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by: Gerald Meyer

If you are overweight, you may be more at risk of developing disease. That should be reason enough to lose weight. Weight related conditions include:

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Obesity can also cause irregular periods, complication with pregnancy, hirsutism (excessive body and facial hair), incontinence, depression, surgery complications and more.

If your health doesn't concern you, maybe your pocketbook does. By staying overweight, you may increase the amount of time spent visiting various healthcare professionals. Most of them don't work for free. Medications to treat these diseases can run into hundreds of dollars a month. Not to mention, you may have to take more time off work to care for your ailments. This means less income for you. And, you may notice that your health insurance premiums keep going up. It's because the amount being spent on healthcare keeps going up. A majority of which is related to treating problems that could be prevented by exercise and staying at a healthy weight. What a vicious cycle it is.

The annual cost associated with obesity and being overweight is staggering. The national cost of healthcare related to this is well over $100 Billion dollars. Diabetes and heart disease are among the fastest growing diseases that could easily be prevented in most people by staying at a healthy weight and exercising. Visit the NIDDK to get a breakdown of the costs associated with each disease that is related to being overweight.

By losing weight and starting a healthier way of life you can really save a lot of money. Eating healthier usually also means eating less. You may be able to save on the amount you spend on groceries and eating out each week too. Think of all the other things you could do with that money you'll be saving. It may require an initial investment to get the weight off but the rewards are well worth it.

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Paid Surveys Online - An easy way to make money online?

by: Shaj Mohamed

Paid surveys are being promoted as an easy way to make money online. Some ads promise you up to $250 per hour for taking paid surveys. Are they realistic? Can one really expect to earn that much money from online paid surveys? Let us find out the answers to these questions.

Such advertisements are usually put up by paid survey database companies like Surveyscout. They charge you for giving access to a database of market research companies, often in the range of $30 to $60. They typically have 400 to 500 survey companies in their database.

Is it worth paying these companies to get access to such a database? Whatever information you get from these companies, you can get for free on the internet on many free online survey sites. Secondly, these survey database companies do not send any surveys by themselves, and you have to join each market research company in their database individually to get any surveys. In addition, most of the survey companies in their databases are good for nothing. Only about 40 to 50 survey companies are really worth joining.

What does this mean? If you are planning to try online surveys, you never have to pay anyone. You can get the list of the best survey companies for free on the internet. You can join them and get started.

Now let us take a closer look at on the rewards offered by paid online surveys. Survey companies can be divided into those which reward you with cash for each survey, those that give you points which can be redeemed for cash, and those which enter you into sweepstakes or prizedraws.

Survey companies that pay cash give $1 to $20 or more per online survey depending on many factors. This group includes many of the best survey sites like American Consumer Opinion Panel, Surveysavvy, Ciao Surveys, Greenfield online(Gozing) and Pinecone Research. You can expect to get 1 to 4 surveys per month from each site.

Surveys that reward you with points let you accumulate reward points which you can later redeem for cash or gifts. Some of the most reputed market research companies like Globaltestmarket, Opinion Outpost, NFO Mysurvey and Lightspeed Research reward you in this way.

Yet other companies enter you into draws for cash or gifts as reward for taking surveys. Although many people don't like this form of reward system, your chances of getting the prize is quite good as the pool to select the prize winners is usually small. Some good survey companies that follow this reward system are Synovate, NPD Research, NOP World (Surveys.com), ECN Research and Nielsen Netratings.

Another important factor which determines how much you can earn from online surveys is your profile, particularly your country. Generally residents of the USA and Canada can expect to make more money from paid surveys, as there are more market research companies operating in these countries. Also they get more frequent surveys. However, participants from other countries can also hope to make some good extra money from paid online surveys.

All said and done, the maximum earnings an average person can expect from doing paid surveys is not more than $200 to $300 per month. This can be a good source of extra income for some people. But the claims that paid surveys can make you rich or replace your real job are largely unfounded. Hence, it is always best to stay with free paid surveys.

