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The Best College or University Savings Plan

For many parents, saving for their children’s higher education is among their core objectives in life. They want to provide their children with the necessary tools to lead highly productive and independent lives.

While there are many savings vehicles that parents can use to pool college funds, we must acknowledge that some of these plans are camouflaged bad deals. In order for parents to save adequately for college or university, only the best savings vehicle should be used. With so many options available, it can be confusing and difficult to determine which plans are among the best.

If you live in Canada, the good news is we’ve determined the absolute best savings vehicle you should use that is guaranteed to yield significantly more returns than all the other saving options—RESPs.

An RESP, Registered Education Savings Plan, is a saving and investment vehicle devised by the Canadian government to assist parents to save enough for their children’s post-secondary education. This is accomplished through the use of the Canadian Education Savings Grant (CESG) which the Canadian government provides to all RESP account holders. In order to assist parents accumulate more money, the government supplements all contributions made to an RESP with 20% grants.

The grants are awarded to a maximum of $500 a year i.e. for the first $2,500 contributed by parents. By signing up with an RESP provider such as Heritage RESP, parents become eligible to receive up to $7,200 in lifetime grants from the Canadian government. It’s worth noting that this is a basic grant amount. For more information, you should check out Heritage RESP’s reviews or you can also contact them directly.

There are other additional grants that the government offers parents who require more assistance e.g., single parents or parents with low income. Known as additional CESG, these parents can receive an extra 10-20% on top of the basic grant, in order to supplement their savings. Collectively, the grants translate to 30-40 cents per dollar invested in an RESP. Put in perspective, this means parents receive anywhere between a 30% and 40% return on investment for their first $2500! This is the only savings vehicle that offers such high interest rates.

And that’s not all. Parents with RESP accounts also stand to benefit from further government assistance through the Canada Learning Bond (CLB). This was devised to further assist low-income families, particularly those with kids born after January 1st 2004. When parents secure RESP accounts for such children, even if the child is enrolled under the National Child Benefit, he receives an extra $500 from the CLB as a result. An extra $100 dollars is also deposited in the child’s RESP each consecutive year until the child reaches maturity.

Other benefits associated with RESPs include:

  1. Tax-sheltered payments

All contributions to RESP accounts aren’t taxed. This applies to funds below $50,000. Any amount above this limit is subject to getting taxed at the prevailing rates.

  1. Early withdrawals

With RESPs, parents don’t have to wait until college in order to make a withdrawal. They have the freedom to do so at any time provided the money is invested in the child’s post-secondary education. If it’s withdrawn to meet the child’s higher education, suitable taxes may be levied. The parent is also free to determine the amount to be withdrawn.

  1. Change of beneficiary

With RESPs, parents can easily change the name of the beneficiary at any time, provided the beneficiary is less than 21 years when he/she is included in the plan. It should be noted that all RESPs support this. There are two major types of RESPs, i.e. a single plan and a family plan. Under the single plan, only one beneficiary is permitted. When changing the beneficiary, no blood relationship is required and the beneficiary can be named at any age. On the flip side, there are also family RESPs that support more than one beneficiary and require that all the beneficiaries be related by blood to the subscriber/parent (nephews and nieces are excluded). All beneficiaries must be under 21 to be named.

By having several RESP options, parents can choose the most appropriate RESP plan for their children or the children under their protection depending on the situation. Parents can also continue making contributions to RESPs until the child turns 31 years old or the plan itself completes 31 years since opening date.

To read more on topics like this, check out the lifestyle category.

Why You Should Always Go For Seiko Watches

 

We hear quotes about time all the time.

“Time is gold.”

“Time is precious.”

“Love is sweeter the second time around.”

Oops! Wrong article. The last one seems rather out of place here. We can talk about that another time. Anyway, we’re here to discuss something you always use every day. You wear it to work, probably to social gatherings, and many other places. Maybe, you’re even the kind of person who never takes it off.

I’m talking about wristwatches. Not as deep and critical as life and love, but an important topic to discuss nonetheless.

The Importance Of Telling Time

You know how adults always say “You never know how important time is up until you’ve got none left.” Well, I think it’s true. When you’re young, able, and you feel like there’s a whole future waiting up ahead for you, it’s hard to appreciate the concept of time. Therefore, we end up wasting it.

One thing we fail to understand when young, however, is that time flows continuously. It doesn’t stop for pauses or breaks. It flows just like how the river continues down a stream. No matter how much you try to halt its movement, it continues to move on. Even if you barricade it, then it just overflows. Time works like that – and it has worked like that since the world began.

