Deciding what type of life insurance you and your family need can be challenging. Some people want coverage, but don’t like the idea that their partner will not get anything from it if they die first. Joint life insurance is a type of life insurance where both spouses are insured by the same policy. This means that if one spouse dies, then the other will still have life insurance income until they either pass away or cancel their own policy. In this blog post, we’ll discuss how joint life insurance might benefit you and your family in various ways!
What is joint life insurance?
Joint life insurance is a type of life insurance policy that includes two lives, or joint-takers. It provides a financial cushion for the family if both the insured die before they can meet their obligations such as paying off debt. It provides an income after one parent dies should the other survive. This helps you avoid having your partner start from scratch when he or she has lost half of his or her support system.
Why do you need joint life insurance?
You need joint life insurance because it provides peace of mind for your family in case something happens to you. Your partner may need more support if they have young children at home who are still in school or starting an apprenticeship program. The payout replaces income lost from not working and helps to cover funeral expenses. Your family deserves some financial care if tragedy strikes!
How to get the most out of your investment in a joint life policy?
The best way to get the most out of your joint life policy is to make sure it’s paired with an individual whole life insurance plan, also known as living benefits. With this type of coverage, you’ll receive income replacement and death benefits. It will allow for a smooth transition to survivorhood when one partner passes away. When buying joint life insurance, look for policies that have living benefits included because they provide much more protection than regular term life insurance plans.
Joint life insurance and estate planning
Joint life insurance can also help with estate planning. You may want to include joint life insurance in your estate plan if you are married with children, have elderly parents that rely on you, or need funds for your own retirement years.
If one spouse dies before the other, it can be difficult for the surviving spouse to pay off debt and maintain their lifestyle without additional financial support. Joint life coverage provides this external funding while also providing peace of mind knowing that there will always be someone who has his/her back as they face all those challenges alone.
Types of policies available
Two types of joint life policies include joint first-to-die and joint last-to-die. Joint first-to-die insurance allows the coverage to pass to your spouse or partner upon death. This means if you are the first person in your family who passes away, your loved one will receive all the benefits from this policy instead. So, joint last-to-die insurance is a policy that covers the beneficiary if both spouses die at the same time or within one year of each other.
Joint life insurance is crucial for your family. It provides financial security and peace of mind to you and your loved ones in the event that one or both of you should pass away. It’s worth spending some time with a life insurance expert like Dundas Life who can help you find a plan that best fits your needs. So don’t wait before getting started on securing this vital protection for yourself and your loved ones.
Using a Word Unscrambler Instrument
A word unscrambler instrument anticipates that you should enter the letters you have accessible to you into the request bar. The quantity of letters these engines license, generally speaking, goes up to 15, which is the number of spaces every part of the Scrabble board has – harkening back to the gadget’s beginning stages as a Scrabble word finder.
You can moreover plan the chase to add first and last letters alongside various letters that the word ought to contain. At the point when you have done such, a single snap will show you an overview of unscrambled words that integrate all of your letters.
Not solely will this give you a prevalent idea of the large number of potential words you can make, but in any case, it can similarly reveal significantly more possible word blends, liberating you of any failure while playing word games. Using such a gadget similarly has various benefits, which I will get to in a bit.
To unscramble befuddled words is to figure out what a word is from its letters, where those letters are submitted out of solicitation.
This could give off an impression of being straightforward every step of the way, yet English is a baffling, casual language. As such, it has various exceptions for its principles – and to be certain extraordinary cases for those unique cases – that make it one of the more inconvenient vernaculars to overwhelm.
Things like calm letters, letters that sound not equivalent to their base explanation, and words that come into the English language from various vernaculars can much of the time lose even trained professionals. What number of people who don’t impart in English at a nearby level could normally put a P close to the start of “cerebrum science”?
While endeavoring to unscramble long words (that is, anything longer than 7 letters), you will frequently be speedier with a word unscrambler – especially while playing with re-organized words or other word scramble games.
Best Purposes of a Word Unscrambler
Some could feel that an instrument used to unscramble letters is a one-layered thing, nonetheless, there is a large number of approaches to using a word unscrambling gadget that can be important to you.
