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  Finance

  Universal Life Insurance and Term Life Insurance

  While bothterm life insurance and universal life insurance are primarily designed to provide a death benefit, they differ enormously in structure, cost, flexibility and long-term benefits. Understanding these differences is crucial in deciding on the one that is most appropriate for your funding needs and total financial targets.1.Term Life Insurance:Straightforward and Cost-EffectiveTerm life insurance provides limited coverage, usually, 10 to 30 years. A death benefit will be paid out to his or her beneficiaries if the insured passes away while the policy is still in effect. But if the policyholder dies before the end of the term, the coverage ends with no benefits paid out.This straightforward nature of term life insurance, compared with more complex options, makes it appealing to those who only need temporary insurance, when their family needs protecting, paying off a mortgage, or raising children, as needed.The main advantage of term life insurance is that it is cheap. They have relatively low premiums, and thus are an affordable option for younger people or anyone on a restrictive budget when compared to permanent life insurance products, such as universal life insurance. Another reason is that most term life insurance policies are straightforward and typically have fixed premiums and a guaranteed death benefit for the entirety of the term. This financial predictability permitspolicyholders to plan their finances without fretting over fluctuating expenses.But term life insurance is not without drawbacks. Because it doesn't grow a cash component, it is simply coverage, since there'sno investment or savings element. At the end of a term, the policyholder canrenew the policy — typically at a higher premium — or buy, a new one. But for those who want coverage for life or a financial vehicle that offers both protection and savings, universal life insurance might be a better match.2.Universal Life Insurance: Costs and LongevityOne major reason to consider universal life insurance is the flexibility it provides. Policy holders may also vary payments of premium and death benefits within certain ranges, allowing policyholders the ability to fit the policy to their evolving financial situation. For instance, if a policyholder goes through a temporary financial hardship, they might be allowed to reduce their premium payments or use the cash value to pay expenses. On the other hand, when their financial conditionbecomes better, they could raise their premiums to speed up the cash value growing faster.The cash value element also allows for growth on a tax-deferred basis, so interest earned is not taxed until taken out. Especially useful for those who are seeking retirement income or an estate to pass on to their heirs, this can be a powerful tool for long-term financial planning. Moreover, universal life insurance policies typically allow you to invest the cash value in different accounts, which can sometimes lead to better returns.But that flexibilityand those benefits also have a price. Because premiums are more expensivethan term life insurance universal life insurance, making it less accessible if you're on a budget. This policy also can be complicatedand understanding how premiums impact cash value, death benefits adds up to a comprehensive picture that often requires professional help. Moreover, if not managed correctly, the cash value can disappear, and thepolicy may lapse, leaving the insured with no coverage.Ultimately, both term life and universal life has come with their own set ofpros and cons. By taking a close look at your finances and the goals for the future, you can find the right policy that best fits your needs and offers your heirs the protection they need. A financial advisor can also be useful in navigating the intricacies of life insurance so that youcan make an informed decision.
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  Travel

  Steps to Get Discounted Airfares for Seniors

  Regardless of age, traveling is something that many people love and for seniors, it can often open up new territory to explore, revisit their favorite place, or get the opportunity to see the world at a relaxed pace. But sometimes the cost of airfare becomes an obstacle to those travel dreams. Luckily, there are plenty of methods seniors can take advantage of to save money on airfares, so their travels can be enjoyablewhile still being easy on the wallet. Here are very useful tips toenable you save more from your next flight.1.Become a Member of AARP and Other GroupsJoining associations, for example, AARP (American Association of Retired Persons) is one of thesimplest ways for seniors to receive concessions. There are a number of travel benefits with AARP, including exclusive airfare offers made possible through partnerships with airlines.A nominal fee typically comes with membership, but the savings on flights morethan offsets the expense. Watch AARP’s travel page for flashsales and otherseniors-only offers.2.Use Airline LoyaltyProgramsMost airlines have loyalty programs that compensate frequent flying travelerswith points, miles,or cash discounts. As a senior, joining these programs and earning points from some occasional trips can help one save a good amount of money overtime. Some airlines also havespecial senior discounts, so it’s worth reviewing the fine print of your favorite carrier’s loyalty program forage-specific advantages.3.Book at the Right TimeAirfare is allabout timing. In general the best fares become available middle of the week (Tues or Weds) and several months ahead oftravel. During thesetimes, airlines often release promotional fares that seniors can capitalize on. Do not book during busy travel periods orholidays when rates can be sky high. Being flexible with your travel dates can alsounlock cheaper options.4.Use Travel Agencies, Websites that Specializein Senior DiscountsThere are plenty of travel agents and online sites which caterspecifically to offering seniors discounted prices. SeniorDiscounts.comand similar web sites have a great deal of information.Travelzoocan be excellent resources for deals. These platforms pull offers from different airlines,by doing this you can compare prices and choose the fittest option without going through many different airline pages.5.ExploreAlternativeAirlines and RoutesBudget airlinesand smaller carriers often aren't the first choice, but often offer the best value for money. Donot ignore these options if they service your destination.And, comparing other airports or layover pathscan yield huge savings as well. Occasionally a slightly lengthier trip can yielda considerably cheaper fare.6.Get a Dealand Ask for DiscountsFeel freeto contact airlines directly and ask about other possible senior discounts. Some airlines advertise their senior rates front and center, but others may have them available only on request. Be courteous and persistent; a single phone call might getyou a substantial discount that’s notmentioned in plain view.7.Utilize Companion FaresSenior travelers can find low-cost tickets by keying in specific keywords (such as oneof the benefits airline offer—companion tickets) in the airline website's search bar. If you are eligible for a companion fare, the price of your trip can effectively be cut inhalf. Look for such promotions that cango a long way in working wonder.To sum up, although airfare can discourage travel, older adults have a number of options to try to getreduced rates. With all above mentioned ways and methods such as understands joining the right organizations loyalty programs, closet brochure booking, travel-new-specialty-organizations, alternativetrips, negotiating, partnerships for two mates, you can get discounted airfares for seniors.
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  Health & Wellness

