There are many reasons why people gamble, but the most common one is that they enjoy doing so. To many, a session at an online casino is like watching a movie on Netflix or a live telecast of a rugby game. The rugby match gives greater joy if the team you back wins in the end. In the same way, gambling is more fun when you are winning.

The cold mathematically-minded punters approach winning in a clinical way. They select casino games with the lowest house edge. It’s these that allow the gamblers to stack the odds in their favor against the casino. Then there are those that will ride their luck with a yellow kerchief in their pocket or an old horseshoe on their desk. Finally, you will find gamblers who need an immersive ambiance that provides positive energy and propels them to favorable outcomes. It is this third type that is the subject of this article and we take you through some of the prayers and rituals they follow.

A Magical Aura Works Wonders

There are many systems for bringing magical energies to your home, but the one most popular in contemporary times is Feng Shui.

Feng Shui and Gambling

Feng Shui is the Chinese system of creating harmonious surroundings that enhance the balance of yin and yang and bring positive results. It is a philosophy backed by centuries of experience and here we touch upon a few gambling-related issues.

• Locate your gambling den in the southeast corner of your home because that direction is the wealth sector. The color red is bad luck so make sure that there is nothing red in the room.
• If you wish to be flooded with lucky streaks then wear a jade ring, on the right hand for males and on the left hand for females. Never wear a ring on your thumb while gambling because it symbolizes losing wealth.
• According to Feng Shui, the most profitable time to gamble is between 6 pm and midnight. You can further fine-tune the period by checking a Feng Shui Geomancy Forecast.

Occidental Gambling Rituals

If you are not in tune with Asian mysticism, then you have an array of lucky gambling practices from the west.

• There is a number of formulations with which you should mop the floor of your gambling arena at home before you log on to your online casino. Some of the more popular ones are High John the Conqueror, Sandalwood Bath, Gamblers Big Al Wash and Winner Floor Wash. Try a few and see which creates the best aura of success.
• Then spray the room, especially the corners, for a quick dose of luck. Sandalwood spray and Espiritu de la Suerte perfume are what the expert gamblers use.

Oils and Perfumes Bring Luck to Gamblers

Gamblers use oils and perfumes in two different ways to bring them luck. We recommend their use on the skin because closeness is a surer way of inducing favorable outcomes. Alternatively, oils can be used to anoint candles, but keep the candles as close to you as possible. Some magic oils associated with gambling are Black Cat oil, Lucky Lottery oil, Has No Hanna oil, Winner oil, 7/11 oil and Chypre oil. Experts prefer to use the oils in conjunction with the Black Cat candle or Fast Cash Mojo candle to increase their strength.

Mojo Works for Gambling as Well

Mojo is the magical ability to influence results your way and is often said for men that can instantly charm women and for sportspersons that deliver unimaginable wins consistently. Gamblers can also have the mojo and beat the odds on a regular basis. For some, it comes naturally, but others can increase their mojo through the use of accessories.

Most gamblers use a mojo bag, but it needs to be personalized. You will have to determine what works best for you through a bit of trial and error. We know that many gamblers go for a green mojo bag, but it need not be the same for you. Find out what your lucky color is and use it for your mojo bag. Then you will need to fill your mojo bag with one or more good luck charms. Some items found in gambler mojo bags are old coins no longer in use, gemstone matching your zodiac sign, picture of a loved one and icon of your personal deity or saint.

Specific herbs and plants have often been associated with creating better moods. Many gamblers keep natural good luck charms, such as leaves and roots, in their mojo bags because these are perceived to have greater potency.

• Nutmeg Herb: Carve a hole in the nut, fill it with mercury and seal the opening using wax from a green candle.
• Queen of the Meadow Leaves: Add a pinch of these powerful leaves to your mojo bag. Another gambling ritual with Queen of the Meadow leaves is to make a body wash by soaking the leaves for seven days and adding the extract to your bathwater.
• High John the Conqueror: This is a famous voodoo root that can be carried in a mojo bag. For the greater effect, it should be anointed with Gamblers Oil or Winners Oil.

