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Hands-On Learners Thrive in Transportation Technology

– The arrival of the new year means new decisions for students planning their futures and seeking a career path that not only suits their strengths, but also brings them satisfaction and security.The transportation industry in the United States continues to experience a workforce shortage, and may be the ideal path for hands-on learners whose talents and interests may be well suited for a successful and satisfying technician career.The nonprofit TechForce Foundation has launched the "Be a Pathfinder" campaign to help students with natural talents for hands-on professions discover their strengths and learning styles, and explore a career they might not have considered: that of a transportation technician.The "Be a Pathfinder" campaign features a free learning-styles quiz on the TechForce website that generates a report for students and parents with personalized career tips based on their unique learning styles. Students who take the quiz are entered to win a TechForce Foundation gift package that includes a $50 Shell gift card and other prizes."The learning style quiz and personalized resources not only help students and parents recognize the opportunities of a career as a transportation technician, but also help them understand how and why they’re a fit for these careers," says TechForce Foundation Executive Director Jennifer Maher.The campaign encourages students to be "pathfinders" by helping them discover and understand their unique strengths and use that knowledge to choose an educational and career path. TechForce Foundation’s mission is to promote the potential of professional technician careers, and to encourage parents, teachers, and other influential figures in teens’ lives to recognize and support technical careers that may be a good fit for those students.Studies suggest that the U.S. will need 1.2 million new technicians within the next decade, which translates to about 120,000 new jobs per year for aspiring professionals with interest in and aptitude for automotive, diesel, motorcycle, and other transportation fields."Though there are many viable, high-paying job opportunities in STEM-related careers like those in the transportation technician field, students have been told a traditional four-year degree is the only path to success," Maher emphasizes."The truth is that we’re all wired differently, and hands-on learners can thrive in these positions."Students and parents can take the learning-styles quiz at TechForce.org/MyPath.Additional stories, videos, and resources are available on TechForce Foundation’s website, Facebook, Twitter, LinkedIn, and Instagram accounts.Visit techforce.org for more information about TechForce’s work and pathways to rewarding careers.

How to use Odin

How to use Odin:-

1.You need odin

Link:- https://odin3.en.lo4d.com/windows

2.PC or Laptop

3.USB cable compatiable with your Device.

4.Download ROM compatiablefor your device

For Samsung Devices Visit Sammobile.

LInk:-https://www.sammobile.com/firmwares/archive/ .

Download the Zip folder an unzip it with Winrar.

In that file You will get 5 files .

1.BL file.

2.AP file.

3.CP file.

4.CSC file.

5.USER DATA file.

Switch off your mobile phone.Then Put your device in download mode.

By pressing The Power button+Home button+Volume Down button for 5-10sec.

Coinnect Your device to pc and run Odin Add all files to its desiar position.

Then click volumeup button to continue in your phone.

Your device will indicated in left corner of odin.

Thenclick Start on Odin.

it will take upto10 min.

after flashing your phone will restart.

And now you can disconnect usb cable from your mobile.

4 Things to Bring With You to Enjoy Any Sporting Event

How ‘bout them Cowboys?! As pre-season gets into full swing and America gears up for the upcoming football season, sports fans are prepping their barbecues and coolers for tailgating and partying to celebrate the country’s most popular sport.
Indeed, the end of summer is signaled by cooler weather, the start of football and the close of baseball, as it heads into the home stretch for the playoffs. Wherever your sports heart lies—be it with football, baseball, basketball or hockey—there’s a code of conduct when you’re supporting your favorite team at the next home game. In fact, there’s an unspoken rule for fans everywhere: Be passionate about your team, but not obnoxious.

To ensure your next trip to the arena, stadium or ballpark is as relaxing and successful as ever, here are some key items to bring:
• Alcohol and sports go hand in hand, and no one is disputing that. So, enjoy a nice, tall beer and some good-natured ribbing with your fellow fans, but remember to be a good sport and be respectful of your stadium neighbor(s).
• Pack binoculars and seat cushions. Not only will you be comfortable, but you’ll be able to see the action, plays and players so close, it will be as if you were on the field.
• Bring some snacks and drinks. Many venues allow this, and you’ll save a ton of green by packing your own.
• Don’t forget your spittoon. Being at an arena or stadium crammed shoulder to shoulder with someone can be uncomfortable and leave you exposed, to say the least. If you’re a smokeless tobacco user, there’s even less chance for you take a “dip” and spit.
That is, unless you own a portable spittoon created by Atlanta-based FLASR. These new 4-ounce pocket-sized spittoons are designed for users to easily open and close with just one hand, making them ideal items to bring to the next sports event or any other public setting so you can privately enjoy your tasty tobacco. Another advantage to the FASR flask is its advanced closing mechanism that ensures it stays securely closed when not in use, eliminating the risk of any messy spills or leaks.
For more information, please visit www.flasr.com.