  Manifestations of Liver Damage

  Liver is one of the most important organ of us, it plays an essential role in detoxification, metabolism and nutrition storing. Due to the continuous and constant liver malfunction, it will lead to severe disease. Therefore, knowing the symptoms of the liver damage ahead of time is super important, so that you can get to be cured as soon as possible. Here are some early symptoms that you ought to know about liver damage.1.Fatigue and WeaknessFatigue and reduced strength is a common sign of liver damage. The liverisalso involved inenergy metabolism, turning nutrients into glucose the body metabolizes for energy. Without a well-functioning liver, this cycle is disrupted and manifests as chronic fatigue.Also, aslower detoxified liver will fill up the blood with toxins that, in turn, can lead to fatigue.2.Abdominal Pain and SwellingLiver damage can feel likediscomfort or pain in the upper right quadrant of the abdomen (where the liver is located). Depending on the level of injury, this pain would be consistent and dull orsudden and sporadic. In more severe instances, such ascirrhosis, the liver may enlarge and the abdominal area may become distended. Liver damage can also cause fluid to build up in the abdomen, a condition called ascites, making the belly swell,often painfully.3.Digestive IssuesLiver plays a vital role in digesting the fat, it will produce a kind of material which is called bile. When the production of bile decreases because of your liver damage, it will lead to the issues of digestion, such as nausea, vomiting and have no interests to eat and drink. Patients can also go through the hard times such as diarrhea or constipation, because the ability and capability of liver’s digestion in nutrients can be affected dramatically. Sometimes, an aversion to fatty foods will develop, because the body is not able to digest thesefoods well.4.Skin ChangesLiver damage can present other skin-related symptoms along with jaundice. Itchy skin (pruritus) is a prevalent issue, generally caused by the accumulation of bile salts in the circulation when the liver fails. Increased levels of estrogen can induce skin changes, such as a spider angioma which is a small red blood vessel that can be found on the skin – often on the face, chest and or arms.These are caused by heightened levels of estrogen, which the liver typically helps control.5.Bruising and BleedingWe need protein to form a blood clot and proteins are produced in the liver. The liver produces these proteins; when damaged, it produces less of them, which increases its tendency to bruise or bleed easily. Patients may observe such symptoms as frequent nose bleeds, bleeding from the gums and prolonged bleeding from small cuts. In extreme cases it can cause bleeding inside the body, which can be fatal.6.Cognitive Confusion (Hepatic Encephalopathy)From damaging the liver, which in turn can cause toxins, particularly ammonia, that the liver normally filters out, to build up in the blood. Hepatic encephalopathy is a cognitive impairment caused when these toxins reach the brain. Symptoms can include anything from mild confusion and trouble concentrating to severe disorientation and memory loss, and sometimes coma. This is more common in advanced liver disease (e.g, cirrhosis).In brief, there are a lot of manifestations when your liver is damaged, you need to find out these symptoms as soon as possible in order to get proper treatment . And if you have realized some of the symptoms mentioned above, you’d better go to see a doctor. As a matter of fact, the change of your living habits, the usage of right medicines and the necessary operations can cure your liver damage. If you keep healthy diets and do regular exercise, you can avoid liver damage of course.