Filling the mojo bag with charms is not sufficient. You must dab the four corners with a magical oil or cologne every week to keep it powerful. You can use any of the ones mentioned earlier. If the odds are still not going your way, try dressing your mojo bag with the sachet powder.

Certain protocols have evolved in connection with mojo bags that gamblers should get acquainted with. It is essential that the bag is in contact with your skin for the first week because it needs to become accustomed to your scent. Tie it to a string looped around your neck and wear it under your shirt. After that keep it as close to you as possible. The mojo bag is your personal charm and it should not be shared with or touched by anyone else. This denudes it of its potency. Avid gamblers do not allow others to even see their mojo bags. 

Patron Saints of Gambling

There are no direct patron saints of gambling, and understandably so, but a couple of entities are revered by gamblers. 

San Expedito

Expedito was a Roman centurion who was martyred in CE 303 for converting to Christianity. He was venerated by the Catholic Church and over the centuries emerged as the patron saint who responded immediately to the call of his flock. This is exactly what gamblers facing an unlucky streak need and many look up to him to improve their luck.

Today there are San Expedito candles, perfumes and oils, but some of the more convenient options of seeking his help are given below.

• Wear a San Expedito medal around your neck or carry one in a mojo bag.
• Keep a San Expedito prayer card in your pocket when gambling. There is a specific prayer dedicated to the saint and you would do better to memorize and recite it before you start playing at your online casino.

Saint Cayetano

Cayetano was canonized in 1671 as the patron saint of good fortune, which makes him an ideal icon for gamblers. He was born in a well-to-do family but gave away his fortune to help those who needed it. There are no set rituals for supplication to Saint Cayetano, but similar ones to those for San Expedito can be followed.

You Have to Believe 

We would not recommend these rituals to gamblers that do not believe in the supernatural or in the power of prayer. Unless you are immersed heart and soul into these practices good luck on the casino tables will not follow.

Toilet paper is more than a commodity. It comes in different textures, colors, production methods, size, durability, and a lot of other things to meet your requirement. It was a simple cleaning product in early times and used to clean the body. It was known as a hygienic process to clean all the germs. In the present time, this piece of paper has turned into a massive and booming industry with several factories and units. We now have a variety of toilet papers with their own identity.

It is often seen as a long strip of pierced paper in the form of standard toilet paper. It is rolled around a paperboard to make it easy for people to use and store. We will look at different types of toilet paper in this article.

The Types of Toilet Paper

A simple, single-layered toilet paper is available in fascinating varieties and some of them are as follows:

1.   Ply Toilet Paper

Ply means the thickness and layers of a material. This type of toilet paper contains a single layer of paper. All of the toiler papers were 1-ply, and with time, several layers were introduced. Due to a single layer of paper, 1-ply toilet paper is not much durable but given the technology advancements, a single layer could be thicker, stronger, and durable than 2-ply or 3-ply products. 

It is very effective and costs less than other types for regular use. It is the most common one in many households. Moreover, it is quite good for septic systems because it breaks down easily and minimizes the risk of clogging.

2.   Luxury Toilet Paper

It brings an entire new and better level than common toilet paper. It has fancy variations, namely perfumed, lotioned, quilted, or scented. It is quite popular in the USA, having a billion dollars of sales. It has outdone the sales of other types. It ranges from 2-ply to 4-ply and gives one of the strongest and thickest feels. It has a staggeringly gentle and silky touch and has become one of the most loved toilet papers among Americans.

It is also known as premium extra-soft toilet paper because it has multiple layers which are soft and supple. It is regarded as a septic-safe and sewer-safe product. However, many people believe that it can clog pipes because of its 4-plyness. 

It is luxury not only in its features but also its price. It costs more than most of the toilet paper types. It comes in premium boxes and branded box makers give its packaging a surreal feel, so it comes off as a complete product. 

3.   Brown Toilet Paper

This type is known as unbleached toilet paper because it is eco-friendly and significantly less bleached during its production. It shows a brown color due to the small amount of bleach being used in its manufacturing process. It makes it super nature-oriented toilet paper. Purchasing an Earth-friendly toilet paper will leave a lower carbon footprint than common types. Moreover, it is produced from 100% recycled paper. 

