off grid solar

Iron Duchess mine in South Australia could soon be a pumped hydro plant

ARENA (Australian Renewable Energy Agency) announced that they will be supporting a feasibility study to assess the potential to turn a mothballed mine in South Australia into a 90MW pumped hydro energy storage (PHES) plant.

On behalf of the Australian Government, the agency is going to commit $500,000 to GFG Alliance to begin the first phase of establishing the technical and commercial feasibility of bringing a disused mine site in the South Middleback Ranges to be a potential PHES power plant.

The $1.7 million project will explore the possibility if the existing mine pit of “Iron Duchess North” could be used as a lower reservoir for a PHES plant, creating an estimated capacity of 90 MW and 390 MWh of storage.

Expected to be completed by late 2018, the first stage of the study will be about the high-level designs, engineering studies, network studies, geotechnical investigation, market modeling and commercial evaluation.

The $170 million Middleback Ranges PHES plant could be built by 2022 if successful.

off grid solar

off grid solar

ARENA CEO Ivor Frischknecht said the feasibility study was the first stage in assessing possible sites to store South Australia’s growing renewable energy generation.

“South Australia has ideal wind and off grid solar power resources to support large-scale renewable generation, so we will need energy storage options to harness and store this capacity so it is available at all times.

“We are excited to explore the potential of old mining assets being turned into renewable energy storage which can provide dispatchable and reliable power,” he said.

Alongside feasibility studies into other pumped hydro across Australia including Snowy 2.0, Hydro Tasmania’s Battery of the Nation projects and EnergyAustralia’s proposed seawater PHES project at Cultana, ARENA is also providing funding to support the Kidston hybrid solar and PHES project in a mine in Queensland.

“We thank ARENA for its support to this important project. This unique pumped hydro storage project is a great opportunity for SIMEC ZEN Energy (part of GFG Alliance) to obtain real-world insights and apply the learnings to offer expert energy contracting solutions to customers seeking secure, affordable and low emission energy to transition through their current energy challenges,” says SIMEC ZEN Energy CEO Geoff Titus

“We look forward to working with Liberty Onesteel in the first instance on the benefits this project will provide, and then establishing partnerships with other large energy users across Australia seeking a new way of contracting energy for their long-term success.”

Titus also said that the project would offer many benefits for the company and residents.

For more detail click here

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driving instructors Brisbane

Affordable Driving instructors & Lessons in Brisbane

Finding good Brisbane driving instructors Brisbane can be challenging, as there are many in the AU. Though there are many driving instructors in Brisbane, not all of them offer high quality driving lessons in Brisbane. Irrespective of their experience level, all of them claim to offer the best lessons. Therefore, it is our responsibility to spend enough time to find the best instructor.

When you are trying to find your driving instructors Brisbane, you must look for certain qualities.

The first factor to take into consideration is the experience of your driving instructor. He should have enough experience as a driver before you can consider him as your driving experience. Secondly, your instructor should have passed all the qualifying exams and have the necessary certification and license to operate as a driving instructors Brisbane. Thirdly, it is not enough to just have the required certification. Your instructor should also have enough experience as a driving instructor besides being an experienced driver. The next important factor should be easily approachable and friendly. Your instructor should be capable of imparting all the necessary skills and theoretical knowledge to their students. They should give priority to their student’s safety and above all, their driving lessons in Brisbane should not be too expensive so that you can afford them.

driving instructors Brisbane

driving instructors Brisbane

If you are wondering whether you will be able to find a reliable instructor with all the above qualities, then you do not have to go too far. Driving instructors in Brisbane are probably the best. They possesses each of the above qualities that you are looking for and more. You will certainly not regret choosing as your driving school.

You should never take your lessons lightly as driving is one of the most essential life-skills. There are many people who even make their living through their driving skills. If you want to attain a high level of expertise in driving, you should have a good foundation and for that, you need to have a good driving instructors Brisbane. Will certainly be the best fit for such needs.  Instructors are very friendly and polite who offer great instruction skills. With their driving lessons, you will never have to worry about your driving test and the theory exam. You will be prepared well for both driving test and the theory exam and the driving lessons will not merely concentrate on passing you’re driving exams. The lessons will make driving second nature.

Instructer has a unique style of instructing their students, which elicits a great interest in their students. They use a well maintained vehicle. As their top priority is your safety, they use only dual control vehicles. Though they use dual control vehicles while they instruct you they doe not intrude unless it is absolutely necessary to intervene. They have flexible timings to suit your specific needs and availability. If you need, you can even opt for crash courses and complete your driving lessons in a much shorter period. Whether it is regular driving lessons or crash course, you will get complete instructions that are required to make you an excellent driver and to help you pass the driving test and the theory exam. Crash courses are just meant to offer intensive driving courses to help you manage your time more easily.

