look good together. This helps to create a wine storage area that looks like it belongs to a professional wine collector. It's not difficult to accomplish, but it can cost a bit of cash.

Temporary wine storage options are, customarily, a little simpler. Immediately prior to serving a wine it will probably need to be chilled, depending of course on what kind of wine it is. In order to store wine for chilling, look into cool wine storage solutions. Available in many department stores or wine stores, wine coolers are easy to find. Even the Internet is an excellent resource for finding these types of wine storage options.

E-government in china soon to be a reality

Without question, the world is a big place. However, with the constant development of information technology, the world seems to get smaller all the time.

One example is the work of China Expert Technology Inc. (OTC BB:CXTI. OB), a company that builds network infrastructure and provides e-government services for community and municipal governments in China and Hong Kong.

Analysts predict that China's e-government systems market will reach $6.6 billion this year.

Recently, China Expert was awarded contracts worth $52.2 million to build e-government infrastructure for three cities in Fujian province: Jinjiang, Nanan and Dehua, with the final project to be completed by 2006. In fact, China Expert is the only company that has been awarded such exclusive contracts in China.

These contracts allow the company to create unified e-platforms for each of the three cities.

There are some important implications in the creation of these e-government platforms. First, they enable the government to reduce red tape and become more efficient. Currently, most of the government business in China is done face-to-face or via written communication. This makes it difficult for the average person to get information in a timely manner.

A unified e-platform will allow the public to access, on one site, information for any issues or questions about local government. Users will be able to find information on topics ranging from social security and taxes to water and agriculture. Furthermore, the e-platforms will contain databases that will allow the government to administer data regarding population, geography and economics.

These sites will also lead to more Internet use by the residents of Jinjiang, Nanan and Dehua. A recent study found that currently, only 5.2 percent of government Web sites in China are frequently used. By the end of 2005, an estimated 150 million people in China - 11 percent of the population - will use the Internet. Therefore, both the government and people of China will benefit from these centralized sites.

Finally, because the e-platforms will enable the governments of these three cities to easily exchange information, they give China Expert the potential to do new e-government projects in other cities in the Fujian province.

If such platforms can be built for 150 million users in China, could the same thing be done for cities in the United States? Imagine going to one site for all your information about everything from taxes to environmental concerns. Also, governments around the world could benefit from such technology because it allows more efficient communication from one government to another, which in turn could lead to more profitable trade and other benefits.

The types of computer memory

How can a computer be such an amazing gadget? To many people they just can’t be so amazed on how computers have changed the way we live. Computers can now be found in many sizes and shapes. Almost every home appliance seems to have their own mini computer located somewhere. From cars to buildings to almost every gadget there is, most of the time each one has a computer working to make them run and change the very way we live life.

First and foremost, the most important component of the computer is its processor. It is considered the heart of the computer that does all the calculating and processing. But with all that calculating and processing, the computer won’t be such a remarkable gadget if not for its amazing memory. Computer memory makes it possible to retain important information on a computer. Such data can be used again and again and retrieved when a certain stored data is needed. Without the computer memory, the processor will have no facility where to store its important calculations and processes, thereby making them useless.

There are different types of computer memory tasked to store different types of data. They also have different capabilities and specialties when it comes to storing necessary data inside the computer. The best known computer memory is the RAM, otherwise known as Random Access Memory. It is called random access because any stored data can be accessed directly if you know the exact row and column that intersect a certain memory cell. In this type of computer memory, data can be accessed in any order. RAM’s exact opposite is called SAM or Serial Access Memory, which stores data in a series of memory cells that can only be accessed in order. It operates much like a cassette tape where you have to go through other memory cells before accessing the data that you are looking for.

Other types of computer memory include the ROM or Read Only Memory. ROM is an integrated circuit already programmed with specific data that cannot be modified or changed, hence the name “Read Only”. There is also another type of computer memory called Virtual Memory. This type of memory is a common component in most operating systems and desktops. It helps the computers RAM to be freed up with unused applications to make way for loading current applications being used. It works simply by checking for data stored in RAM not being used recently and have it stored in the computer’s hard disk, thereby freeing valuable space in RAM for loading other applications. A virtual memory will make a computer think that it has almost unlimited RAM inside it.