Couple With Word Games
While unscramble words can without a doubt be seen as a cheat gadget for merciless games like Scrabble or Words With Companions, allowing every player to use such instrument levels the possibilities that could outline when players of conflicting skill levels play together.
Using an unscrambled instrument is especially significant when you play with family members who are on another educational level or mates who don’t convey English as their most critical language.
For instance, a low-gifted player will undoubtedly not be able to recognize a word like and will presumably play something less troublesome.
With an instrument like complex blended words are all of a sudden promptly accessible, and you can make light of them without keeping yourself, or the opposite way around if the positions are exchanged.
Brochure Design 101: 8 Simple Ways to Make An Effective Brochure
Whether it’s for simple business promotion or to announce the launch of a new product, effective brochure design plays an important role in projecting the identity of the company/product. An effective brochure should be able to catch people’s attention and make them stop to read what you have written. It helps if it looks good, but apart from being aesthetically appealing, it should also do its job well – inform.
If designed improperly, even the best idea can fail miserably because no one reads anymore. Here are 8 ways how you can make sure that your brochure design doesn’t suck:
1. Good Brochure Design Uses Legible Fonts
This means that it shouldn’t be too tiny or difficult to read. Your audience shouldn’t need to squint their eyes and get a magnifying glass just to see what you’re trying to say. And the font should also not be too big such that your brochure looks like an eye chart. The text should be in between these two extremes, easy to read but not boringly small. Here are some basic hints:
Note: Size matters – Aim for 10-12 point type size at least and even bigger for titles and headings if possible because they grab attention and add value to the visual impact. Headings help break up the text into digestible chunks.
2. Your Company Brochure Should Have Few Fonts
Be stingy with your font collection especially if you’re a beginner designer because using more than 2-3 different types could make your design look messy and thrown together without any real design consideration or planning. Stick to one main typeface (serif or sans serif) for body text and perhaps another complementary typeface for headings.
3. Use Your Company Logo on Every Page of Your Product Brochure
Wherever your logo appears, it should be visible enough for people to recognize at least 2 feet away from their face. So make sure you use big and bold logos as well as those which stand out from the rest of your brochure’s visuals (colorful logos work best).
It doesn’t matter what color or size your logo is as long as it captures attention and adds value to the overall design of your brochure. Plus, using the same logo on every page makes it look like an official company publication which improves brand recognition and memorability.
4. Mix Up Typography Carefully
Typography is the art of arranging typefaces, especially for design purposes. Designing with fonts means that you’re making them work together to achieve a certain goal – visually appealing results (or at least your intention).
If you stick to one font alone, everything will look monotonous (and boring) because there’s no variety in styles or sizes. Using different colors on each page can make things more interesting but only if you do it right! You need to learn what works best with what first before doing this otherwise it’ll be like throwing spaghetti on the wall and seeing what sticks.
Don’t have fonts? Then go to Venngage! The prime brochure and flyer maker in the market today!
5. Use Subheads to Break Up the Text in Your Digital Brochure
Too much text can make any brochure look like a school textbook (boring!) so you need to break up the text into smaller chunks which should ideally be no longer than three lines.
This helps people scan your brochure faster because they’ll know exactly where each section starts and ends, giving them an idea of what interests them before they decide whether to read on or move on. Just remember to use contrasting colors (different from your main font color) for subheads because that’s how they stand out best, otherwise, everything will just blend in together into one big blob of design mess.
6. Use Page Borders Sparingly
Page borders can be used to make your brochure design look pretty but it is easy to overdo this. Like most aesthetic effects, page borders can add or take away from a brochure’s visual appeal so use them with care and discretion because too many borders look messy and unfinished rather than good.
Less is more when it comes to embellishments if you want your audience reading your content instead of staring at another piece of art. Unless that’s the goal then go ahead!
7. Use One Theme for Your Entire Online Brochure
Even if you’re just designing a simple one-page flyer, you still need to have the main theme – an overall purpose that ties all the elements together into one cohesive unit. This makes it easier for people to figure out the purpose of your brochure right away, making them want to read on without scrolling through unnecessary information.