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Term Life Insurance. What Is It All About?
by: Donald Lusan

What is term life insurance? You have an interest in buying term life insurance, that is why you are reading this article, and you want to know how it really works. Right? Well, there are many types of term life insurance and I am going to give you a brief explanation as to how each one works.

Decreasing Term Life Insurance

Decreasing term life insurance is very popular with home owners and mortgage companies. The homeowners want to know that the mortgage is paid off if they should prematurely die, and the mortgage company want to be assured that they are repaid the money loaned to the homeowner. The face amount of these policies decrease in a uniformed manner each year as the balance owed on the mortgage decreases, and the premium remains level. This is very inexpensive life insurance.

Increasing Premium Term Life Insurance

This is initially the cheapest term life insurance you can buy. The death benefit remains level for the duration, however, the premiums increase every year and as a result this may turn out to be the most expensive term life insurance you can buy. If you should purchase this policy it would be wise to convert to a level plan as quickly as possible.

5 Year Level Term Insurance

The face amount of this policy remains level for the entire 5 year period and so does the premium. Upon death the face amount is paid either in one lump sum or in the form of an income. If you have a short term need for life insurance, like covering a bank loan, then this may be the plan for you.

10 Year Term Life Insurance

Like the 5 year term life insurance policy, the ten year term life policy can be used to cover a bank loan, but it can do considerably more. It can be used for family protection and a myriad of other needs. The face amount of the policy remains level for the duration and so does the premium. Some companies allow you to continue the policy after 10 years with an increase in premium.

20 Year Term Life Insurance

The 20 year term life insurance policy is probably the most popular of term life policies. The death benefit remains level for the duration and in some cases so does the premium. With some companies, however, the premiums increase after the first 10 years to reflect the cost of the additional risk to which the insurance company is exposed as the insured gets older. All in all, the 20 tear term life insurance policy is fairly inexpensive and does the job it is intended to do.

Unlike whole life insurance, universal life insurance or variable life insurance, term life insurance does not have cash values or earn dividends. There is a fairly new type of term life insurance policy, however, called a return of premium policy which returns all your premiums at the end of the term period, if you do not die. The premiums are so high it may not be worth your while to buy this type of term policy.

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Web Hosting: Price vs. Quality
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As the Internet expands, demand for different web-hosting services increases proportionally. Additional numbers of people are joining the web world every day with personal sites for their business or organization. Many people choose low-cost solutions to host their web site, but it if your web site is important to you, you should consider quality as much as price.

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A well-established web host may charge more for the facilities but in the long run they may offer better and latest services complying with the trends in the market. Some high quality hosts even offers free add-ones and promotions. The features like free web site builder or support for MySQL databases ensure that the ultimate cost involved in building a productive website are a lesser amount. These facilities may not be available when one goes for a cheaper web host – or you may have to pay extra for them!

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Trends and Profitable Trading In The Forex Markets.

by: Adrian Pablo

The basis behind using technical analysis is to find trends when looking at the forex charts and be aware of when they first develop so you can ride the trend until it ends. The foreign exchange market is a very strong trending market, lots of ups and downs in short periods of time, and is, therefore, a place where technical analysis can be very effective.

But even considering the great amount of indicators available, there are still many traders every week who still end up buying (being "long") while the currency pair is in a basic downtrend, or selling short when a market is in a uptrend. This is, they end doing things backwards.

If you want to become a profitable forex trader you will need to use as many technical indicators as you want, or create a personalized trading strategy based off a combination of indicators, to recognize the trend. In other words, professional Forex traders try to identify the major trend, the intermediate trend, and the short-term trend and then construct their trades in that direction, based on how long their rules allow them to hold a position.

