Answers to All Your Questions Regarding Loan and Mortgage Protection Insurance

Loan and mortgage protection insurance is designed to help you, and your family keep up-to-date with your loan repayments, when life events happen unexpectedly and regardless of mitigating circumstances. Put simply, mortgages or loans are often long-term commitments, so it makes sense to protect them.

Do You Think About the Unexpected?

There are a number of reasons why even the most responsible money managers may get into financial difficulty. Any of the following reasons can strike at any time and will leave you struggling to make your loan repayments:

>> Change in health – due to sickness, injury or disease

>> Loss of income – due to involuntary unemployment, or

>> Death and Terminal illness – when cancer, stroke or heart attack, etc. may occur.

Loan and Mortgage Protection Insurance – The Benefits

There are a number of benefits you can get from having a loan and mortgage protection insurance plan in place, which include:

>> The premiums are fully tax-deductible

>> Financial protection (you will save your family the worry of lost income)

>> You will save at tax time (you will get more money back in your tax return, and this means more money in your pocket)

>> You can choose how long you would like to receive cover benefits if you are injured and unable to work

>> Benefit payouts for total and permanent disability

>> A benefit amount (e.g. hospital cash) can be calculated for each night you spend in hospital

>> Associated accident costs can be provided to cover incidental costs (e.g. counseling and rehabilitation).

Common Questions regarding Loan and Mortgage Protection Insurance

Is Lenders Mortgage Insurance (LMI) different to Loan and Mortgage Insurance?

>> LMI – is compulsory and covers the lenders/credit providers if they lend you 80% or more

>> Loan and Mortgage Protection Insurance – covers your mortgage repayments in the event of death, sickness, unemployment or disability

Does the Unemployment Benefit apply if I am Self-Employed?

Yes. You may make a claim if:

>> You have worked in your business (for an average of 20 hours per week) for 180 days immediately prior to becoming unemployed, or

>> Your business has permanently ceased trading

What Happens to my Policy if my Unemployment Claim is Successful?

Your cover continues for death or terminal illness after making a successful unemployment claim, and your premium and benefits will remain the same.

Who will be the Beneficiaries?

>> For a single life policy, the benefit will be paid to the policy owner or their estate, and

>> For a joint policy, the benefit payments are made to the policy owners jointly or to the surviving policy owner in the case of the death benefit

What happens if I need to make a Claim and I have Other Insurance Policies?

Upon acceptance of your claim, the loan or mortgage protection policy will payout a lump sum benefit directly to you or your estate and this will be in addition to any other payments you may receive from other insurance policies.

What if I am a Smoker now, will my Premium Change if I Stop Smoking?

>> Yes. Your premium can be changed to a non-smoker rate if you stop smoking for 12 consecutive months, and

>> You will need to make a declaration that you have not smoked any substance during this period

So, now that you are familiar with how “Loan and Mortgage Protection Insurance” can protect you and your family against any of life’s unexpected events, contact an insurance broker. He/she will understand your situation and suggest the best possible insurance policy for yourself.

Singh Finance is the perfect solution for your finance and insurance needs. The firm will help you in getting affordable finance packages. It will also make sure that you get the best loan and mortgage protection insurance policy. Contact Singh Finance and get ready to make your life less stressful.

Article Source:


Mobile Computing: Enhancing Business Access and Communication In The Workplace

Mobile computing is very pervasive everywhere you go these days. Many people depend on their smartphones for business and personal undertakings; hence the term business mobile came to being. Moreover, the birth of mobile apps specially designed for mobility come to the market each day which makes mobile computation in the workplace a breeze.

Technology is moving faster that every day people find it difficult to keep pace. Business organizations, however must devise ways to evaluate new market trends in mobile computing to thrive and be competitive. Employees must be able to work from various locations with the help of various mobile computing devices.

As the workplace evolved to become more mobile; enterprises need to develop their business strategies to address major concerns. These can range from security, accessibility, and support, which are considered the leading issues that surround mobile computing in the workplace.

Revolutionizing Workers Access To Information

As business mobile and tablets becoming popular nowadays, communications and internet access demands mobility. Many companies today discover that they could not function efficiently without the right mobile computing tools. The demand for connectivity and access simply translates to the fact that the business must place a premium on providing mobility and support with the aid of mobile apps.

By adhering to various mobile computing technologies, companies have the opportunity to change the way they do business. With the opportunity to access corporate resources from various locations, business can access a wider pool of staffing resources. Depending on the vacancy, they can hire the best qualified candidate for the best possible price.

Business organizations can even tap into workers who may not be able or willing to do a conventional 9 to 5 office hours. For instance, qualified stay at home parents, senior citizens, or those who are differently-abled. Mobile computing makes for a win-win scenario in this case. For some other tasks, employees offshore may be brought on board via a telecommuting agreement.

