Choose the right of insurance

How can we choose the right type of insurance

Choose the right type of insurance is very important thing you need to know. You can get that thing in my post and so many factoflife I will give to you. Is that some funny jokes here? You should consider term life insurance if: You need life insurance for a specific period of time. Term life insurance enables you to match the length of the term policy to the length of the need. For example, if you have young children and want to ensure that there will be funds to pay for their college education, you might buy 20-year term life insurance. Or if you want the insurance to repay a debt that will be paid off in a specified time period, buy a term policy for that period. You need a large amount of life insurance, but have a limited budget. In general, this type of insurance pays only if you die during the term of the policy, so the rate per thousand of death benefit is lower than for permanent forms of life insurance. If you are still alive at the end of the term, coverage stops unless the policy is renewed or a new one bought. Unlike permanent insurance, you will not typically build equity in the form of cash savings. If you think your financial needs may change, you may also want to look into “convertible” term policies. These allow you to convert to permanent insurance without a medical examination in exchange for higher premiums. Keep in mind that premiums are lowest when you are young and increase upon renewal as you age. Some term insurance policies can be renewed when the policy ends, but the premium will generally increase. Some policies require a medical examination at renewal to qualify for the lowest rates. You should consider permanent life insurance if: You need life insurance for as long as you live. A permanent policy pays a death benefit whether you die tomorrow or live to be over 100. You want to accumulate a savings element that will grow on a tax-deferred basis and could be a source of borrowed funds for a variety of purposes. The savings element can be used to pay premiums to keep the life insurance in force if you can’t pay them otherwise, or it can be used for any other purpose you choose. You can borrow these funds even if your credit is shaky. The death benefit is collateral for the loan, and if you die before it’s repaid, the insurance company collects what is due the company before determining what’s goes to your beneficiary. Keep in mind that premiums for permanent policies are generally higher than for term insurance. However, the premium in a permanent policy remains the same no matter how old you are, while term can go up substantially every time you renew it. There are a number of different types of permanent insurance policies, such as whole (ordinary) life, universal life, variable life, and variable/universal life. For more details, see our articles on the specific types of policies. Check out more topic festivals, history, religions,…


A wide range of facts about nightmare

Let’s dive in our wide range of facts on nightmare that you had no idea about:

1. Nightmares are a mix of memories and other random information played out in a super disturbing way.

Ever had a terrifying dream that you were kidnapped by random coworkers? Stuck on top of the Leaning Tower of Pisa? The images in nightmares are a mix of memories, recent information you were exposed to, and visual representations of your emotions, Michael Breus, Ph.D., clinical psychologist and fellow of the American Academy of Sleep Medicine, tells BuzzFeed Life. And the plot is usually influenced by your fears and stressors, like being chased or tormented. Nightmares tend to be longer than dreams, with frighteningly realistic and memorable details.

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2. They don’t have to be “scary,” they just have to make you scared.

What might be a nightmare for you could be a normal dream for someone else. As long as it creates a strong negative emotional response, it’s a nightmare, says Breus. For example, just dreaming about your horrible ex could be a nightmare for you if it stirs up sadness and anger — even if they’re just sitting on your couch, harmless.

3. It’s true that you can only dream about people you’ve met or seen before… kind of.

When you sleep, your memories are being processed from the short term to long term, says Breus, and these make up most of the images in your nightmares. You can also dream of stuff you’ve seen in movies or books. There can technically be new “characters” in a nightmare, but they’re really an amalgamation of faces you’ve already seen, says Breus.

4. The emotional response to nightmares can actually wake you up.

You know when you wake up frantically at 4 a.m. suddenly realizing you’re not in a zombie apocalypse? Here’s why: Research has shown that a lot of dreaming occurs in the visual cortex, Breus says, which is linked to the amygdala, an emotional response center. During a nightmare, both these get fired up and trigger autonomic arousal of the body. “Your heart starts beating faster, breathing becomes labored, and you can start sweating profusely from a nightmare,” he says. Cue waking up in a panic.