It is manufactured for greener purposes, to save our beloved planet. Nonetheless, everything has strengths and weaknesses, and so does brown toilet paper. It is a bit rougher than regular rolls, and to conquer this issue, brands are trying to maintain a balanced ratio, like involving two recycled pulps to make it feel soft.

4.   Bamboo Toilet Paper

Talking about the environmental-friendly toilet paper, bamboo toilet paper is an improved nature-friendly product. A lot of people are working to minimize the use of conventional paper in order to preserve nature. They are resorting to bamboo tissue paper as a part of a tree-free campaign.

It is prepared from a blend of sugarcane and bamboo. Bamboo does not fall in the category of trees and is technically grass that could be grown fast and reaped within a timeline of three months. 

It interestingly has the ability to endure up to three times the amount of water with respect to its weight, making it quite absorbent. Contrasting other types, bamboo toilet paper is terrifically soft and silky because it is also not bleached. The reason for its toughness and durability is because it might feel slightly rough to the touch than standard ones. 

Its drawback is that it is pricier than normal tissue paper types, which is why many consumers are undecided about using them.

5.   Colored Toilet Paper

This type was quite a thing in its time, and we can guess from its name why it is different from other types. It created a hype and buzz in its time but with a dramatic steep decline in its demand. It was discontinued because it was harmful to the skin because of pastel dyes. It was dangerous for both humans and environment. It was costly and soon saw its way out of the door. 

Conclusion 

We have seen that it is quite interesting that something as basic and simple as toilet paper could have such a huge, booming market. It is one of the most important essentials and people are buying that is fitting best to their needs. 

The year 2021 also appears to be like 2020. Although there are vaccines, but not enough to grant immunity to the whole world or even a whole country. And it is due to this reason that governments continue to impose restrictions and lockdowns. Gatherings and events are still closely monitored and unnecessarily large gatherings have been prohibited. This means that going out without an essential reason is also a no-no. Moreover, when you know that many are yet to be vaccinated, going on actual dates or having a hookup is quite risky. Hence, in 2021, single men will have to depend on safer options such as sex dolls or virtual dating.

In order to understand which one is the best option, we need to look at the pros and cons of both.

Virtual Dating

All forms of dating occurring online or through devices such as phones is considered virtual. Online dating is virtual dating; apps and websites are the channels.

Pros

• Can be easily accessed through the internet and a device like a phone or a laptop.
• Signup is easy and requires minimal effort.
• Connects you to a large group of people with similar interests and locations.
• You can choose whom you want to connect with and then get to know them.
• Virtual applications such as chat and video chat can help in getting intimate, without actually getting together, keeping one safe.

Cons

• A person online could be very different from the same person in real life.
• it is easier to hide true identities and lie on virtual platforms.
• Scammers find this an easy way to extort money.
• Online sex may not be as real for some people.

Sex Dolls

Sex dolls come under the sex toy category as essentially you are using an inanimate object to satisfy your carnal desires.

Pros

• Easy to order online and deliver to your doorstep.
• Readily available with you to enjoy yourself anytime.
• One doesn’t have to “woo” the partner in order to get to sex.
• Sex dolls today are very close to human likeness and they can fulfill certain desires for companionship in these difficult times.

Cons

• A sex doll – though it provides pleasure, cannot substitute a real human woman.
• It can lead to unhealthy attachments to an inanimate object.
• A sex doll cannot equate to a committed relationship and can only fulfil physical desires.
• With a real woman, you have someone to talk to, someone who will understand you. But with a doll, no such requirements are fulfilled.