Telecommuters, traveling employees, and in-house staff that must keep in touch 24/7 will need mobile computing to do business harmoniously. Mobility enables all employees to be on the same page, regardless of their actual location in the world.

Social media is another way mobile computation in the workplace is made possible. As more and more business organizations are integrating social media in their marketing strategies, the need to be connected to these media has likewise increased.

Marketers and business owners must know what customers and prospects want, their problems, and the market trends are all essential for companies.

This way, business owners can help shape the conversation and promote their brand as they become proactive in various social media platforms with the help of their business mobile. Through mobile computing apps, marketers can stay on top of the competition with real-time communication tools.

Other Issues Surrounding Mobile Computing

One of the major considerations when it comes to computing is how communications and accessibility will be managed considering the vast number of mobile devices available at their disposal. Business owners may standardize certain apps and devices. Or, they can implement and use their very own business mobile applications for use in the workplace.

As technology evolves, the more benefits redound to the welfare of many businesses. A robust mobile marketing campaign must be put impetus on mobility rather on devices and other related technologies. As technology changes, users adapt to new devices, and communication as well as access should remain unaffected.

Consequently, IT departments must take into careful consideration privacy and security. IT heads must extend their online security practices to the workplace and impose the same by way of a policy. Businesses remain focused on coming up with mobility strategies and resources that will help boost workplace productivity and accessibility. The appropriate and exacting mobile strategies will surely help boost the company’s profitability and afford workers more work productivity as well as flexibility.

Rydal Communications UK

We offer only the best, efficient and affordable business broadband deals in the UK. We also offer business mobiles, business landlines and business VoIP system.

Article Source:


How to Spot a Quality Beauty Blogger or Vlogger

Indeed, using any one of the many amazing beauty tips and makeup tutorials online is a lot more economical, and it is relatively easy to find someone whose advice that you like and who posts techniques and product reviews that are relevant to you.

However, not all bloggers and vloggers are the same, and you should be aware of a few things before you decide to follow someone. Here are some things to watch out for as well as some signs of a great beauty blogger that mean that you can trust their advice when they recommend products and techniques to you.

The first thing to bear in mind is that many beauty bloggers and vloggers will have been sponsored by certain companies to give reviews of their items or promote them. Some bloggers are happy to do this, whereas others decide that they would prefer not to be sponsored and instead be free to review the items that they please.

Although it is understandable that many beauty vloggers and bloggers do choose to review certain items, be aware that there is an honest and a dishonest way to do this. An honest blogger will point out if one of their posts is sponsored, and will tell you if they have been sent an item for free before reviewing it – this means they are not hiding the fact that their information may be promotional.

In addition to this, look out for bloggers who are not afraid to say if they dislike a product rather than just saying positive things about it. No item is entirely perfect, and the sign of an honest blogger is that they are not afraid to express all of their varying opinions on different items. Therefore, look for someone who is open about sponsorship and honest in reviewing different products.

Another sign that the blogger sharing amazing beauty tips and makeup tutorials online is a reputable and reliable one is that she or he has some experience in dealing with make up and beauty products before in their job or occupation. They may, on the other hand, be a self taught individual with many years of make up as a hobby behind them.

Either way, look for someone who appears to know what they are talking about for the best tips and the best results. Some beauty bloggers formerly worked on beauty counters or are trained in beauty therapy, whereas others have done costume makeup for local theater productions or currently work as make up artists.

Although it is fair to say that, yes, anyone can become a blogger or vlogger and deliver amazing beauty tips and makeup tutorials online, some level of expertise can give you a lot of confidence in what you are being taught.

Finally, look for bloggers and vloggers who ensure that they use good lighting in their photos and videos when they are sharing their tips. Lighting should be able to accurately portray the colors and products being used so that viewers or readers know exactly how these products will look if and when they buy and use them themselves.

You should also look for bloggers and vloggers who do not ‘cheat’ too much with airbrushed or applying filters to their videos and photographs. This can distort the effect that you are seeing and mislead you into buying products that are not that great – look instead for someone who has good, honest advice to give and has nothing to hide.

Natascha Cox is a popular fashion and beauty blogger based in London in the UK, with a huge social media following on Twitter, Instagram, Bloglovin’, Facebook and many more. Delivering her fresh take on current fashion, beauty and travel, Natascha updates her blog regularly with tips, tricks, product reviews, tutorials, travel blogs, promotional deals for readers and an insider’s look at some of the biggest fashion events around the world. Readers who sign up at Natascha Cox’s blog will benefit from all the latest news and trends straight to their inbox, along with the chance to win a completely free gift for each new subscriber. To find out more, please visit:

Article Source:


Accessing Great Thoughts From Your Spiritual Guidance

Have you discovered what connects you with your spiritual Guidance and supports you in downloading ‘great thoughts?’