So if you think that time will wait around for you, then it’s high time you change that way of thinking. Time is definitely not going to pull its reigns just so that it can wait for you to pull through. You should be the one to develop a more conscious attitude towards time. You have to make sure that you put every second to good use. You have to make sure that you get the best out of this life. After all, you’re the only one that can do that for yourself.

You can start by recognizing the importance of telling time. When you accept its necessity, you’ll begin to see changes in your life. You’ll act with more discipline, you will work twice as hard, and maybe you’ll live life in a way that you minimize any and all forms of regret. When you learn the importance and value of time, you see things a little differently – perhaps more clearly. You begin to see that you’re being here is nothing but temporal. However, the moments you create are things that can last forever. Maybe by knowing such things, you’ll begin to take life a little more seriously. Learn more about the importance of time management here: https://www.successconsciousness.com/blog/time-management/importance-of-time-management/.

How Can You Start Disciplining Yourself When It Comes To Managing Time?

Well, first of all, you need something to help you track it. The more aware you are about how fast time is moving, the more you’ll be able to push yourself to accomplish things faster. This is where the trusty old wristwatch comes in.

Sure, there are other things that can tell you what time of the day it is. There are wall clocks, pocket watches, smartphones, and maybe even sundials. However, nothing beats the convenience of the wristwatch. It literally rests on your wrist without causing any bother, enabling you to do many things whilst still having perfect view of the time. You can swiftly peer into the watch and get back to what you’re doing without causing any sort of delay. It’s the perfect thing to carry around when you’re a busybody like me.

Some argue that having a watch can make a person feel overly conscious about time. They say that it inhibit productivity rather than improves it. I beg to differ. When you have a clear sense of time, you are able to plan better. You are able to think ahead. You are able to strategize as to how you can get things done. It teaches you discipline and proper management – two things that are very important if you want to succeed in life.

So, I Need A Wristwatch – Which One Should I Get?

Well, as much as I would want to say that it’s up to you to decide, I do have a recommendation: Seiko Watches.

Now, don’t get me wrong. I am in no way a spokesperson for the company. I have my own reasons for loving the Seiko brand and I think you can resonate with these reasons too once you get to hear them. I personally use Seiko watches for men (I have a huge collection, btw); it’s kind of my addiction. Hopefully, you’ll get to try them out too.

Here’s why I think you should get a Seiko Watch for yourself:

It’s A Trusted Brand

Seiko has been around for decades and they helped set the quality standards for watches high. They are a leading watch manufacturing company and they have given due justice to their fame. Instead of compromising quality now that they’ve already reached the peak of their fame, the company continues to look for ways to make their brand experience better. Seiko has been with us for ages and I’m excited to see them grow even better in the years to come. If this is your first time buying a wristwatch, I recommend buying this brand. I’m sure you won’t regret it!

It Prides Itself For Using High-Quality Materials

From the straps to the watch itself, Seiko never disappoints. They have been recognized as one of the world’s biggest watch brands thanks to their strong dedication to quality (check this out). The company never uses substandard materials for their watches – which also explain the price. But hey, shelling out a little more is much better than buying a bad watch, don’t you think?

It Looks Great!

Come on. Let’s not all pretend to be watch connoisseurs all of a sudden. I know that many people (including me) buy based on what they see. “When it looks cool or pretty, consider it sold!” Or, something like that. Seiko watches aren’t just durable; they look awesome too. They give off a classy and professional feel but they don’t come off as “gaudy” or anything of the sort. They’re simple yet elegant, smart yet grounded – definitely a must-have!

To read more on topics like this, check out the fashion category.

Choosing a Clinic That You Can Trust for Laser Hair Removal

 

You already feel confident that laser hair removal is the best way to remove unwanted hairs from your body permanently. You cannot rely on waxing or shaving since the hairs will continue growing back. With the popularity of laser technology, it is now easy for you to schedule an appointment and eliminate those hairs.

Before you do so, you might feel confused considering all the options available. These are some essential considerations before you choose a hair removal clinic.

Guaranteed health and safety

You cannot take the risk of choosing a clinic because it is cheap if it does not ensure health and safety. Make sure you will only receive the services from qualified staff. You can ask about credentials and experience before you decide to do the procedure. You can read reviews online and check if previous patients felt satisfied with the services received. You may also look at photos of the room where you will receive the treatment to ensure it is clean and safe.