Sex dolls and virtual dating both have their pros and cons and one needs to decide which one they prefer based on their desires. It also depends on the availability of these options. For example, in order to get a sex doll, one needs to have sufficient amount of money and budget to buy one and get it shipped. The seller should be delivering in the buyer’s area so he can get it easily. Without these two factors, it will be difficult to source a sex doll. So, it is choice and convenience that comes into play here. In case of virtual dating, it is relatively easier to access the channels for it, however, a good internet connection is mandatory. There are also risks with the type of people you find online and the information you share with them. Precautions such as not divulging identifiable information or avoiding any cash transactions must be taken. One also needs to think about how many genuine people are online, because it is difficult to tell if the woman you are talking to is a woman or actually a man pretending to be a woman and waiting to scam you. Virtual dating has variety and even sex dolls have varied options such as anime dolls. Both options are available and single men can choose the one that appeals to them the most.

If you are in a bind, such as needing to pay for costly car repairs or medical bills between paychecks, then you may consider a payday loan. Payday loans are short-term cash loans. Thankfully, it usually is possible to get a payday loan even if you have bad credit. Payday loans usually don’t rely only on your credit score for approval. Also, because they are unsecured you won’t have to put forward collateral or put anything up.

Let’s take a look at the types of loans available to those with poor credit, bad credit, or even no credit.

What Are the Requirements for a Payday Loan?

When you want to secure a payday loan you will need to fill out an application with a lender. Typically, the application will ask for the following:

• Your age and identification (you must be at least 18 years old)
• Your checking account (it must be active)
• Your source of income (you must have a reliable source of income)

You may be relieved to see that these requirements don’t say anything about a credit check. But then why do so many payday lenders advertise no credit check loans?

The truth is that most lenders will always perform a credit check, even if they advertise a no credit check payday loan. However, your credit history won’t always weigh heavily into a lender’s decision. Sometimes even a lackluster credit report won’t prevent you from getting a loan.

What most lenders really want to know when reviewing an application is if you have a steady source of income, preferably from employment.

What Is a No Credit Check Payday Loan?

As discussed, a no credit check payday loan doesn’t necessarily mean the lender won’t check your credit history at all. Instead, it typically means you will receive an instant decision on whether or not you are approved. In order to make this quick decision, the lender will likely run a soft credit check.

What Is a Soft Credit Check?

A soft credit check is also known as a soft pull or a soft inquiry. You can perform a soft credit check on yourself, and borrowers commonly use them for pre-approval purposes.

They happen when someone is reviewing your credit for purposes other than underwriting a loan so they are not linked directly to an application for credit. This means they won’t affect your credit score. They are more or less a reference to your credit history.

What can a lender use your credit history for?

• For pre-approval
• To help determine the terms and rates of your loan agreement
• Employment verification
• Your self credit check history

Soft credit checks are unlike hard credit checks. They can occur without your permission.

What is a Hard Credit Check?

A hard credit check, or a hard pull or hard inquiry, is when the lender reviews your credit report to make a decision on your loan application. They check your score and report with traditional credit bureaus like Experian or Equifax. These inquiries will show up on your credit report for a little over two years. Too many credit checks may affect your credit score.

A variety of lenders may use hard credit checks. Common applications that require hard credit checks are:

• Mortgages
• Auto and student loans
• Credit cards
• Apartment rentals

You must explicitly give your consent for a hard credit check to be performed on you. Know that online payday loans do not use hard credit checks.

Does My Bad Credit Mean I Won’t Be Approved?

Even if a lender performs a soft credit check and finds a less than stellar credit history, you still may be approved for a loan. However, in some cases, you may be denied.

Because different lenders have different underwriting criteria it is never a bad idea to try applying with a few different lenders even after a rejection. A simpler way to apply for a payday loan with bad or no credit history is by using a matching service, like GreenStarCash.com.

A matching service has a relationship with dozens and sometimes hundreds of vetted direct lenders. You only need to fill out an application once and the matching service will then work as a liaison between you and available lenders. Should one lender reject your application they can send it on to another lender. This may increase your chances of securing a payday loan.

When Should I Apply for a No Credit Check Loan

You may prefer a no credit check loan or a no hard credit check loan for a few reasons. Because these loans are only performing a soft credit check, you usually can get pre-approved pretty quickly.

