- "The best way to spend your money is to spend it on time, not on stuff." http://su.pr/2tr5iP #
- First bonus by stock options today. Not sure I'm impressed. #
- RT @chrisguillebeau: US border control just walked the train asking "Are you a US citizen?" Native American guy says: "One of the originals" #
- @FARNOOSH My credit score is A measure of my integrity not THE measure. in reply to FARNOOSH #
- I'm listening to a grunge/metal cover of "You are my sunshine" #
- There's something funny about a guy on reality TV whining about how private he is. #LAInk #
Late Pass: Insurance for the Terminally Ill?
This is a guest post.
Uh oh. Not only have you put in decades of loyal service for a company that does not offer a life insurance policy to employees, now you have a terminal disease that has numbered your days. You always meant to get a life insurance policy at some point, but it was just one of those things that there was never enough money left for at the end of a month after bills, groceries and just enough fun to make worthwhile.
Your life is one that needs insuring to protect your family following the now-inevitable, but has that ship sailed? Is it possible to make up for lost time by obtaining a life insurance policy as a terminally ill patient?
You already know that insurance companies are experts at assessing risk. Each potential policy holder is effectively examined to determine their likelihood of living a reasonably long time, and a terminal illness is an obvious negative in this department.
Many insurance companies will be hesitant to offer a comprehensive policy that they know they will have to pay out in fairly short order, but you may be able to get a type of life insurance known as graded premium life insurance.
With graded premium life insurance, you pay a monthly premium to retain coverage. If your illness should terminate within two years, your family will receive all the premiums you have paid as a benefit. Should you last longer, the insurance provider pays the full value of the policy. This is a compromise that gives you the peace of mind that a life insurance policy can provide while allowing the insurance provider to minimize their risk.
These policies typically have cash values ranging from $10,000 to $50,000, so while they might not guarantee the permanent stability of your family, it will offer them much-needed assistance through what is sure to be a difficult time in their lives. Premium amounts vary by age and relative health, but generally the closer you are to qualifying for a payout, the more it costs to enter the lottery.
Life is unpredictable except for its certain end, and sometimes this reality leaves us less prepared for the future as we would like. Fortunately, a terminal illness does not make a person completely uninsurable in most cases. Of course, it is much easier and less expensive to get life insurance as a person who is not dying, so the best strategy may be to invest before your health becomes an issue.
Regret
There comes a time when it’s too late to tell people how you feel.
There will come a day when the person you mean to talk to won’t be there. Don’t wait for that day.
“There’s always tomorrow” isn’t always true.
Twitter Weekly Updates for 2010-05-08
- The Festival of Frugality #278 The Pure Peer Pressure Edition is up. All of your friends are reading it. http://bit.ly/aqkn4K #
- RT @princewally: Happy StarWars Day!: princewally's world http://goo.gl/fb/rLWAA #
- Money Hacks Carnival #114 – Hollywood Edition http://bit.ly/dxU86w (via @nerdwallet) #
- I am the #1 google hit for "charisma weee". Awesome. #
Selena Gomez: Can Child Stars Make It As Adults?
Selena Gomez is no longer the innocent yet rebellious Alex from Disney’s hit show Wizards of Waverly Place. In fact, the quirky and wholesome child star who was beloved by so many young women has now become a scantily
clad pop star that is singing risque lyrics to her on again off again pop star boyfriend Justin Beiber. Her transition to adult stardom has not been an easy one, and many believe that her role in “Spring Breakers” is a sign that she has officially entered adulthood and kissed her teen-friendly role preference in the past. But unlike other famous Disney child stars like Lindsey Lohan and Britney Spears, Gomez has had a relatively smooth path to adult stardom with only minor bumps in the road. But many people are asking themselves whether or not child stars can actually make it as adults, or whether their career is over once their cute phase stages.
Child Stars Have to Find Themselves After Their Cuteness is Gone
Child stars are aware of the fact that they are always being watched. They become the idols of their young fans, and these young idols rely a lot on their cuteness to become a celebrity. But transitioning from a cute kid to a talented adult actor can be a difficult feat. Not only does the star have to earn a new fan base, they also must find a new identity and decide which types of roles they are willing to take now that they are a mature adult able to make their own decisions. Sometimes, even children who do not fall into the drug and alcohol trap, find it difficult when they are given control of their own careers without their guardian’s rules.
The Public is Less Receptive to a Child Star Turned Adult Star
Die hard Wizards of Waverly Place will always see Selena Gomez as the lovable yet comedic Alex Russo. While this was her most popular role, it is the role that will makes her transition into more mature roles difficult. The public is less receptive to an adult Selena Gomez, clad in bra tops and short shorts, because they do not realize that she has matured. When the public shuns a child star for taking on more adult roles, the star simply is not sought after for movies and sitcoms. Young female child stars tend to be judged much more than their male counterparts. In fact, Justin Timberlake and Ryan Gosling are both very successful in the acting scene, and they were both Mouseketeers.
It is possible for a child star to make it as a adult, but the person must have thick skin and be prepared for a publicly criticized transition. Many child stars simply choose to retire once they have outgrown the ability to take on youthful roles, and others are not mentally prepared for the scrutiny they will face. Ultimately, a child star can have a successful career in stardom as an adult if the public is ready for the transition.
Privacy Policy
Privacy Policy for LiveRealNow.net
The privacy of our visitors to LiveRealNow.net is important to us.
At LiveRealNow.net, we recognize that privacy of your personal information is important. Here is information on what types of personal information we receive and collect when you use and visit LiveRealNow.net, and how we safeguard your information. We never sell your personal information to third parties.
Spam
No spam, ever!
Log Files
As with most other websites, we collect and use the data contained in log files. The information in the log files include your IP (internet protocol) address, your ISP (internet service provider, such as AOL or Shaw Cable), the browser you used to visit our site (such as Internet Explorer or Firefox), the time you visited our site and which pages you visited throughout our site.
Cookies and Web Beacons
We do use cookies to store information, such as your personal preferences when you visit our site. This could include only showing you a popup once in your visit, or the ability to login to some of our features, such as forums.
We also use third party advertisements on LiveRealNow.net to support our site. Some of these advertisers may use technology such as cookies and web beacons when they advertise on our site, which will also send these advertisers (such as Google through the Google AdSense program) information including your IP address, your ISP , the browser you used to visit our site, and in some cases, whether you have Flash installed. This is generally used for geotargeting purposes (showing New York real estate ads to someone in New York, for example) or showing certain ads based on specific sites visited (such as showing cooking ads to someone who frequents cooking sites).
You can chose to disable or selectively turn off our cookies or third-party cookies in your browser settings, or by managing preferences in programs such as Norton Internet Security. However, this can affect how you are able to interact with our site as well as other websites. This could include the inability to login to services or programs, such as logging into forums or accounts.
