Category Archive Blog

Life Insurance: Getting Coverage While Young

We all know that life insurance is important, but with so many options available, it’s hard to decide which plan is right for you. With this helpful life insurance quiz, you’ll learn what you need to know about life insurance policies so you can figure out which policy best fits you and your needs.

When you start the quiz, you’ll learn what leads to higher monthly life insurance premiums; who the policy benefits if you pass away; the best time for you to buy life insurance; why some life insurance policies require a medical exam; the biggest downside to getting life insurance through your employer; the best way to check the stability of an insurance carrier; and who guaranteed-issue life insurance policies are designed for.

Additionally, you’ll learn the difference between term life insurance and whole life insurance, which one has a lower monthly cost, the biggest benefit of whole life insurance, and what happens when a term life insurance policy expires but you’re still living.

During the quiz, you have 60 seconds to answer questions about life insurance policies. Along the way, you’ll see how many Americans knew the answer to each question, and you can cheer people on who answered the questions correctly. When you’re done, you can share your score on Facebook and find more articles for further reading about life insurance policies.

Take this useful quiz today so you can learn what you need to know about life insurance policies, and have the peace of mind knowing you have the right policy for you.


Health IQ: Insurance for the Health-Minded>Best Life Insurance Policies>Quiz>Life Insurance for Millenials

Get Artsy in Virginia Beach

Visitors flock to Virginia Beach to enjoy the warm weather and beautiful beaches. When you need a break from the sand and sun though, you can experience the art, culture, and history of Virginia Beach too. After all, you can’t miss the King Neptune statue that welcomes you to the beach. The area also hosts a choice of theaters, museums, and art galleries. Here are a few places to get artsy in Virginia Beach.

Virginia Beach Art Galleries

Art buffs won’t find any shortage of fine art galleries in Virginia Beach. You can stop at 12 art galleries along Virginia Beach Boulevard from the oceanfront to Independence Boulevard. Galleries like the Jones Gallery feature works by celebrated local artists. The Jones Gallery is home to three generations of painters. The family still actively paints and runs the gallery, which also serves as a studio.

Visitors who prefer sculpture will enjoy the Richard Stravitz Sculpture & Fine Art Gallery. Stravitz’s bronze sculptures often focus on lifelike bodies in motion. Stravitz explores dance, sports, and animals in his work. For something different, add the Tomstone Animation Gallery and Studios to your art tour.  This gallery offers an up-close view of animation cels, drawings, and paintings by animation artist Tom Ray.

Virginia Museum of Contemporary Art

If you prefer art showcased in a museum setting, spend a day at the Virginia Museum of Contemporary Art. The museum explores art created by living artists. Exhibitions include a mix of paintings, sculpture, and drawings. The museum also offers education classes for kids, teens, and adults. You’ll find the museum just a mile from the beach off 22nd street. There are plenty of hotels near the Virginia Museum of Contemporary Art.

Plus, if you plan your trip in mid-June, you can experience the museum’s annual Boardwalk Art Show. Each year, the museum invites 245 juried artists to this outdoor art show along the beach.

Atlantic Wildfowl Heritage Museum

Catering to a niche audience, the Atlantic Wildfowls Heritage Museum features the history of wildfowl and how it affects the local area. Nature buffs and sportsmen will appreciate the artwork and exhibits here. Works on display include carvings of ducks by local volunteer duck carvers. At the gift shop, visitors can buy duck decoys, artwork, hand-carved walking sticks, and books.

Sandler Center for Performing Arts

To enjoy a night of performance art, check the schedule for the Sandler Center for Performing Arts when you plan your trip. The calendar features a mix of classical ballet, touring Broadway shows, and kid-friendly events. Past events include Mama Mia, Tango Fire, and Swan Lake performed by the Russian Ballet. Known for its architecture and acoustics, the theater seats up to 1,000 guests.

When you travel to Virginia Beach, schedule some time to enjoy the art and cultural activities available throughout the area. Plan a day at a theater or museum when you’re ready to take a break from the beach. Be sure to stop in the fine art galleries that dot Virginia Beach Boulevard. Art lovers won’t be disappointed.

Chinese Women Don’t Get Fat: Food, Digestion and Oriental Medicine

The topic of food and health has probably become one of the most complex and contradictory areas concerning health. There are so many different theories, viewpoints, diet plans as well as various corporate and industrial forces which have turned what should be a simple thing into an overly complicated topic.

For example, if you see a Western scientific ‘dietician’, a healthy diet is based on consuming adequate amounts of the recommended daily allowance (RDA) of carbohydrates, proteins, fibre, vitamins and minerals. It does not necessarily matter whether the carbohydrates and vitamins comes from fortified sugary cereal or from sweet potatoes. With a certain degree of opposition, there are the various schools of ‘Nutritionist’, which are generally more imaginative with diets and may promote a more natural nutritional diet based on the consumption of vegetables, pulses, wholegrains and lean meats along with various supplements. Then there are the more specialist nutritionists or naturopaths that may promote certain ways of eating emphasising certain food groups such as high fibre diets, low carbohydrate diets, Candida diets, fasting, food combining or raw food diets. And of course there are the weight loss diets. Diets designed to make us lose weight. It goes without saying that such diets are not popular in developing countries.