Additionally, if you have a poor credit history you may be at risk of being denied by a credit institution. Payday lenders using a soft pull won’t check your credit history with the major credit bureaus and therefore your history won’t factor into their decision.

Finally, if you don’t want this new line of credit to show up on your credit history, or affect your credit score then a payday loan is the way to go. Not only will they not perform a hard check with credit bureaus but they also probably won’t report any lending information to credit reporting companies.

Getting a Payday Loan with Bad or No Credit History

Getting a payday loan with bad or no credit history is possible. Most lenders will still check your credit history, even those that say otherwise, but they may not let the results sway their decision.

Masks are in high demand on the market today because of their respiratory advantages in preventing Coronavirus infections. Because of this, there are many suppliers on the market today some of which have fake face masks.

So, you must be in a position to identify the best place to buy the right face mask from the various suppliers available. Following are the best tips on identifying the right mask;

1. Examine the Markings on The Mask

You should first examine the markings on the mask you wish to buy. The right mask should have a logo and information indicating it has been verified and approved by the relevant authorities.

This assures you that you are taking the right mask however, if the mask is blank, then it is a red flag and you shouldn’t take it. This is because there are lots of fake N95 Mask on market and it might be one of them.

It should also have a TC code showing that it was tested and certified with a numerical code. This proves that it is safe for use and won’t cause you any harm.

2. How Does It Secure Your Face?

The right face mask has 2 bands that tie around your head’s back to ensure it seals your nose and mouth. Well, it efficiently covers your mouth and nose to ensure that any air you breathe passes through it after being filtered by its layers.

So, if the mask you find or you have already bought has ear loops then it’s fake.

3. Check the License of The Supplier

The right mask supplier company must be licensed and regulated by the relevant licensing authority. You can check on its website to see if there’s any license displayed and you can make inquiries from the relevant regulatory authority to ensure the license is valid and not fake.

This saves you from dealing with illegal suppliers who might give you fake N95 Mask that put your health and that of your workers at risk of infection.

4. Embrace Online Reviews

Online reviews on different suppliers help you to identify one with the right masks. Various customers reveal their experiences with different supplies which helps you to choose the one to deal with.

If the reviews about a given supplier are positive, you can deal with the company but if they are negative, then you shouldn’t work with it as you are likely to get the same bad experience.

5. Ask for Recommendations

You can ask for recommendations from others who use the facemasks. These can direct you to the right supplier where they buy their masks from. 

This saves you a lot of time as they direct you to a place they already trust and you only have to place your order. You don’t have to first check every mask supplier because it has already been done by the person recommending you.

Get the Right Mask

Use the above tips to be in a position of buying the right mask from the best and trusted supplier on the market.

Finding Your Future Slavic Brides

If you plan to meet Slavic brides online, you need to get to know these charming ladies closer. Actually, first of all, you should know that these women represent countries like Russia, Ukraine, Bulgaria, and so on. Generalizing, these girls come from Eastern Europe. Some of them represent post-Soviet countries. Since the collapse of the Soviet Union, much has changed in these countries, and there has been a tendency for women to marry men from western countries.

At the end of the 20th century, many women sought a chance to find a better life outside their countries, which paved the way for the popularity of international marriages. Slavic brides have continued their legacy of popularity in this century as well. Simply speaking, if you are interested in ladies from Russia or Ukraine, you can look for the sites offering Slavic brides as these girls share a lot in common. Before delving into how you can find the best platform to get acquainted with your future wife, have a glance at Slavic ladies’ unique features. 

Features of Slavic Brides

Women of every nation have different features making them unique, while some will stand out for their beauty, the others will boast about their inner world. What makes Slavic girls unique is that these women can be ideal for marriage given their attitude to their men and families. Here are some important features to know.

Charming appearance

Definitely, what can be more appealing than a lady’s natural beauty. Men have always desired elegant and chic ladies. Although their beauty is inherent, it doesn’t mean they don’t invest in their beauty. Since Slavic ladies are obsessed with appearance, it’s quite normal for men to fall in love with them.

