How a good disability insurance policy upholds you during sick times

Worried about the revved up medical bills on your recent sickness - temporary disability? It has made a big whole in your monthly budget. And now you are having sleepless nights on any possibility of recurrence of the situation in future.

Well, with the changing lifestyles, diseases among the generations have increased. Sometimes these diseases take the from of disabilities, costing you more on your pockets. But buying an insurance policy can give you some amount of respite. When you are unable to work, disability insurance coverage replaces some portion of your earned income. You get two major types of disability coverage:

Short-Term Disability Coverage: This type of insurance coverage gives you cover for the early days of your disability. This policy can pay you benefits for two weeks to two years. Usually short-term disability is included in the employee's benefit package.

Long-Term Disability Coverage: As the name suggests, long term disability helps you replace your income for an extended period of time. This time period generally ends after five years or when the age of the disabled person is 65. This long term disability is either provided by your employer or you can also have it individually. Under this, there are two types of individual insurance. One is non cancelable and the other is the guaranteed renewable.

In this type of insurance scheme, the renewal of the policy cannot be refused by the insurer. The insurer is also required to pay the premiums on time. The major difference between the two is that, you have an extra security in a non-cancelable contract, that the premiums will never be raised above that shown in the policy.

But a guaranteed renewable insurance policy can raise the premiums, if the change made affects all the policyholders. Due to this, the initial premiums are less expensive for the guaranteed renewable policy as compared to the non-cancelable one.

Insurance on individual disability is a basic concept. It considerably replaces your total income and that too on a tax free basis. The disability policy provided by every company is different from the other. But it is not a product that you can shop for on the basis of competitive rates. Buying a cheap disability insurance policy is just like throwing away money.

So before going in for a particular insurance policy, it is advisable for you to do a little market survey and put your hands on the one that is the most suitable to you.

Make your wedding special with these bridesmaids tips

It is customary to honor your bridesmaids for their participation in your wedding with a gift of appreciation. Traditional gifts include a piece of jewelry such as earrings or a necklace that complements their bridesmaids dress and can be worn on the wedding day but many bridesmaids will truly appreciate a more unique gift idea. With careful consideration you may be able to give your bridesmaids gifts that show your appreciation for their assistance and also demonstrate that you understand their personality as well.

Camping is one alternative to the traditional bachelor party. You may choose to either rough it by backpacking to a location with only the gear on your back to help you survive the elements for a few days or you could choose to drive to a spa facility that offers well appointed cabins and five star gourmet meals. Whichever option you choose, you are bound to have a great deal of time relaxing and enjoying the company of the rest of the participants in your bachelor party. A camping trip offers the groom a quiet atmosphere to reflect with his friends on the journey he is about to take.

Sporting events are another great alternative to the usual bachelor party ideas. You may find that married life does not offer you as much free time to spend with your friends as you used to have so take this chance to enjoy a little bit of fun with your friends. Whether you choose to partake in a sport of your choice or purchase tickets to see your favorite professional athletes it is sure to be a great opportunity to bond with your male friends in the last few days before your wedding.

It is wise to try choosing a sport that all of your guests will be able to participate in especially if you plan to include very young or very old guests. In this situation playing a game of football may not be the best idea but taking everyone to play a round of golf might be an activity that all of the guest can enjoy.

Personalized cosmetics bags can also be used as unique bridesmaids gifts. You could purchase attractive cosmetic bags and have them embroidered with your bridesmaids’ initials and the date of your wedding. Another nice touch with this gift is to include a few items such as lipstick or nail polish that complement each of your bridesmaids’ style and complexion.

Co-ed bachelor parties that coincide with the bachelorette party are becoming increasingly popular as well. One common practice involving these adjunct parties is to have the bachelors and bachelorettes meet at separate restaurants for dinner and then join each other at a nightclub to cap off the night with some dancing and a few drinks. These types of parties can be a great deal of fun because they allow both the bride and the groom some time apart to spend time with their friends and then they reunite the couple at the end of the night in a chance for them to spend time with all of their friends without the pomp and circumstance that is likely to accompany their wedding reception.

Unique gift ideas for the bridesmaids can also stem from the wedding theme. For example if you are having a beach themed wedding you might want to give your bridesmaids a gift of a tote bag, a beach towel and a novel to enjoy on the beach. This unique gift idea ensures that your bridesmaids will remember your wedding fondly the next time they are at the beach. Traditional bridesmaid’s gifts such as jewelry and jewelry boxes are always welcomed but if you have a large group of friends and most of them will be bridesmaids several more times as more of your friends get married it might be nice to give your bridesmaids a gift that is unique. Unique gift ideas convey your message of appreciation but also let the bridesmaids know that you put a great deal of effort into choosing their gift.

Free wedding speeches tips and advice

Statistics have shown that more people are afraid of public speaking then they are of more common fears, and it is indeed a very fearful act, speaking in public, anything you say cannot be taken back, and if you say something bad, you’ll get foot "in" mouth disease.

But does looking for free speeches on the net really help? Most of the time you’ll find some cheap tips on how to make the perfect, speech or how to say it. Or maybe you’ll be lucky enough to find one that is already made, and you’ll just have to print it. But these speeches tend to be rather, impersonal and very general, and if you’re the best man, you’ll probably just end up boring your friends and family.

When making speeches, the simpler the better, you won’t have to depend on free wedding speeches off the net if you have memories of your friends.

What you are asked to do on a wedding toast is to tell the people something about your friends, the ones getting married, how they were meant for each other and how you wish them happiness for the rest of their lives. You don’t need a factory made, winding speech, all you need is memories, and your genuine care for your loved ones.

If you’re still having the jiggly stomach about giving your speech you can follow these free wedding speech tips, they may not be ready made but they’ll surely help.

- Forget the preaching go on with the memories

Most people give winding speeches because they tend to give “unasked advice” leave that to the marriage counselor or the pastor, just give ‘em memories. Most couples appreciate the nostalgia of a few well chosen memories. Find a funny or a touching memory you have of the couple and share it with the room, plus a few well wishes and you’re done.

- go for short but effective, rather than long and winding

Many of us know that a long speech is very boring; you don’t want to dull the night with your talks of your childhood, and your games, with your friend. A biography is for a book, one or two memories are for a wedding.

- Write a Poem

You may say that poems are for sissies but that depends on every person point of view. But a Wedding Is a very emotional moment and it’s sure that everyone is in the mood for a little emotion and tears and what more to provoke those dams to flow than a few well said lines in the form of a poem?

- Don’t forget to introduce yourself

A simple “Jade has been my friend since high school and I’ve never seen her gaga over any guy other than Andrew” Make a basis for what you’re saying, especially if you’re talking about moments in the newlywed’s life. If it was a trial, you’re the witness, and you’ll need credibility. Just imagine would people “feel” your speech if they’re don’t know who the heck you are?