Another type of computer memory that has made computers process tasks faster is what is called cache memory. Cache memory works simply by having current applications, calculations and processes stored in its memory instead of directly to the main storage area. When a certain process is in need of data previously used, it first will try to access the cache memory if such data is stored there before accessing the central memory storage area. This frees up the computer from looking for the data in a larger and bigger memory storage area and makes data extraction faster. Computer memory is in a constant state of development as more and more technologies are being developed. Who knows, maybe in the near future computer memory might also be fit for human consumption.

How to build up your credit

There are many effective ways to build credit. In order to keep creditors from bothering you, and in order for you to get a loan with a reasonable interest rate, you need to learn how to build your credit. The best place to start is to not buy things that you don’t need. If you always make impulse buys, you will find yourself in deeper debt very quickly. And if you have no credit history at all, you must keep that in mind.

Building good credit if you have bad credit

If you have bad credit, consult one of the many books available written by qualified financial advisors in order to get started on the right path. You can find books like these at your local library. In these books you will find checklists and step-by-step advice that will help you turn your credit around. There are also guides available at the library that can instruct those in debt on how to write letters to their creditors. Letters are probably a more effective avenue to take rather than communicating by phone, since most creditors will not be sympathetic to your situation.

Another value of the written communication is that if you should end up in court, the written documentation will be easier to submit. Verbal commitments can be easily denied without written documentation. Any documentation that is relevant to your credit issues should be stored in a secured place. Make copies of any communication with credit agencies (both to and from you), and keep it under lock and key. If you notice any errors on your bills or credit, be sure to contact the correct agencies and dispute and resolve the charges right away.

If you have used your credit card to purchase an item or service and the item you bought was defective, you DO NOT have to make payment on the charges. You do need to dispute the charges with the service provider that sold you the product. If the proprietor does not exchange the item or reimburse you for it, you have the right to deny payment. Once you have disputed the charges with the proprietor it is then your responsibility to contact your credit card company to dispute the charge.

If you have bad credit and have a credit card, you can use the card to repay your other debts and then make monthly payments on the credit card. Ironically, you are getting out of debt while remaining in debt. In other words, if you use your credit cards to pay other debts, your debt on your credit card will continue to increase. Since credit cards charge significant interest rates, your debt will continue to increase unless you can make significant monthly payments.

No Credit, No problem?

If you think that you do not need credit at all, that is simply not the case.

In today’s world, in order to make many major purchases, it is often a requirement that you have at least one major line of credit. Most lenders will not consider lending money or give credit to someone that has no established credit history. We are expected to establish a credit history when we are young, and if we do not lenders often wonder why, which makes you look like a high risk.

They have no way of knowing your payment record, or if you are able to pay off the debt at all. There are several reasons that lenders will refuse you a loan if you have not established a credit history. The best way to establish good credit is to have a credit card, make your monthly payments on time, and keep your spending under control. Good credit means managing your money each month and paying your bills on time.

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When Online Shopping is Not Ideal

There are a number of distinct advantages to online shopping. Some of these advantages include the ability to shop at a convenient time, a potential for cost savings, the ability to shop at stores around the world and the ability to find rare collectible items. While these advantages draw many consumers to online shopping there are also some situations in which shopping online is not the best option for all consumers. This article will discuss some of these situations such as shopping for clothing online, shopping for decorative items and shopping for used items. Although some consumers may be able to shop for these types of items online there are some consumers who will always have difficulty shopping for these types of items online.

Shopping for Clothing Online

Shopping for clothing online is often difficult. This is because consumers are used to being able to try on items in traditional stores before making a purchase. The ability to try clothing items on before making a purchase is so important because it allows the consumer to evaluate the size, fit, material and color of the garment before making a decision about whether or not to make the purchase. Although some consumers may be able to make decisions about purchasing clothing items easily without trying the item on, the majority of consumers will not be able to make these decisions easily based solely on an image and a product description.

While shopping for clothing online is not always easy the upside to this type of purchase is making returns on clothing is usually a fairly simple process. Clothing is light and relatively easy to ship so as a result there is usually not a substantial cost in returning clothing items. This ease of shipping often makes consumers more likely to make clothing purchases online even though they are not sure how well the item will fit.

