Term life insurance pays a tax free lump sum in the event of death within a specified period of your choice (known as the ‘term’). Fixed monthly or annual premiums are paid for the duration of the term. Most terms are typically 25 years in line with ones mortgage or the time period associated with [...]

Every person wants to provide the very best for his or her family and hence, makes various plans to ensure financial stability under all circumstances. However, the scene changes a little after retirement, as the regular source of income comes to a halt, while the household expenses still have to be met. In such a [...]

In my last article, we covered four basics: 1. take advantage of any free trial periods, 2. watch out for long contracts, 3. get references, and 4. dont be too concerned with high prices. For this article, we will assume that you have diligently followed the 4 steps in the first article and are [...]

For a lot of us, it is exceedingly difficult to justify spending money on something that we will probably never use. But we all do it and we do it more often than we would like. Yes, we all spend large amounts of money on insurance even though we all know that we will [...]

As the name implies, whole life insurance will cover you for your entire life, as long as the policy is kept in force. In general, to keep a policy in force, means that the premiums are paid or that the policy is paid up. Contrast this to term life where the policy is only set [...]

Tribal eagle tattoos have become more popular lately and this in part is due to the symbol of the eagle itself. Both patriotic and graceful, the eagle represents our yearning to fly and our love of country. But when choosing this type of tattoo there are some big factors you should consider before [...]

Note: written 4-15-05, while driving through the Andes of Peru, from Huancayo to Lima. I sensed I was but an ant, among the mass of stone, earth and foliage of this enchanting, and enduring landscape.
Spell of the Andes
By Dennis L. Siluk
English Version
This is a song of the Andes,
That reaches unto the sky
[...]

What started out as a lazy Sunday afternoon, I decided to rummage through some research materials for a topic to write about, when I came across an article on cats and water.
I started reading it and became fascinated. Not about the fact that cats really dont care about water one way or the other, [...]

India is an emerging hub of web design and software development of the world. This 60 billion dollar industry has grown exponentially in last few years. The country has proved its worth by developing its well skilled workforce with a large English speaking population. As a result, the country has become the main attraction for [...]

Are you new to the process of email marketing? If so, you may be unsure how to maximize the potential of each of your correspondence items. Here, weve addressed some of the basics of email marketing that youll need to consider to make your experience both lucrative and enjoyable!
Avoid Deceptive Subject Lines
Many email [...]