decreasing term life insurance provides life insurance coverage for a specific period of time. Presently, one year to thirty five years are the periods one can buy decreasing term life insurance over. If the insured dies during the period the insurance is in force, the insurance company pays off the face value of the policy. If the insured lives longer than the term of the policy, the policy is no longer in effect. Nothing is paid.
Decreasing term life insurance, or mortgage protection life insurance, as it is commonly known, has a sum assured which reduces each year (or possibly each month) by a stated amount, decreasing to nil at the end of the term. It is normally used to cover a reducing debt, such as the capital outstanding on a house purchase mortgage, with the sum assured being linked to the reduction in the capital outstanding under the loan.
Cheap decreasing term life insurance
Although the cover decreases each year, the premium remains constant. Premiums are sometimes payable for a shorter period than the policy term itself, because otherwise there would be a temptation for the assured to lapse the policy in the last year or two, when the sum assured has reduced to a comparatively low level.
Premiums for decreasing term life insurance are either slightly cheaper than for level term assurance for the same initial sum assured and term – or the same, but payable for a shorter period.
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The first quarter composite ratio delinquencies are as follows:
* Personal loan delinquencies dipped to 1.81 percent from 1.97 percent.
* Direct auto loan delinquencies rose to 1.78 percent from 1.72 percent.
* Indirect auto loan delinquencies fell to 2.04 percent from 2.13 percent.
* Recreational vehicle loan delinquencies dropped to 0.78 percent from 0.9 percent.
* Marine loan delinquencies decreased to 0.94 percent from 1.01 percent.
* Home equity loan delinquencies fell to 1.94 from 2.07 percent.
* Property improvement loan delinquencies increased to 1.42 percent from 1.36 percent.
* Mobile home loan delinquencies dropped to 3.37 percent from 3.91 percent.
Additionally past-due payments on home equity lines of credit - the lowest delinquency rate category - increased to 0.55 percent from 0.51 percent, the fifth consecutive quarterly increase.
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In a Newsweek article from March of 2000, Jack Kroll argues that "games can be fun and rewarding in many ways, but they can't transmit the emotional complexity that is the root of art."[1] Kroll's article sparked a series of angry replies, mostly from gamers writing for industry magazines on the web,[2] but the controversy was not confined to fan culture and journalism. In an article published in MIT's Technology Review called "Art Form for the Digital Age," film scholar Henry Jenkins criticized Kroll for dramatically underestimating the potential of video games.[3] Outside of academia, Kroll's article was also cited in an amicus brief advising the Seventhth Circuit Court of Appeals on a case regarding an Indiana video game censorship law.[4] The extent and diversity of the response indicates that Kroll hit a nerve, and it is worthwhile to dig a little deeper into the issue.
Despite the cultural prominence of video games and technology-based art, philosophical aesthetics has completely ignored the area. Scholars in other disciplines, such as film, have taken the lead in the conceptual debate. This is unfortunate, since seldom are there questions in the philosophy of art that have direct, real world consequences. Philosophical inattention to video games has a de facto effect on the multi-billion dollar industry by inadvertently making hasty censorship attempts easier. The fact that philosophers have not raised the question of whether video games can be art lends credence to the assumption that they are not.
In this paper I argue thatby any major definition of art many modern video gamesshould be considered art.[5] Typically, one advances the art status of a purported art form in a deductive fashion, by first picking a favored definition of art, then demonstrating that the candidate satisfies the sufficient conditions for art according to that definition, and finally concluding that the art form in question is art. Rather than defining art and defending video games based on a single contentious definition, I offer reasons for thinking that video games can be art according to historical, aesthetic, institutional, representational and expressive theories of art. If we can agree that all these theories generally track our intuitions about what should be considered art, then when they are all in agreement we have good reason to think that we have successfully picked out an art form.
My argument proceeds in three major steps: I begin with a brief description of three recent games that have received extensive praise from gamers and game reviewers. I then attempt to situate video games with respect to larger issues about art and games by assessing the relevance of arguments about the aesthetics of sport and chess. Finally, I offer a host of reasons why some video games should be considered art according to several major theories of art. Overall, I argue that while many video games probably should not be considered art, there are good reasons to think that some video games should be classified as art.
Travel Hot Spots
It's no secret that Europe is getting seriously overpriced for those of us traveling on the struggling U.S. dollar.
Everything you've heard about a cup of coffee in a German train station running $5 and hotel rooms in Paris that went for $200 in the year 2000 tallying $275 today (with no change in the euro rate) is true.
Heck, even the Swiss franc is nearly one-to-one with the dollar these days -- and the Danish krone is bullying up on us with even more hostility than the euro.
While there are ways to squeeze the most out of your money when traveling on the Continent, the fact remains that a vacation in England, France or Italy is going to put a far more serious dent in your travel budget this summer than it would have as recently as a year or two ago.
The good news?
Europe, for all its allure, is only a small swath of a planet that's positively brimming with budget travel destinations -- of course, some are admittedly far-flung, but others lie hearteningly closer to home.
So, in the interest of saving cash on international travels while keeping your wanderlust alive, start thinking about destinations that are still happily affordable for American travelers.
And remember -- even if the initial outlay of cash for a plane ticket to reach some of our favorite budget travel destinations gives you sticker shock, once you land, you'll be rewarded with an exchange rate that's actually to your advantage.
Here are a few ideas of where to go when it comes to keeping your travel expenses to a relative minimum.
The first step in choosing a credit card is thinking about how you will use it.
If you expect to always pay your monthly bill in full--and other features such as frequent flyer miles don’t interest you--your best choice may be a card that has no annual fee and offers a longer grace period.
If you sometimes carry over a balance from month to month, you may be more interested in a card that carries a lower interest rate (stated as an annual percentage rate, or APR).
If you expect to use your card to get cash advances, you’ll want to look for a card that carries a lower APR and lower fees on cash advances. Some cards charge a higher APR for cash advances than for purchases.
Taking out a mortgage is probably the biggest financial undertaking you will ever make. Naturally, you will want to know which mortgages are the best ones. Happily, there is plenty of choice in the UK mortgage market, but with 3,000+ deals on offer, identifying which mortgage is best for you can be difficult.Around 70% of borrowers consult a financial adviser or mortgage broker who can quickly scour the market and find out which mortgage is the most appropriate, given your financial circumstances, plans, attitude to risk and other preferences. Others arrange their mortgages via a lender's branch, over the phone or on the internet.
Keyword Research Tool will help you research appropriate words and phrases to include in your webpage's body text to aid in promotion. Simply enter the sort of word of phrase you wish to be found under, and the tool will suggest some additional words and phrases you can think about using.
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"Let me tell you about an incredible ground-level business opportunity," and you are invited to a house or to lunch for "a discussion." Funny enough, you feel sick in your gut that there is some hidden agenda or deception. "Probably a multi-level marketing (MLM) organization," you think. Suppose it is? Should you trust your instincts? Is there anything wrong with MLM?
This article will analyze four problem areas with MLM. Specifically, it will focus on problems of I) Market Saturation, II) Pyramid Structure, III) Morality and Ethics, and IV) Relationship Issues associated with MLMs. Thus, you can properly assess your "instincts."
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Source: 45n5.com
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