Here are 7 Ways to Know How Much Life Insurance You Need. Don't Die Without It.

Having life insurance should not be taken lightly. It's best to buy it while you are in decent health. However, even if you health deteriorates, chances are you can still get coverage.

Here are the 7 Ways to Know How Much Life Insurance You Should Have:

1. What would happen if there is no income coming into the household because of the death of a breadwinner?
2. How will your children fund their college education?
3. How will your spouse live in retirement?
4. What happens to the assets you've accumulated if there is no insurance to cover everyday expenses?
5. How will medical bills be paid?
6. How will funeral fees be paid?
7. and, how will estate settlement cost be paid?

These questions demand accurate answers. Stop putting off what needs to be done. Call (773) 714-3201 for a free consultation or e-mail me at bwillbar@gmail.com.

3 Ways to Write a Great Rather than Just a Good Business Letter

In an earlier post, How to Write a Good Business Letter, I emphasized the importance of writing in a conversational style. Here in addition to emphasizing that the business letter be as specific as possible -- typed and both free of spelling errors and incorrect grammar, I will expand on the three essential points.

     

1.      A good business letter should be kept to one page. You can take it for granted that the person you writing haven’t the time nor the interest in wading through a long letter. Therefore, pare your letter down to the essentials by eliminating every sentence that will not help the letter’s recipient to help you.
2.      The average length of a sentence should be 15 to 20 words and a paragraph about six to ten lines. Definitely do not let your paragraph be more than 10 lines. Frequent paragraphing breaks up the solid looks of the letter and gives the reader courage to go on. Moreover, keep you words short. Don’t try to impress the reader with long or unusual words or phrases. You may not be using them correctly in the first place. In the second place, the reader will tend to be put off by them.    
3.      The letter should be simple, warm and as brief as possible. Clearly state the subject in the first paragraph in a matter-of-fact way and then find a way of emphasizing the positive. Tell why you are writing, give the important facts, and describe what you want the recipient to do. Telling the recipient why you are writing immediately lets him know what’s on your mind. It gives him a framework in which to read your letter and a signpost telling him where he’s to focus his attention.

Giving the important facts to support your first sentence will show that you are businesslike and thoughtful. Limit the facts to the one, two, or three that are most important. I suggest put each of your reasons or arguments in a separate paragraph, preceded by a number.

Finally, describing what you want the reader to do gives him something to act upon. You will confuse the reader if you don’t tell him specifically what actions you want him to take.

To repeat these guidelines, ask yourself these questions:

Why am I writing?

What facts support the reasons why I am writing?

What do I want the reader to do?

Write all your letters in everyday conversational language much as you would speak. Make your letters interesting and a reflection of your personality. This shows you off as a clear thinker instead of a blowhard.

Apply the conversational test to your all your business letters.  Ask yourself, “ If I was speaking to this person instead of writing to him what would I say and how would I say it.” 

Check each completed letter to see if its wording really does match what you would say in person. Follow these guidelines, and you will increase the power and effectiveness of your letters.

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12 Ways to Eat More Vegetables and Fruits

Deciding what to eat is one of the best ways to control your destiny. 

It shouldn't be necessary to talk about the importance of eating more vegetables and fruits, but as I shop for food and casually look in the shopping carts of others in the supermarkets, I have concluded that it is necessary.  

To get your health in better shape, change your diet by following these 12 steps:

 1.      Include a small salad with one of your main meals each day.

2.      Add banana, strawberries, or another favorite fruit to your cereal or yogurt at breakfast.

3.      When eating a full meal, work on your vegetable portions right away, rather than reserving them for the end after you finish the other items.

4.      Use fresh fruit and fruit sauces as toppings on desserts and pancakes.

5.      Liven up your sandwiches with vegetables such as tomato, lettuce, onion, peppers, and cucumbers.


6.      When you have a craving for chips, have a small handful with lots of fresh salsa.

7.      For dessert, have baked apples, grilled pineapples, or a small bowl of berries or grapes.

8.      Make a fruit smoothie by blending fruit with low-fat yogurt or skim milk.

9.      Dip partially cooked vegetables (carrots, green beans, broccoli, cauliflower) in cottage cheese, hummus,  low-fat ranch dressing, or yogurt dip.
  
10.  Cut fruit in slices or halves and dip the pieces in low-fat cottage cheese or yogurt.
 
11.  Incorporate fruits and vegetables and your diet with other foods or recipes.  Add vegetables to a your favorite soup, green peppers and onions to your pizza, include  fresh fruits with your morning cereal, and stir fruit in with yogurt or cottage cheese.
 
12.  If you don’t care for raw vegetables, lightly cook them and see if you prefer them with a softer texture. Sprinkle them with herbs for flavoring.

Go to 15 Ways to Eat Well, Keep your Energy Level Up, and Your Weight Down for more useful information.  

What do you have to share about eating healthy? Leave your comments below.