Nearly 30 Ways to Save on Life Insurance

There are numerous articles helping with life insurance tips but mostly one can find just several pieces of advice there. Would it not be great to have all those saving tricks and tips at one place? We created such a list for life insurance! This list is the most comprehensive overview of all opportunities to save on Life Insurance in Canada and it was created after numerous discussions with many insurance brokers If you find this list useful, bookmark it and share with others! So, let’s start!1. Age: Apply for the policy when you are young and your premiums will be lower.2. Round-up your age wisely: If you decide to buy a life insurance policy, make sure that your age rounds down and not up, i.e. if you are going to be 30 years old on December 31, buy the policy in the first 6 months of the year where your age is still rounded down to 29 and not 30.3. Good health: If you are in a good health and have a good build (ratio of weight and height) when you apply for a life insurance policy, insurers will reward that with lower premiums.4. Non-smokers: Stop smoking well in advance (at least a year) before applying for a policy – otherwise your premiums will double.5. Good driving record: Ensure you have a good driving record before applying – a bad driving record is punished by life insurance provider (as by auto insurers) – your premiums will go up by extra 25-50%.6. Gender: Female policyholders pay on average 25% less than male policyholders. Changing your gender will not really help – insurers consider the gender you were born with.7. No depression: Mental health matters – those with a history of depressions pay between 50% and 200% more.8. Family history: Having a healthy family without any serious diseases lowers your life insurance premiums as you are less likely to face a critical illness. Known serious issues in your family’s medical history can increase the premiums by 50% to 250%.9. Your medical history: Having a healthy medical history in the past (not equal to the good current health state in the moment of application) has impact on your health insurance. If you’ve had serious issues, some potential disease cases can be excluded from your coverage.10. No excessive drinking: If you do not have any drinking issues, you can benefit from lower insurance rates – otherwise your premiums can increase by up to 50%. An intensive drinker would be considered somebody who drinks 3-4 beers a day.11. Term instead of other insurance types: Choose Term insurance products instead of e.g. Universal Life. The first one is a pure insurance product whereas the latter one represents a combination of life insurance and investment product and often costs more.12. Getting in shape: If you already have a life insurance policy and got in shape compared to your state when you signed up for a policy (e.g. spending hours in a gym), you can request a re-view of your life insurance premiums.13. Driving offenses coming off your record: If your driving record improved while you have a life insurance policy, you can review your premiums with your insurer and get them reduced (typical time for smaller offenses to come off your driving record is 3 years)14. Stop smoking: If you have a policy which you got when you were a smoker, stopping smoking and demonstrating to your insurer that you have not returned to it for at least 1 year will reduce your insurance premiums. Smokers typically pay double amount of premiums!15. Stop drinking: Similar story with drinking – demonstrate that you had 1 year of no drinking and it will be reflected in your adjusted premiums for an existing life insurance policy.16. Group Life insurance: Group Life Insurance can be an alternative to your Personal Life insurance if your employer offers sufficient coverage – at least you are protected as long as you work for the company.17. Employee / Union members: Some companies offer discounts to union members (e.g. IBM Canada or Research in Motion)18. Drop unnecessary additional coverages: Check additional riders offered with a life policy to decide if you need them e.g. Accident death benefit (higher payouts in case of death through an accident), term conversion rider (in case you want convert your Universal policy into Term)19. Avoid guaranteed issue life policy: People with good health do not need a guaranteed issue life insurance policy (these are policies that do not require a medical exam but they cost more) – do a health check / exam and enjoy lower life insurance premiums.20. Professional Membership: Are you a member of a professional organization (e.g. Certified Management Accountants of Canada or The Air Canada Pilots Association)? Then some insurance companies offer you a discount.21. One policy for your spouse and you: You can get one policy for both your spouse and you – it will be often cheaper than two single life insurance policies (also called a multi-life policy)22. Adjust coverage amount: Make sure that you are not taking more insurance coverage (but also not less) than needed: perhaps $1,000,000 is enough – ask yourself and your insurance advisor if you really need $2,000,000?23. Less-risky jobs: Not being involved into dangerous jobs like a member of the police bomb squad will help to avoid additional insurance premiums.24.Shop around: Search, Compare, and switch insurance companies. There are many insurance providers and their price offerings for the same policies can be very different, therefore use multiple online tools and talk to several brokers since each will cover a limited number of insurance companies.25. Alumni: Graduates from certain Canadian universities ( e.g University of Toronto, McGill University) might be eligible for a discount at certain Insurance providers.26. Annual vs. monthly payments: In comparison to monthly payments, annual payments save insurers administrative costs (e.g. sending bills) and therefore they reward you lower premiums.27. Welcome discount: Some insurers offer a so called welcome discount!