Shopping for Decorative Items Online

Shopping for furniture and decorative items online is another area in which consumers may wish to avoid online shopping. They may browse online retailers to get ideas about the types of products they want and the costs of these items but it many cases it is wise to make these purchases in a traditional store as opposed to an online retailer. Consider purchasing bulky pieces of furniture such as couches, beds or tables. These items can be rather expensive to ship and the cost of having these items shipped can significantly add to the overall cost of the item. Although the consumer may pay a delivery charge when purchasing furniture from a traditional store, this fee is usually considerably lower than the cost of having the item shipped. Also, consumers have the option of avoiding delivery fees if they are capable of transporting the item themselves.

Shopping for furniture and decorative items online can also be difficult because the consumer may want to see these items in person before making a decision. This is important because seeing the item in person enables the consumer to see the color, feel the texture and make any necessary measurements which will help to ensure the item is a good fit for the home.

Shopping for Used Items Online

Shopping for used items online can also be difficult. This is because the consumer may want to evaluate the item carefully for wear and functionality before making a purchase. Although the seller may provide photos and a description of the item for sale, these images and words may not fully describe the product for sale. Although this may be completely unintentional on behalf of the seller there are also situations in which the seller will attempt to misrepresent the item deliberately to deceive potential buyers. Online shoppers may find a variety of great used items for sale at excellent prices but care should always be taken with these purchases to ensure the item is described accurately. Consumers who purchase used items online are advised to ask questions and ask for additional photos of the item if necessary.

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Active Wedding Reception Games

We've all been to receptions that are standard - we welcome and celebrate the new married couple, watch them dance, and enjoy cake with them. But creative couples often enjoy coming up with fun games that include the entire guest list.

Including the guests is an excellent way to get people out of their chairs, meeting people they might not otherwise know and feeling like they are truly a part of the celebration, not just observers.

One fun and active game that can be played by all your guests, including grandma as well as the young children, is "want it now".

In this game, you designate a master of ceremonies (if you have a DJ for your wedding reception, this person can serve as the DJ). The MC will have a list of "wants" prepared before the reception. Everyone sits at their tables, and waits to hear the command. The MC says he wants a person with painted toenails. All the women with painted toenails run to the front of the room, toward the MC. Each time a table sends someone to the front first, they get a point.

Points should be tallied during the course of this game and prizes awarded at the end of the game. Be sure to have some obvious "wants", as is the painted toenails, or a man with a mustache or a child with a pink dress. But also include some surprises, like "a man with a brown purse" which will require a man to find a woman at his table with the brown purse and run up to the front of the room with that.

Another fun wedding reception game that includes all your guests is musical chairs using men as the chairs. All the men line up and kneel on one knee. The women begin playing the game of musical chairs, but when the music stops, they must find a knee to sit on. No "chairs" are removed during the version of the game, but instead people are eliminated when either the man falls down when the woman finds his knee or when the woman falls down. Both are out either way, and if both fall down, they are also both out then (as well as perhaps a bit bruised). This is a fun game that often brings on gales of laughter and adds to a relaxed reception atmosphere.

If many guests are traveling a good distance to the wedding or don't know many other guests, it's always fun to include a game that will allow them to now only get to know each other but the bride and groom as well. For this game, you'll need a MC again, which can be a very outgoing member of the wedding party or the DJ. The reception guests are broken into two groups, which can be as simple as having people count off "1, 2, 1, 2" and so on until the entire guest list is either a "1" or a "2". Then the two groups band together for the duration of the game.

The DJ, or MC, offers a series of questions relating to the bride and groom. The teams should work together to answer the questions, then as quickly as possible provide the answer. The bride and groom will confirm if the answer is correct or not. This is an excellent way for otherwise "stranger" guests to get to know one another and have some fun in the process. It's also an excellent way to get to know the bride and groom!

Organizing games at a wedding reception is a great way to get people involved and make them feel they are truly a part of the celebration. It's also a way to fill time, if the wedding planners know this isn't a "dancing" group or if you want to loosen people up for a long night of celebrating. Whether a small or large wedding, reception games work for just about any group.

In addition, don't assume wedding reception guests will be offended or annoyed by these active games. Most people report to wedding planners they truly enjoy being more active and having fun games to play during a wedding reception.

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