For those who like to brush up their driving skills or to enhance their driving skills also offers pass plus lessons. If you are thinking that with all these qualities, are expensive, then you are wrong. Instructor are very competitively priced so that everyone can afford them.

All instructors have gone through driving instructor training from driving schools in Brisbane. They are part of driving school franchise. This should give you a great backing for the quality and the professionalism. You will not be able to find driving instructors Queensland with such high credentials. Go ahead, book your driving lessons with Instructor, and start enjoying your lessons. Highest standard driving lessons at most affordable prices.

Driving should be a pleasurable experience and that is what we aim to achieve as well as getting you to your goal, from learner driver to NEW DRIVER!

All instructors use dual-control vehicles and our instructor cars are replaced every 3 years with a brand new car, to give learners a smooth, reliable drive. In the unlikely event there are any problems with the car, it will be replaced within 24 hours making sure you don’t miss any tuition or, even worse, your test.

Not only are all instructors DSA approved, they also take a friendly patient approach to teaching you to drive. We believe the more you can relax the more you can learn. And if you enjoy your lessons, you’ll build up your confidence and your driving skills more quickly.

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Reality Gaming

Reality Gaming

With the next-gen gaming consoles tapping into an online gaming market that has existed for many, many years on the PC front, gaming squads are arguably more popular than ever. For most, it’s just about hanging out with some people or being part of the most kick-ass team and getting some big wins under the belt. Whatever way you chop it up, people are in these squads for selfish reasons, matters of the go. Perhaps they want attention, good stats, or want to make a living out of professional gaming. Motives vary all the time.

The nasty trend is this: you see many faceless gaming squads that come and go every day. People leave solid squads where they may be appreciated and truly needed, just to make their own squad and get the ego rush of being able to boss people around. It is on that end that many clans fail: there is too much ego and the clashing becomes inevitable. Note that I use clan and squad separately. It’s all a matter of your principles: clans have ideals that go beyond just competing or owning in any single game. They are bound by friendship, building up a rich legacy and history, and always establishing a principle-based leadership. Many gaming squads lack real principles: it’s all about getting the best stats, dominating other clans, and perhaps employing the latest exploits to keep your competitive advantage significant. To me, a clan, whether new or old, big or small, multi-game or single-game is only as good as it’s leadership. Again, this nasty ego thing comes up. People mistakingly assume that leadership is all about making people fear you and blindly follow anything you demand. The truth of leadership is that it is probably a more about listening than it is talking. It is true that some people need to be micro-managed, motivated, and even commanded but, in most cases, people respond better to positive reinforcement and mutual exchange than they do drill-sarge-style screaming.

By many standards, I can be considered a newb simply because I don’t take gaming very seriously. I have fun with it and I try to make sure my guys do too. Our clan, Supreme Reality Gaming, is meant to be a clan that doesn’t take itself seriously in the sense that we know to have fun and still compete, stay organized, and keep the order. Sure, we get our fair share of eager beavers and know-it-alls but, with time and wisdom, systems and processes become a lot more turn-key and intuitive so things operate smoothly. I wouldn’t say I am one of the best leaders but I’ve learned the worst things to do as a gaming clan leader and some things that seem like “common sense” are really not regarded as such.

Reality Gaming

Reality Gaming

I’d like to share some quick tips on what a clan leader should and should not do if he cares about the longevity and happiness of his clan. First and foremost, do not start a squad for the wrong reasons. This means that you should not make a squad just cause you to want to feel important, be cool, or try to steal players from other clans. Such squads fail in the long run simply because they never really mesh. You have to have goals if you are making a squad. Goals set the pace and tone for your squad and give you a direction to go in.

You need to manage your expectations and those of your clanmates as well. This is huge. If you only plan to get a bunch of people that like hanging out together, matching personalities should be a major focus and skills should definitely be secondary. If you want to do that but also remain competitive, you have to make sure your guys know the unique culture you are building up so no one questions the guy that pretty much sucks but likes to hang around and is probably very active regardless of competitive efforts. Most importantly, if you are trying to form a pro team, you have to be ready to make sacrifices and probably lose some friends, if you are not careful at least.

The trend now is for any major clan to have multiple tiers and squads. I believe this is only a good thing for a leader to do if they can truly identify other leaders in their squad. Many people want to lead but what they really know how to do is manage/boss, which is completely different. The responsibility of being a leader is much greater than what 90% of people that start clans are ready for.

