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Added on the 26/07/2019 17:15:45 - Copyright : Wochit
Caracas, Apr 20 (EFE), (CAMERA: Jackdwin Saez) .- Relatives of patients with covid-19 go to the Pariata distribution center in Caracas to recharge oxygen cylinders amid the rebound in cases of the disease.
It's very simple: if you smoke tobacco or cannabis, vape, or chew tobacco, you will pay more for life insurance. The US Surgeon General says 16 million Americans have a smoking-related disease. Smoking-attributable healthcare spending costs over $170 billion per year. According to Business Insider, life insurance premiums are based on your health risk for insurance providers. The effect of nicotine on health is well documented, so smokers are seen as a higher risk for life insurance companies. For example, a twenty-year, $500,000 term policy for a 35-year-old male would cost $27.50 a month if he is a non-smoker, but $102.08 a month if he smokes! If you plan to quit smoking or are in the process of quitting, annual renewable term life insurance is better than a traditional term life insurance policy. Another option for smokers is no medical exam life insurance.
Financial planners do know quite a bit about money, generally speaking. But even they get surprised sometimes by unexpected costs. And according to Business Insider, financial planners say first-time parenthood is a minefield for such unexpected financial demands. To begin with, just giving birth is an expensive practice. For a woman with insurance, the average birth costs $10,808 without any complications. Once baby arrives, your food bill will go up. A lot. Formula is expensive, especially if baby has special dietary needs. Kiddie meals at restaurants aren't that cheap, either. And teen boys are walking refrigerator-inhalers! And public school isn't really free. School supplies, books, uniforms, sports equipment--the list is endless. Keeping kids engaged and learning after school isn't free, either. Lessons, scouting, clubs, summer camps, family vacations all cost a very pretty penny! Finally, medical care and daycare costs for children can drive parents to distraction. You've been warned!
President Donald Trump's campaign is still seeking donations from voters, even though Trump himself has all but admitted he lost to Joe Biden. But donors should know that 75% of every contribution is now being routed to Trump's newly-established leadership PAC, Save America, up to $5000. Anything over $5000 goes to Trump's Recount Account. Also, 25% of all donations go to the Republican National Committee. These funds could be used to finance Trump's life--or his legal bills--or his family's legal bills-- after he leaves office. It could even go toward a possible 2024 presidential bid. And according to Business Insider, all of these would be legal. Despite the Trump administration's decision to begin the transfer of power, Trump's personal plans for life after January 20, 2021, remain unclear.
Having grudgingly green-lit the peaceful transfer of power, President Donald Trump is now perfectly poised to proceed with a parade of pardons. Trump has already commuted the sentence of his informal adviser Roger Stone. But what about Trump's former campaign chairman, Paul Manafort, who is still in home confinement serving out his prison sentence? Even more to the point, what about Trump himself? Trump has repeatedly asked aides about pardons for himself and his family members--and whether he could issue them preemptively. CNN reports the question of self-pardoning may be moot. If Trump faces any criminal charges, they'll be at the state level, not federal. US Presidents are not immune from any state charges.
Business Insider contributor Olivia Christensen married young and had her first baby soon after. Since then, she always felt it was hard to save money. But recently, she turned to her grandmother for advice on saving significant amounts of money that could be invested for the future. Her grandmother's advice was simple, but not easy to put into practice: Budget. Establish financial goals. Never stop economizing. First, get real about your budget. Write down everything you expect to spend on, from eyeshadow to printer ink. Then, plan accordingly. Second, have real financial goals. 'Pay off credit cards' isn't a goal. "Resurface the driveway" is. Finally, keep up with prices and never, ever stop clipping coupons!
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