As one grows older, moving into one’s sunset years, thoughts of how to plan financially for one’s last days are sure to come up, senior life insurance is essentially a life insurance plan that covers the cost of funeral expenses and other possible expenditure when one passes away.
Following are a few types of life insurance for seniors.
Term life insurance, as the very name implies are valid for a particular period, usually up to 20 years before the policy lapses. Term life insurance policies for seniors start around the US$50,000 mark and require the person applying for insurance coverage to undergo a full battery of tests to ascertain health status. Under the terms of such term life insurance policies for seniors, those who have a better health condition may be required to pay out less as premium than those who have some pre-existing health issues.
Whole life insurance policies are considered more viable, although they may require higher premiums than term life insurance. They do not have an expiry date and continue to remain valid as long as the premium payments are made. An added benefit of whole life insurance policies for seniors is that they may be treated as assets as they help to build cash value and may also be sold to an investor as a surety for borrowing money if a situation so warrants.
The third kind of life insurance for seniors is known as burial life insurance. The term may sound slightly morbid, but such plans cover the burial expenses of a deceased and are intend to support the deceased’s family in the face of very high prevailing costs of funeral expenses. Usually, these policies accept applicants in any state of health up to the age of 85. Burial life insurance policies carry a relatively lower face value ranging from US$ 5000 to US$ 20,000. An added benefit of burial life insurance for senior is that they provide with a cash benefit so that once the funeral expenses are covered, the remaining money can be used in any way desired by the beneficiary of the policy.
By seeking online life insurance quotes, seniors can find a policy that best suits their needs and budget.
Summers are an exciting weather and very welcoming for people living in extremely cold regions like Europe, Canada, America etc. However, summertime means a lot of sunshine, humidity and a lot of sweating. Unless you are at a beach or at the gym, sweating is something that is not just annoying but also very embarrassing. Ladies who love to wear tank tops and light-colored dresses can have the worst nightmare of sweating. Not just that, body sweat often leaves yellow patches on white clothes and fades away the color of the top from the underarm area. There are a lot of antiperspirant and odor control products available in the market but how do you choose one that works for you?
Here’s a quick list of the different types of best deodorant for odor control to keep you fresh and smelling good through the entire hot summer day.
Lady Speed Stick
One of the most commonly used brands of the best deodorant for odor control is the Lady Speed Stick. They have been in the industry for decades and have been producing some of the best antiperspirant deodorants for men and women both. If you are a lady who sweats a lot even in tank tops, then this the deodorant for you. Not only does this deodorant control excessive sweating in the underarms area and under bust area, it also leaves a beautiful fragrance which is neither too floral nor too citrusy. They also have a different variation, specially designed for darker clothes so that it doesn’t stain your darker outfits. You can easily find this online or at your nearest drugstore or beauty supplies store, so you don’t really have to go out of your way looking for this deodorant. Do note that these are all roll-on deodorant and don’t have a spray version.
Dove
Dove as a brand is known for its gentle and skin friendly products so it’s no news that when Dove launched their deodorants, every girl wanted to get her hands on it. Dove has some of the best antiperspirants for affordable rates available in stores and even online. Dove has the best deodorant for odor control in roll-on tubes as well as sprays. Both versions of the deodorants have a separate range of antiperspirants for sensitive skin as well which not a lot of brands in the market have. There’s also a range for whitening the underarms for women who suffer from deep pigmentation which again, not a lot of brands have. Dove deodorants leave your underarms feeling fresh, smelling nice and sweat free for up to 10-12 hours!
Nivea
Nivea is another brand that is widely used in skincare such as lotions, cream, lip balms etc. Just like Dove, Nivea also has their range of deodorant roll-ons as well as sprays for both men and women. They also have a special range of ‘Calm and Care’ for sensitive skin as well as a whitening range called ‘Extra Whitening’. Dove and Nivea have similar price points which can get a little confusing for you especially since they both have the same end results. However, the fragrance of these two brands is very different. While dove is more floral, Nivea is a little more citrusy with strong undertones of musk. Nivea is known for the best deodorant for odor control because the fragrance lasts for around 48 hours! The antiperspirant properties fade away within 12 hours which is quite normal.
Apart from using deodorant and perfumes during the summers, it is essential to drink a lot of water and have at least 2 showers a day – one before you start your day and the other before bedtime. This helps reduce bacteria build up in your sweaty regions and ensures you smell good through the summers. Ditch spicy meals, oily foods, and sugary items as these can clog your pores making you sweat even more.
Matches have been used by humans for decades now, and we have come up with different kinds of lighters and matches during this time. Although matches were traditionally made of wood, reusable match lighters have recently gained popularity, as they are reusable and can last for a longer time. Here is a list of some of the best reusable match lighters you can buy.
You can analyze the offerings of all these products carefully and make an informed purchase decision.
The ancient Chinese philosophy of fengshui has found its way into modern homes and work spaces. This is mainly because its implementation harmonizes the spirit of a place. The use of plants for the order and the arrangement in homes is a great way to increase a positive flow of energies as well as for attracting good vibes.
Here are some plants that you can incorporate in your space to enhance the synchronization and serenity of living.
Silver Crown
Blessed with silver luster on its leaves, the silver crown is regarded as the luckiest plant in fengshui. It attracts good luck and fortune for its owner. This plant can be placed in your house or in your office space to boost prosperity.
Money Plant
It isn’t uncommon to see a money plant in houses, gardens and office spaces. And why wouldn’t one see it everywhere! It is said that the money plant boosts wealth, abundance and prosperity for the owner.
Jade Plant
Known as the friendship plant, this auspicious shrub is considered as an incredible addition to your space. Its succulent structure looks magnetic and acts magnetic for luck, relationships and money. Just make sure that you don’t soak it with excess water.
Peace Lilies
This mesmerizing plant with white flowers is not only aesthetically endearing but also beneficial to your health. It absorbs toxic matter from indoors and improves the air’s quality for breathing. You can place this in your bedroom or in room where you where you exercise and meditate.
Lucky Bamboo
These plants might be hollow from the inside but they have an immense amount of substance and wisdom. The hollowness of a lucky bamboo facilitates the easy movement of positive energy. This can be a perfect gift for someone who has just got a new home.
Chrysanthemum
These spellbinding flowers symbolize ease and optimism. They diminish the level of depression and anxiety in a household. Chrysanthemums are known to bring balance and stability for a person, by increasing happiness and good luck.
Make sure that you remember the specific needs of the plants while buying. You don’t want to water it too much or keep it in the sunlight unnecessarily. Such uninformed actions can lead to the falling and drying of the leaves which counters the purpose of having a fengshui plant. Place it in the correct position to channel the energies in house for the best possible outcomes.