A unifying theme can be anything – it could be the use of color or your company logo, depending on what you choose for your design’s focal point.
8. Ensure Readability by Maximizing Spacing
Brochures are meant to be read so always keep this in mind when designing yours otherwise no one will bother trying because they’ll find it visually exhausting. Layout matters too because certain layouts don’t accommodate text very well at all (lots of tiny words crammed together is not good).
Make sure that there’s enough visual breathing room between each line, between paragraphs, and even between pages. It may make your brochure design seem a little less “busy” but that’s a good thing because it makes reading easier on the eyes.
There you go, simple ways to make an effective brochure. Do this and you are going to reap the benefits of an effective marketing tool!
How to Avoid Losing Your House Keys
The feeling of reaching into your pocket for your house keys and finding them gone is a terrible one. You can take steps to avoid losing your house keys and experiencing that.
Purchase a Key Cover:
One of the best ways of keeping track of your house key is by making it unique. Recognizing the key right when you see it is important, and you can purchase a key cover that will help the key stand out. Invest in something colorful that will help you spot your key if you drop it on the ground and recognize it when it is mixed in with other keys.
Always Stick Your Keys Away in the Same Place:
When on the go, it can be helpful to always put your house keys in the same pocket of your pants or the same part of your purse. When you get in the habit of putting them in a certain place, that will be the first place you go to look for them when you can’t find them.
Treat Your Keys as the Valuable Item that They Are:
A small key might not seem important to you compared to some of the other items that you own, but losing a key can mess up a day and lead to security issues. Treat your keys as the valuable items that they are and be careful with them. Treat the keys as you would a special coin or piece of jewelry.
Use a Good Keychain or a Lanyard:
Everyone has different tastes when it comes to keychains and lanyards and different things that work best for them. You should find a keychain that is a good size for stashing away in the spot where you like to keep your keys, avoiding anything that is too bulky and inconvenient. Consider lanyards, as well, and the way that they keep your keys on your body and readily available.
Consider Bluetooth Tools that Help You Track Your Keys:
There are tools that you can find today that help you track your keys when you don’t know where they are. You can find an affordable Bluetooth tool that you can attach to your house keys so that you can use your phone to find them if you lose them.
Keep Extra Keys and a Locksmith’s Number Handy:
Even if you are careful, you can still lose your keys. It can be helpful to have an extra set stored somewhere where you can get to them if you do lose the keys, and it is also good to know of an emergency locksmith who can help you get into your home if you cannot find a single set of your keys.
You don’t want to give a stranger access to your house by losing your keys somewhere, and you don’t want to be stuck outside your home because you cannot find a key to get the door open. Be careful with your keys to avoid losing them and getting into a bad situation.
5 Benefits Of Using Lithium Ion Battery And It’s Price
With the rise in popularity towards creating a sustainable environment, lithium-ion batteries have become the most popular type of rechargeable battery for consumer electronics. Besides popularity, they have become an ideal solution for renewable energy storage for major businesses. What’s so special about them? What is driving their immense popularity these days? Well, the answer lies in the lithium-ion battery’s chemistry.
Its chemistry is superior to other lead batteries. Lithium-ion batteries have advantages, like low maintenance, high energy density, versatility, longevity and performance. From flashlights to cars, lithium-ion batteries are used for a large variety of products. Do these points alone make lithium-ion batteries superior?
How can we forget about the lithium ion battery price? Though the lithium ion battery price is comparatively higher, it offers a much better price over the entire product life. Besides, researchers and manufacturers are constantly trying to bring down the price of lithium ion battery.
Super long life and no maintenance make it a smart choice and a worthwhile investment.
Have we forgotten about the efficiency and lifespan of lithium-ion batteries? Absolutely not! Compared to lead batteries, lithium-ion batteries offer significant advantages, such as efficiency and longer lifespan, including improved discharge and the ability to deep cycle while maintaining power.
Fascinated? Want to learn more about lithium ion battery price and the many benefits of these batteries? Waste no more time and dive in.
Why are industries driving towards lithium-ion batteries?