Honest advice

Before you even schedule the procedure, you need to speak with the expert in the clinic to determine if you need to have laser hair removal. You can also ask questions about the risks and side effects. If you receive honest responses, you might trust the clinic to do a great job; otherwise, you need to keep searching for other choices.

Reasonable price

Price is not a good standard in determining where you will have the procedure. You might find clinics that pretend to have a registration, but they do not. Since they offer cheap services, you might decide to choose them. Be careful in judging the options based on the price since your primary goal is to save money. Laser hair removal is generally expensive when you choose the best clinics. However, you will still save money in the long run if you are not going to spend money on shaving or waxing anymore.

Ask for referrals

Perhaps, you know someone who has tried laser hair removal before. You can ask your friend to recommend the best clinic for this treatment. Previous patients who received the best services will not hesitate to recommend the clinic where they had the procedure. They might even give you the contact number so you can do it soon.

After going through these things, you will now have the right choice for the procedure. Call the clinic first and ask if you can walk in for a consultation. If you feel confident about the clinic and you are okay with the price, you can schedule the procedure.

Check out laser hair removal Edmonton offers if you want only the best services. With the clinic’s top-quality staff and experience in offering this service to a lot of people, you will not suffer from any side effect after the procedure. In no time, you will say goodbye to those unwanted hairs and become more confident of yourself.

To read more on topics like this, check out the lifestyle category.

Is It Practical to Buy a New Car When Public Transportation is Convenient

 

Driving a car is convenient. You can go to places you want to visit at any time. You can also go to work and head back home without any problem. You can also go on a road trip with your family or visit your friends in other areas.

The problem is that cars are expensive. Some people wait for a while until they have saved enough money to buy a vehicle or at least have enough for the down payment. You might also look for a financing option that suits your financial capacity.

Before you think about buying a new car, you need to determine first if you are doing so out of practicality. It is possible that you are only buying one for bragging rights. Some people say that when public transportation is affordable and convenient in your city, it makes no sense to buy a new car.

Consider your needs

If you reside in a place where you can find public transportation any time, and you live close to bus or train stations, you do not need to buy a car. However, if you are going to many places and you want to make things convenient, a new car might be an excellent choice. Not everyone has the same needs. Therefore, it is understandable if you desire to have a vehicle to meet those needs.

There are cheap and fuel-efficient cars

Some people say that cars are unnecessary and expensive. Although it is true, you need to check your financial capacity to see if you could afford the car you want to buy. If it is within budget and you are not burying yourself in debt to buy it, you can go for it. Besides, you can also find fuel-efficient cars that do not waste energy. You can lessen the amount you spend on gas.

You do not like to get stuck in a crowd

When using public transportation, you need to prepare for the crowd. It is worse during rush hours. You have no choice other than being patient and waiting since other people are also using public transportation just like you. If you want to be away from the crowd and be comfortable, you can buy your own car. You might have to beat traffic, which can also cause an inconvenience, but it is not as bad as getting sandwiched by several people inside a train. You are also protecting your valuables because they are safe in your car.

You can determine what you need and buy a car if you think it is necessary; otherwise, you can continue taking public transport until you are ready to buy a new vehicle. You can also check out a truck dealership Wyoming offers if you want to buy a new truck for business purposes. Compare the models and study the price differences to help you in negotiating the final price.

To read more on topics like this, check out the budget category.

The Benefits of Having a Water Filtration System

It’s important to have clean drinking water especially if you want to keep your family healthy. There are different contaminants that can be found in the water that flows to your houses like chlorine or other chemicals. To ensure your family’s safety, you should seriously consider investing in a water filtration system for your home. Below are some of the benefits of drinking filtered water and how it can improve your health and your life.

  1. Water filtration systems remove a wide variety of contaminants from your drinking water

Did you know that tap water can contain chlorine, pesticides, chemicals, heavy metals, and potentially harmful bacteria? As a result, it gives off an unpleasant smell and makes it undesirable to consume. If you’d like to be able to remove such contaminants from your household’s drinking water, it’s a wise idea to have a water filtration system installed in your home.

  1. Pure filtered water is the healthiest option for growing children

If you’re a parent, you can give your children the best possible start in life by providing them with clean, pure, filtered water. In fact, filtered water has been proven to boost children’s immune system. So if you’d like to prevent your children from getting sick, it’s a great idea to provide your family with a high-quality water filtration system.

  1. Water which is produced by a filtration system tastes better than tap water

If you assumed that all water tastes the same, think again. Filtered water tastes a lot cleaner than tap water and therefore is much more pleasant to consume than unfiltered water.