If the action of the market shows your judgment to be correct, the successful trader 'stays with the market' and endeavors to make the maximum profit on each trade, according to his/her risk-to-reward / equity management rules. If and when the market goes against him/her, the smart trader will take profits and get out. In a narrow market, when prices are not going anywhere to speak of, but move within a narrow range, there is no sense in trying to anticipate when the next BIG movement is going to be - up or down.

In short, if you want to be in good profitable terms with the forex markets you must follow this words of wisdom: “Never argue with the market, or ask it for reasons or explanations”.

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Mortgage vs. Real Estate Lead Generation -

by: Jimmy Sturo

It is fairly common for real estate companies and mortgage brokers to use leads. There is a difference between mortgage lead generation and real estate generation. Mortgage lead generation deals with people who need to refinance their homes or apply for loans, while real estate lead generation is a service that connects potential buyers with real estate agents.

Mortgage leads are generated in a number of different ways. One way to create the leads is for the lender, that is the mortgage broker, to appear in a paper or online directory. This lets potential customers make the first contact. The lenders give information about themselves, like the interest rates they charge and types of lending programs they offer, along with their contact information. This allows potential borrowers to search out the lender that is best for them.

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Tips for Saving Money on Car Insurance

by: Ray Shelton

Car insurance is required by all licensed drivers but many of them don’t know how to find the best rates available. Being complacent and purchasing car insurance without carefully investigating your options or maintaining the same car insurance for the remainder of your life could mean that you are paying too much for your car insurance. Comparison shopping, ensuring that you are receiving all the discounts you qualify for and maintaining a clean driving record are just a few of the money saving tips that can save you a fortune on car insurance.

Comparison shopping for car insurance, even after you are already insured, cannot be underestimated. It is critical that you investigate all of your options before choosing an insurance provider to ensure that you are getting the best possible rate on your car insurance. There are so many factors considered in car insurance policies such as where you live, your driving record, your age and the type of car you drive just to name a few. With all of these factors to consider, it is very possible that you will find that there is a car insurance provider who will offer you a considerably lower rate than other providers.

Even after you have secured insurance for your car, it is wise to periodically check the rates that other providers will offer you. Car insurance as well as your circumstances are perpetually changing and you may find that the provider who is willing to offer you the best car insurance rate varies periodically. Many car insurance providers offer a host of discounts to their clients who qualify for these discounts. These discounts can relate to your driving record, safety features of your car, your age or other factors.

These discounts can result in a tremendous cost savings on your car insurance policy but while many insurance providers offer these discounts, they don’t always advertise them. This means that you may have to do research to determine what type of discounts you may qualify to receive. Carefully, review your car insurance policy to determine which discounts you are already receiving and then contact your car insurance provider to inquire about other discounts that may be available. For example if your driving record is devoid of accidents or tickets, you may qualify for a good driver discount.

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Life insurance: why there’s no need to be a desperate housewife

by: Rachel Lane

Contemplating what may happen to your wife (or husband) and children if you die is not likely to be a thought you wish to contemplate. However, avoiding the issue may make life more difficult for your family after your death.

Life insurance looks set to make a comeback in the UK, after a period of neglect by consumers who were simply occupied with affording a home. The stabilising of the UK house market has made many consumers take a broader view to their personal finances.

LifeSearch (a life insurance broker), in the September issue of Money Observer, highlighted a few common mistakes people make when buying life insurance:

* Believing life insurance is relevant to everyone
Life insurance is only relevant to people who have financial dependents. If you have no financial dependents, it might be more appropriate to consider income protection or critical illness insurance.

* Paying too much for life insurance
According to Money Observer, research for Sainsbury’s Bank Life Insurance revealed that many people take life insurance policies from their mortgage providers and as a result could be paying too much.

* Opting to buy joint life insurance policies instead of single life insurance policies
The advice to married couples is to avoid taking out joint life insurance policies which pay out when the first spouse dies over the term of the policy, but not on the second. Single policies could provide additional cover by paying just an extra £3-4 a month.

