International Pursuits: 5 Tips for Transitioning Into a Global Job

1. Have a plan. It's becoming increasingly difficult to live and work in some countries, such as the UK, on a lengthy visa, so be sure you have your move planned well, Burke says. Talk to your company or professional advisers and mentors and let them know what you want from your experience working and living abroad. Do your research on visas and country guidelines, safety issues and resources.

2. Be resourceful. There are thousands of fun and free events happening every day. Visit museums, go to the flower market, or go to a music show. Research things to do via Websites, newspapers, blogs, and magazines that keep you up-to-date with the world.

3. Be humble and open-minded. Explore all you can and get to know various people and cultures. Though it's great to enjoy and have pride in your home, don't be locked into your thoughts on other cultures without first being open to learning about them.

4. Get bilingual. Wherever you go in the world, there will be a foreign language spoken among the people. Commit to learning the language for yourself and for the benefit of your career.

5. Don't constantly compare your native home with your new home. A mistake some professionals make is comparing their local work/social environment to work/social environments back home. It can be a major turn-off. Embrace what has been offered to you, influence, and be influenced.

Is This to Much? Inking For Jesus.....What One Pastor Asked His Congregation to do For Lent

By Dan Merica, CNN

(CNN)-– In a hip, artsy, area of Houston, a hip, artsy pastor is taking an unorthodox approach to Lent.

Standing in front of his congregation at Ecclesia Church, a congregation he admits is different - more diverse, more urban - than many evangelical churches - Chris Seay encouraged them to do so something he said combines the ideas of sacrifice and devotion that mark the Lenten season, the 40-day lead up to Easter.

He asked them to get tattoos. Specifically, he asked congregants to get a tattoo corresponding with one of the Stations of the Cross, the collection of images that depict scenes in Jesus’ journey to his crucifixion.

“The tendency we have as Christians is to skip past Jesus’ suffering,” Seay said in an interview. “Not only do tattoos come with a bit of suffering, they are also an art form that has not fully been embraced.”

To help with the project, Seay enlisted Scott Erickson, artist-in-residence at his church. Erickson designed 10 distinct Stations of the Cross tattoos, leaving out four stations that Seay said changed in context when you are asking someone to get something permanently drawn on their body.

The Stations of the Cross depict Jesus from his condemnation to the Resurrection.
The church is now displaying photographs of the tattoos in the church’s art gallery, in an exhibition called “Cruciformity: Stations on the Skin.”

Initially, Seay has hoped that enough people – 10– would sign up to fill each station of the cross. But his expectations were far exceeded.

Seay says that more than 50 people are now brandishing one of Erickson’s designs on their bodies.

Guadeloupe Rodriguez is among them. When Seay pitched the tattoo idea from the pulpit, Rodriguez’s wife squeezed his hand. “That is what you have been waiting for,” she said.
“I fell into some hard times in my past, hanging out with the wrong crowd … got into some pretty tough drugs,” said Rodriguez, who says he found Jesus at Ecclesia. “My aunt, though, on her deathbed, said to me, ‘You only have one God, one mom and one dad – you need to be straightening up for all three of them.”

Because of that experience, Rodriguez had the churches 10th station image, the resurrection, tattooed to his body. He felt that the two birds holding a suspended banner that read, “Rise Again,” perfectly fit his personal story.

“From the day my aunt said that to me, I relied on the Lord a lot to guide me in the right direction,” Rodriguez said. “I am where I am now because of God.”

Another member of Ecclesia, Joyce O’Connor, channeled her family when she was deciding what station of the cross to get tattooed onto her body. O’Connor, who has one biological child and two stepchildren, connected with the fourth station, Jesus meeting his mother.
“I am a mother and in just a minuscule way can relate to how Mary must have felt,” O’Conner said.

“The tattoo captured me and I love it,” she continued. “When I think of that image, I don’t feel tragedy or sadness because I know how the story ends and it makes me smile.”
This was O’Connor’s first “tat,” and she said this project has exemplified why she came to Ecclesia in the first place - acceptance, out-of-the-box thinking, diversity.

Margaret Feinberg, an evangelical Christian author, spoke at the gallery opening. She said she was taken by the “beautiful blend of art and flesh.”

“I remember standing in a small booth on an upper landing looking at everyone in the room,” Feinberg wrote in an e-mail. People “from every walk of life - exploring and celebrating this time of Lent - the scene took my breath away.”

