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  Finance

  Universal Life Insurance and Term Life Insurance

  While bothterm life insurance and universal life insurance are primarily designed to provide a death benefit, they differ enormously in structure, cost, flexibility and long-term benefits. Understanding these differences is crucial in deciding on the one that is most appropriate for your funding needs and total financial targets.1.Term Life Insurance:Straightforward and Cost-EffectiveTerm life insurance provides limited coverage, usually, 10 to 30 years. A death benefit will be paid out to his or her beneficiaries if the insured passes away while the policy is still in effect. But if the policyholder dies before the end of the term, the coverage ends with no benefits paid out.This straightforward nature of term life insurance, compared with more complex options, makes it appealing to those who only need temporary insurance, when their family needs protecting, paying off a mortgage, or raising children, as needed.The main advantage of term life insurance is that it is cheap. They have relatively low premiums, and thus are an affordable option for younger people or anyone on a restrictive budget when compared to permanent life insurance products, such as universal life insurance. Another reason is that most term life insurance policies are straightforward and typically have fixed premiums and a guaranteed death benefit for the entirety of the term. This financial predictability permitspolicyholders to plan their finances without fretting over fluctuating expenses.But term life insurance is not without drawbacks. Because it doesn't grow a cash component, it is simply coverage, since there'sno investment or savings element. At the end of a term, the policyholder canrenew the policy — typically at a higher premium — or buy, a new one. But for those who want coverage for life or a financial vehicle that offers both protection and savings, universal life insurance might be a better match.2.Universal Life Insurance: Costs and LongevityOne major reason to consider universal life insurance is the flexibility it provides. Policy holders may also vary payments of premium and death benefits within certain ranges, allowing policyholders the ability to fit the policy to their evolving financial situation. For instance, if a policyholder goes through a temporary financial hardship, they might be allowed to reduce their premium payments or use the cash value to pay expenses. On the other hand, when their financial conditionbecomes better, they could raise their premiums to speed up the cash value growing faster.The cash value element also allows for growth on a tax-deferred basis, so interest earned is not taxed until taken out. Especially useful for those who are seeking retirement income or an estate to pass on to their heirs, this can be a powerful tool for long-term financial planning. Moreover, universal life insurance policies typically allow you to invest the cash value in different accounts, which can sometimes lead to better returns.But that flexibilityand those benefits also have a price. Because premiums are more expensivethan term life insurance universal life insurance, making it less accessible if you're on a budget. This policy also can be complicatedand understanding how premiums impact cash value, death benefits adds up to a comprehensive picture that often requires professional help. Moreover, if not managed correctly, the cash value can disappear, and thepolicy may lapse, leaving the insured with no coverage.Ultimately, both term life and universal life has come with their own set ofpros and cons. By taking a close look at your finances and the goals for the future, you can find the right policy that best fits your needs and offers your heirs the protection they need. A financial advisor can also be useful in navigating the intricacies of life insurance so that youcan make an informed decision.
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  Home & Garden

  Furniture Worth Buying at Sears Furniture Outlets

  There is no a betterdestination than the SearsFurniture Outlets for smart shoppers looking for that nice and quality furniture at affordable prices. They are renowned and famous for their low prices, brandname items, and a large selection that includes all different types of furniture. Whether you’re furnishing a new home, upgrading your current space or simply looking for a statement piece, here are some furniture items toconsider at Sears Furniture Outlets.1.Living Room FurnitureSears Outlets have a wide selection of sofas, sectionals and recliners to fit everyone’s needs because a living room is the heart of any home. Look for solid, stylish offerings from good names, such as Craftsman or Kenmore. Leather sofas are relatively low-maintenance and madefor a classic look, so they are quite common, while fabric sectionals provide the comfort and ease needed for larger families. Since many pieces are available in a few colors as well as different configurations, though, you should be able to find what works for you.2.Dining Room SetsDining room and Built-in setsare the top furniture options at Sears Furniture Outlets, because Sears Furniture Outlets are a great locationfor dining room sets that will blend function as well as beauty. From traditional wooden tables to contemporary glass-top designs, there truly is something for every aesthetic. Many come with matching chairs, buffets, or hutches that you can combine fora coordinated look. If you need to watch your wallet, youcan find some sets onsale where the value is hard to beat without skimping on quality.3.Bedroom FurnitureA restful night of sleep begins with proper and appropriate bedroom furniture, and Sears Outlets don’t disappoint with their variety of beds, dressers, and nightstands. You can find options that suit your style, whether you prefer a sleek platform bed or a traditional sleigh bed. The coordinating pieces that come with many bedroom sets, like mirrors and chests of drawers, could make it easier to complete a cohesive retreat.4.MattressesSears is known for having high-quality mattresses, andthe outlets usually have the big brands — Serta, Simmons and Tempur-Pedic — at lower prices. Whether it’s a plush pillow-top for maximum comfort or a firm mattress for back support, you’ll discover several options to fulfill your sleep preferences. Most mattresses have warranties, so you are covered for the long haul.5.Home Office FurnitureWith remote work becoming more widespread, a functional home office is more important than ever. Sears Outlets has the desks, chairs and storage you need to set up a productive work space.These may be ergonomic chairs to keep you comfortable on long work days or desks that allow storage space to keep your work area clean.6.Outdoor FurnitureDurable and stylish furniture for youroutdoor space from patio dining sets to inviting lounge chairs, you’ll find designs built to endure the elements while elevating your outdoor living experience. Most outdoor furniture is constructed of weatherproof materials suchas wicker or metal, which prolong the life of the set and make it very easy to care for.Known for their unbeatable deals on floor models, overstock items and discontinued lines, Sears Furniture Outlets also often offer big savings. That does mean you can snap shop high-end furniture at a fraction of the price. Furthermore, Sears is known for its good customer service, which provides a seamless shopping experience.Finally, Sears Furniture Outlets is a gold mine for anyone looking to furnish their home with stylish, high-quality, and affordable furniture.Whether you’re in the market for a single piece or a complete set, you’ll surely find something that suits your needs and is above your expectations.Exploretheir offering and don't miss out on great deals.
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  Automotive