Posted in life insurance | Tagged | Comments Off

Art History and the Expansion of Human Consciousness

How can art history be explained in terms of human consciousness? What is the link between the cave paintings of primitive man and the conceptual work of artists today? What does a skull adorned with jewels (For the Love of God by Damien Hirst) or a head made out of the artist´s blood (Self by Marc Quinn) have in common with a rough outline of a bison drawn on a cave wall? It comes down to a definition of art which involves the opening up of the human mind. We could say that art is simply about employing a range of media to produce an accurate representation of the world around us, and that is good enough in most cases, but that is only half the story.Art is inseparable from its social context. It is inspired by its political, religious and intellectual environment and can change it too. Good art will always encourage change. When the first caveman painted a bison on his cave wall it would have caused a sensation because no one had seen such a thing before. Crowds would have gathered to admire it and talk about it, no less so than when Michelangelo unveiled his first David or completed the ceiling of the Sistine Chapel. It is the originality of the work, the skill gone into producing it as well as the catalytic effect it creates in our minds which makes it art. Our first caveman artist, by taking something that his tribe were used to seeing alive and running around and placing it on the wall as a recognizable reproduction, had made something completely new in human terms. In doing so, he expanded the artistic consciousness of his fellow natives, a leap from known reality to imagined reality, a leap that separated his age from the ones that had gone before, and in this way opened up an infinite number of new possibilities for the future.Similarly, every new step forward in art history is exciting and challenging because it expands the cultural awareness of its audience. This can lead to change in political or religious views. When renaissance artists began with traditional religious symbols and then introduced realism into that sacred world they paved the way for a new type of art, art which did not simply illustrate bible stories and adorn churches, but which could portray the lives of ordinary people and comment on social values. This suggested that there was something else worth preserving other than religion. Realism in art urged people to look at themselves as individuals. Rembrandt and Leonardo da Vinci were such skilled masters of their art that their portraits were as much insights into the personality of the sitter as a representation of their features.As techniques for producing photographic levels of realism were improved the way to the great neo classical works of the seventeenth and eighteenth centuries was paved, which were not only technically brilliant pieces of art, but capable of passing as social commentaries on the political and cultural landscape of their time, influencing opinion and ideas. A skilled artist could paint a compelling portrait of a political leader and at the same time fill the work with telling symbols which either praised or criticized that person´s views. The French artist David is a brilliant example of political commentary in art.With the invention of photography, artists were encouraged to search for new ways of portraying their world, such as the Impressionists who interpreted light and colour in their work. Monet, Renoir and others, broke away from the realism of the past and produced works which attempted to portray feelings and emotions through an understanding of nature.The twentieth century saw a break with the past and the change the artistic geniuses of this age brought about did not (and still doesn’t´t!) sit easily with some people. The argument as to what constitutes real art goes on. Not everyone is open to a conscience expanding experience and even now modern art is seen by some as a con. It can be years before some artists are appreciated. Picasso, Dali, Warhol, Lichtenstein, and many others in the twentieth century experimented with new perspectives, notably Abstract, Surrealist, Cubist and Pop art, reflecting trends in new technology, science, psychology and manners, but these artists can stretch the comprehension of the ordinary viewer.Today´s artists in the twenty-first century have an even bigger challenge. Everything has already been done (hasn´t it?) so finding new ways of expanding our awareness through art is becoming harder. The Turner Prize specializes in sourcing original artistic concepts and often scandalizes by doing so. In the search for conscious expanding works, sometimes errors of judgment occur. But there is no limit to human creativity and no end to the story of art. Art will continue to evolve and real breaks with the past will continue to stun audiences into new ways of thinking about the present.