  1. Water filtration systems can prevent you from contracting a gastrointestinal disease

By drinking filtered water you can decrease your chances of developing a nasty gastrointestinal disease by 80%. As unfiltered water can contain E. coli, giardia, and cryptosporidium, which all can lead to the development of dangerous gastrointestinal diseases.

  1. It’s much more cost effective to drink filtered water than to purchase bottled water

If you don’t want to spend money on purchasing bottled water each week, it’s a great idea to invest in a water filtration system for your home. You’ll be able to drink as much water as you’d like, without incurring an extra cost. It’s also an eco-friendly option if you care about the environment and want to preserve it for future generations, as you won’t need to keep purchasing bottled water.

  1. You’ll decrease your chances of developing cancer

Arsenic, which can lead to the development of cancer, is sometimes found in unfiltered water. So to decrease your chances of developing cancer, it’s well worth getting into the habit of drinking filtered water on a daily basis.

  1. Drinking filtered water can clear up your complexion

Since our skin is composed of 64% water, keeping yourself hydrated is imperative to maintain a healthy and youthful glow. However, not all water can be consumed as unfiltered tap water contain contaminants that may do you more harm than good. Drinking filtered water free from harmful contaminants can help your skin clear up any impurities.

Hopefully, with the benefits listed above, you’re now convinced of the advantages of drinking filtered water instead of tap water or bottled water!

Hotel Safety Tips You Need to Consider

 

For many people, sleeping in a place which is not their home is uncomfortable. Others feel excited especially if they are staying in an exquisite hotel. Regardless of how you feel when you decide to book a hotel, you need to ensure your safety. These are some tips to consider.

Do not stay on the ground floor

Before you reserve a hotel room, you need to confirm if your room is on the ground floor or not. Most break-ins happen on that floor. You need a place which is high enough to deter potential intruders, but not so high that during emergency cases when you have to use the stairs it will be a problem.

Keep your bags close

While waiting for your turn at the front desk, you need to ensure the safety of your luggage. You need to keep it close or pass it on to someone who works for the hotel. Given how busy the lobby is at times, you could end up losing your bags.

Make sure no one knows your room

It is usually a policy for hotels to not inform anyone about the room number unless permitted by the guests themselves. It is for the security of everyone staying in the room. For instance, your key has your room number on it, and if someone else saw it when the front desk staff handed it to you, it is possible to request a different room as you now consider the room compromised. The same thing can happen if someone says the room number out loud.

Check the locks first

Usually, the valet will accompany you into the room. Make sure that you check the locks first before you ask the valet to leave. If there is a problem, you need to ask for someone to immediately fix it by relaying the message to the valet or request a different room.

Use the door wedge

Do not rely on the locks on your door alone. For further security, you need to use the door wedge. It is to ensure that no one else can access your room. Sometimes, crooks can have access to spare keys given their relationship with some people working for the hotel.

Take your valuables when you leave

Make sure that you do not leave anything valuable in your room. Your gadgets and personal documents like passport need to be with you at all times. Your room could end up getting compromised especially if you asked the cleaners to come over and make the bed. If the place has a vault, you can use it to keep your valuables. The hotel usually does not cover the payment for lost items inside the room, but they will do if you kept the things inside the vault.

Now that you know these hotel safety tips, you have nothing to worry about. You can check out the best hotels around Oxford now and finalise your booking. With top hotels in the area, safety is not an issue.

To read more on topics like this, check out the travel category.

4 Important Things to Know About Ladies Rashie

When buying a ladies rashie, do you actually know what you are looking for? Or more importantly, what are things that you should be looking for when considering buying one. These are the questions that we get asked quite often, so we thought it might be a good idea to list them below. Hopefully you will find this information useful and helpful for when you next purchase a ladies rashies Australia design.