5. Nightmares can’t actually kill you.

“There’s no evidence that a nightmare can physically harm or kill you,” says Breus. However, there is data to show that in people with a weak heart or existing heart condition, increased heart rate during sleep could lead to angina (chest pain due to restricted blood flow to the heart) or possibly heart attacks. As we mentioned before, it’s possible that nightmares could cause increased heart rate, but so could a lot of things, says Breus. So that wouldn’t really be a nightmare doing harm so much as an underlying heart problem.

6. Sometimes, nightmares can be good.

“Some patients I see would be upset if their nightmares stopped,” Pagel says. If they don’t cause significant distress, nightmares can be exciting, and even a major source of inspiration. “People who experience vivid and frequent nightmares tend to be more creative individuals with ‘loose borders,’ meaning they are more imaginative,” Pagel says. In addition to helping process emotions, nightmares can also give pretty useful alternative perspectives on certain issues or people.

7. Some people are at a higher risk for nightmares than others.

Depression, anxiety, and other psychiatric disorders are major risk factors for nightmares, says Breus. Sleep disorders such as insomnia or sleep apnea, are also associated with frequent nightmares. And since many sleep disorders are genetic, it’s possible that chronic and severe nightmares could run in your family.

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Amazing facts about Kristen Stewart you might not know

Kristen Stewart is one of the most famous actress in the world with roles in blockbuster movies. Do you know interesting things about her? Get these amazing facts about Kristen Stewart you might not know below. She wants to be a part of the Marvel Universe. When discussing roles she has played recently, Kristen said she enjoys making films that don’t focus on her as an actress. “I’m sure I could get on board with Captain America, you know what I mean?… It would just have to be the right thing.” However, since she has already punched Chris Hemsworth in the face she might be more suited to the upcoming Thor film.


She doesn’t like getting naked in front of the camera In an interview about Clouds Of Sils Maria, she said that she felt self conscious when taking her clothes off in front of Juliette Binoche. Thankfully Kristen’s a true professional and will get naked when required. Have you seen On The Road?! She had constant anxiety between the ages of 15 and 20 This makes me really sad but unfortunately it is quite common and not even the rich and famous like Kristen can avoid it. She recently told Marie Claire: “If I didn’t know how something was going to turn out, I would make myself ill, or just be locked.” Thankfully, Kristen says she’s learnt to control her anxiety and let things go, so there’s hope for us all. She has no time for heels She often removes her heels on red carpets and at the American Ultra premiere she took them off after an hour in favour of some Vans. That’s my kind of girl. She’s always the first to make fun of herself There is a long running joke that says no one hates Twilight more than the cast of Twilight. But I feel this has been misinterpreted and she just makes the jokes herself before others can. I believe the fact I loved Twilight makes me closer to K-Stew in some way. We have a connection. She was in one of my favourite childhood films Zathura If you haven’t seen it, watch it. It’s great. Her music taste is impeccable There are so many photos of Kristen sporting some pretty good band t-shirts including The Clash and Joy Division. And just when you thought she couldn’t get much cooler, she went and starred as Joan Jett in The Runaways. Rock ‘n roll. She was homeschooled from the age of 14 Superstars don’t have time to sit in a classroom all day She was eight-years-old when she was discovered by a talent agent who saw her singing in a school play. Kristen Stewart had to wear brown contact lenses for ‘Twilight’ as she has naturally green eyes. She wore the brown-coloured contacts in the first four instalments of Twilight. In the fifth and final film, Kristen wore red and amber-coloured contacts as a vampire. Kristen Stewart has three dogs: Bear, Bernie and Cole. She also has a cat named Jella, which coincidentally rhymes with her ‘Twilight’ character name Bella.

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Albert Einstein talk about Buddhism

Albert Einstein was a genius scientist, he not only made a sudden breach through about Astrophysics, but also very interesting perspectives on religion. Be a scientist and the West man, but he had a discerning look on Buddhism and the path of liberation of mankind. Let’s see some Meaningful quotes from Albert Einstein talk about Buddism.


1) “Buddhism has the characteristics of what would be expected in a cosmic religion for the future: It transcends a personal God, avoids dogmas and theology; it covers both the natural and spiritual; and it is based on a religious sense aspiring from the experience of all things, natural and spiritual, as a meaningful unity.