As said above, lithium-ion batteries offer advantages like high energy density, low maintenance, longevity, versatility and performance. These factors contribute significantly to making industries use them. How? Here’s a quick explanation:
- Low Maintenance
When using lithium-ion batteries, follow the rule of thumb – plug, play, charge. that’s all! Unlike nickel-based batteries, lithium-ion batteries require relatively little maintenance. It has low maintenance costs and does not require a priming device. There is no memory effect, so even after repeated charging and discharging, it will not work even if the capacity is low.
To support the idea of creating a better and clean future, lithium-ion batteries make an ideal source of renewable energy solutions in many products, such as electric cars, electronic devices, high-power appliances, and many more.
- Longevity and Performance
They can deliver three times higher capacity, up to 3.6 volts, than nickel batteries. Additionally, they have a longer shelf life This is due to its slow self-discharge rate of about 1.5-2% per month.
- High Energy Density
Li-ion batteries offer the highest energy density, around 100-265 Wh/kg, in the rechargeable battery market. That makes them more powerful than any other battery available. Moreover, this factor makes people choose Li-ion batteries for longer battery life.
- Miscellaneous Benefits Of Using Lithium-Ion Batteries
Out of the plethora of benefits of using lithium-ion batteries, here are a few of them that contribute majorly towards making them a worthwhile investment:
- Lightweight: They are 50-60% less in weight than their lead-acid counterparts. Why would anyone carry heavy lead batteries when they can get lightweight ones with more unique features?
- Safety: They are made carefully with inherently safer chemistry. You can trust the affordable and reliable battery management systems that provide extra protection for lithium-ion batteries.
- Drop-in replacement: There’s no need to worry about replacement if the battery gets damaged. The battery is available in standard industry sizes that can serve the purpose depending upon the requirement.
- Constant power: What do you want when you think of installing an electrical appliance? Is it the constant power without any voltage drop? If yes, adopt lithium-ion batteries as their voltage doesn’t drop like lead-acid batteries.
- Temperature tolerant: These batteries are harmlessly operable up to 65 degrees Celsius and are 2.5 times more efficient at lower temperatures.
- Fast and safe charging: These batteries offer highly efficient charging, which can fully charge in 1-3 hours. Moreover, they have in-built overcharge protection that protects them from being exploded if left overnight for charging.
- More charge cycles: Quality Li-ion batteries last more than 1000 charge cycles. When the battery is discharged and then charged fully, Li-ion batteries do not degrade over time if this repetition of charge-discharge is constantly being done.
- Low self-discharge rate: FYI, self-discharge is an irreversible, natural process for batteries, where the chemicals undergoing reactions reduce the capacity even when the battery is not being used. Unlike the lithium ion battery price, the self-discharge rate of these batteries is low, which peaks at about 5% within the first 24 hours after charging the battery and then tapers off to 1-2% every month.
- Non-hazardous: No gases or chemicals are released into the environment using Li-ion batteries.
- PSOC tolerant: There’s no damage from the partial state of charge operation or storage while using lithium-ion batteries.
Lithium Ion Battery Price
In India, the lithium ion battery price ranges from ₹ 2250 to ₹1.5 lakhs. The high price of these batteries is because they offer a longer shelf life compared to other available options in the market. Various companies are working on reducing the lithium ion battery price by implementing advanced technologies. How successful they’re going to be is a matter of time!
To Wrap Up
Because lithium-ion batteries are quick to charge, consume less space, are lightweight and compact, provide life cycles 1500 @ 95 amperes, have a low C-rating and don’t require priming, they have become the soul of making the environment eco-friendly and sustainable. Besides, the lithium ion battery price is coming down too.
If you want to invest in batteries or any product made with batteries, go with the lithium-ion ones. They are the most promising solutions due to their low decay and optimal charging. What else? They can prove a good one-time investment because of their cost-to-energy ratio. So, when are you switching to lithium-ion batteries? The time is now!
Why CPG brands are using QR codes?
The Consumer Packaged Goods (CPG) market has witnessed a significant spike in recent years and with growing demand comes increased consumer concerns. People are becoming more aware and nit-pickier about the goods they buy. They intend to know the manufacturing details, and ingredient list before dropping a product in their basket.