According to Seay, such experiences deem the project a success. He admits to spending a lot of time dissuading individual congregants from getting tattoos after he announced the idea. People have to “know it is what they are supposed to do,” he said.

The design Seay choose for himself, the resurrection, which shows a tree growing from a coffin, like Rodriguez’s. On Seay’s tattoo, however, the initials of people he loves fill the tree’s leaves and his nickname for his grandfather – Papa – is carved into its stump.

Seay lost his grandfather, Robert Baldwin, last year. Baldwin had been a pastor in the Houston area for 60 years and Seay considered him his mentor. Though Seay still misses him desperately, the tattoo reminds him of a simple biblical message.
“Death,” he says, “comes from life.”

110-Year Old Man Shares Secrets To A Long Life [VIDEO]

posted by praisedc.com

The legendary “Fountain of Youth” is known to restore youth to anyone who drinks from it.

Bernando LaPallo hasn’t quite drunk from this fountain, but he does have a few secrets that has helped him live to see 110 years.

ABC15.com covers this video below:

7 Types Of Women Every Man Should Date....PT. 1

I am going to give men a starting point for the types of women I feel are a good consideration to date. We, as men, know the goal is to have a woman we can love, cherish, hold, and make our wife. Of course what I am about to list is no guarantee of a good woman, but should be used as a foundational guide of what she can look like emotionally, spiritually, mentally, and personality-wise.

Here are 7 types of women every man should date:

1. Submitted to GodIf a woman is submitted to and passionate about living for God, she will be the same to you, assuming you’re a man submitted to God. There is something special about a woman who truly serves God.

2. A Selfless WomanA selfless woman will understand the importance of working together, sharing, devotion, and commitment for the right reasons. Her motives will be to help make life a little better for you. She will understand that dying to self doesn’t mean she does not love herself.

3. A Simple and Low Maintenance WomanA low maintenance woman tends to be focused on the truly important things in life. I’ve found them to be non-clingy, very rational, and supportive. She won’t care about how much money you have or don’t have. She will like you for who you are and is not looking for what you can do for her. She accepts you freely because she is comfortable in who she is. She is more about becoming a better woman than just appearing to be a good woman.

4. A Woman Who Can Truly Be Your Best FriendFriendship before love is always best before a serious relationship.

5. Emotionally StableThis type of woman understands God gave her emotions and instincts to give man balance. She understands emotions are never used as a decision making tool, because emotions can lead you outside of the will of God. The devil drives us off a cliff using emotions and God gently leads us with wisdom. A good book to read about emotions is “Living Beyond Your Feelings By Joyce Meyer

6. A Loyal and Patient WomanShe is with you through the good and the bad. She’s there if you’re rich; she’s there if you’re poor (if you have 2 cents, 2 dollars, or 2 million dollars… makes no difference). She is right there cheering you on and helping you to be great. She will not be looking for other men, because all of her attention is with you. She will uplift, support and encourage you.

7. A Woman with CharacterThis should go without saying, but I will add this (and this type should really be the first thing you consider for any woman). She must be of a woman of good character. Without character, it will be difficult to even build a strong friendship. Character is what we do when other people are not looking, but God always knows what we are doing (e.g. A woman who will still entertain men, giving out her number to other men, etc… is not serious about a courtship leading to marriage and it speaks to her character). How she will honor and respect the relationship as you grow together when you are not around speaks volumes about her character.

Depression: The African American Community’s Dirty Little Secret

Often undiagnosed or ignored, depression afflicts millions. Experts share advice on noticing the signs and confronting the problem: by Tomika Anderson

Like many of the estimated 19 million Americans suffering from some form of depression, Shanice Watson didn’t realize the crippling mental disorder had grabbed a hold of her until her world began falling apart. Once a six-figure corporate executive with an apartment in the heart of New York City, Watson has had to get by on mostly unemployment insurance since she found herself jobless in the wake of Wall Street’s collapse two years ago—her savings, IRA funds and other rainy-day accounts all but dried up.

Unable to continue paying rent on her nearly $2,000 a month one-bedroom apartment in midtown Manhattan, the 31-year-old now shares a place in Harlem with two roommates, something she has not done since her college days. “It’s been humbling,” she says.
Two weeks ago her boyfriend bowed out of their relationship, fractured, in part, by financial hardship. When he left, Watson couldn’t leave her bed—the latest hit in a domino effect of devastation that had become her life.

