What is Whole Life Insurance and Where Can You Get the Best Rates?

If you’re in the market for both life insurance and a long term investment, a whole life policy might be the answer you’re looking for. What is whole life insurance? It’s life insurance that both protects your family and builds up a tax-deferred savings account.

Advantages of Whole Life Insurance

When you buy whole life policy, part of your premium pays for the policy and the rest is invested by your insurer. The advantages of this type of policy include:

* No expiration date. As long as you continue paying the premium, your family will be protected in case of your death.

* No premium increases as you get older.

* The longer you hold the policy, the more your cash value account grows.

* If you decide you no longer need your policy, you can cancel or surrender it and still receive the cash value you’ve built up.

* You can borrow against the cash value you’ve built up.

* You can earn dividends on your investment.

* Your cash value account grows tax-deferred.

Finding the Best Rate

You need to comparison shop to make sure you’re getting the best rates. To find a cheap rate go to an insurance comparison website and fill out a simple online application. This application will ask you questions such as how much insurance you want to buy and what your age and occupation are.

Once you submit the application you’ll begin to receive quotes from multiple A-rated companies. You can review those quotes at your leisure and choose the one that’s best for you.

If you have questions, the best insurance comparison websites have a chat feature so you can talk to insurance professionals online and get answers to any questions you may have (see link below).

Personal Spy Technology Applications – Various Spy Equipments and Surveillance Products!

Night vision is one of the most underused and misunderstood products on the market. Its applications are far reaching and can be used for many private home security solutions.

There are two different types of night vision available from spy equipment vendors, and four different types overall. They are 1st, 2nd, 3rd, and 4th Generation. Only the 1st and 2nd generation are available to the general public. The main difference between 1st and 2nd generation is that 1st generation is a lower quality of picture, while the 3nd generation though anywhere between 500$-1000$ more expensive, has a much improved picture and sharper image that makes it worth the investment.

Computer Software is another area that spy equipment vendors provide items in. Everything ranging from key logging software to parental controls, to things like remote PC viewing. This viewing software allows the user to remotely view everything going on in the target PC. Things like websites visited, time spent on the computer and various other activities while on the PC. When purchasing these items you need to keep the legal ramifications on your mind. Consult with the vendor for advice or with your local law enforcement to know your local laws before you engage in the use of this software.

DVR Stand alone kit with 4 cameras is another good item to protect your household or business. You can place the 4 cameras in very well hidden areas that provide cover for the camera but a clear view for the camera to record the area and ensure the safety. You can receive remote notifications by email to alert you if an alarm has been triggered. They come with 4 different sensitivity settings that can allow for a tailored fit to your personal or business needs.

Again with all of these products and the ones not mentioned, you have to beware of how you plan on using them and ensure not only that they are used properly and maintained properly, but you need to ensure they are used legally. Also consider that although some people may understand their usage and applications, others may be offended and you may cause issues should they ever discover their usage. If you are unsure of the legality of the usage, look up online the local laws for your area, or even send some requests out to your local police station or city hall. It’s always better to be safe then sorry!

The Future of Procurement Technology

Research has shown that leading companies today employ extensive use of procurement technology for purposes of driving high performance. Procurement masters do this in the following ways:

  • Provide heavy support to their source-to-pay process via a complete suite of integrated technology modules.
  • Achieve “one version of the truth” through the harmonization of master data across systems and consistent maintenance procedures.
  • Have access to highly visible data so as to enable full reporting.
  • Boast a full portfolio of supplier integration technology.

Today’s procurement masters therefore enjoy significant payoffs, delivering 2.5 times more value for every dollar spent in procurement, in comparison to average performers. But what lies ahead with regards to procurement technology benefits of the future? Take a look.

Innovative Technology

With the economy still in recovery, business focus has shifted to technology that is easy to deploy and which delivers a quick and tangible ROI. Granted, technology today typically focuses on the manufacturing element of the enterprise, which is where the money is made. Nevertheless, procurement remains at the heart of every organization; therefore innovation in technology can help boost procurement engagement ultimately leading to a reduction in costs and increase in savings.

Increased Connectivity

Procurement managers of the future will increasingly need to adapt to the convergence of work and play. Consumer-style expectations will persist in their migration into the workplace with access via the traditional PC/ browser-based platforms being superseded by apps. Procurement technology applications will shift their focus to engagement and usability so as to drive efficient processes and fantastic compliance. Additionally, as with the internet, technology is set to become even more connected over time.

Intelligent, Multi-Dimensional Data

Business procurement is set to resemble consumer procurement platforms such as eBay and Amazon. This will be achieved through technology that is more intelligent and which utilizes multiple dimensions of data to steer spending behavior towards the most attractive deals. In this way, procurement managers will be able to make purchasing decisions that are quick and better informed.

An efficient and integrated technology foundation is critical for achieving such results for the business of the future. This will also require thought leadership in procurement and sourcing, specialized skills for SAP procurement and global client experience to assist an organization in the maintenance of a reliable, high quality supply base while reducing costs. It is such a foundation that will provide your business with a procurement technology framework that will power high performance for years to come.