  1. UPF protection is one of the most important things to really look at and to make sure that you are getting something that is actually going to protect you from the sun. What you want to look for is something with a high UPF rating and just like SPF in sunscreen, the higher the UPF the more sun protection it is going to give you. A top which is UPF 50+ is going to protect you from up to 98% of both UVA and UVB rays.
  2. Does it cover you where you want coverage the most? In this I mean, are you after something that is going to cover your full arm or just the top of it? Do you want a high neckline to protect your neck and chest area, and also do you want something that is going to protect your shoulders also? Look for something that is going to suit your needs and use a high SPF sunscreen to cover those areas that are left exposed.
  3. What purpose are you purchasing it for, in this I mean are you planning to wear this for swimming and other water sports? Or is this something that you are planning to wear whenever you are out and about on a high UV index day? If you are looking for something that you are going to wear in the water, you may want to get something that is a little more fitting so that it conforms to your body whilst it is wet. There is nothing worse than something that balloons around you and also is hard to swim in. If you are planning to wear it out and about, maybe a more relaxed fit might be an idea. Check out sizing charts as these can help you choose the size that is right for you.
  4. The colour and print can also be a factor in what to look for as I’m sure you would like something that will match in perfectly to your existing wardrobe and swimwear that you have got at home.

A ladies rashie these days are so much more fashion forward and can really look great paired with both swimwear and resort wear. Protect your skin now form the sun’s harmful rays and reduce your risk of premature aging or even a risk of skin cancer.

To read more on topics like this, check out the lifestyle category.

Travel Destinations Around Southeast Asia

Traveling around Asia is a dream for many people around the world, especially for people in the west. As a citizen of the western world, traveling to Asia is like being transported into a different reality. A place with very different cultures and customs, Asia is a place of beauty and exotic locations filled with historical wonders.

There are many places that one could visit in Asia, but it is important to slow down and choose just a few areas in order to take in all the wonders that this part of the world has to offer. Southeast Asia is a name that refers to a sub-region of Asia that is bordered on both sides by ocean. To the West, you have the Indian Ocean, while to the East there’s the Pacific Ocean. With that said, here are a few places that should be on anybody’s list of locations to visit.

Bagan

Bagan is considered an archeological paradise. It is one of those hidden gems that lies off the travelled path. The site is home to around 2000 temples of different shapes. It is believed that the structures where raised between the 9th and 13th century and the site receives around one million tourists per year. This is a wonderful location that people traveling around Southeast Asia should not miss.

You can travel around the area of Bagan with a bicycle or hire a tuk-tuk, which is a good idea because the archeological site covers an area of 65 square kilometers. After an earthquake in 1975, the structures suffered a bit and there was a plan to restore some of the damaged structures.

Macau

Macau is a place is Asia where the West meets the East and form a beautiful mixture of cultures. The city is known to be the gaming capital of Asia. There is a large variety of amazing casinos to be found here, including the iconic Casino Lisboa, which also represents a symbol of the spirit of Macau. With its lotus shaped form, the structure is truly a sight to behold and also used as a guiding landmark for Macau’s citizens.

When it comes to visiting Macau, most people go there with the purpose of gambling and visiting the many beautiful casinos found there. However, besides the many casinos, there are also many other places of interest in the city. An example could be the ruins of St. Paul, a structure built in the 17th century and was eventually destroyed by fire. What remains is only the facade of the former structure which acts as a kind of altar to the city.

Since the spirit of Macau is all about gambling, people have the option of trying out few casino games found on Gametwist Online Casino, while at the same time visiting other places of interest around the city. This online casino can offer you the same experience as the one would have in one of the casinos found in Macau, but you have the option of choosing where to play them. After that, you can say that you have participated in the gambling spirit of Macau.

Halong Bay

The number one tourist destination in Vietnam. Halong Bay has received a UNESCO World Heritage site in 1997. It is truly a unique place in the world and it is also known as the Bay of Descending Dragons. Dragons play an important role in Vietnamese culture. There is a story that a dragon and her offspring defended the vietnamese from invaders. The dragon sprayed fire with emeralds or jades and after many years they formed the eroded towers surrounding the area.

The rocky formations are covered by forests and there are many activities that one could partake in. Rock climbing is one of them, as well as taking a cruise around the Bay. The best time to visit Halong Bay and Vietnam in general is between March to May or September to November, which are times when one could avoid the extreme heat. Winter can also be cloudy and cool and may not make such a great experience.

Singapore

Singapore can be seen as a melting pot of cultures and different demographics as well as a large variety of different architecture. It can be seen as the number one travel destination in Asia. In 2018 this island nation has been voted as one of the safest cities in the world with a very low crime rate. Among the beautiful urban area, there is also a large variety of beautiful greenery present in the city.

A wonderful attraction of the city would be the Garden by the Bay opposite from the Marina Bay Sands Hotel. Most people visit the garden to see the Supertree Grove. The trees have a high that ranges between 25 and 50 meters. Between two of the largest Supertrees there is a walkway where people can take in a panoramic view of the garden.