Here’s another big tip for clan leaders: do not be fooled into thinking that just creating a tag, having a website, and being on ladders means you have a real clan or even a squad. Keeping members engaged is all about creating a solid foundation where communication is a major focus. You need to have a clear chain-of-command so that there are not too many chiefs and not enough Indians. You also have to groom your top, most active guys to become leaders. Hopefully, they really internalize what the squad is about but, be ready, most people that join a squad will inevitably leave because of simple reasons: boredom, they don’t know what they want, or their ego is not being stroked enough.

I mentioned positive reinforcement and I will elaborate on this because it leads to some other important tips. As a leader, patience is not an option. You’ll run into different types of people so clashes are inevitable. Once again, managing expectations becomes a huge strategy as you make sure that everyone knows what are the optional traits to possess and what values are considered core in the squad. Establishing these core values will only happen if you build good relationships. Make yourself approachable by never scolding someone for sharing friendly advice and constructive criticism. Practising an open door policy is key, especially if you designate key liaisons and provide them with multiple means for reaching you, in case you are not “online.” Positive reinforcement is not just about giving people patting people on the back when they do well, it is about making people feel like an integral part of the group and helping them identify their strong points. When you focus on the good things people do, you can get them in a comfort zone where they can naturally start to eliminate their bad habits.

On the matter of patience, a clan leader needs to be ready to get bombarded, disappointed by the performance, annoyed with inactivity, and even ridiculed at times. Every clan has black sheep and bad moments so you have to not only be ready for this but expect at any turn. I feel that the worst thing that people do as clan leaders is scream at their guys when they messed up, rather than pointing out what they did well and how they can use that to their advantage next time. I don’t know many people that like to be screamed at and belittled yet this is the style of leadership you’ll often see, sadly. It’s boot camp all over again.. Where’s the fun in that?

Leadership is a tricky thing. Leaders get criticized regardless. It’s a love-hate thing most of the time. Some will adore you, some will deplore you, and some will you out. Being a leader is actually hardly ever glorious and that’s the truth. You need to have a giving attitude and realize that your efforts will not always be reciprocated. This is the price to be paid. I reiterate this: reasonable expectations are critical for yourself and your guys. Everyone needs to be ready to pay the price because a clan is like a squad: it’s not going anywhere without something to fuel it. w3rd.

All metaphors and fluff aside, I can’t stress enough how tough it really is to run a clan. My kudos go out to any team leaders that have squads running for over a year; hell, these days, 3 months is a huge milestone. Let’s not even talk about keeping a vital core. Like I said, leadership is huge in a clan but it’s not about those that have been designated as leaders or given titles, it’s about the collective effort and how many people take ownership, pride, and dedication into everything they do. That stuff about the chain being only as strong as it’s the weakest link is very true.

Leadership is a topic I am very passionate about and I can go on about it forever but the point is that you can never be a perfect leader. It’s an ongoing process. Every day I find myself taking notes from other fellow leaders and re-evaluating my methods. Everyone is bound to lose their cool at some point but there are no true failures until one completely gives up. In the end, if you want to lead a gaming clan you have to make a few simple decisions: do you want to have fun or do you want to compete seriously? Can you do both? Sure but that leads to this important question: are you willing to pay the price? It’s one thing to say you want to do something or have dreams but you need a plan or it was all just talk.

Indeed, gaming has turned into serious business (hence the growing number of professional, sponsored teams, and people that think they’re THAT good) so, if you do not want all the headache, join an existing squad in arcade toronto. A clan should only be established once there is a strong core and if there are a unique enough culture and spirit. When joining a gaming squad, make sure that you are the kind of person they are looking for and that you like what that clan is about: their culture, their goals, their history, their outlook, etc. Even the most casual of gamers should be wary not to make a poor decision and just put on a tag. A tag does not make you a clan member. w3rd. Stick that in your pipe and smoke it.

2008 UPDATE: There’s a concept some call “magnetic sponsoring” that I think is very relevant to clan leadership. Recruiters become leaders and example-setters in their own regards. It’s important for those people to become the things they want to see in their prospect. In that manner, you can attract the right people. This also applies to people that want to be scouted by the right clans. I’ve seen some of the biggest, most successful clans out there take a gamble on people based almost completely on personality. Why? Skills can be developed but an asshat is quite hard to turn around!

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team building games

Importance Of Team Building Games

Anyone who has worked in the corporate world may have participated in training related to team building activities and games, such workshops include some team building games and some part of the content is presented in the form of lecture. Most of the business owners feel that such activities have a lot of benefits for team building. The employees are an asset to any organisation.