“There are days I don’t leave the house,” admits Watson, whose deep general malaise is compounded by Seasonal Affective Disorder, a type of depression that strikes her each year at the start of winter. She’s lost 10 pounds in the past year and a half and has started smoking again after kicking the habit for several months. She says she “drinks more than usual” and rarely frequents her favorite nightspots. Relationships with her girls have become strained because they don’t understand why their normally confident, upbeat friend doesn’t seek the help of a therapist or take antidepressants to diffuse the funk. But Dr. Elisa English—a mental health professional with a private practice in New York City—does.

Dr. English fights the stereotypes of depression in Black community:

“First, there’s the obvious—if you’re unemployed it’s very likely you feel you don’t have the health insurance necessary to help pay for these services,” says English, who reports more than half of her clients are unemployed or otherwise struggling financially. “Then, there’s the less obvious: Black people tend to have a lot of fears around medication. [This is the] residual effect of devastating studies like the Tuskegee syphilis experiment, [a clinical study conducted on almost 400 unsuspecting Black men in Alabama to study the natural progression of the untreated STD]. We don’t trust White folks to medicate us unless it’s for something [tangible like] hypertension or diabetes, and many of us don’t trust White people, period—particularly around the issue of mental illness.”

And with White clinicians dominating the therapeutic community—English estimates less than two percent of all social workers and psychiatrists are African-American, out of 40 million—it’s no wonder more Black people aren’t opting to sit on a therapist’s couch. Still, English and public relations maven Terrie Williams, author of Black Pain: It Just Looks Like We’re Not Hurting, insists neither money nor a potential therapist’s skin color should ever be a deterrent to getting the help you need.

“There are actually a considerable number of free services for high-risk groups like [school-age] children and women, ages 20-40, particularly in major cities,” explains English. (Men are less likely to seek help for their depression, she says, so there’s less data—and consequently—specialized services for them.) “For example, in New York City [you] can contact the Department of Mental Health and Hygiene to get screened for depression and to get help in [learning how to manage it].”

Williams, also a licensed clinical social worker who was diagnosed with depression herself in 2004, insists that a good mental health professional—Black or White—is better than none at all. “You can have a Black therapist who may not understand you as well as a White one,” she says, warning against stereotyping. “I once sent a gang member to speak to Dr. David Grand—a White therapist I love—and after he talked to David he cried… he had a total breakthrough,” she says. “David helped him understand he wasn’t crazy—he was just suffering from PTSD [post-traumatic stress disorder]. It’s not just the veterans, you know—we’re at war in our streets every day.”

This warfare, Williams says, is often internal and historical: the result of unresolved childhood trauma around poverty, fatherlessness and other common “community” ills, manifesting in violence, crime, drug and alcohol abuse, eating disorders, workaholism and shopping, gambling and sex addictions. “We do not mourn that our daddies are not in our lives,” says Williams of the estimated 92% of Black households run by single mothers. She says millions of Black people are depressed over this critical issue and others, not realizing it. “Children experience this as the ultimate rejection and no one ever explains to them where that empty feeling comes from. If you’ve never talked about it, mourned it or even acknowledged it, how do you work through it?”

Many Black men often deal with depression quietly
That is why the celebrity P.R. rep, who says she keeps a bottle of the antidepressant medicine Clonazepam handy for when the blues hits, is a huge advocate of “talk therapy.” This, in spite of the argument Williams gets from many Black folks—particularly those in the church—who insist God is the only one who can take away their pain. “I tell them it was God who led me to the right psychiatrist,” she says. “He puts angels in our lives to help us do what we’re called to do.”
Williams encourages anyone suffering from an inability to sleep, eat, or enjoy their favorite activities for more than a couple of weeks to put aside any fears of being labeled “weak” and seek professional help. Being physically fit and working out can prove beneficial in building mental fortitude as well.

“People sometimes think I am a little overzealous about life-coaching, therapy and counseling,” she says, “but I think it’s essential for us to say it out loud, ‘I hurt.’ It’s so incredibly freeing. It’s not just the unresolved childhood trauma pain, either—it’s the stuff that happens to us on a day-to-day basis. The stuff you don’t recognize is hurting you until you sit down and talk about it. Write in a journal, talk to a friend, call a hotline—do anything you have to do, just give voice to it. Only then will the pain start to go away.”

Need help? There are several resources that can assist you:

Online depression resources

National Institute of Mental Health

National Suicide Prevention Hotline: 1-800-273-8255

Will Michael Jackson Case End Celebrity Pill Shopping?