Final Word

Southeast Asia is truly one of the most amazing places on Earth that people can visit. Aside from the destinations mentioned above, you can be sure that there are many more places that are as beautiful and interesting. For a person who was born in the west, visiting just one of the places mentioned can truly be a life changing experience.

To read more on topics like this, check out the travel category.

6 Things that Will Help You Have a Stress Free Baby Shower

Baby showers are one of the sweetest events you can ever attend. However, just like any other party, stress from planning and running the event might be inevitable. Most of the time, the planner or the mother-to-be is swamped with a lot to work on that the day becomes stressful instead of fun. Here are tips that will help you manage the stress or take it away completely.

The More the Hands, the Easier the Work

It is very easy for any planner to think that they can do everything by themselves. Especially if you are a perfectionist. However, it does not hurt to delegate some work to different people. Sometimes you will find that more people are willing to help than you thought. Also, be careful not to overspread the work as it may bring a lack of accountability.

Use Practical but Sweet Décor

Everyone wants, and this might be a loophole for a lot of stress. Unique décor does not mean impractical décor. There is a lot of room for creativity even with the most standard equipment. Also, things like the birth announcement card can be bought at pocket-friendly prices instead of taking a lot of time creating them yourself.

Art over Games

The best part of any party is the cheers that come during game time. You can twist your games a bit to make them artistic and creative so that the mom-to-be is able to take part in all of them.

Simple Gift Registry

Your gift registry does not have to be all expensive things. Sometimes stress can come from worrying about the type of gifts people will bring and more so if they can afford them. The important thing is that people actually show up. A simple gift registry might even make people want to do more than you would have wanted them to.

Consider a Bed Rest Baby Shower

There are many complications that come with pregnancies. Some of the moms-to-be are given bed rest directories from their doctors to make sure that the baby and the mother are safe for danger. This does not have to be a reason for not holding a baby shower. You can opt for a pajama party instead and watch movies or share and make merry. The setting is restful hence killing two birds with one stone.

Not all baby showers should be a source of stress. The trick is learning how to manage your ability and expectations and come up with something beautiful and still easy to handle. With the above tips, you can pull out a fantastic baby shower stress-free.

To read more on topics like this, check out the lifestyle category.

Four Top Reasons Why You Should Get Life Insurance

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Many companies are being more aggressive in terms of offering life insurance policies to people who are currently employed. Nowadays, one of the most common misconceptions about investing in insurance is that many believe that it is only for rich people. However, little do they know that many flexible insurance policies are tailored to fit your needs and budget. You can even ask the question, can I sell my life insurance? Below are just a few of the valid reasons why it is essential for you to invest in life insurance.

Added Investment

Some people ask if it is possible to sell their life insurance, in case they need the money. The answer is yes because there are a number of companies that are allowing their senior clients to cash out their life insurance policy once they reach a certain age bracket and remain in excellent health. They can use the money to pay for remaining loans, fund medical expenses or for leisure and travel purposes. Think of getting life insurance as an ideal investment that you can benefit from once you reach your retirement age.

It Gives Your Family Fewer Worries

Upon signing up for an insurance policy, you will be required to declare an individual family member as your beneficiary in case of sudden death. In case you get diagnosed with severe illnesses such as cancer, heart attack and stroke you will be able to file a medical claim that can help cover a significant portion of the bill.

It is a sad reality that if you do not have insurance your family has no choice but to take responsibility for the remaining expenses which will be an added burden for them.

Insurance Premiums are Now Affordable

Not everyone is aware that many insurance companies are now making sure that most people, mainly minimum wage earners, can access affordable policies for themselves and other family members. You can also get additional protection for your home, car and even your valuables in case of fire and calamity by obtaining general insurance.

It Offers Flexible Payment Options

Since more and more people are being encouraged to get different policies, most companies have made it a point to provide their products and services at a more affordable price.

You have the option to choose your policy plan depending on how much money you can afford so that it will not have a significant impact on your current expenses. You can choose to pay monthly, quarterly or annually. If you are having second thoughts about getting insured do not hesitate to speak with a licensed financial advisor, like Oak financial advisors Perth, who can help you decide on which package to get.

To earn extra money that you can use for future needs you can grow your wealth through investments and the stock market. You might want to check out Variable Unit Life Insurance or VUL as an option. Before choosing a policy make sure that you are a hundred percent committed to paying for the premiums to avoid cancellation of the plan and potentially losing the invested money.

Image: https://cdn.pixabay.com/photo/2018/08/01/16/13/american-3577500__340.jpg