Companies spend a lot of money on selecting their team building program. It is important to spend the funds on out of the box ideas and planning for team building games. There are many companies that offer training arrangement and take care of everything. Avoid experimenting with games and hire the best agency to plan the team building games based on your requirements and objectives. Choosing an outdoor team building activity and games can be a good idea as the employees would feel refreshed. Playing in a different environment would make the staff members feel good.

team building games

team building games

A scavenger hunt is a popular team building game that involves a group of people working together towards a common goal. Each team is givengibe a list of items to be located and the group determines how the duties are assigned. Each person in charge has to find the items and all employees work together but they are given different tasks.

Benefits of team building games

Health has become a major concern in the corporate world these days. Obesity is a common problem nowadays and it gives rise to health issues and concerns like heart disease, stroke, and stress. Team building games can help the employees get stress-free. When the employees stay healthy and happy, one can expect better productivity.

It can be a good idea to plan an outdoor team game such as mini Olympics building activities. Summer activities like soccer, football, track and field, volleyball, and others can also be arranged to be a part of team building activities. Teams compete with each other and it needs a lot of strategic thinking and cooperation. Everyone is friendly and can gel well at work.

A good team building program can create a happy and healthy company. Studies have shown that employees that are happy and comfortable with each other in an organisation result in greater productivity and efficiency of the business. Once you engage the team members in such events, they would be happier and healthier. This would have a positive impact on the success and growth of your business.

Once you have decided to hire the right company for planning team building activities, you can talk to a few industry experts to get an idea about their service offerings. To make the learning more fun, you can ask the professionals to add an element of humour. The participants should be able to build effective relationships with the other team members so that they can work comfortably when they get back to work.

LevelUp Reality is a one stop solution for team building games and activities in toronto. The expert professionals plan the best games to increase your business efficiency.

Make your workplace productive with the right kind of team building games. There are many companies that can plan and arrange effective team building events to make your employees feel comfortable with each other and gel well.

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VR arcades in toronto

Best HTC Vive Games

Virtual Reality! It’s as Interesting as it sounds. Imagine no more boring laptop screens and transforming any place into a battlefield or a park. Now that we know about VR games and its interesting features, let us get to know more about one of the top most discussed VR game developers, HTC Vive. Developed by HTC and Valve Corporation, It was released very recently in the year of 2016 in April. The HTC Vive  is a virtual reality headset which has the ability to turn your living room into a 3D VR arcade. This amazing invention takes you into a different virtual world where you can interact with the newly developed spaces and characters naturally. Walk, speak and interact all naturally!

HTC Vive will make anyone travel beyond their imagination. This awesome tool lets you do things which you never thought you could! Want to be in the war zone and shoot the heads of your enemies? Wish to get into a real supercar and drive at the top speed? Want to throw a stone at a stranger? Now say yes to all of these with HTC Vive. Transform your boring life into a dream world. Let us get to know some of the awesome games for you to enjoy with HTC Vive. LevelUp Reality has the latest technology in HTC Vive and is one of the best and top rated VR arcades in toronto where you can explore new worlds playing the following games:

VR arcades in toronto

VR arcades in toronto

  1. Vanishing Realms
    Vanishing Realms
VR arcades in toronto

VR arcades in toronto

You are The Legend of Zelda, playing his role according to your movements! A short but an enthralling game. You can take the sword and kill all the undead knights, and hunt them in creepy stoned wall buildings! Swing the sword and block the attacks all by yourself. This game is going to be one of the most thrilling games for you to play. Explore through teleporting and your space will become your battle zone!

  1. Space Pirate Trainer
    Space Pirate Trainer
VR arcades in toronto

VR arcades in toronto

This game is developed for any gamers who love shooting. Don’t get scared when blaring lasers come to you from all directions of the battlefield! When a group of drones come to attack you, you have to fire at them with your laser guns, and also defend yourself using the shield you possess. It’s such an addictive game once you get your shooting fever on.

  1. The Lab
    The Lab
VR arcades in toronto

VR arcades in toronto

A visit to the LevelUp VR arcade will have you exploring The Lab. This game is basically a group of seven to eight games included in one single game. Each game is short but entertainment is guaranteed! This is developed by the developers of HTC Vive themselves and is the best game to get introduced to HTC Vive as it presents before us all the basic concepts of Virtual Reality gaming.

  1. Hover Junker
    Hover Junker
VR arcades in toronto

VR arcades in toronto

This multiplayer shooting game is for all who wants to experience a different level of shooting thrill. A very thrilling game which allows you to move around your room but still feel like you’re chasing your enemies on a hovercraft! This awesome tool gives you a greater locomotion, out of your rooms.