“All truly great thoughts are conceived while walking.” – Friedrich Nietzsche

I have been walking almost daily for about 50 years. I love my walks out in nature with my dogs, doing my morning prayers and my Inner Bonding process. Generally, I spend most of my inner work process communing with my spiritual Guidance. For over 30 years, since Spirit downloaded the process for our inner work to me and Dr. Erika, I’ve received most of my “great thoughts” from my Guidance during my walks.

So I was delighted when I discovered this quote by Nietzsche!

Some people can sit in meditation and receive their great thoughts from their spiritual Guidance, but not me. I’m not generally a sitter – I’m mostly a mover. Even as a small child, if I had to be indoors, I couldn’t sit still for very long, but outdoors was a different story. We went camping a lot when I was a child. I loved to climb on top of very big rock outcroppings and sit, mesmerized by the beauty of nature. Even as a child, I sometimes had great thoughts,sitting out in nature.

But then I discovered walking in nature and that changed everything for me. There is something about walking out in nature that connects me with my higher Guidance. I discovered that walking in nature while doing my prayers, expressing gratitude and doing my inner work process out loud, is my very best form of meditation. Perhaps it’s akin to what some indigenous peoples do when they move into a trance state through dancing and chanting. I don’t go into a trance state, but I certainly do go into an altered state that raises my frequency and allows me profound access to my Guidance.

Doing this each morning sets the tone of the day for me. I find it much easier to stay connected the rest of the day when I’ve taken my half-hour morning walk. Not only do I love walking in nature, I also love that it sets the tone for my day and supports me in staying connected throughout the day. And, since I do a fast walk up and down hills, I get exercise at the same time!

We generally do what we love to do. Since I love my walks in nature, and since I love connecting with my Guidance, I am highly motivated to walk each day. In fact, I try very hard not to miss my walk. Even in the dead of winter when it’s cold and snowy, I walk, wearing my heated vest and heated gloves. I marvel at the beauty of the snow-covered bare trees.

Walking in nature doing my inner work isn’t the only way I access my Guidance, but I’ve found it’s the best way to start my day. I also access my Guidance when I paint and make pots on my wheel, and when we kayak on our lake, and when I play with my animals – and, of course, any time I’m in a true intent to learn.

I encourage you to find what works for you to access your ‘great thoughts.’ What raises your frequency and connects you with the love and wisdom of your spiritual Guidance? What fills your heart with peace and joy? What do you love to do so much that you don’t have to force yourself – you do it for the joy of it?

I hope you find what does this for you so you can experience the great joy of connecting with your profound Source of love, peace, joy and great thoughts!

By Margaret Paul, PhD

Margaret Paul, Ph.D. is the best-selling author and co-author of eight books, including “Do I Have To Give Up Me To Be Loved By You?” and “Healing Your Aloneness.” She is the co-creator of the powerful Inner BondingĀ® healing process. Learn Inner Bonding now! Visit her web site for a FREE Inner Bonding course: or email her at Phone sessions available.

Article Source:,_Ph.D./16527


The Great Shame Game

A rather novel game has been steadily growing in popularity recently; not a new game but one that has been transformed from its ugly roots of bullying into something chic and alluring to many. It’s called the ‘Great Shame Game,’ now carefully shrouded under a veil of superiority and intrigue. The game comes complete with a label maker allowing the players to easily assign a brand to identify their opponents, lest they forget why they have been deemed unacceptable.

This game also includes a spin machine to assist in reinforcing the branding of opponents. Their air of assumed superiority prevents them from using the traditional bullying terms. The spin machine allows them to repackage their findings to attract a larger audience of supporters. How can you identify the players? Those who engage in this game frequently label their opponents as uninformed, ill-mannered, racist and a host of other labels designed to relegate one to the pile labeled ‘undesirables… ‘ recently they have added dangerous to their labels.

The victims of this game range from those who dare to voice a controversial opinion of religious or political ideals all the way to those who may not be housed in a perfect body. Should you dare to voice a differing opinion they immediately seek an acceptable manner to convert your words to having racial or hateful undertones. Shame on you they are quick to say! Shame on you if you believe differently, if you hold an opinion that may not be rooted in their ideology… shame on you! You are ill-bred, ignorant, a racist or some other label that is diametrically opposed to your beliefs or the facts.

You may have unwittingly become a victim by simply stating an opinion, being a member of a church with differing ideas or supporting a political position they may not agree with. Once spoken you are treated to a stare of disdain and a lecture about how ridiculous your opinion is. They are quick to remind you that they have far more experience or education than you, thus cementing the fact that you are uninformed and your opinion has no real value. Your statement is almost immediately assumed to be motivated by something that is ugly, classless and ignorant. This translates to the idea that one is not nearly as smart as they are and should therefore accept that they know best. In the south, this is a ‘bless your little heart’ statement that was never a compliment.

