A Guide for Traveling To Turkey

Traveling to Turkey can be an experience like no other. Located between two continents, one portion of Turkey belongs to Europe where the rest is located in the Middle East. Whichever area you are visiting, though, is gorgeous and full of incredible customs and beautiful landscapes.

There are many languages ​​spoken in modern day Turkey. These include Turkish which is their official language, as well as Greek, Kurdish, Arabic, and Greek. If you are traveling from Western Europe, you are not required to have a Visa unless you live in Great Britain; but if you are coming from other areas, you will then need your Visa or a passport.

The transportation to and around Turkey is contemporary, so there are plenty of options to move about, from buses, to trains, to taxi cabs. Taxis are the main form of public transportation, and drivers welcome tourists who need to go not only to the main cities but also towns that lie on the outskirts. The buses are modernized as well and very comfortable for travel. Some of the buses offer a snack and a drink on a particularly long ride. They will even stop at restaurants every few hours if you are traveling outside the main sections of the nation.

When driving through Turkey you need to be fairly careful, as traffic accident rates are high. The roads tend to be in reliably poor condition. So if your trek will take you off the beaten path, it might be better to take a bus or car service to take you where you need to go. It is worth it though, since there are so many great things to do in Turkey.

Turkey's ski areas are extremely popular. During the winter season, they are the highlight of the country. In the warmer months there is plenty to do as well if you are adventurous and want to take a rafting tour or relax on a yacht for the day. The possibilities are endless.

The culture itself can not be beat. With innumerable great cuisines that consist of lamb, Turkish coffee, and incredible desserts you need to be sure to walk off some of the calories you consume through a day. To do that you can enjoy some of the Turkish history at museums and landmarks in just about every major city.

Try to get to Topkapi Place, Ayasofya Museum, and the ancient City of Troy if you can. Finally you have the diverse wildlife that is so popular in Turkey. The nation has preserved many rare animal species and are very proactive in their ecological research.

The landscape, the culture, and the history of Turkey are so important to the country, that you would be wise to try to take it all in while you have the opportunity.

Life Insurance 101, An Explanation of Various Types of Life Insurance

TERM LIFE INSURANCE – Life insurance for a set number or years. You can choose from 5 to 30 year terms. No cash value, if you die during the term you collect the death benefit. The policy dies after the selected term has ended and you receive nothing unless you have a, return of premium rider or you convert the policy to some form of permanent insurance.

RETURN OF PREMIUM TERM INSURANCE (ROP) – A term insurance policy that returns all or a portion of premiums paid at the end of the term if the death benefit has not been paid.

SIMPLIFIED TERM INSURANCE – Term insurance which uses a simple application. Underwriting is done electronically. No underwriting requirements by the applicant unless red flags arise out of the electronic underwriting process. Policy is usually issued much quicker than regular term. There is a limit of death benefit for this type of policy ($350,000 or less) depending on the insurance carrier. This type of policy is generally more expensive because of additional risk by the insurance carrier. Less underwriting =more risk.

CRITICAL ILLNESS INSURANCE – Applied for as a stand-alone policy or as a rider to another life insurance policy. Pay immediate benefit for a covered illness even if death does not occur.

ACCIDENTAL DEATH INSURANCE – Pays benefit in event of a covered sudden accidental death. Applied for as a stand-alone policy or as a rider to another form of life insurance.

MORTGAGE PROTECTION INSURANCE OR DECREASING TERM INSURANCE – Term insurance that pays the balance of your mortgage should death occur. The amount of death benefit decreases to match the amount owed on mortgage. The insurance is set up to end at the same time your mortgage is set to end.

UNIVERSAL LIFE INSURANCE (non variable) – Flexible premiums. Can be a permanent insurance as long as premiums are paid and policy is funded properly. Investment policy in which risk lies with insurance company.

Has a minimum guaranteed interest rate which differs by company. This policy has the ability to gain contract value. The death benefit can be set to level (death benefit stays the same throughout) or increasing (death benefit increases as contract value rises). You may obtain loans or make withdraws but you must be careful, if the policy is not funded, it will collapse.

VARIABLE UNIVERSAL LIFE INSURANCE – Agent must have securities license to sell. Very similar to non-variable universal life. The difference is that the policy owner assumes investment risk. There is no guaranteed interest rate. Policy can collapse if investment does not do well and policy is not funded properly.

WHOLE LIFE INSURANCE – Simply put, you pay the premium and the policy will last your whole life. You usually have an option to borrow against the policy, amount depends on the value of the policy. This type of policy is usually much more expensive than the universal life policy.

GRADED BENEFITS WHOLE LIFE – Partial or no benefits paid until a named or tiered waiting period has passed. If you die before the waiting period has passed, you usually will receive the return of your premium payments with some sort of interest.

FINAL EXPENSE WHOLE LIFE INSURANCE – This type of whole life insurance is aimed at burial and funeral expenses and other final expenses. Usually, no medical exam required and death benefit is limited to $50,000 or less.

SINGLE PREMIUM WHOLE LIFE – This whole life policy is paid for by a single lump sum payment. In return the beneficiary receives a larger death benefit than the payment.

THINGS TO CONSIDER: You may be interested in mixing and matching different types of policies. For example; There is a need for 500k immediately. As time goes on, the kids have graduated college and are out of the house, the house is almost or totally paid off. Now the need is less. In this example you may want to purchase a 330k universal life and a 20 year 200k term. This plan will save you money and still protect your family for life.

Or, you may want to mix term, critical illness, accident, universal life, or whole life in various ways depending on your needs.