Good educational background

The interesting point of post-Soviet countries, at least a major part of them, is that there is much focus on education. There’s a higher percentage of ladies with higher education. Thus, don’t be surprised that your Slavic bride will be erudite and well-educated. Your dating won’t be boring at all as with these women, you’ll always have something to talk about.

Awesome housekeepers

Besides their intellect and beauty, these ladies are great at housekeeping as well. They tend to be career-oriented, but unlike other females, Slavic brides know how to be good at jobs and at home at the same time. So, when coming back home, you won’t get attacked by women’s complaints not having time to prepare food for you. Be sure that your house will be clean and your food prepared. Their culinary skills are what you need to test that they are great cooks.

Passionate ladies

When you marry Slavic ladies, you know that your home will be safe and taken care of. But this is not only what you’ll get after marrying them. Don’t forget that you are to spend the most passionate evenings and nights at home. It’s a fact that ladies from Russia, Ukraine, or Belorussia are hot in bed, and this is why they are more than great housewives.

Finding Slavic Brides On Dating Sites

Now that you may be interested in finding and marrying Slavic brides, it’s time to consider where to start looking for them. There are many great dating platforms offering the services of mail order brides. Thus, you need to find the best dating sites where you can benefit from the services, starting from dating to marriage arrangements.

Do your research before dating online

While googling, don’t start with a random site. You need to look through the possible choices and find out what it can offer. What’s more, you need to find several options so that you can compare the sites in many aspects such as the quality of services, range of features, safety measures, and so on.

Find an affordable platform

Mail-order bride sites and agencies may cost a lot, and thus, before you start this venture of finding your Slavic bride and starting dating her, you should be financially ready for that. It’s critical that you should compare the costs of several sites before dating. The prices may change from one site to another.

Read reviews before making decisions

You should note that reviews may help you find the best dating sites where you can meet your Slavic brides. There are reviews made by experts who will assess the sites in-depth so that you can see if the platform suits you or not. Also, on some forums, you may find reviews made by real users. With reviews, you can have a broader idea about a dating site. 

The features of the best dating sites to find Slavic brides

Myriads of dating sites can offer their services, and some of them may seem quite cheap. But that doesn’t mean you will be lucky enough to benefit from the best dating site. If you want to find Slavic brides on top sites, you need to know what makes any dating site one of the best. There are some important factors that you should keep in mind.

-user-friendly interface: a straightforward interface always makes any site more appealing as simpler designs are considered to be more practical.

-profile quality: another main point of dating sites offering mail order bride services is the profile quality, which means a lack of fake profiles.

-safety measures: the best dating site will employ the latest technology to ensure complete safety and data protection along with enabling encryption technologies.

-quality of online support: once you have issues or problems online, you need to receive professional assistance, which should be available ASAP via the easiest and most convenient methods.

-practical features: another important factor is the range and quality of features you will use, and they should facilitate dating and make your online experience easier and more convenient in use.

-searching tools: on some sites, there are 2 types of search, one of which is basic and the other one is more advanced. What comes to the second type, only the best platforms will offer more sophisticated search that will help you find the best match according to your preferences.

All of these factors are to be taken into consideration, and thus, looking through the reviews prepared by experts, you may have insights into any dating site. So, the more carefully you choose your site, the better outcomes you might expect. 

Final verdict

It’s hard to build a family with someone you don’t know or can’t trust, and thus, online dating platforms offering mail order bride services suggest a great range of Slavic brides you can choose from. These ladies will change your life once you meet them and know better. So, for this, you need to find a reliable platform and register. Your life full of love and passion isn’t as far as it may seem.

High employee turnover is one of the most significant drains on a company. Although you may expect that there are costs associated with high turnover, additional factors come into play when employees are leaving in droves. These can include problems with your brand’s reputation and employee morale.

In this article, Jason Kulpa highlights the importance of retaining your best team members while exploring the unexpected ways in which high employee turnover can cause problems for your business.

Financial Strain

As you might expect, replacing employees creates a significant financial strain for companies. In general, businesses with an average turnover rate spend around 12% or more of their yearly income on costs related to employee severance and new employee onboarding. Comparatively, companies with an above-average turnover rate have been reported to spend almost 40% of their yearly profits on similar costs.

