Get help, advice and information on all your Finance issues. http://advice-and.info/Finance/term.htm Mon, 04 Aug 2008 15:35:57 GMT en Mutual Funds are a long term investment. Period. Nothing short-term about them, no day trading. They are meant for the serious investor that is willing to take the time needed to grow their wealth over a long period of time. Why are mutual funds like that? Well, a mutual fund is a collection of stocks, bonds or money market securities, which have been bundled together in one offering based on not only the goal, but the past performance of the individual components. They are taken as a whole, and as such, when some of the holdings in a fund rise, others may be falling, so the growth potential is not as extreme as, say, just one stock or bond. Over time though, mutual funds, can grow up to 8-9 a year, while the stock markets can gain anywhere from 10-11. There are a variety of mutual funds that an investor can hold. Some examples are Bond Mutual Funds, which are mutual funds that are comprised of bonds that are offered by a company, State or Federal Government, or Mortgage and Asset-backed bonds. Another type of mutual fund is the Stock Mutual Fund, or Equity Fund, as some have coined it. These funds are comprised of holdings in various stock companies, and as such, can be a bit riskier due to the volatility of the stock market. You can even invest in a Precious Metals Funds that invest in Gold, Silver, Platinum, Palladium, and even Rhodium. When an investor contributes to a Precious Metal Funds, they will receive a certificate that represents the holding. There are some terms associated with Mutual Funds that the investor should be aware of. The first is the Net Asset Value, or NAV, for short. The NAV is a calculation that takes the Funds total assets and minuses the total liabilities. This calculation is done daily, at the end of trading, to reflect the true value of the Fund. Another term is liquidity, which is used to describe the amount of time it takes to convert the investment to its cash equivalent with the minimal amount of fees or price discount. Mutual Funds are not kno http://advice-and.info/Finance/90493_Mutual_Funds_As_A_Long_Term_Investment.html Sat, 12 Jul 2008 15:16:19 GMT Long-term Care was introduced during the 1970s as a specialized form of nursing home insurance, Since then long term care insurance has since been expanded to cover a more diverse range of services and caters to people of any age. The large majority of people requiring long-term care are still over the age of 65 years but more and more younger people have realized the necessity to have extended health insurance. For many of the elderly, this required care is usually ongoing but long-term care insurance can also apply too much shorter-term situations such as the care needed after an accident or certain types of surgery. The purpose of Long-term care insurance is not to meet medical bills. That is the domain of mainstream health insurance providers or Medicare. LTC Insurance is expressly designed to meet the extra costs to enable you to live in your own home and continue with daily activities in a way that gives the client independence and control of their care. http://advice-and.info/Finance/85608_Why_Long_Term_Care_Insurance_Is_Essential.html Sun, 27 Apr 2008 16:06:12 GMT Starting a business is a stressful endeavor. There is so much to consider regarding basic operations and so many forms to fill out and papers to file. It is truly a wonder that businesses are able to get off the ground at all. If you are a new business owner, you know that insurance of all types is very much part of the equation in the development and opening of your business. However busy you are with the basic operations of business, you must take time out to implement a strategy to keep your business secure. To be sure, an essential ingredient to this security is taking out key person insurance (also known as Business Life Insurance). Key person term life insurance is taken out on the life of the key executive or the business owner. All firms or small businesses depend on the key people or business owner to manage and keep the business running. These head people are critical for the success of the business and therefore the insurance is actually taken out for the benefit of the business. Businesses take out the policy on the key individuals and so the business also pays for the policy premiums. The monies that are paid to the business upon the death of the key executive or business owner allows that firm or business the time to figure out what direction to take. Those left to run the business can strategize as to how they can save the business. Will they hire a new head executive? Will they restructure operations? Will they need to eventually sell off assets or sell of the business altogether? What debts need to be paid? No matter the case, the monies paid out by the term life insurance buys a business much needed time to make the impo