  1. Tilt Brush
    Tilt Brush
VR arcades in toronto

VR arcades in toronto

What about drawing in three dimensions? Sounds interesting, hmm?  Developed by Google, this great app lets you draw your imaginations and walk around watching them. This can be extremely trippy as it has many tools for you to make it look like psychedelic images. Get high on drawing and have the ultimate fun!

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Pastor Chris

The Mirror Principle

As Christians, we’re called to live and act like God. How is that possible? You might want to ask! This has been made possible through the mirror principle of the Word. The Word of God is the mirror of God. The Bible says anyone who hears the Word and doesn’t act accordingly is like a man who sees himself in a mirror, turns around and forgets what he looks like (James 1:23-24). In other words, God expects you to hear His Word and do what it says.

The problem, however, is that many don’t know how to do the Word of God. Now, the mirror principle of the Word is that you see yourself as what God sees you be in His Word, and then act accordingly. It simply means acting the Word. For instance, in the Word, the mirror of God, He says, you’re a new creation in Christ Jesus. That is God’s image and reflection of you. See that image and endorse it. Act like it’s true; for it’s true. Again, He shows you in the Word that you’re the righteousness of God in Pastor Chris Jesus; see it so.

That’s His image of you. Seeing yourself in the Word, the mirror of God, and acting accordingly is the way to live in the reality of your inheritance in Christ. That’s how to enjoy all that God has made available to you in Christ Jesus. So keep looking in the mirror of God; keep studying and listening to the Word of God. As you do, you’ll be transfigured to become more and more like the glory you see in the Word. This is the mirror principle of the Word.

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life-insurance

What Is The Difference Between Term Life And Whole Life Insurance?

Should I buy Term Life Insurance or Whole Life Insurance? What’s The Difference Between Term Life And Whole Life Insurance? When it comes to life insurance, these are the most frequently asked questions. Neither is really ‘better’, per se, but each type of policy serves its own purpose and has its own advantages and disadvantages. To see your options please feel free to click on the “View Your Quotes” button above. Please use our free calculators to determine how life insurance you may need to protect your family.

Let’s start with term life. Term life (sometimes referred to as temporary life insurance) is probably the most commonly purchased type of life insurance, mostly because it is also the least expensive. A mutual of Omaha term life insurance policy is only meant to cover a person for a specific period of time (the term). Term policies are typically issued in 10-, 20- and 30- year increments, with the shorter term policies being less expensive than the longer. On most policies, the premium is locked in for the length of the term.

Term Life Insurance Example

A 10- year term policy, for example, will have a fixed premium and pay a fixed death benefit to your beneficiary if you pass away within 10 years after purchasing the policy. If you are still alive after 10 years, then the policy lapses, you are no longer insured, and you get nothing back (term policies typically do not have cash value accumulation). If you still need life insurance, you start from scratch. Considering will be 10 years older, the premiums on your new policy will likely be much higher. You also face the risk that your health could change, and you may no longer be insurable in 10 years.

What Happens to the Policy When the Term Ends?

Most companies will give you the opportunity to keep the policy after the term ends; however, the premium is no longer fixed and will increase dramatically each year that you keep the policy in force. Most insurance companies will also give the policy owner the opportunity to convert all or a portion of their term life policy to whole life (or another form of permanent life insurance) at a higher premium. There is often an age restriction on converting.

What Is Mortgage Protection Insurance?

Term life policies are often purchased with a specific purpose in mind. People often purchase term life when they buy a home so that their spouse can pay off the mortgage in the event of their death. Once the mortgage is paid off, there is no longer a need for the insurance, so therefore the temporary nature of this type of policy is practical. This is often referred to as ‘mortgage protection’ insurance.

How Does Term Life Insurance Help My Family?

People also tend to purchase term life when they have children since their children will usually be financially dependent on them for the first 20 years or so of their lives. A 20-year term policy may be ideal or a new parent without a great deal of expendable income (to purchase whole life) but who would like a policy in place to make sure their kids are taken care of monetarily should a parent pass away before the child is an adult. Again, this is a temporary need, since once the child or children are grown, they are no longer financially dependent, and the insurance need is no longer there.

Whole Life Insurance Is For Your Whole Life

If Term Life is like renting an apartment, then Whole Life is compared to buying a home and enjoying the benefits of ownership. Whole life insurance, on the other hand, is a permanent form of life insurance. There is no term length, and it is designed to insure a person for their entire life. While this does sound ideal compared to the temporary nature of term life, the biggest disadvantage is cost. Whole life is considerably more expensive than term life.

life Insurance

How Does Whole Life Insurance Coverage Work?

Most companies will offer multiple payment options on whole life insurance. For example, they may offer a 10-pay or a 20-pay whole life policy. That means that you only pay premiums for 10 or 20 years. After the pay period, no more premiums are due on the policy, and the policy stays in force until your death. If you pass away before the pay period ends, the full death benefit is still paid, and no more payments are due.