Posted in Uncategorized | Tagged | Comments Off

The Elements Of An Efficient HVAC System

Today’s systems are designed to meet stricter environmental, indoor air quality and user requirements. Many of the gains in HVAC system efficiency have come as the result of improvements in the operating efficiency of key system components. Other gains are the result of the use of technologies that are either new, or new to the HVAC field. Even the use of computer-aided design tools have helped system engineers design HVAC systems that perform more efficiently.Although there are many individual advances that have helped to improve HVAC system operating efficiency, much of the overall improvement can be attributed to five key factors:- The development of low kW/ton chillers;
- The use of high-efficiency boiler control systems;
- The application of direct digital control (DDC) systems;
- The use of energy-efficient motors; and,
- The matching of variable frequency drives to pump, fan and chiller motors.For years, building owners were satisfied with the performance and efficiencies of chillers that operated in the range of 0.8 to 0.9 kW/ton when new. As they age, actual operating efficiencies fall to more than 1.0 kW/ton at full load.Today, new chillers are being installed with full load-rated efficiencies of 0.50 kW/ton, a near 50 percent increase. Equally impressive are the part-load efficiencies of the new generation of chillers. Although the operating efficiency of nearly all older chillers rapidly falls off with decreased load, the operating efficiency of new chillers does not drop off nearly as quickly.Chiller design changes Several design and operation changes have helped improve chiller performance. To improve the heat transfer characteristics of the chillers, manufacturers have increased the size of the units’ heat exchangers. Electromechanical control systems have been replaced by microprocessor-based electronic controls that provide greater precision, reliability and flexibility. Variable frequency drives control the speed of the compressor, resulting in an increase in part-load performance.Increased energy efficiency is not the only benefit of the new generation of building chillers; these chillers offer better refrigerant containment. Although older chillers routinely may have lost 10 percent to 15 percent of the refrigerant charge per year, new chillers can limit losses to less than 0.5 percent. Lower leak rates and better purge systems reduce the quantity of non-condensable gasses found in the refrigerant system — a key factor in maintaining chiller performance over time.Another significant development is in boiler operation: the replacement of pneumatic and manual controls with microprocessor-based systems. As a rule of thumb, the systems can be expected to achieve energy savings of 5 percent to 7 percent over conventional pneumatic-based systems.Microprocessor-based control systems achieve their savings primarily as the result of their ability to modulate the boiler’s operation more accurately than pneumatic-based systems. By modulating the boiler’s operation accurately, the systems help to maintain the proper fuel-to-air ratio and track the load placed on the boiler by the HVAC system.Microprocessor-based systems offer several additional advantages, including remote monitoring and operating capabilities, automated control sequences, monitoring of steam flow, and reduced maintenance costs. One way the systems can help reduce maintenance costs is through their ability to maintain proper fuel-to-air ratio. By maintaining the proper ratio, the systems reduce the rate at which soot collects on boiler tubes, thus decreasing the frequency of required tear down and cleaning. Keeping the boiler tubes clean of soot also helps to improve the thermal efficiency of the boiler.Direct digital controlsA major change in the HVAC field is the widespread implementation of direct digital controls (DDC). Introduced more than 15 years ago, DDC systems have become the industry standard for control systems design today. With the ability to provide accurate and precise control of temperature and air and water flows, the systems have widely replaced pneumatic and electric control systems.DDC systems help building owners save energy in several ways. Their accuracy and precision nearly eliminate the control problems of offset, overshoot, and hunting commonly found in pneumatic systems, resulting in better regulation of the system. Their ability to respond to a nearly unlimited range of sensors results in better coordinated control activities. This also allows the systems to perform more complex control strategies than could be performed with pneumatic controls. Finally, their simple or automatic calibration ensures that the control systems will perform as designed over time, with little or no loss of accuracy.DDC systems also offer several other advantages. Because the control strategies are software-based, the systems can be easily modified to match changes in occupant requirements without costly hardware changes. DDC systems also are ideal for applications that benefit from remote monitoring and operation.Energy-efficient motors Today’s HVAC systems are making use of energy-efficient motors. Energy-efficient motors offer a moderate but significant increase in full-load operating efficiency over standard motor designs. For example, an energy-efficient 10 hp motor operates at about 93 percent efficiency; a standard motor of the same size is typically rated at 88 percent. Similarly, a 50 hp energy-efficient motor is rated at approximately 94 percent efficiency in contrast to the 90 percent efficiency rating of a 50 hp standard motor.This increase in operating efficiency accompanies a first-cost increase for the motors. How rapidly this additional first cost is recovered depends on two factors: the loading of the motor, and the number of hours the motor is operated per year.The closer the motor is operated to its full-load rating and the greater the number of hours per year the motor is operated, the