RIDERS:

Waiver of Premium Rider – pays life insurance premium if you become disabled and can’t work. There is usually a waiting period and rider usually expires at age 60 or 65.

Critical Illness Rider – Rider is explained above.

Return of Premium Rider – Rider is explained above.

Guaranteed Insurability Rider – this rider allows you to purchase an additional amount of life insurance at a later date without having to prove insurability again or take another medical exam.

Term Conversion Rider – allows you to convert a term insurance policy into a permanent policy without proving insurability again.

Accelerated Benefit Rider – this rider is only for permanent life insurance policies. This rider is usually included automatically for free. It allows you to collect a portion of your policy’s death benefit if you become terminally ill with a short life expectancy, usually one year. The portion paid out is subtracted from you policy’s death benefit.

Accidental Death Benefit Rider – This rider pays in addition to the death benefit if you die from an accident.

Child protection Rider – Usually used to pay final expenses if the unthinkable happens. Often, at a nominal cost and purchased in units of $1,000.

UNDERWRITING: requirements depend on insurance carrier, type of policy, amount of death benefit, age, build chart, gender, medical history, medications, family history, motor vehicle report, and other factors.

An application is always required, although, non-medical policies usually have a simple application.

Requirements could be: Paramed (certified medical processor or nurse comes to your place of choosing, takes you through a medical questionnaire, measures your height and weight, takes blood and urine sample, possibly EKG either resting or non-resting), Medical information from your physician or hospital, Medical exam, etc.

HEALTH CLASSES – Typical health classes would be, Preferred Best, Preferred, Select Standard, Standard, and then different nicotine classes such as, preferred nicotine, select nicotine, and standard nicotine.

It is possible to be rated less than standard depending on health and underwriting factors.

You must qualify for a health class. This is chosen by the underwriter after the underwriting process is complete. The agent can only quote you the different health classes but this can change with the underwriting process.

Conspiring Against an Employee

Some of us are happy with the job we have and are content with or even love what we do. Some of us are not happy with our job and it frustrates us the more we perform at work. Whether you like your job or not you primarily work for a paycheck. When conditions at work are so stressful that you find it difficult to work for your paycheck you might want to consider your work environment situation.

In some cases, employees are victims of conspiracies in the workplace. It may sound like something out of a workplace drama series, but it is a common deterrent of progress and ultimately a very unprofessional practice in the workplace.

We can pretend that drama doe not exist at work, but the truth is work is run by people. It is part of the human condition to play favorites and disrespect others. When this sort of unprofessionalism arises in an employer or employee, there is a great chance that he or she will attempt to gather additional employees on his or her side to rally against another employee in secret. This is a conspiracy.

Harassment

A conspiracy against an employee is almost always used to harass. Harassment is any conduct that will lead to the victim to feel unsafe, threatened, persecuted, or distressed. When an employer brings employees together to play a harmful role against an employee, he or she has a personal feud against that individual. This may be due to race, religion, gender, appearance, or anything that he or she does not like about that individual.

Harassment is used as a tool to single someone out and make them feel unwanted or embarrassed in the workplace. An employee may feel that he or she is underperforming at work and that his or her opinions are not of value.

Coercion

Most people who would like to see someone leave the workplace that know there are not sufficient grounds to fire him or her, will coerce the employee into resigning by use of conspiring. If someone starts to feel an incredible amount of stress at work and unwanted, he or she will more than likely resign. This is one of the main goals employers and employees try to achieve when conspiring against an employee.

For additional resources on conspiring in the workplace and legal avenues available for victims, contact the Houston employment lawyers of the Ross Law Group.

The Best Ways for College Students to Earn Money Online

Going through college can be stressful, especially if money is tight. Between classes, homework, and studying, commuting to a job just seems like a ridiculously impossible prospect. Millions of people are now making money online, and the internet offers plenty of ways for college students to earn money online as well. Blogging, affiliate marketing, and freelancing are some of the best ways to earn an online income, and the best thing about them is that they do not cost a dime to get started.

Affiliate marketing is probably the easiest method for a college student, because it requires less face time at the computer than other methods, although blogging is closely intertwined with affiliate marketing promotion. With all the information available on the subject, you do not need to be an affiliate marketing expert to get started, although it may still take a little bit of time to earn a decent income from it.

To become an affiliate, you need to sign up on the website and then promote a product that they are selling. Usually this requires writing a blog post or an article for submission at an article directory that talks about the product and gets the interest of viewers piqued. You include a link back to the seller's website, and any purchases that originate from your links will result in you being paid. Affiliates can earn anywhere from 10% to 90% commission on sales generated through their affiliate links. There is some amount of work involved, because you must first research your product to be able to write a qualifying article or blog post about the subject.

Pre-selling is a very effective technique used in marketing and advertising. What you are doing is not selling a product. You are either getting people interested who have never heard of the product or stoking the flame in people who already have some level of interest. In a sense, you are simply educating the customer about the product. That's why it is important not to sound as if you are actually selling the product. Although your writing should be in favor of it, you should not be pushing it on your viewers.

Managing a blog is a simple way to get started in affiliate marketing because first of all it's the perfect outlet for your advertising advertising promotion, and also because if you set up a pay per click system like Google AdSense you will also draw relevant ads that people will want to click on. Every time an ad on your blog gets clicked, you get money. It's really as simple as that. Combining techniques is really the only sure way for anyone to make money online, and with a little trial and error you'll be able to get a good respect on what methods work and what methods are just hype.