Choosing a Life Insurance Policy is one of the most important, yet boringly, daunting financial decisions we can make in our life times. The reason is quite simple: It's hard to get excited about buying something we hope we never have to use.

Consumer advocate groups such as A.M Best Company, provide life insurance ratings on the top life insurance companies in America. Ratings on short-term, mid-term and long-term life insurance companies are based on several factors. Service, price, company stability are among the top criteria used to provide these annual Life Insurance Ratings. Unfortunately, most of these consumer research advocates charge us a price tag to uncover the best life insurance rates as part of their analysis. Companies like A.M Best are more geared towards providing us with a life insurance company's financial stability, but charge us for the rest of the information. This sort of defeats the purpose of trying to save money on your term life insurance premium, doesn't it? Read the rest of this entry

Ti-84 Silver Edition Calculator

Imagine being a high school or college kid taking advanced Algebra and not having a Ti 84 Silver Edition Calculator. When I was a kid I didn't have even the old fashioned, Ti83 Calculator, let alone a Ti84 Silver Edition Calculator;  much less the Ti 84 Plus Silver Edition Calculator. Today, the fancy Ti83 Calculator and Ti84 Calculators are probably something that all, but the nerdiest of high school students would agree they could do without. In fact, these expensive, Ti Geeky Calculators are the one thing that both parents and non-nerd students wish had never been invented. Parents are understandably upset when they learn that the old Ti83 Calculator they purchased for the older kid is no longer sufficient or expensive enough to learn algebra these days. They will have to invest another $120 dollars to get the very latest Ti 84 Plus Silver Edition;  and anticipate spending $150 by the time the very latest, Ti Inspire comes out for the next kid. In return, their teenage children become very upset and stressed when they realize they have to learn how to use an expensive tech-gadget that is no where near as cool or advanced as their cell phone or MP3 player. A few years ago, when my daughter said, "Mom, Dad; I need a Texas Instruments Ti83 Graphing Calculator for school", I knew by the sounds of it that it would be neither cheap, nor much fun to learn how to use. For some reason, today's computers are not advanced enough to perform intense, mathematical graphical equations on a monotone, 3" screen, but that's besides the point. What is a Ti 84 Plus Silver Edition Calculator? Read the rest of this entry

Alkalol Sinus Remedy

When I wrote about Alkalol last year, I didn't have enough experience with the product to realize how valuable it is as a sinus congestion preventative. I had used alkalol in the past for treating head colds and sinus congestion, but usually stopped using it when my symptoms improved. As reported in my Neilmed Sinus Rinse and Alkalol Review, alkalol really helps. Since that time, I've learned that Alkalol not only helps clear up congestion, but it prevents it from occurring in the first place. For the last several years, I've had problems sleeping at night because the right side of my nose clogs up. It helps to sleep on my left side, but then I get sore and restless from not being able to roll over. If I attempt to sleep on my right side, I wake up with a stuffed up nasal passage and sinus headache underneath my right eye. I've tried so many things, including the Neilmed Sinus Rinse, which does help, but not completely. Read the rest of this entry