Of course, the cost of employee replacement depends heavily on the position in the company. While team members in entry-level roles may have replacement costs of 30% and 50% of the position’s salary, mid-level, and high-level team members can cost between 150% and a whopping 400% to replace. Margins like this can seriously damage a company’s profits if employee turnover rates are high.

Brand Damage

Though employee turnover is a natural part of the business process, the way that a company handles this can affect them significantly. Public perception around a company’s turnover rate can affect the strength of the brand, employee morale, and customer retention. 

Suppose your company begins to develop a reputation for high employee turnover. In that case, it’s likely to affect your business’s credibility in the eyes of potential and existing customers, as well as your retained employees.

While this can affect your company’s existing relationships, a damaged brand can also reduce your success in filling the positions vacated by previous employees. If potential new hires get a poor impression of your business, your pool of interviewees may be smaller than usual or may contain lower quality candidates.

Asset Loss 

When employees spend time at a company, they develop more specialized knowledge, skills, and relationships. They also invest in the culture of the company. 

In this way, the employee becomes more of a valuable asset to your business, effectively resulting in the loss of an investment if that employee were to leave. Even a qualified replacement will not be able to fill the exact role his or her predecessor played. Teams know this, too, which is why a vital team member choosing to leave a position can significantly affect morale amongst the remaining employees.

This is why retaining your best assets (your top employees) should be a major priority for your company. You can do this by regularly expressing appreciation, creating a system of incremental wage increases, and sharing the wealth of knowledge and training so that a single employee won’t become overloaded with the specific tasks that they’re responsible for.

About Jason Kulpa

Jason Kulpa is a serial entrepreneur and the Founder and former CEO of UE.co, San Diego’s Fastest Growing Business multi-year award winner, and a Certified Great Place to Work multi-year winner. Mr. Kulpa is a San Diego’s two-time winner of the Most Admired CEO Award of the San Diego Business Journal and also a semi-finalist for the Ernst and Young Entrepreneur award.

Identifying if you do or do not want life insurance is not difficult, most of the challenges will come once you must commit to a specific type. Many people do not even realize that there are multiple types of policies to pick from, each with their own unique set of costs, requirements, and benefits. Understanding at least the most common options can help you make a more informed decision that is specific to your personal expectations and goals for carrying a life insurance policy.

Term Life Insurance

Term life insurance is one of the two most common policy styles available. Simply put, term, refers to a specific number of years that this policy will remain active before it expires. Noted as being the simplest as well as the most accessible life insurance policy, term life insurance is also more affordable. Should you pass away before the term of this policy has elapsed a set amount of money will be paid to your beneficiary.

You should take age into consideration with any policy that you pick, however as baby boomers are reaching retirement age those who have not yet nailed down their life insurance policy also need to consider the possibility of needing long-term healthcare. Long-term care insurance is not the same as life insurance, but it is important to understand how they can work in tandem with each other, as well as independently. Setting your finances up to be able to handle the possibility of the unexpected means that you are relieving yourself of one less burden as you age.

Whole Life Insurance

Whole life insurance is a permanent plan and does not expire. Individuals who hold this type of policy can expect to pay higher premiums however there is the benefit of more flexibility regarding accessing the funds. If you pay the premiums, your whole life insurance will remain active. There is a cash value element to this style that does not exist with term life insurance that can result in the details being more complex in comparison. While this is the second, of the two most common types of life insurance consumer demands have resulted in changes in the industry as a whole. This is why it is essential to have a baseline knowledge of what is available so that you can also recognize the changes as they occur.

How to Pick

Realizing that term, and whole life, are just two of the multiple options available for a life insurance policy can be enough to make your head spin. Add in that you also need to decide which company you give your business to and now your process is even more layered. Fortunately, there are some universal and basic questions to ask yourself as you move forward through this process. Since these companies are in competition with one another for your business, it is not unheard of for them to be accessible to help and guide your decision-making process. At the end of the day, you need to, and should, feel comfort because of your decision.