15, Jul 2023
How Life Insurance Rates Are Determined

life insurance rates

how much is average life insurance  is an important part of your financial strategy, helping to provide peace of mind while you’re alive and financial support for your loved ones after you pass away. The amount you pay for premiums is based on your age, gender, and the type of policy you choose (whole, term, or variable). Your health also has an impact, with factors like smoking, pre-existing medical conditions, and family history being taken into account by life insurers when determining your rate class.

Financial Planning Made Simple: Understanding Monthly Life Insurance Costs”

Generally speaking, the younger you are when you buy a policy, the less it will cost. This is because your life expectancy is lower and the company can set premiums accordingly. Term policies are the least expensive, as they last for a specific period of time and don’t build up cash value. Permanent policies, on the other hand, are more expensive because they typically offer coverage for your entire lifetime (as long as premiums are paid) and often come with a built-in cash value account.

Other factors that influence your life insurance rates include your occupation and lifestyle. For instance, if you work in an inherently dangerous occupation like a firefighter or a police officer, your premiums will be higher than those of somebody who works at an office job. Smoking and other nicotine use can also increase your premium, while a history of substance abuse or a poor driving record may cause your rate to climb.

Finally, the death benefit amount and policy add-ons will also affect your life insurance rates. For example, if you choose to add a riders to your policy, such as an accelerated death benefit rider or waiver of premium rider, these will usually cost extra.

2, Jun 2023
REI Card Rewards – Are They Worth It?

The outdoor gear retailer REI is a Mecca for those who love to climb, camp and kayak. But what’s even more enticing is the co-op’s annual dividend, which dishes back 10% of members’ total spending on eligible full-price items.

What are 2 examples of credit card benefits?

The rei card rewards Mastercard and the REI Credit Card both earn these member rewards, but they also come with other perks that make them worth considering for outdoors enthusiasts. For starters, both cards waive foreign transaction fees (a rare feature for retail cards).

Additionally, the REI Mastercard and REI Credit Card allow members to use their rewards right away, rather than waiting for the annual dividend in March. And while the one-time $30 card fee can be a little steep, REI’s return policy and extra sales can help offset that cost.

Lastly, the REI Mastercard and REI credit card both give members the option to book REI Co-op Experiences, including multi-day guided trips and outings with outdoor experts. And though the sign-up bonus isn’t market-leading, the REI Mastercard offers new cardholders a $100 REI gift card after their first out-of-store purchase on the card.

While the REI cards have plenty of benefits, they aren’t the best credit card for everyone. If you’re not a REI member and prefer a more flexible cash-back card, there are other options that offer better rewards for non-REI purchases. You can even earn a decent amount of rewards with the Citi Double Cash Card, which doesn’t charge any foreign transaction fees.

14, Dec 2022
NewSouth Waste Review

NewSouth Waste is a family owned and operated business serving businesses and individuals throughout Columbia, South Carolina. A wide variety of industries are served including construction, manufacturing, restaurants and retail. The company boasts customer service that goes above and beyond. Whether you need an on-site dumpster for a home renovation project or an industrial site cleanup, the folks at NewSouth Waste are a phone call away. For more information, visit their website today. Among their services is a roll off dumpster that’s perfect for a big construction site or a small remodeling job. Also, they offer a convenient one-day pick up service, as well as portable toilet rentals.

Why is preventing waste important?

In addition to waste removal, the company also offers recycling and disposal options for commercial and residential customers. While recycling can be time consuming, the company is happy to show you the best way to go about it. During the onsite waste management process, the company uses high-tech systems to optimize the operation. This includes tracking and monitoring orders.

As a bonus, the company has a number of environmentally friendly practices, including the deployment of energy efficient LED lighting. Other services include portable bathrooms, handwash stations and storage units. Moreover, the company’s employees have the requisite personality and communication skills to make sure your project is a success. Plus, the company’s website is user friendly.