quicker the first-cost differential is recovered. For most applications where the motor is run continuously at or near full load, the payback period for the additional first cost is typically between three and six months.The combination of constant loading and long hours of operation have made HVAC applications well-suited for the use of energy-efficient motors. Energy-efficient motors commonly are found driving centrifugal circulation pumps and system fans. With these loads, the 4 percent or 5 percent increase in the electrical efficiency of the drive motor translates to a significant energy savings, particularly when the systems operate 24 hours per day, year round.A side benefit of energy-efficient motor design is its higher power factor. Increasing the power factor of a drive motor reduces the current draw on the electrical system, frees additional distribution capacity and reduces distribution losses in the system. Although increasing the power factor isn’t enough of a benefit to justify the cost differential of the higher efficiency motor, it’s an important consideration, particularly for large users of electricity where system capacity is limited.Although the motors have demonstrated themselves to be very cost-effective in new applications, their use in existing applications is a little more difficult to justify. In most instances, the cost to replace an existing, operating motor with one of higher efficiency will not be recovered for five to 10 years or longer.Of the improvements in HVAC systems that have helped to increase operating efficiency, variable frequency drives have had the most dramatic results. Applied to system components ranging from fans to chillers, the drives have demonstrated themselves to be very successful in reducing system energy requirements during part-load operation. And with most systems operating at part-load capacities 90 percent or more of the time, the energy savings produced by variable frequency drives rapidly recover their investment, typically within one to two years.In general, the larger the motor, the greater the savings. As a rule of thumb, nearly any HVAC system motor 20 hp and larger can benefit from the installation of a variable frequency drive.Variable frequency drive applications Variable frequency drives produce their savings by varying the frequency and voltage of the motor’s electrical supply. This variation is used to reduce the operating speed of the equipment it controls to match the load requirements. At reduced operating speed, the power draw of the drive motor drops off rapidly.
For example, a centrifugal fan, when operated at 75 percent flow, draws only about 40 percent of full-load power. At 50 percent flow, the power requirement for the fan decreases to less than 15 percent of full-load power. While conventional control systems, such as damper or vane control, also reduce the energy requirements at partial flow, the savings are significantly less.Another area where variable frequency drives have improved the operating efficiency of an HVAC system is with centrifugal pumps found in hot and chilled water circulation systems. Typically, these pumps supply a constant flow of water to terminal units. As the demand for heating or cooling water decreases, the control valves at the terminal units throttle back. To keep the pressure in the system constant, a bypass valve between the supply and return systems opens. With the flow rate remaining nearly constant, the load on the pump’s electric drive also remains nearly constant.Variable frequency drives regulate the pressure in the system in response to varying demands by slowing the pump. As with centrifugal fans, the power required by the pumps falls off as the load and speed are decreased. Again, because most systems operate well below design capacity 90 percent of the time, the savings produced by reduced speed operation are significant, typically recovering the cost of the unit in one to two years.Chiller loads A third application for variable frequency drives is centrifugal chillers. Chillers are sized for peak cooling loads, although these loads occur only a few hours per year.With conventional control systems that close vanes on the chiller inlet, chiller efficiency falls off significantly during part-load operation. When variable frequency drives are applied to these chillers, they regulate the operation of the chiller by reducing the speed of the compressor. The result is near full-load operating efficiency over a very wide range of cooling loads. This increase in part-load efficiency translates into a 15 percent to 20 percent increase in the chiller’s seasonal efficiency.Energy conservation isn’t the only benefit of variable frequency drives. A strain is placed on an electric motor and the mechanical system it drives every time a pump, fan or chiller is started at full-line voltage: Motor winding becomes heated, belts slip, drive chains stretch and high-pressure is developed in circulation systems. Variable frequency drives reduce these stresses by starting systems at reduced voltages and frequencies in a soft start, resulting in increased motor and equipment life.Finally, the most important element in an energy-efficient HVAC system is how the system is operated. No matter how sophisticated the system, or how extensive its energy-conserving features, the system’s performance depends upon the way in which it’s operated and maintained. Operating personnel must be properly trained in how best to use the system and its features. Maintenance personnel must be trained and equipped with the proper tools to keep the system operating in the way it was designed. Maintenance cannot be deferred.Energy-efficient HVAC systems offer the facility manager the ability to improve system performance while reducing energy requirements. But they benefit building owners only as long as they are taken care of. If facility managers choose to ignore maintenance requirements, they may soon find systems malfunctioning to the point where they have actually increased the requirement for energy.