Some carriers also offer single premium whole life insurance, where you pay a single lump sum upon purchasing the policy, and you have a policy in force for your entire life with no further premiums due.

Whole Life Insurance can be Part of a Financial Plan

Another advantage of whole life is cash value, which accumulates within the policy over time, and can be borrowed against by the policy owner as a source of funds. Within the policy, these cash values grow tax-deferred. Policy loans will decrease the cash value and death benefit of the policy. Whole life cash value tends to accumulate slowly within the first few policy years, and then start to accelerate as time goes by. Upon purchasing whole life insurance, your agent is required to provide you with an illustration which shows how the cash value and death benefit of a policy will change over time.

Term or Whole Life Insurance-Which Is Better?

As you can see, both term and whole life have their advantages. Which one is better depends on the situation of the individual purchasing it? Term life is by far the less expensive option, but is not permanent, and does not have as many benefits. While whole life will cost you more, the permanent death benefit and cash value accumulation might be worth the extra premium for some people. In any case, talking to a professional and weighing the differences before making a decision is a good idea.

Term Life

  • Inexpensive compared to whole life
  • Premiums are fixed for a period of time
  • Ideal for someone with a temporary life insurance need (such as dependent children, mortgage)

Whole Life

  • You cannot outlive the death benefit
  • Accumulates cash value, which can be used by the policy owner
  • Much more expensive compared to term insurance
  • Premiums will never increase

To find out about other lower priced options available to you, please click on our “View Your Quotes” button, in addition, you can speak with a licensed agent by calling  866-936-3831. Gary W Blackmon is helping customers from California to New York find cheap life insurance.

When it comes to life insurance, this is the probably one of the most frequently asked questions. Neither is really ‘better’, per se, but each type of policy serves its own purpose and has its own advantages and disadvantages.

Let’s start with term life. Term life (sometimes referred to as temporary life insurance) is probably the most commonly purchased type of life insurance, mostly because it is also the least expensive. A term life insurance policy is only meant to cover a person for a specific period of time (the term). Term policies are typically issued in 10-, 20- and 30- year increments, with the shorter term policies being less expensive than the longer. On most policies, the premium is locked in for the length of the term.

Term Life Insurance Example

A 10- year term policy, for example, will have a fixed premium and pay a fixed death benefit to your beneficiary if you pass away within 10 years after purchasing the policy. If you are still alive after 10 years, then the policy lapses, you are no longer insured, and you get nothing back (term policies typically do not have cash value accumulation). If you still need life insurance, you start from scratch. Considering will be 10 years older, the premiums on your new policy will likely be much higher. You also face the risk that your health could change, and you may no longer be insurable in 10 years.

What Happens to the Policy When the Term Ends?

Most companies will give you the opportunity to keep the policy after the term ends; however, the premium is no longer fixed and will increase dramatically each year that you keep the policy in force. Most insurance companies will also give the policy owner the opportunity to convert all or a portion of their term life policy to whole life (or another form of permanent life insurance) at a higher premium. There is often an age restriction on converting.

What Is Mortgage Protection Insurance?

Term life policies are often purchased with a specific purpose in mind. People often purchase term life when they buy a home so that their spouse can pay off the mortgage in the event of their death. Once the mortgage is paid off, there is no longer a need for the insurance, so therefore the temporary nature of this type of policy is practical. This is often referred to as ‘mortgage protection’ insurance.

How Does Term Life Insurance Help My Family?

People also tend to purchase term life when they have children since their children will usually be financially dependent on them for the first 20 years or so of their lives. A 20-year term policy may be ideal for a new parent without a great deal of expendable income (to purchase whole life) but who would like a policy in place to make sure their kids are taken care of monetarily should a parent pass away before the child is an adult. Again, this is a temporary need, since once the child or children are grown, they are no longer financially dependent, and the insurance need is no longer there.

Whole Life Insurance

Whole life insurance, on the other hand, is a permanent form of life insurance. There is no term length, and it is designed to insure a person for their entire life. While this does sound ideal compared to the temporary nature of term life, the biggest disadvantage is cost. mutual of Omaha whole life insurance is considerably more expensive than term life.

How Does Whole Life Insurance Coverage Work?

Most companies will offer multiple payment options on whole life insurance. For example, they may offer a 10-pay or a 20-pay whole life policy. That means that you only pay premiums for 10 or 20 years. After the pay period, no more premiums are due on the policy, and the policy stays active until your death. If you pass away before the pay period ends, the full death benefit is still paid, and no more payments are due.