There are so many diets. Just to name a few – there is the Palaeolithic diet, the Food combining diet, the Weight Watchers diet, the F plan, the Exclusion diet, the Zone diet, the Atkins diet, the Okinawa diet, the Eskimo diet, the Dukan diet, the Apple a day diet, the Banana diet, the Grapefruit diet, the South Beach diet, the Cabbage soup diet, Juice fasting, the Specific carbohydrate diet, the Gluten free diet, the Warrior diet, the Alkaline diet, the Blood type diet, the Dr Hay diet, the Macrobiotic diet, the Candida diet, the High protein diet, the Low protein diet, the High carbohydrate diet, the Low carbohydrate diet, the French women don’t get fat diet, the Low glycemic index diet, Raw foodism, the Sugar busters diet, there’s even a Junk food diet. The list is endless. I found over 400 different diets – most of them related to losing weight but some of them were about improving a health condition or simply to improve general health.

Maybe, just as the final curtain is drawn on the last of human civilisation, there will be as many diets in existence as there are stars in the sky.

And so just to confuse things even more, I will talk about the Oriental medicine diet.

In the Traditional Chinese Medicine (TCM) system of Oriental medicine, food is classified with different energetic qualities. They can be heating – they put heat in the body. Or cooling – in that they cool the body. They may also be damp forming – causing phlegm, mucous or weight gain. Some foods increase the yang energy of the body and others nourish the yin. Some foods may be considered neutral. Basically all food has energetic qualities, which affect the body in different ways.

Foods that are considered heating are spices, red meat and lamb. Cooling foods are typically raw foods like cucumber, egg plant and raw fish. Damp forming foods are dairy, oil and sugar.

Some foods tonify or weaken certain organs, For example, the sweet taste affects the spleen and stomach, which governs the digestive system. Naturally sweet foods like grains – both white and brown tonify the spleen and stomach. However, excessively sweet foods like refined sugar, candies and cakes can weaken it.

The yin and yang of foods has many aspects and is not altogether that simple. One way of looking at yin foods is that they increase the yin aspects of the body like the blood and flesh. Therefore proteins like meat and fish may be considered yin. Foods that increase energy quickly may be considered yang such as alcohol or refined sugar. However, as discussed in the article on yin and yang, everything is relative. So for example, although meat may be considered yin, red meats are considered more yang compared to white meats and fish may be considered more yin than white meats, which relatively speaking are yang. Make sense?

Foods are grouped by colour according to the theory of Five elements. For example, the colour white is said to resonate with the metal element and in particular the lung and large intestine – so white colour foods may be beneficial to the lungs – like cauliflower or white rice. Green tonifys the wood element – the liver, so green leafy vegetables may be beneficial to the liver.

The Golden Rules of Trend Trading

Many investors at one time or another have heard of trend trading but most don’t really know what it means or how to start. In the mighty words of Wikipedia, “Trend following is an investment strategy that takes advantage of long-term moves that seem to play out in various markets” but isn’t that what most long-term investors strive to do?

What Exactly Makes an Investment Strategy a Trend Trading Strategy?

By definition, when you are a trend trader, you follow a trading system and you stick with it for the duration that your system requires. It’s pretty simple, really: You create or find a system that you trust to be successful over a length of time. You get to the point of trusting that system because you, or whomever has created the system, test and back-test the numbers until you reach the point that you can be certain that your system will make money. The most important thing is to stick with that system, no matter what. Easy to summarize, but a bit tricky to execute.

Don’t get me wrong, trend trading isn’t rocket science. It is a tried-and-true investment strategy that has made billions of dollars over decades. It uses various indicators to determine market trends and benefit from both sides of that market, enjoying the profits from both ups and downs of the markets. This up and down movement, the volatility, is what makes successful trades, rather than how well the market is doing on a given day.

We all have an idea in mind when we hear the word “trend,” but for investing, it’s about much more than what is “hot” at a given time like Fall Fashions or current video games. It’s more about sticking with your system and it’s trends, as it is about spotting a trend.

It’s about finding a system you trust, sticking with that system no matter what until you ride out the trend, and you can make profits similar to world class hedge funds. For example, Warren Buffett is a very famous trend trader and it’s not unusual for large funds to make over 1000% profits. Really.

Decades of Proven Profits

Trend following has been strongly documented since the 1950’s when Richard Donchian published a trend following newsletter that became very popular and it got popular again when the book Market Wizards: Interviews with Top Traders (written by Jack D. Schwager) came out.

One of the most famous stories ever that circulates among traders is documented in this book and it’s about “The Turtles.” Many known trend traders today are associated with the Turtles or try to emulate them.

The story of the Turtles is actually very similar to “My Fair Lady” whereby a professor bets a wealthy gentleman that he can take a lower-class woman, pop some nice clothes on her and teach her to speak correctly and use proper diction, and she will pass as an upperclass woman. The wealthy man is aghast at this and declares it can’t be done. Needless to say, it can be done and Audrey Hepburn marries the professor.

So in the case of “The Turtles,” two well-respected (read: successful) traders had an argument over learning to trade. One trader said that great traders were born and not made, while the other trader, Richard Dennis, said people could learn how to trade and do well.

So they made a bet – for $1.00. Then they got a small group of 14 people together, 12 men and 2 women – most of whom had never traded before – and taught them a simple trading system. They provided them with 2 weeks of training, then gave them money to trade.

Four years later, the turtles had made over $200,000,000. Richard Dennis, the trader who said that trading could be learned, won the bet. He is one of the most famous trend followers today.

Trend trading can be taught, it can be learned, and it can make boatloads of money.