http://advice-and.info/Finance/84538_Term_Life_Insurance_For_Business_Owners_Or_Key_Executives.html Wed, 09 Apr 2008 04:04:15 GMT If you are smoker or regular tobacco user, you know how difficult it can be trying to purchase term life insurance. The high term life insurance premiums quoted to you simply because you smoke have probably been disappointing. Since the insurance industry is always trying to accommodate specialty niches, some term life insurance companies have recently opted to offer low cost term life insurance for smokers and tobacco users. As a smoker or nicotine user, you are now eligible for 10, 15, 20 or 30 year term periods at less expensive rates. As long as you are otherwise in excellent health and are at a reasonable weight, you may purchase 250,000.00 worth of coverage for about 40 per month over a 10 year period. http://advice-and.info/Finance/84537_Low_Cost_Term_Life_Insurance_For_Smokers_And_Nicotine_Users.html Tue, 08 Apr 2008 19:14:55 GMT There are literally several hundred different online companies that are offering term life insurance that does not require a physical examination. These no medical term life insurance policies may sound appealing when you first look at them, but it is absolutely vital that you read the fine print because not all no medical life insurance plans are created equally. Some no medical exam policies require that the applicants for this type of term life insurance pay higher premiums. The applicant may even still be required to undergo a physical exam within one to five years after being qualified for the term life insurance policy. Pre Existing Medical Conditions and No Medical Life Insurance http://advice-and.info/Finance/84415_Making_Things_Easy_With_No_Medical_Term_Life_Insurance.html Mon, 07 Apr 2008 03:40:51 GMT In this article we may once again look at whole life insurance vs term life insurance. We may try to gain some clarity concerning this subject. Let us first try to define whole and term life insurance. http://advice-and.info/Finance/84295_Term_Life_Versus_Whole_Life_Insurance_Frequently_Asked_Questions.html Sun, 06 Apr 2008 03:32:48 GMT Are you thinking about shopping around for and possibly purchasing term life insurance coverage? Have you found it difficult in the past for you to determine which term life insurance coverage is best suited for your individual needs and the needs of your family? If you have answered yes to these two questions, then the best thing that you can do next in order to find the right term life insurance options is to compare term life insurance quotes online. Shopping for Term Life Insurance Quotes Online http://advice-and.info/Finance/84186_How_To_Compare_Term_Life_Insurance_Quotes.html Sun, 06 Apr 2008 03:27:47 GMT What is Short Term Medical Insurance Short term medical insurance is temporary medical insurance and is designed for people who are in between permanent health plans. Short term medical insurance in the US is available and ideal for those who are unemployed, between jobs, have just finished college and waiting for that perfect job, retired or an alternative to COBRA. There are many health insurance companies that provide this type of medical coverage. This medical insurance plan provides many insurance benefits while keeping the premiums reasonably competitive. http://advice-and.info/Finance/83452_Consider_Short_Term_Major_Medical_Insurance_In_The_Us.html Sat, 29 Mar 2008 02:43:28 GMT Here follows a basic outlay of why a whole life insurance policy could be the best choice when it comes to choosing life cover for you and your family. Just to make sure you know how life insurance works, I would like to give you some basics that coincide with both whole life insurance and term life insurance. Ideally you would know that you can request a life cover comparison chart from a life insurance coverage lawyer or broker. Using this chart you should be able to compare term life insurance rates versus whole life insurance rates. When you compare life insurance you will be choosing the best life insurance policy according to the benefits and the affordability or the amount you would like to invest in securing financial security in the event of your death. http://advice-and.info/Finance/83305_Whole_Life_Insurance_Versus_Term_Life_Insurance.html Fri, 28 Mar 2008 02:34:31 GMT Term life insurance provides a great amount of protection against the death of an individual, but only for a given period of time. This is one of the best possibilities for insurance coverage if you are simply looking for coverage on a short term basis for your family. There are a number of positive features associated with term life insurance that offer a great deal of freedom to the person who is insured, allowing them to feel more protected and to have more peace of mind. Families who are looking for insurance coverage on a short-term basis can certainly benefit from term life insurance. http://advice-and.info/Finance/82873_Five_Features_You_May_Not_Be_Familiar_With_Regarding_Term_Life_Insurance.html Wed, 