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Added on the 08/08/2022 18:58:39 - Copyright : Euronews EN
Fans of the hit television series Game of Thrones were bowled over by a rock formation in the Russian Republic of Yakutia which bears a striking resemblance to the defensive ice wall that keeps the Seven Kingdoms safe from the shuffling White Walkers. The Lena Pillars, which are up to 980 feet tall, draw throngs of visitors and fans of the series. A local broadcasting company even sent a letter to HBO proposing that the final season of the series be shot in Yakutia.
Intempéries : Nîmes sous le déluge
Surf champ Kelly Slater, Rachel Lee Cook and Sam Tramell were out for charity for the “Life Rolls on Foundation. Michael J. Fox, Rachel Ray and a bunch of celebrity friends came out to help raise money at a benefit in New York for “A Funny Thing Happened on the way to cure Parkinson’s”
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.
Business Insider contributor Jackie Lam says she took an unconventional approach to building her emergency fund. Wasting no time, the minute she got her first, tiny, rented apartment, she began saving towards her goal of $5,000. And she got there fast, by 'glamping' in her apartment. For the first few months of residency, she ate and slept on the floor. Later, her mattress and box spring came from IKEA. It took her three years to finally buy a used loveseat off Craigslist. The rest of her furniture was lovingly hand-picked from the curb. Lam kept her grocery bill down to $25 a week by planning menus based on sales. By using Christmas LED lights and candles, spent $15 a month on electricity. She kept her car in great shape by biking, walking, and taking the bus everywhere she could. And guess what? She hit her target in just a year!
Going through the mortgage approval process can be tedious, time-consuming, and stressful. But working hard to get a lower interest rate is totally worth it. According to Business Insider, prospective homebuyers should give themselves at least a few months to get prepared for the rigamarole. First, get your credit score up as high as you can. Second, get your debt-to-income ratio as low as you can. Always pay on time, and pay off any credit card balances before applying for a new mortgage. Take at least a six-month moratorium from applying for new accounts as well. Finally, shop around for the best rate that's suitable for your particular situation. Good luck!
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