* Missing out on a trust
The Tax Man can claim up to 40% of your life insurance payout as inheritance tax. According to Money Observer, those with assets totalling £275,000 or more (including a house) are especially prone to tax inspection. Writing your policy in trust is a way to avoid this and as a trust does not have to go through probate, beneficiaries of the policy will receive the payment without delay.

* Only insuring the main earner
Whilst it is important to cover the main breadwinner, by neglecting to additionally insure the housewife or househusband may result in extra child care costs. Family income benefit (FIB) may be an appropriate policy to put in place.

* Opting for a lump sum over income
If your dependents are likely to require an income, then buying a policy that pays out a lump sum is a mistake. Many people invest lump sums for an income, but when they invest it, they have to pay tax. Family income benefit provides a larger payout – tax free, though the majority of banks and building societies do not offer FIB, so ask an Independent Financial Advisor for recommendations.

* Not proving full medical records or detailing comprehensive medical history
Failure to disclose a complete picture of your health, no matter how trivial, could invalidate a claim later on.

There’s no excuse for not conducting your own homework, as there is an abundance of information available online. Sites such as moneynet, provide not only price comparison research on difference life insurance products, they also offer downloadable consumer product guides. Lowermybills.com proffers a similar service stateside.

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Planning for Your Financial Future

by: Nathan Dawson

Two heads are better than one, so sit down with your spouse and plan out your financial future together.
Prioritize your bills.

By determining which bills to pay in which order, you'll get in the habit of making sure your essentials are always paid first.

Be careful using credit. Sometimes a financial crisis will come not because of a layoff, but because you're overextended. Most people can afford to devote 10 percent of their net income (after taxes) to installment debt, not including mortgage or rent payments. If you pay out more than 15 percent, you need to cut back.

Establish an emergency fund. Open a savings account and start "paying yourself" 10 percent of each paycheck.

What happens if we run into an emergency and our emergency fund isn’t enough?

Don't panic. When facing a financial crisis, stay calm. This will help you think logically and you'll avoid unnecessary arguments with your spouse.

Quit spending money. When faced with a financial challenge, it's easy to use your credit cards. But you may run up your balance to the credit limit and not be able to afford the payments, which will result in a poor credit rating—something you won't want during a crisis time.

Prioritize your bills. Pay essential, or survival, bills first: food, mortgage or rent, utilities. Next, pay car insurance, medical needs, child support, and any loans such as automobiles and furniture that are secured as collateral.

Then pay the nonessential bills—those debts in which no immediate consequences occur if paid late: credit and charge cards, attorney, medical, and accounting bills, newspaper and magazine subscriptions, life insurance, childcare, gyms, or clothing.

Communicate with your creditors. If you can't pay your bills or can only pay a partial amount, your creditors may be able to help you to establish a repayment plan.

Some lenders will allow you to defer one payment a year, meaning the payment for that particular month doesn't have to be made. The deferred payment is added to the end of the contract.

Take notes of any conversations with creditors, listing the date and person with whom you spoke. Whatever arrangement you make, get it in writing from the creditor before you send in money.

Know your rights. Many collection agencies are in violation of the Fair Debt Collection Practices Act. To get a copy of this legislation, visit www.ftc.gov. If you feel you've been violated, file a complaint with the Federal Trade Commission at their website.

Find outside help. Many churches and Para church organizations run programs to help you navigate through financial troubles.

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Such companies can also negotiate with your creditors to bring your accounts current if they're past due.
Avoid bankruptcy. Bankruptcies should be your last resort. A bankruptcy can remain on your credit report for up to 10 years.

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Mortgage Refinance: 4 Ways To Know Its Time to Refinance Your House.

by: Nathan Dawson

You may want to refinance your home for several reasons.

