Choosing a life insurance policy

Keep these tips in mind
Choosing a life insurance policy can be a confusing process, which is why it is important to speak with an independent expert for advice on your requirements. I was contacted recently by my friend Tom, who runs, he has compiled the five top tips to keep in mind when searching for a life insurance policy so that you can find the cheapest option for your requirements. He asked me to publish this post on my website.

Make sure you really need it
Before you start looking for a policy, make sure you need one. It’s more important for some people to have life insurance than others – for example, of you have a mortgage and a dependent spouse and/or children, you really should have life insurance. See our article Who needs life insurance? for more detail and advice.

Which type of policy?
Depending on why you are purchasing life insurance, there are different types of policies to choose from. If want life insurance to ensure that your family is financially provided for in the event of your death, you should consider a level life insurance policy. A level life insurance policy will pay out a set lump-sum amount if you die within the term, providing an income for your family that can also be used to repay any outstanding debts, such as your mortgage.

If you are purchasing life insurance simply to repay any outstanding mortgage at the time of your death, you should consider a decreasing term policy. These policies decrease in value over the term in line with your outstanding mortgage balance. Then, if you die within the term, the payout is sufficient to repay your mortgage and protect your dependents from the debt.

There are various other types of life insurance policies available, so be sure to visit our common life insurance types section, and speak to an independent expert for advice tailored to your requirements.

Don’t over-insure
Finding a life insurance policy that is truly beneficial is about striking a fine balance between the size of the payout you want your dependents to receive, and the amount you can afford to pay in premiums each month. Obviously, the higher the payout you want, the more expensive your monthly premiums will be. And, while it is important to provide for your family in the event of your death, it is equally as important to not pay more than you need to for the policy, especially as you may never even need the insurance. See our article on calculating the amount of cover you require for more information.

Understand exactly what you’re getting
Make sure you know exactly what you are getting from your life insurance policy before you sign on the dotted line. The terms and conditions can be very complex, so it is vital to seek independent financial advice before and during your life insurance search, so that an expert can advise you on exactly what you are purchasing.

Shop around
The final tip is maybe the most important – shop around! Many people purchase their life insurance policies from their mortgage providers. This may not be the most competitive policy available, so make sure you compare the entire market before applying in order to find the cheapest option available. Speak to a whole of market broker for advice tailored to your budget and requirements.

Make it Easy to Dig Into Your Archives – Or I Won’t Bother!

Some blogs have so much in their archives, yet they make it so painful to find old posts. I still don’t know whose idea it was to stop using page numbers – I think bloggers would really benefit from improving the navigation on their blog.

minimal layout is all well and good. A huge long list of old posts means that you can see everything, but I’m not sure it’s the best way (I pressed page down 28 times to reach the bottom). However, it’s easy.

Highlighting posts from several categories is a good idea, but if I can’t find your latest post quickly and easily, I’m going to stop looking.

Why bury your categories at the bottom of the page? I might want to go through some of your older posts.

Do you have too many different ways to get to the same content? Or too few? And are you hiding paid links in your sidebar?

Not every post can be linked from every page, but it’s generally a good idea to help a new reader find your best posts with the minimum of effort. Otherwise, you’re selling yourself short.

Rest assured, these aren’t the only blogs doing these things, and their content is good. It’s just not much fun trying to locate posts. This becomes more of a problem the more posts you add to your blog.

So – What Can You Do?

Here are a few suggestions for helping readers to browse through your archives.

  1. Make your archives easy to find. Actually – a very basic point comes to mind – make sure you actually include some kind of archive navigation. Not every blog makes sense to browse by date, but I’m not just thinking of this type of archiving – I’m also thinking of browsing through the less-travelled pages of your categories. Speaking of which…
  2. Keep your categories balanced. If you clicked the “improving the navigation” link that I included above, you may already know some of these tips. It’s generally a good idea to have a small number of categories – I’m thinking 20 or 30 rather than 100 or more. It’s also good to eliminate duplication in your categories – don’t have too many similarly named categories. Finally, aim to have a similar number of posts in each category. Of course, this isn’t always possible, but it isn’t much good if you have one category with 200 posts in it and nine categories with one or two posts in each.
  3. Header, sidebar or footer? Where you should put things is down to preference, but certain areas of the site are better suited to certain information than others. For instance, I think that it’s good to have a horizontal navigation bar of your core links either above or below your banner/logo. Then include some category-based and date-based navigation in the sidebar. Finally, include featured posts or additional information in the footer. Don’t bury ads in the footer, don’t cram too much into the sidebar, and don’t dump dozens of tiny little buttons in the footer either.
  4. Highlight popular posts? What’s a popular post? Most viewed, most commented, most spammed? Take your pick – but bear in mind that your most popular posts will have a tendency to stay at the top if you draw too much attention to them. One option is to change what makes a post “popular” on a monthly basis, or only feature the most popular posts from the last 1-2 months. This means you don’t have a classic post taking up the #1 spot forever. It might be an excellent post – but if a reader has seen your top 10 posts and you have an archive of thousands, where do they go next?
  5. Find new ways to share your older posts. One of the biggest gripes I have with long-running blogs is how difficult it can be to find anything other than the latest and greatest posts, without reading every post on the blog. Maybe you only want the latest and greatest. But for those of us who have never been a particularly well-known blogger, there’s a good chance that a lot of our posts won’t be seen by many people. Tweet Old Post is one way to highlight older content on Twitter. Another great way to bring older posts to the forefront is to compile them with some additional content into a downloadable PDF. I’ve done this with theWeekly Blogging Magazine, and also with my first ebook, 101 tips for improving your blog.