Some carriers also offer single premium whole life insurance, where you pay a single lump sum upon purchasing the policy, and you have a policy in force for your entire life with no further premiums due.

Whole Life Insurance Can Be part of a Financial Plan

Whole life is cash value, which accumulates within the policy over time, can be borrowed against by the policy owner. Within the policy, these cash values grow tax-deferred. Policy loans will decrease the cash value and death benefit of the policy. Cash value tends to accumulate slowly within the first few policy years, and then accelerates as time goes by. Upon purchasing whole life insurance, your agent is required to provide you with an illustration. How the cash value and death benefit of a policy will change over time is shown in the illustration.

Term or Whole Life Insurance-Which Is Better?

So now how would you answer: What Is The Difference Between Term Life and Whole Life Insurance? As you can see, both term and whole life have their advantages. Which one is better depends on the situation of the individual purchasing it? Term life is by far the less expensive option, but is not permanent, and does not have as many benefits. Whole life costs more, however, the death benefit and cash value accumulation is worth the extra premium for some people. In any case, it’s a good idea to talk to a professional and weigh the differences before making your decision.

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Blues-Backing-Tracks

Beginning Blues Guitar Lessons Instruction System

Do you wish to discover how to perform the guitar? If so, take a look at this Series of Beginning Blues Guitar Lessons Instructional Courses. This program is fairly comprehensive and ultimately you’ll have learned all facets of your Guitar and how to play it as if you had been playing, for all of your life.

There are numerous self-learning videos tutorials that will train you how to play your guitar, and many of them tend to be rather intense. They provide you with a detailed understanding directly into what’s genuinely required to play your guitar well enough to be able to appear as a professional. This Series of Beginning Blues Guitar Lessons offers something different. You’ll discover a variety of inside information tips on guitar playing and the seriously powerful techniques you can possess.

Guitar Lessons

The advantage in taking up this Series of Beginning Blues Guitar Lessons Instruction Course is that you can learn to play the guitar, at your own pace. No need to take time off work, or from your hectic schedules to learn how to play blues guitar. Play it as and when you find the most convenient time you see fit. When you start learning to play the guitar, you’re best guided when you are taught about every aspect of the guitar. This course informs you about various features of the guitar and this is done for both the acoustic guitar as well as the electric guitar.

Most blue songs have a pattern and if you learn that, you can play them smoothly. This course gives you details on the 12 blue bars which constitute the sounds in most blues songs. You are taught this aspect clearly so that you pick it up well and you can play songs sooner than you ever expected to do so. Another important thing that you need to be aware of is… the “blues jam” riffs. You can find information on this given, in a structured and easy-to-understand way.

Strumming is something that learner’s find difficult to grasp right away. This Series of Beginning Blues Guitar Lessons Instruction Course makes strumming really easy to pick up. It teaches you strumming through a unique technique and this helps you recognize rhythms and put them into strum patterns quite easily. Another thing that you need to be aware of is how to pick the guitar. You have to know how to do this in both directions and efficient instructions on how to do this can make all the difference in how well you learn to play the guitar.

Unlike other courses where once purchased, you cannot return, this Series of Beginning Blues Guitar Lessons Instruction Courses gives you the chance to learn 7 days a week… 365 days a year. If you are unsatisfied with the course in any way, you can return the product with NO questions asked.

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Walk In Cooler Door service

Things You Should Know About Walk In Cooler Door Repair

The uses of Walk In Cooler Door Repair around the globe has been increasing rapidly in recent years. With the existing belief that drinking bottled water is better for your health, many people spend money on installing a ware cooler dispenser of any type in their homes or offices. Before you decide whether or not you should do the same, make sure you are aware of the many factors involved in the production and consumption of water bottles and what’s inside.

Free of dealing with problems in public water supply systems, such as rust, shear, corrosion, cracks, leaks and so on. Independent source of water in the cases when a water regime or malfunction is present in your area, such as shortage of Walk In Cooler Door Repair supply, lack of pressure or clogged main pipes.

Walk In Cooler Door Repair

Walk In Cooler Door Repair

Nearly half of the brands claiming to be selling pristine, purified, natural, healthy water propagate nothing more than tap water, sometimes treated additionally, at a substantially higher cost per gallon. While municipal tap water is regularly tested by Environmental Protection Agency and cover high standards, bottled water is not as these institutes have no authority over private water businesses. Around 90 % of the used water bottles are thrown into regular trash bins at the expense of greater costs for the environment. The material Walk In Cooler Door Repair, used to make a water bottle, wastes up nearly 3 times more water to make than would ever fit in a bottle!