Written by Oretha Winston on November 30, 2011 5:00 pm

Conrad Murray’s conviction of  killing Michael Jackson will change medicine in Hollywood. Michael Jackson’s personal doctor received the maximum punishment in the pop singer’s death but not before a scolding from the judge for violating his Hippocratic oath and engaging in “money-for-medicine madness.”

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Despite Judge Michael Pastor’s sharp rebuke of Dr. Conrad Murray, medical ethics and legal experts say the outcome is unlikely to dramatically change the culture of celebrity medicine.

There are doctors who will apply the same standard of care to their high-profile patients as the non-famous. Those starstruck will be more likely to cave to patients’ demands, overlook their bad habits and operate out of bounds.

“These doctors are ego-crazed and money dependent,” said Dr. Steven Miles of the Center for Bioethics at the University of Minnesota Medical School. Miles said it’s dangerous when a doctor enters into an exclusive relationship with a patient especially if the person is rich and famous. “It’s the kind of environment where the normal checks and balances are very difficult to apply,” he said. Jackson’s death and other recent celebrity drug-related deaths have raised questions about how far some doctors will go to cater to their clients. Murray was convicted of involuntary manslaughter after a monthlong trial. On Tuesday, he was handed the maximum four years behind bars. He will likely only serve two years in county jail because of a recent change in state law.

Jackson died in 2009 from an overdose of the powerful anesthetic propofol. Murray told police he gave the drug nightly to help the singer cope with insomnia as he attempted a comeback tour. Propofol is not approved as a sleep aid and is supposed to be used in the hospital by a trained professional.

What do you think? Do you think Hollywood doctors will use caution now when dispensing pills?

Resources to Help Teach Your Kids About Financial Literacy

Most forward-thinking adults – particularly those of us with children or anyone who routinely interacts with youngsters – want our young people to develop good financial habits.

But if you’re like the typical American, you may also struggle when it comes to being a good financial role model for our youth.
A study by Northwestern Mutual revealed that 71% of parents feel that children should begin learning about money no later than the 1st grade. Yet, five in 10 parents say they do not set a good example when it comes to handling money, and that they are not capable of properly teaching their children to manage money.

Fortunately, you don’t have to rely on your own background and training – or the mistakes you may have made – as your only source of information. Here are a few other resources that can help you spread financial literacy to the youth you know.

Ever Heard of NAOI, NEFE or NCEE?
To boost your financial literacy, enroll in an adult education class on personal finances. To educate yourself about investing, join the National Association of Online Investors (NAOI), which has great online study courses.

For resources, fun games, tips and ideas for teaching youngsters about money, log onto http://www.nefe.org/ or call the National Endowment for Financial Education at 303-741-6333.
The Northwestern Mutual survey found that less than 40% of parents talked about credit cards, loans and debt, and their own family finances with their kids. Fewer than one in four parents (23%) talked to their children about how to invest.

When asked why each topic was not raised for family discussion, most responded, “Children have no business knowing this.” Others said they “didn’t think of it” or that they considered their children too young to broach these issues. But researchers also suggest another theory.

“It is almost certainly lack of confidence with their own financial management skills that keeps parents from discussing some of the more complex, and key, money issues with their children,” says Mark Schug, professor and Director of the University of Wisconsin-Milwaukee Center for Economic Education.

If you are a parent or educator who would like more information and free materials on personal finance education, another source to check out is http://themint.org/. That web site, jointly run by Northwestern Mutual and the National Council on Economic Education, offers practical tips, lesson plans, newsletters and interactive challenges to help teach kids of all ages about money.

Teaching Kids About Choices With Money

There are a few other companies and initiatives that I consider enormously helpful for any parent, educator or adult who wants to teach kids about money – or even improve their own financial knowledge.

One of them is a fabulous web site, http://www.moneysavvygeneration.com/, where you can get a special four-chambered piggy bank for kids. I consider this a 21st Century piggy bank, because instead of having just one slot, this Money Savvy Pig has four slots where youngsters can put coins or dollars.

Each slot is labeled “save,” “spend,” “donate,” and “invest,” in order to teach kids about the choices they have with money. I have these educational piggy banks for my kids and they love them. Susan Beacham is the co-founder of Money Savvy Generation. She and I have co-authored The Millionaire Kids Club, a series of four money-management books for children between the ages of five and 12.