26 Mar 2008 13:20:50 GMT Term life insurance is the least expensive type of life insurance, making it one of the most popularly purchased types of insurance out there. But just because term life insurance is one of your cheapest options, that does not mean you should simply purchase the first inexpensive term life insurance policy that you find without doing any kind of research beforehand. You need to choose a term life insurance company that offers the best term life insurance rating, because not all term life insurance companies are created equally and you deserve the absolute best. Insurance companies also offer a variety of different policies, including no medical term life insurance policies that do not require medical exams or interviews before coverage is granted. Here are six factors that you need to look into whenever you are researching term life insurance ratings and insurance providers - http://advice-and.info/Finance/80990_Six_Factors_To_Look_For_When_Researching_A_Term_Life_Insurance_Quote.html Tue, 11 Mar 2008 13:06:30 GMT You have almost certainly received a credit card 0 apr offer in your mailbox or email inbox. Some people apply for every 0 apr credit card that comes their way. Others opt to avoid applying for these cards altogether. What both types of people will find is that there are good offers and bad offers when it comes to 0 apr credit cards. More importantly, there are things that you can do to maximize the benefit that you get from these credit cards. The most important of these things is that you can think in the short-term about paying off any debt that you put on a 0 apr credit card. Types of 0 APR Credit Cards http://advice-and.info/Finance/80980_Think_Short_Term_With_Your_0_Apr_Credit_Card_Offer.html Sun, 09 Mar 2008 03:43:42 GMT If you constantly find yourself in situations in which you are living pay cheque to pay cheque and not making ends meet, it may be time to consider creating a short-term budget as a solution for your financial difficulties. This procedure does not need to be invasive or painful and it can be quite helpful in terms of setting things straight and helping to keep you organised as far as your finances go. Not only does it keep you on track with your finances, but it can also prevent you from getting a bad credit file, which can have many serious future implications. It can even decrease stress and help you breathe easier knowing that your cash is balanced and well taken care of by your own proper planning each month. There are several different approaches one can take to establishing a budgeting routine, but the routine you select should best reflect the known factors that you have recognized about your life and your cash situation. If you do not take your personal known factors into account, then your budget will not succeed in its desired intentions. You should approach your budget as a personal ideology and create a plan that will best benefit you specifically as opposed to establishing a budget plan that is recommended by others. Without knowledge of individual situations, it is hard to prescribe satisfactory advice. There are, however, some basic guidelines that need to be taken into consideration to ensure success. http://advice-and.info/Finance/80887_Solving_Your_Problems_With_Short_Term_Budgeting.html Fri, 07 Mar 2008 04:20:15 GMT The purpose of term life insurance is to protect a person and their family from various disasters and financial burdens. There are a variety of different types of insurance, including the most basic and the most necessary which is life insurance. Term life insurance is used to provide for your dependents if you should happen to die unexpectedly. Because there are a variety of different financial commitments that you need to make and meet throughout your life, you need to make sure that you are providing for your family even after you have died, to make sure that the home is secured, that expenses are met and that spouse and children are cared for properly. http://advice-and.info/Finance/78613_Is_Term_Life_Insurance_Part_Of_Financial_Planning.html Sat, 23 Feb 2008 17:21:02 GMT Joint term life insurance policies are for life insurance policies based on the "joint first-to-die" concept. What this means is that when a joint term life insurance policy is taken out, you are actually insuring two separate people, but the policy is paid only one time, upon the death of one policyholder or the other. Joint term life insurance is not the ideal life insurance option for everyone, but it is worth looking into if you are trying to determine which is the best option for your situation and your loved ones. Before you look at joint term life insurance quotes online, keep reading to see if you would benefit from this type of insurance or if you should try something else. There are several different instances when a couple should consider joint term life insurance quotes: http://advice-and.info/Finance/77322_What_Is_Joint_Term_Life_Insurance.html Wed, 06 Feb 2008 04:12:22 GMT