Overall, the company offers the most efficient and cost-effective waste management solutions in the Columbia area. So if you’re looking to recycle or dispose of household waste, contact the experts at NewSouth Waste for a free quote.


NewSouth Waste
Phone: +18038092002

16, Nov 2022
How to Sell My House Fast For Cash Without a Real Estate Agent

Using a real estate agent can be a great way to get the most money possible for your home. They can help you price your home competitively, and they can find a buyer quickly. However, they can also be very expensive. So, if you are looking to sell your house fast for cash, you may want to look elsewhere.

What month is the best to sell a house?

One of the easiest ways to sell your house fast for cash is to sell it to a real estate investor. Many investors are willing to buy homes in good condition, and they are typically willing to make a few repairs, too. The only downside is that you will likely have to wait a little longer than if you sold it on the open market. Go here : https://www.asapcashoffer.com/

A more complicated option is to sell your home for cash to a real estate company. Companies such as iBuyers offer quick cash offers for homes in good shape, and they can close in as little as two weeks. While you may not get as much money for your home, you can avoid a lot of the red tape associated with a conventional sale.

The biggest advantage of selling your house for cash is that you won’t have to worry about making repairs or getting a loan. You can skip the underwriting process, which will add 30 to 45 days to the overall closing time.

There are also other advantages to selling your house for cash. You will save on the cost of a real estate agent, and you won’t have to worry about making home repairs or repairs on the mortgage.

25, Oct 2022
Mobile Bay Paving and Sealcoat

Getting your teeth scuffed by a puddle on your driveway or a pothole in the driveway, a smack in the face in your mouth, and a resembling a fumble with the keys, you are likely wondering who is the king of the manors and how long will it take to get the job done? This is where Mobile Bay Paving and Sealcoat comes in. With an A+ track record in asphalt paving and sealcoating, Mobile Bay Paving and Sealcoat can make your driveway a thing of beauty in a flash. You are sure to be pleased with their stellar customer service, quality workmanship and competitive prices. With over 10 years of service in the Mobile Bay area, you can count on Mobile Bay Paving and Sealcoat for all your paving needs.

Asphalt Paving & Sealcoating Of Mobile – Driveways | Parking …

You can find out more about Mobile Bay Paving and Sealcoat by visiting their website or calling their phone number. Whether you need asphalt paving, sealcoating, or any other construction needs, Mobile Bay Paving and Sealcoat is the asphalt contractor for you. Having a contractor you can count on is a big win for any homeowner or business owner. Mobile Bay Paving and Sealcoat is the go-to paving contractor for Mobile and Baldwin counties.

Whether you are looking to do an asphalt repair, sealcoating, or want to replace your entire driveway, Mobile Bay Paving and Sealcoat is your paving contractor of choice. With over a decade of service in Mobile and Baldwin counties, Mobile Bay Paving and Sealcoat is a name you can count on. Regardless of your asphalt needs, Mobile Bay Paving and Sealcoat can be counted on for quality paving and sealcoating services.

You can also count on Mobile Bay Paving and Sealcoat to provide you with a courtesy vehicle and a complimentary road map for the long distance traveled to your destination. With the highest quality service and the best prices in the Mobile Bay area, Mobile Bay Paving and Sealcoat is sure to make your paving dreams a reality. With mobile paving services for any size job, Mobile Bay Paving and Sealcoat is where your dreams are made of. You can count on Mobile Bay Paving and Sealcoat paving and sealcoating your home, your office, or your business. They are able to handle any size project, from minor paving repairs to major overhauls.

They are able to deliver the best price for the highest quality asphalt paving services in the Mobile Bay area. You can count on Mobile Bay Paving & Sealcoat to deliver the best quality paving and sealcoating in Mobile Bay area. So, if you are looking to do an asphalt repair, paving or sealcoating job, Mobile Bay Paving and Sealcoat has the expertise to get the job done. You can count on Mobile Bay Paving, Sealcoat, and Asphalt, to provide you with the best asphalt paving and sealcoating services in Mobile Bay area.