Citigroup has one of the most comprehensive financial education programs I’ve encountered. For adults, there’s Citi Cards’ “Use Credit Wisely” program, as well as its “Hablando de Credito” or “Let’s Talk About Credit” education effort for Spanish-speaking consumers.

Both offer a wealth of personal finance tools, help and information. In 2004, Citigroup launched a 10-year, $200 million campaign to support financial literacy programs around the globe.
Additionally, its Smith Barney unit has a great Young Investors Network that’s good for middle school and high school students. The youngsters in the Network are taught fiscal responsibility, they learn how to calculate their college expenses, and they participate in a stock-portfolio contest, among other activities. To learn about the full range of personal finance initiatives sponsored or run by Citigroup, visit the company’s web site at http://www.citigroup.com/.

Then click on the “Financial Education” button found in the “Corporate Citizenship” section
Finally, “Hands on Banking” is a wonderful program by Wells Fargo that teaches money skills for four age groups, ranging from fourth graders to adults. The curriculum is fun to use, free of charge, and available in both English and Spanish. A bonus element of this curriculum is that anyone can use it, because it’s designed for self-paced, individual learning, as well as for classroom and community groups. Get more info at http://www.handsonbanking.com/.

I could mention tons of other organizations and initiatives, such as the impressive YourMoneyCounts.com educational site funded by HSBC, and the terrific financial literacy work being done nationally by the JumpStart Coalition or the New York-based WorldofMoney.org, which is planning to take its mostly African-American students to China in 2013.

So this list of resources is not meant to be all-encompassing. The important thing to know is that there are reputable, quality sources of information and advice to put your children – or the youth in your sphere of influence – on the path to financial literacy.

Topic of the Day: When a Relative Dies & You Can't Afford the Funeral

The Money Coach tells you what to do if a relative passes away and the burial costs are out of your budget

by Lynnette Khalfani-Cox

When Apple co-founder Steve Jobs passed away this month, he left behind a huge legacy – and a huge financial fortune too. Since Jobs was one of the richest men in America, his family undoubtedly had no problem paying for his funeral and putting Jobs to rest.

Unfortunately, that’s not the case with many other Americans. It’s a sad reality that many families and individuals have to deal with, but the truth is that when many people pass away, their family members or close friends struggle to afford the funeral.
Knowing what to do when you can’t afford to bury a relative can help to relieve some of the stress and heartache of this difficult time.

According to the National Funeral Directors Association, the national average cost of a funeral with a vault was $7,775 in 2010. The cost of a burial without the casket was about $4,265 that same year. For many grieving families, paying thousands of dollars to bury a relative just isn’t economically feasible.
If a loved one passes away and the burial and funeral costs are out of your budget, here’s what you need to do:

Analyze the individual’s life insurance policy
Determine whether some or all of the burial and funeral costs are covered under the deceased’s life insurance policy. Talk to an agent in person or over the phone to go over all of the details, limitations and stipulations associated with the policy so that you understand what is and isn’t covered. You may find that a good percentage of the funeral costs are already covered based on life insurance the individual had on the job or a life insurance policy they bought on their own.

Review low-cost burial options, cremating someone is usually less expensive than burying the individual in a casket or vault. If your state doesn’t require embalming the body, consider a “green burial” where you don’t have to pay for a vault, headstone or expensive caskets. You can also shop around to find an affordable casket online.

Consider getting a loan if you have good credit and are comfortable with taking on a personal loan, consider applying for financing from a local bank or credit union in order to pay for the burial. Avoid taking out a cash advance on a credit card because you’ll be responsible for paying very high interest charges and could end up carrying that debt for several months, even years.

Ask other family members to chip in you may not have to shoulder the responsibility of paying for the burial all by yourself. Consider asking family members to pitch in and help with the costs. Be specific and candid with relatives about how much the funeral costs; ask everyone involved how much they can reasonably contribute; and put together a cost sheet or budget to help you keep track of all of expenses.

Talk to your county coroner’s office if you simply can’t come up with the money to pay for cremation or burial costs, you can sign a release form with your county coroner’s office that says you can’t afford to bury the family member. If you sign the release, the county and state will pitch in to either bury or cremate the body. The county may also offer you the option to claim the ashes for a fee. But if these also go unclaimed, they will bury the ashes in a common grave alongside other unclaimed ashes. Obviously, when a person dies it’s a terribly emotional time for that individual’s family members and friends. But it needn’t cause financial turmoil too.