Posted in Uncategorized | Tagged , , , , , , , , , , , , , , , | Comments Off

Globalization and Education

In this paper I am going to look at the effect globalization has on education whether it is positive or negative. The paper will look at how globalization has given educators the ability to expand their teaching and the learning experience. One of the sources is a follow-up on a conference at Harvard held by many faculty experts in various fields. The article should provide some good insight as to whether or not globalization has proven to be beneficial toward educators and the education they are providing. Globalization is a process in which economies, cultures, and societies have combined through a global network of trade and communication. While the term is more often used in economic settings, globalization has aided in the advancement of society as a whole. Globalization is not a new idea, and when used in its economic connotation, it refers to the removal of trade barriers amongst nations to improve and increase the flow of goods across the world. But in this article, we are going to look at the implications of globalization on education and the educators themselves.The way globalization has influenced trade barriers and communications among countries has in turn habituated the way educators educate. Corporations have targeted schools and colleges and have turned to them in order to help with expansion. Courses and programs were restructured in order to increase the marketing for programs such as MBAs and distance learning courses. A distance learning course is an online based course that has helped people who may already be working or those who need to stay at home achieve a degree. As a result the cost for students to attend universities has gone up as well, leading to a change in the way loans and grants are distributed and in what quantity. The perception people have on the current economy is playing a major impact in globalization effect on education. Regardless of the higher costs, students are still finding it necessary to stay in school and get as much accreditation as they can before entering the job market. It’s projected that in the next few years enrollment numbers will continue to rise significantly due to the belief that not having a degree in today’s economy is detrimental to success.The restricted courses are allowing students to prepare for particular jobs as opposed to giving them a general education on a subject. This is described as being a “managerial-based” teaching strategy where students are not only taught the concepts needed for their degree, but in leadership as well. This is something to hardly be opposed too, but the increase in direct costs for students is cause for concern among some people. Some people are looking at this relationship between globalization and education and defining it as a technique the government is using to unitize education across the world. Some people feel the government is doing so because of pressure from “greater powers” to increase the educational well-being of students without receiving any opposition to the changes. The increasing understanding is that globalization is being reflected in an educational agenda that allows for various, and countless, improvements upon the education system that allows the educators themselves to expand on their teaching, and present students with real world situations that require them to “think outside the box”, or outside the realm of their particular field, if you will.In conclusion, globalization seems to be, overall, a pretty beneficial movement in terms of education, although there are still several obstacles in its way. Harvard economist David Bloom has said that the world’s economies have thrived in globalization, as they all share a deep commitment to the education of young people. But he goes on to say that while these nations have gone on to use globalization to increase their educational prosperity, globalization has further distributed more “wealth to the wealthy” and fewer benefits to the poor. It was suggested at the same Harvard conference that education for pre-college students be more informing as well, and those students should know before going in that, for example, “the state of India’s economy, could very well affect their ability to receive and maintain a job once graduated”. The whole idea is very intriguing, and should continue to be monitored closely as globalization’s impact on education will likely be major, just as it has been for many other aspects of society.