  Winter Tires: A Must-Have for Safe Winter Driving

  A yearly war starts on many every year as the temperatures are on a steady decline and snow begins to hit the ground; to get the winter tires, or not get the winter tires. While countless drivers in a normal seasonal climate might believe that all-season tires are good enough, winter tires are the safe, effective traction solution for cold, ice, and snow. Below we summarize the key advantages of winter tires and why their use is so important for safe driving in the winter months.1.Improved Grip on Snow and IceThis is because winter tires are specifically built to have a better grip on snow and ice. The tread patterns of their take a notch deeper grooves and biting edges that grip slippery surfaces better than all-season or summer tires. Winter tires are made with a natural rubber compound that continues to stay flexible in very low temperatures, which allows winter tires to conform more to the road surface. This leads to more grip, less slipping and more stopping power, even in extreme winter conditions.2.Enhanced Handling and StabilityWinter tires are designed to provide better handling and stability in the cold. Its distinctive tread design and rubber composition improve steering precision andcornering grip, even on slippery conditions. This is especially useful for drivers negotiating twisty roads or steep climbs in winter. When theweather turns sour, you can feel in command, and confident when you have winter tires on your vehicle.3.More Efficient in LowTemperaturesAll-season tires are meant to do a decent job in a broad range ofsituations, but they don't excel when the temperature drops significantly. The rubber in all-season tires there hardens when the temperature begins to fall below 7°C (45°F), limiting their effectiveness and grip. Winter tires howeverare made from specialized rubber compounds that remain soft and pliable even in freezing temperatures, providing consistent performance throughout the winter months.4.Enhanced Security for All Types ofVehiclesEven if you own a sedan, SUV, or truck,winter tires can add incredible value to the safety of your vehicle. Winter tires help even the best four-wheel drive (4WD) or all-wheel drive (AWD), since that technology only enhances acceleration, not stopping or turning. Winter tires help dial in the grip and control you need to complete your vehicle's drivetrain to help make and keep driving as safe as possible.5.Long-Term Cost-SavingYou can buy snow tires, but they require a bit of an investment upfront, but in the long-run lead to saving cash. When using winter tires in the cold months and summer or all-season tires in warmer weather, you also improve the life of your two types of tires. Furthermore, winter tires' enhanced safety and performance can save you from costly accidents, repairs, and higher insurance premiums.6.Peace of MindThe greatest advantage that winter tires have to offer may well be peace of mind.Winter tires help eliminate the stress and anxiety of driving in the snow and ice, allowing you to drive moreconfidently and safely in the winter months.If you’re driving on cold weather roads, winter tires aren’t an optional accessory, they aremust-havedevices. Snow tires excel and reassure when itreally counts, they provide better grip, shorter stopping distance and better handling. The cost of a set of winter tires is not exactly cheap, but it is a smallprice to pay to give you, your passengers, and or everyone else on the road with you a little more peace of mind. So the bottom lineis, you should not mess around when it comes to safety and get your car fitted with winter tires this coming winter so you can drive with the confidence that these best tires for the season provide.