Catering to the customer’s needs has become the ultimate priority. The CPG brands are striving to be more transparent and are working towards providing in-depth information about the products for the consumer’s assurance. However, the product packages barely have enough surface area to provide all the relevant information to gain customers’ satisfaction.
This is where the QR code generator for consumer packaged goods comes into the picture. In an effort to collect contact information, educate consumers, and measure the success of their products in-store, QR codes can be leveraged with tremendous success.
QR codes are a beneficial tool to build consumer trust, enhance brand reputation, attain transparency, and encourage sustaining brand loyalty.
Here are five reasons why CPG brands are using QR codes-
1. Gives additional information about the product
Products with QR codes contain comprehensive details, making the consumer’s experience wholesome. QR codes on food packaging, for example, can have everything from nutritional facts and exciting recipes to bonuses and suggestions.
Website URLs, phone numbers, and up to 4,000 characters of text can all be stored in a QR code. Here are a few other ways to use QR codes:
- Ask for reviews & feedbacks via QR codes
- Create digital business cards by adding QR codes to your Business cards
- Add QR codes on marketing materials to boost your product promotions
QR code for product information helps you stand out from your competitors and positions you as the authority in the market and gain customer trust and loyalty.
2. Increases your social media presence
There are various kinds of QR codes. Some take you to a new world of recipes, and some to your socials. Social QR codes effectively promote your product and create a loyal community around your brand. QR is an effective way to encourage your customers to connect with you on all digital platforms.
With the scan feature, you can assure that your customers reach the correct social handle and do not have to type in to locate you online. Giving them a list of your social media pages lets consumers choose their favourite way to connect with your business digitally.
When you are not out of sight, you will always be on their minds.
Use of QR codes in your marketing campaigns is a powerful strategy if you’re trying to expand your social media presence. It has several advantages and can be carried out in a variety of ways.
When QR codes are used to complement social media marketing, they can:
- Increase engagement
- Create awareness
- Differentiate you from competitors
3. Builds trust and transparency
Needless to say, consumers are now educated, aware and demanding. They need validation about the authenticity and the safety of the products they purchase.
According to a research conducted by Label Insight, 94% of people expect absolute transparency from the manufacturers.
For instance, with the use of QR codes, a food & beverage based CPG brand can tackle burning questions like –
- Is it safe for my family and me?
- Are the ingredients organic?
- Do they have parabens and preservatives?
- Does it contain artificial sugars?
- What are the different ways in which I can use this product?
- Where was this manufactured?
Transparency is the key to boosting customer trust and brand loyalty. The use of QR codes to tell a story, provide the history of your company, describe your product origin, or even track product deliveries are all innovative ways to provide the customer with the information they need to trust the company’s process before investing in their products.
Information about the production process, the materials used, the working conditions offered to the employees and how sustainable the production process is allows the customer to connect with the brand and create a deeper level of trust with it.
4. Improve sales
Who doesn’t love offers and discounts?
Coupon QR codes allow you to advertise limited offers and deals on your products. The scan can include all the essential information about the offer, like its expiration date, the terms and conditions and benefits. These QR codes can be saved and stored in the customer’s smartphones until they are all set to redeem them, thus boosting your sales.
Due to the substantial growth in shopping via QR code marketing and the increasing adoption rate of QRs across the globe in the last year alone by 37%. This made several established brands like Rockport, Dominos and Starbucks come up with new and innovative ideas to use QR codes to boost revenue and sales.
5. Helps you leverage the video advertisements
Videos are in trend now, and their demand has been ever increasing. Video marketing increases customer engagement, educates your target audience and reaches them through a different digital medium.
A simple Video QR code on banners and posters can take your customers directly to your advertisement video. This process helps in grabbing your customer’s attention, and most of the time, they end up buying more!
QR code generators for CPG brands can prove to be an effective tool if used smartly. QR codes can significantly increase your sales and establish a better experience for your customers. Moreover, taking everything online into the web world has become a necessity to stay in demand and relevant in the market. It is the easiest, quickest and most efficient way of expanding your user base.
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