Walk In Cooler Repair production and the truck delivery of bottled water end up in air emissions that poison the air as well as adding to the overall cost because of the fuel consumption. As you can see it really is a matter of accessibility and saving time, versus environmental care and awareness. With the increasing popularity of glass-made water bottles some of the issues are being resolved.

Although heavier than plastic ones, they are 100 % safe and cost much less to produce. In the end, whether or not to use a water cooler dispenser is a personal choice to each one of us and something that would continue to create debates in the future. But if you go with the feed back given by the people, there is no reason which prevent you from using it. So just go ahead and check various benefits of Walk In Cooler Service refrigeration commercial repair.

I am sure that all of you there must be knowing about Walk In Cooler Door Repair. They are really dominant these days than ever. Moreover they are nowadays a necessity rather than a luxury. Bur people find themselves confused that which water cooler dispenser to choose and which to not. Don’t worry you will get the solution here only. Water coolers typically fall into one of two categories; bottled and bottle less. The look of the typical water cooler dispenser has changed drastically in recent years, from bulky eyesores to sleek and stylish fixtures that blend into the decor of any type of home or office. These exciting new designs are featured in a wide variety of colors including natural wood finish, gold and stainless steel. They are an attractive and functional addition to any home or office.

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HIPAA Data Breach Notification

Reasons Why You Cannot Learn HIPAA Data Breach Notification Well

It’s widely accepted nowadays that ‘being ourselves’ is one of the keys to personal happiness. It is also essential to effectiveness in the workplace, at home, and in our personal lives. In this article, I outline five reasons why I reckon it’s more difficult to ‘be yourself’ than ever before. In a subsequent article, I will deal with how we can increase our self identity and develop our own unique authenticity. Developing our understanding of the five reasons will help us deal with the dilemma of ‘why am I so miserable when I’m so well off’. The five reasons come down to a mix of the pressures of career, and the pressures in life, which threaten our own self identity.

With HIPAA/HITECH compliant encryption and server technology reinforcing the benefits of superior STaaS abilities, CDS also engages in proactive compliance to future changes involving strict HIPAA Data Breach Notification rules and regulations. Validating our qualifications to customers by hiring professional consultants who consistently examine the accurate conformability of CDS standards to government standards is and always will be our top priority.

HIPAA Data Breach Notification

HIPAA Data Breach Notification

Your practice’s valuable data is stored redundantly in, Type II backup centers geographically distant from each other. Both centers are certified and equipped with 24/7 monitoring services supported by high-tech security methods that include biometric controlled access systems. 3 Reasons Why a good Data Backup Partner is important to your Disaster Recovery Plan. Eliminate The Embarrassment of Regulatory Audits Eliminate Notifying Your Patiences Publicly. Eliminate Being On The HIPAA Breach List For Life

Finally, an easy to use service for all your HIPAA Data Breach testing needs. An industry best solution, HIPAA Test Data solves the complicated and time-consuming effort of HIPAA test planning, test files, expected results and EDI validation. Our solution takes away the dependence to learn EDI test file generators or take costly training classes. We have greatly simplified the complexities involved with HIPAA transaction testing and certification. This is the only solution of its kind and the only one you will ever need.

From complete test file packages, customized test file creation, test plans and test file editors to EDI validation, we have everything you need to effectively enable your organization with the right tools and processes to test your application systems for HIPAA compliance.

Everyone involved in implementing HIPAA Data Breach Notification Transactions and Code Sets knows that creating test plans, test files and proper test execution is a complicated and time-consuming effort. Our test file and test planning service helps alleviate the problem of insufficient test data, inaccurate test files and tedious manual creation of files. All types of files can be generated; large and complex, compliant and non-compliant, with both positive and negative test conditions. You will know exactly what conditions you are testing and the expected outcomes.

Our testing packages and solutions provides our clients superior ROI over any other vendor or in-house solution. We welcome the opportunity to partner with you for all your testing planning, test file creation, EDI validation and certification needs. Everyone involved in implementing HIPAA Transactions and Code Sets knows that creating test files is a complicated and time-consuming effort. HIPAA Data Breach Notification represents the largest test data repository in the nation with over 100,000 test files representing every HIPAA transaction.

Test file services help covered entity’s alleviate the problem of insufficient test data, inaccurate test files and most importantly the tedious manual creation of files. All types of files can be generated; simple and complex, compliant and non-compliant, positive and negative, and pre-made or customized with your internal data. As with any test file, you must know exactly what conditions you are testing and the expected outcomes. Test files are available in pre-defined and customized solutions using our de-identified Health Data Breach or your internal proprietary data requirements. We work with you to determine the best solution for creating a successful test effort allowing covered entities to get the most of their test efforts.

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