Posted in Uncategorized | Tagged , , , , , , , , , , , , | Comments Off

Important Things to Remember When Opting for a Pay Day Loan

What are pay day loans?Pay day loans are a special type of loans that are offered by special financial institutions to help people manage their emergency cash requirements. Most of the time individuals require cash on an urgent basis but do not have savings or cash available at that certain time to provide for their needs. In these situations these individuals can borrow a pay day loan from the financial institutions offering these loans so that they can manage their needs in an independent and confidential manner. The procedures involved with the application and processing of these loans are very simple and offer maximum comfort to the loan applicants.Some other terms used for pay day loansThere are many other terms used for the pay day loans by the financial institutions and market, some of which include:Check advance loan
Costly cash
Cash advance loan
Post-dated check loan
Deferred-deposit check loan etc.
Quick Cash loans
Advance loans
PrepaymentThe financial institutions that offer cash loans get the basic personal and professional information from their applicants with the help of their application forms. These application forms are designed to be time efficient so that they can be filled out in a minimum amount of time to help the applicants meet their urgent needs pertaining to availing cash. Some of the fields included in the application forms of the pay day loans include:The proof of the applicant’s employment
Information regarding the applicant’s income level
Ability of the applicant to reimburse the loans extending company in time and other related aspectsSometimes even the traditional banks offer the pay day loans for the ease of their applicants as well.How to apply for the cash loans?There is more than one way in which cash advance loans can be applied for by the applicants, which include:By filling out the forms manually
By filling out the forms virtually through the bank or financial institute’s website
By using telephone assistance servicesPersonal loans offering institutions allow applicants to borrow loans by facilitating them to select any one of these applications modes when it comes to filling in a personal loan application. The websites of the leading and highly reputable financial institutions offering these loans provide fool proof security to the applicants by making use of the latest applications, security measures and software to minimize the chances of personal information theft.What to remember when applying for the personal loans?There are certain things that should be kept in mind when applying for personal loans or cash advance loans from any financial institution or bank. Some of these factors include:Reading through the terms and conditions and even the mouse print on the provided documents; whether these documents are offered as hardcopies or as virtual documents.
Getting up to date information related to the state laws regarding cash loans and finding out information related to the limitations imposed by the state on the rate of interest that can be offered by the loans offering institutions or banks.
Making sure that the cash advance loans offering institution that one has selected does not penalize borrowers for paying the reimbursements earlier than the agreed time.
Asking the agents or the representatives about any clarification about the jargon used in different modes of communication.
Applying for a loan amount that can be reimbursed easily without defaulting or upsetting the monthly budgets to avoid the debt trap or any other problems.
Selecting the cash loans offering institution based on its previous track record and reputation in the market rather than the rate of interest they offer.

Posted in Uncategorized | Tagged , , , , , , , , , , , , , , , , | Comments Off