You have to think beyond your homepage. Where does a post go once it’s no longer new? How will people find it? Maybe you don’t want people reading all of your old posts, but you’d be surprised how many gems are hidden in the darkest depths of your archives. Maybe it’s time to do something about that.

Radiology Specialists in London

What does a radiology technician do can be explained by first understanding what the term radiology is and the type of work it entails. To become a radiology technician a person is demanded to acquire formal education in any of the schools with radiology technician programs. One who is considered competent enough to seek employment may do so in medical centers such as hospitals, dental clinics, private practice among others.

Some of the basic courses that instill knowledge in students and that make up the core aspects of what does a radiology technician do include physiology, pathology, microbiology, radiology, physics and anatomy inclusive of others. These are some courses that students undertake when learning what does a radiology technician do in duration of 2 or 4 years depending on the program. Persons become competent in identifying and carrying out x-ray procedures while learning what does a radiology technician do in schools that offer radiology technician courses.

DoctorsThe knowledge gained is applied in procedures that involve performing analysis of medical conditions and ailments in patients. To understand better what does a radiology technician do one may want to have sufficient knowledge on diagnostic radiography, which is the particular field that deals with cardiovascular imaging, interventional radiography, examining of organs, bones cavities and foreign objects. Sonography is a branch which entails use of high frequency sound for necology, abdominal, pediatrics, cardiac, vascular and muscular-skeletal region imaging.

Other branches that may assist in knowing what does a radiology technician do include fluoroscopy for imaging of intestinal organs, computed tomography to capture and provide three dimensional images of the body and magnetic resonance imaging for building two or three dimensional images of various kinds of tissues within the body

What does a radiology technician do may also include performing various procedures in nuclear medicine, which involves use of radiographic tracers induced in a body to show how different organs of the body are performing, administering particular radioisotopes and thyroid radiotherapy to thyroid cancer patients to shrink or in some instances get rid of cancerous cells. In addition, what does a radiology technician do may also include specializing in mammography branch, which involves the use of low doses of x-ray to get images of human mammary glands to assist in diagnosing patients. Many other duties in different areas of radiology can assist in understanding what does a radiology technician do. Once one has knowledge on what to expect as a radiology technician in different specialties an individual can pursue the best program to help in achieving his or her goal.

Planning & Preparation When Moving Home

Planning & Preparation When Moving Home

Van Woustraat 54-66, Amsterdam

When the time comes to move to a new home, proper preparation and planning can help you avoid some typical headache-causing blunders. Here are moving tips that will make your transition to a new house hassle-free and faultless.Use a Moving PlanWhen scheduling to move, devise a moving plan that will help you to accurately estimate the job at hand. A person can easily underestimate the task at hand by leaving out some items from the moving list. This often leads to damages, increase in costs and stress. One of the most appropriate ways of managing moving tasks is setting up your own comprehensive moving plan. Alternatively, you can go online prior to the actual move and find a sample moving plan that gives a list of jobs you need to perform.Estimate the Time it will take accurately

As a matter of fact, the most apt thing that you can do to estimate time accurately is begin preparing well ahead of the time when you plan to move. The minute you learn that a move is in the offing, begin by culling unused and out-dated items that you come across and stack them together in a spare room or shed and ultimately sort them out. Concurrently, sort out items that you plan to move. Being on the ball will lessen anxiety levels and eliminate last minute costs.

Manage the re-packing process skilfully

The next step is packing your belongings. We have held for a long time the inaccurate notion that the best items for packing a person’s belongings are plastic storage tubs. The hubs are however not recommended because they can easily crack and fall apart when being moved around in a trolley or being stacked on top of a truck. Another commonly used packing material which is also not recommended is striped sisal bags. They often easily rupture and spill their contents. The standard size packing cartons are best because they make loading much easier and quicker due to their appropriate volume. The best removal cartons come in 2 categories. They include the book/wine/crystal cartons and standard tea chest cartons.

Use the Professionals

Alternatively, if you feel you need help, contact London removals professionals to provide you with a full pre-pack service and a valet unpack. Do not go for the cheapest quote. Some moving companies offer low quality service at low rates, which may lead to losses you did not anticipate to incur. The right removal company should provide you with insurance for your goods and be time conscious.