You can do yourself and those you care about a favor by planning ahead and making sure you at least set aside money or have enough life insurance to cover your own burial costs in the event of your unexpected death.

Do you Have Enough Life Insurance?

Life Insurance Reality Check – Do you have enough?

by ANDYS2I 

Life insurance is an important component of your financial planning. If you have a young family, it could actually be the most important element of their security. A lot of people do not have affordable life insurance yet. Among those who already have life insurance, a vast majority does not have enough coverage. Could you be one of them? 

What kind of insurance is best?

Life insurance policies come in two basic variants – whole life and term life insurance. Whole life insuranceoffers death benefits plus cash value, on account of which premiums are higher. On the other hand term insurance is affordable because it only concentrates on death benefits for which you pay cheaper premiums. When you are young with a lifetime of loans, expenses and mortgage payments to be paid, your kids education and upbringing to look after, you must consider the more affordable term life insurance. Since a term life policy can help you focus on just the death benefits, it makes sense to understand it better, and work out the best coverage amount possible. Click here to get a free life insurance quote

What kind of expenses and financial needs should a term life policy cover?

On the event of your death, the death benefit of your term life insurance policy should be able to have your family pay off your funeral expenses and invest the rest so that they can lead a comfortable life much like the one you provide for them now.

• Funeral expenses can work out to be as high as $5,000-$12,000 currently, so that’s why you will need to factor that in to your life insurance planning
• Next, your death benefit should replace your current income, so that your family can carry on with life without having to make major lifestyle changes. Remember to take into account inflation and rising costs.
• Thirdly, factor in your debts – unpaid mortgage, credit cards and loans could eat into the death benefit amount, leaving your family with very little to take care of other expenses.
• If you were to die, your family would surely have additional expenses to replace the services you used to take care of yourself. If you handle the accounts on your own, or take care of the plumbing yourself, your family may need to hire the services of an accountant, or a plumber. If your spouse is currently a stay at home parent, your family may need the services of a nanny in case he or she decides to start working to supplement their income. It’s the little details that will help you work out your family’s expense requirements better.
• If your kids are young, a part of the death benefit will have to be invested to pay for their college education.
• Consider any hidden income that you may be currently earning, but which would be lost at death. Examples are your perks, your employer’s contributions to your 401(k) plan, health insurance and your retirement fund contributions. Too many people overlook factoring this into their calculations while in actuality they could easily add up to $10,000-$12,000.

How to calculate the coverage amount

There are conflicting views on how to arrive at the perfect coverage amount for your life. Here’s an alarming statistic. The average American has about $170,000 in life insurance coverage. That seems like a lot, but it is only about four times of the average annual income in the U.S. So it’s going to tide your family over for four years, but remember that you’re going to be dead a lot longer than four years. So how do you calculate the ideal coverage amount?

The rule of thumb in the insurance industry says that your coverage should be 10 to 20 times your annual income. However, like we discussed earlier, annual income is not the only factor that should be considered when determining your needs. How much term life insurance you need is a highly individual figure. But if you know exactly what your death benefits should help pay for, then you definitely won’t make the mistake of under-insuring yourself. So the long and short of the ‘how much is enough’ dilemma is that the death benefit you provide your family should be more than your net worth. Use the help of online Life Insurance Tools such as a Life Insurance Needs Calculator to help you arrive at an accurate coverage for your personal situation. Then you can apply for term life insurance quotes.

How often should your policy be reviewed?

If you already own a term insurance policy, that’s not enough reason to think that you have enough death benefit. If you have failed to consider the expenses and the loss of income sources that may follow your death, you will need to review your policy.

Even if you have taken everything into consideration, experts recommend that you review your policy whenever there is a life changing event such as the arrival of a baby, taking in an additional family member, changing jobs, looking after ailing parents, or the loss of a spouse. These events will increase your expenditure.

In times of recession the value your investments drastically dip, while your life insurance benefits remain the same. If you were to die in the next two years, your investments would have accrued a lower income than expected due to the present economic crunch. Have you factored this into your life insurance plan? You may need to review your term policy especially during economic downturns.

ConclusionThe best way to review your term insurance policy or work out the death benefits on a fresh term life policy is to consult with an unbiased insurance advisor, preferably one who represents a large number of life insurance companies. The advisor will ask you in-depth questions on your finances and help you arrive at term life quotes that are just right for your family’s needs.