2) “If there is any religion that would cope with modern scientific needs it would be Buddhism.

3) “A human being is part of the whole, called by us ‘Universe’; a part limited in time and space. He experiences himself, his thoughts and feelings as something separated from the rest – a kind of optical delusion of his consciousness. This delusion is a kind of prison for us, restricting us to our personal desires and affection for a few persons nearest us.

4) Our task must be to free ourselves from this prison by widening our circle of compassion to embrace all living creatures and the whole nature in its beauty. Nobody is able to achieve this completely but striving for such achievement is, in itself, a part of the liberation and a foundation for inner security.”

5) The religion of the future will be a cosmic religion. It should transcend personal God and avoid dogma and theology. Covering both the natural and the spiritual, it should be based on a religious sense arising from the experience of all things natural and spiritual as a meaningful unity. Buddhism answers this description. If there is any religion that could cope with modern scientific needs it would be Buddhism. (Albert Einstein)

6) ” Among the founders of all religions in this world, I respect only one man — the Buddha. The main reason was that the Buddha did not make statements regarding the origin of the world. The Buddha was the only teacher who realised the true nature of the world.” (Bertrand Russell)

7) “A human being is part of the whole, called by us ‘Universe’; a part limited in time and space. He experiences himself, his thoughts and feelings as something separated from the rest – a kind of optical delusion of his consciousness. This delusion is a kind of prison for us, restricting us to our personal desires and affection for a few persons nearest us. Our task must be to free ourselves from this prison by widening our circle of compassion to embrace all living creatures and the whole nature in its beauty. Nobody is able to achieve this completely but striving for such achievement is, in itself, a part of the liberation and a foundation for inner security.”


Amitabha Buddha and 2 Bodhisattvas

8) “The belief in an external world independent of the perceiving subject is the basis of all natural science. Since, however, sense perception only gives information of this external world or of “physical reality” indirectly, we can only grasp the latter by speculative means. It follows from this that our notions of physical reality can never be final. We must always be ready to change these notions—that is to say, the axiomatic basis of physics—in order to do justice to perceived facts in the most perfect way logically.”

>>> See more: Albert Einstein Quotes about Religion and God


Wonder of why we yawn? Get these human facts now!

Yawn is a very normal reflex act of the body. And all of us yawns, no one in this world don’t yawn, from the infant and even unborn babies to the elderly persons. Of course, animals do it, too. We always think that we yawn when we’re sleepy, but is that true? And why, exactly, do people and animals yawn? Now. let’s follow this article to find the reasons why human and animals yawn and how it happen!!!

Why do we yawn?

No one knows for sure. But there are many theories (ideas) about why people yawn.

One is that when we are bored or tired, we just don’t breathe as deeply as we usually do. As this theory goes, our bodies take in less oxygen because our breathing has slowed. Therefore, yawning helps us bring more oxygen into the blood and move more carbon dioxide out of the blood.

Yawning, yawn facts

Yawning, then, would be an involuntary reflex (something we can’t really control) to help us control our oxygen and carbon dioxide levels. Sounds good, but other studies have shown that breathing more oxygen does not decrease yawning. Likewise, breathing more carbon dioxide does not increase yawning. Hmmm. Now what?

Another theory is that yawning stretches the lungs and lung tissue. Stretching and yawning may be a way to flex muscles and joints, increase heart rate, and feel more awake.

Other people believe that yawning is a protective reflex to redistribute the oil-like substance called surfactant (say: sur-FAK-tint) that helps keep lungs lubricated inside and keeps them from collapsing. So, if we didn’t yawn, according to this theory, taking a deep breath would become harder and harder, and that would not be good!

When a person yawns, the stretching of powerful jaw muscles increases blood flow in the head, neck and face and also sends cerebrospinal fluid downward, away from the brain.

Likewise, during a yawn the walls of the sinuses flex, and when combined with the wide opening of your gaping maw, together they draw large quantities of air in through the nasal cavities, mouth and sinus passages.

But there is one idea about yawning that everyone knows to be true. It seems contagious. If you yawn in class, you’ll probably notice a few other people will start yawning, too. Even thinking about yawning can get you yawning.


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