1)Mortgage Rates might be lower now. The biggest reason that people refinance their mortgages is to save money. No matter what has happened to you, there is always a good reason to start saving money. A lower rate on your mortgage can help you stretch out the payments so that every month you are paying less to live in your house than the previous month. When interest rates are low and you had previously locked your mortgage into a higher price, it might be a good idea to shop your rate around to see how low you can get it. The early 2000's have been an environment of very low mortgage rates which make it a good idea to shop around to see if you can refinance your mortgage.

2)You need money and need to stretch out your payments. Maybe you've recently filed for bankruptcy and therefore need more money to get back on your feet. Maybe you've switched jobs and therefore need to refinance your mortgage in order to make your monthly payments lower. No matter what people say, it's always a good idea to have more money in your pocket than less, isn't it? Refinancing your mortgage might be a good idea in this situation.

3)There may be better deals out there than you think there are. Finding a new mortgage company or bank to refinance your mortgage might be a good idea just to kick the tires of the industry and see if you could get a better deal. If you've been spending a lot of money and paying off the balances on your credit card on a monthly basis there is a significant chance that your credit score has increase recently. An overall better credit score is better for everyone including your lenders. If a new lender sees that your credit score has increased recently, she might be in a much better position to give you a better deal on your mortgage than you think. She could refinance your mortgage by shopping the deal around at more banks and finding the best one for you. Shop your refinancing around, it can't hurt.

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Life insurance – wise investment in personal finance or excessive caution?

by: Rachel Lane

Life insurance is typically taken out to offer valuable financial protection for your family in the event of your death, upon which a payment is made to your financial beneficiaries, heirs or family members. The extent of this payment will depend on your insured sum and earnings. Life insurance and life assurance may be interlinked in advertisements, though bear in mind the two policies are different. Life assurance is a form of financial protection which is also an investment, as you should always get a pay-out at the end of the term of the policy. Life insurance on the other hand is simply financial protection for your family, avoiding the issue of debt in the event of your death.

According to an article by the Fair Investment Company, the British life insurance industry shrank to almost half the size of the pensions industry last year and according to the Association of British Insurers, less than 50% of UK households hold a life insurance policy.

In their most recent newsletter about this issue, the Association of British Insurers found that 25% of mortgage holders had insufficient life insurance to cover their debt. The ratio of new life insurance policies to new mortgage loans was apparently 68% in 1994, but by 2004 this had dropped by half to 33%.

The absence of mortgage life coverage poses a serious risk for the dependants of homeowners. If banks were to embark on wide scale repossessions as a result of this absence of life insurance, this would impose a risk on their loan books and reputations. The Association of British Insurers also state that one of the main reasons behind the increased gap between mortgage loans and insurance is the emergence of people remortgaging their property to take advantage of equity release through a rise in value, without insuring their borrowing. In their report it was stated that around 63% of new mortgage loans were remortgages or further advances, compared to 34% in 1994. Egg reported at around the same time, that three out of four of these new loan homeowners had no intention of insuring this additional debt. This is particularly worrying if couples are remortgaging their property later in life – towards retirement, given that should anything happen to the breadwinner, the partner would be left with significant debts without the capability of paying the loan back.

Reasons for the downward trend in life insurance take-up include:

* Relaxation in lending policy – increased competition in the mortgage market means that lenders are not forcing life insurance policies on their customers

* High house prices have stretched homebuyers, in particular first time home-buyers, in terms of their mortgage repayments, that the additional costs of a life insurance policy are deemed too expensive

* There are more households with no dependents

If you’re interested in researching a life insurance policy, make sure you shop around. UK websites such as moneynet ( http://www.moneynet.co.uk ) provide life insurance and life assurance information guides, as well as providing price comparison research for the different products. In the states, the website LowerMyBills.com also offers a similar service.

Because of the various factors listed above, people have also become less familiar with the term life insurance and without the awareness there is little recognition of the importance of this type of insurance. However as speculation increases that UK households are not coping with their debt, so should the awareness of life insurance as an essential product in the personal finance portfolio.

EnglishLads Matt Hughes, Justin Harris

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