Differing ideas is the foundation of ingenuity and creativity, lying at the very foundation of greatness in our country. We were born of the belief that every person and their right to believe individually was worth protecting so long as it conforms to our laws and does not hurt others. And it is. This is how new ideas become inventions that change the world in a remarkable way. Even if one does not accept the ideas of another, they are able to carefully examine what has been presented and search for their own idea of a better way. We lose this opportunity when we refuse to listen to or entertain the idea that differing opinions may have merit. We are not asked to accept, but merely to respect their right to believe that a better way may be available; one that is different from what we believe.

This is a hateful and hate filled game. We are better than this; better as a nation and better as a society. America is the shining light on the hill because we are not that kind of people, and never were. Shame on us if we allow this to become our norm.

To learn more about this author please visit To learn more about her available books, please visit or your favorite bookseller.

Article Source:


Massage in Bucharest

Recognize it! You’re busy! And so must be! That’s what life is like! But you want more than that, you want to do more for yourself and massage can help. Because massage makes more than a simple relaxation of the mind and body. It keeps your body in shape and gives you enough energy to make you enjoy a longer life better than you do it today.

Massage releases stress. At the moment, stress is a universal evil. Every time you are late, every time you avoid a car in traffic, every time you have trouble working, stress is doing his job. Each time adrenaline increases heart rate and cortisone levels and organs respond to the measure. You will be in a state of nerves and constant agitation.
When there is no release of stress, serious problems such as an upset stomach, hypertension, sleep disturbances, chest pain, or existing illness may worsen.

Some of the changes that may occur are: Anxiety, lack of concentration, depression, permanent fatigue, muscle or bone pain, sexual dysfunction, excessive sleep or insomnia

All these stress-related problems can be diminished and some can be totally eliminated by massage. The researchers concluded that a massage session can lower heart rate and blood pressure, relax your muscles and increase endorphin production. The massage also releases serotonin and dopamine and the result is a general relaxation, both physical and mental.
Our body care must be at the top of the priorities.
By adding the massage to your routine you will look much better and you will be much healthier and relaxed. Massage can improve your vitality and mood. Massage can prepare for a long and beautiful life.

Our masseuses personalize each massage session according to the needs of the individual.
Our massage parlors offer a variety of relaxation styles and techniques to help you. Apart from relaxing, massage can be a powerful ally in reducing pain, increasing energy levels, improving mental and physical performance

We recommend : HotAngels , VipZone , JadePalace , ThaiPassion

After a massage session, you will see how the mental prospects are enriched, the body allows easier handling, better pressure resistance, relaxation and mental alertness, calm and creative thinking.
When you have the impression or force yourself to stay straight, your body is not actually aligned properly. Not only does the posture look bad, but it forces some of the muscles to go muddy all day, while others become weaker. After a long time, the incorrect position may cause other drops. For example, internal organs press on what affects digestion, breathing ability is also diminished, which means that much less blood and oxygen reaches the brain and hence all sorts of other complications.

Massage allows you to return your body to the track. Allowing the body to make healthy and accurate movements is one of the greatest benefits of massage. Massage can relax and restore muscles injured by bad posture, allowing the body to position itself in a natural, painless position.
Apart from posture, there is also anxiety. One of the signs of anxiety and stress can also be heavy breathing. When the body begins to breathe too little and deeply instead of breathing at a natural rithm, it is impossible for one to relax. One reason may also be that the chest muscles and the abdomen get tightened and the air gets harder.

Massage plays an important role in learning the body how to relax and how to improve breathing. Respiratory problems such as allergies, sinuses, asthma or bronchitis are a group of conditions that can benefit from massage. In fact, massage can have a positive impact on respiratory function.

Many of the muscles in the front and back of the upper part of the body are breathing accessory. When these muscles are tight and shorten they can block normal breathing and interrupt effective breathing natural rithm. Massage techniques for stretching and relaxing these muscles improves breathing function and breathability. Massage leads to an opening of the chest as well as structural alignment and nerve dilatation that are required for optimal pulmonary function. A good way to treat respiratory problems with massage is the taping made in Swedish massage. When done on the back, along with vibrations, it can detach the mucus from the lungs and can clean the airways for better later function.

Massage not only relaxes muscles, but helps people become aware of daily stress levels. Once the body recognizes what really means relaxation, the mind can rest easily relax before the stress becomes cornice and harmful. This will help you enjoy a balanced life. Massage controls breathing, allows the mind to re-create relaxation before the occurrence of chronic and harmful stress and increases the level of energy.