"War is an ugly thing, but not the ugliest of things. The decayed and degraded state of moral and patriotic feeling which thinks that nothing is worth war is much worse."
Getting Business Finance Surprisingly, despite current trade, there are still large numbers of people who are setting up in business. Proof perhaps that the well ingrained entrepreneurial instincts of the American people live on. However, you might think that with all the stories ... Refinance mortgage loan A refinance mortgage loan can help you get cash for the equity in your home. Home equity refers to the value of the house that has already been paid for. This will include your down payment and the all the monthly payments you have been making. Once you ... Use Your Yellow Page Savings to Finance Your Internet Local Search Visibility Copyright 2005 Off the Page A Yellow Page Ad Says You're "Open for Business" Most small businesses that have a storefront or provide a service are committed to a Yellow Page directory ad. It was a safe bet, since buyers went to the directory when they ...
Sisters are insuring themselves: how finance is the new feminism
According to a study by LifeSearch, the number of women in the UK buying life insurance in the UK has doubled over the last six years. As women are increasingly closing the gender related pay gap and even becoming the main breadwinners in a household, they are also becoming more vigilant about their finances and less financially dependent on their partners.
Linda Tyson, a policy advisor for LifeSearch stated that the increase was attributed to the “growing awareness of the importance of protecting the financial stability of the family. More and more women are either the main or only breadwinner and are realising the importance of protecting their incomes.”
An additional advantage for women is upon applying for cover, they pay less in premiums than men, which is additional money to save, invest or spend on holiday with the girls. This reduction in premiums is based on the fact that women live an additional seven years longer than men. Insurance companies deem men a greater insurance risk when it comes to life insurance. In general, a woman pays 25% to 35% less than a man.
The most cost effective way to buy life insurance is term cover, which allows for a lump sum to be paid out over a given period upon the death of the policy holder. The lump sum will protect the partner or family and the extent of the cover will vary on how much the policy holder wishes to invest and length of time over which they wish to invest it.
Alternatively, there is the option of whole-of-life insurance, in which case a lump sum will be paid out upon the death of the policy holder – whenever that happens. Given that the payout is guaranteed, the premiums for this type of life insurance are much higher, although women still pay less than men.
Websites such as moneynet provide an easy method for women to review different life insurance policies, the risks and associated costs and given that the ratio of male to female web users is almost 50:50, it's not surprising that women have the web (and their finances) under their thumb.
About Rachel: Rachel is a straight talking little lady who lives in the Scottish hills. She survives on a diet of Irn Bru and haggis, which allows her to see wild animals in the night and roast them with her fiery breath. Rachel also writes for the personal finance blog Cashzilla: a wee bit of banter on finance related issues. Web: http://www.cashzilla.co.uk E-mail: rachel@positiveinterest.com Phone: 0131 561 2251
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