Technician Education Can Fuel Financial Success

(NewsUSA)

– It doesn’t take a college degree to understand that a four-year education may not be the end-all and be-all it once was, according to a new survey of U.S. high school students. With rising costs for higher education, and the way it equates to a career, more high school students say costs will be a "deciding factor in which college they attend or whether they end up going at all," according to the Washington D.C.-based nonprofit College Savings Foundation.The survey, which is in its 10th year, found that of the 500 students polled, this year saw the highest percentage (55 percent) say they are thinking about technical schools and career schools in the same way they look at traditional universities.This is good news for technical schools (most notably transportation technology and repair), that to date have had trouble attracting students through their doors."There is more computer code in today’s cars than there was used to put a man on the moon," says Jennifer Maher, chief executive officer of the TechForce Foundation, a nonprofit organization that supports students through their education into successful careers as professional technicians. "These are skilled, well-paying, technical jobs."To put this into perspective, according to Motor Authority, a Ford GT has more than 10 millon lines of code and the new Ford F150 pickup has more than 150 million lines of code. Compare that to the shuttle’s primary flight software, which contains approximately 400,000 lines of code, and it becomes easy to see the necessity of skilled technicians and the job security the industry represents.According to data from the 2020 AutoCare FactBook, the auto care industry added approximately 41,500 jobs in 2018, and automotive repair and maintenance showed the greatest increase in average hourly wages among technician jobs from 2009 to 2018.More good news: The demand for skilled technicians continues to rise as older technicians retire. Additionally, those numbers increase as technicians move into other industries, and new positions open up. To this point, the Bureau of Labor Statistics predicts that the replacement rate plus the growth rate will translate to 78,200 per year from 2016 to 2026.TechForce’s publicity campaign, "Because I’m a Tech," encourages technicians to share their stories about how they have succeeded in skilled technician careers. Some of their comments: "I bought my first house at age 27;" "I get to do something I love every day;" "I have a good work/life balance and have time for my hobbies."To that end, you can check out Tech Force’s "Get Hands On" video contest that is part of its current campaign.To see how beneficial a technical career can be, click here.Technician jobs can be an ideal alternative for many nontraditional learners who can think outside the box, and who enjoy working with their hands and solving problems. Plus, there’s the fact that technicians can learn their skills as soon as two years after high school and put them to use right away without the time and expense of a traditional, four-year college degree.TechForce’s FutureTech Roadmap to the transportation technology career highlights some of the traits that make for well-paid, successful technicians and how parents and students can identify these valuable skills.Middle School: Sixth graders to eighth graders who like to tinker; those who fix the wobbly bike wheel or design the winning car in the scouts’ soapbox derby, may benefit from a technical school rather than a traditional college education.High School: The high schooler who helps design and build the sets for the school play may be the next great technician. Also, students with diagnoses of ADHD who learn best with hands-on lessons and struggle with lengthy, desk-bound assignments are ideally suited to many technician careers.Post-Secondary School: High school graduates with a strong interest in science and technology can launch fulfilling careers with training at an ASE-certified program. The more certifications and degrees earned, the higher the tech’s earning potential from future employers.For more information about pathways to rewarding careers as transportation technicians, visit Techforce.org.

The Art of the Seam!

The Art of the Seam! Chrysler Museum Honors Baseball Folk Artist

(NewsUSA)

– All artists have one thing in common — they start with a blank canvas.In the case of George Sosnak, a folk artist whose work is being exhibited through August at the Chrysler Museum of Art in Norfolk, Va., his canvas of choice happened to be a part of America’s favorite pastime — baseball.To understand the artist, you have to understand the medium, its history, and the man behind the art.It was around this small, leather ball that the artist found a way to express his love of the game.While Sosnak was passionate about baseball, he was athletically unskilled as a player. So, he did the next best thing — he became an umpire. After World War II, he landed in the Pioneer League for the 1956-1958 seasons, later going on to umpire in the Three-I League (Iowa, Idaho, and Indiana) and Southern Association, before both leagues folded. With that, his dream of becoming a Major League umpire died. The Artist Within Emerges His calling to art came in the form of an odd request from a female fan while he was umpiring a game in Idaho in 1956: Could he paint her favorite player on a baseball?From there, the seed of an idea began and became an outlet for Sosnak to maintain his passion and connection to baseball in a way that he had never envisioned.Demand soon followed — from politicians to U.S. presidents to baseball players and fans to foreign dignitaries, sportswriters, churches, and charities. On occasion, Sosnak would be paid for his work; oftentimes, he would give the baseball to the player, person, or organization as a gift.Over time, as with any artist, Sosnak’s technique developed to the point that baseballs became murals for his work. Using India ink, Sosnak would meticulously and elaborately cover the ball with microscopic text and colorful backgrounds. Many times, he would include logos from a certain team, using arcane material that he researched, commemorating everything from a player’s stats to the night of Aug. 6, 1967 when Dean Chance of the Minnesota Twins pitched a perfect no-hitter against the Red Sox for five innings before the game was called because of rain. Collectors Abound Before his death in 1992, auction houses believe Sosnak created somewhere between 800 and 3,000 baseballs. As for worth, prices started creeping up posthumously as more people realized the individuality of his work. In 2009, the market was anywhere from $500 to several thousand dollars for a ball.For fans who may not be able to afford a Sosnak baseball but would love to see his work, the Chrysler Museum of Art in Norfolk, VA., is exhibiting his baseballs until Aug. 27. Admission is free."His work combines the whimsical, artistic expression with endless statistics and game descriptions, that are so beloved by baseball fans," says Susan Leidy, deputy director of the museum."Even if you’re not a folk art fan, it’s fun to see every possible detail about someone’s career [because] everything is on these balls in the tiniest possible writing."For more information, visit www.chrysler.org.

A Moment That Matters: Take Time for Tire Safety

(NewsUSA)

– Working batteries in smoke alarms? Check. Fresh oil in your car? Check. New water filter for your fridge? Check. But how many people think about regularly checking their tires? As fall travel and winter weather loom on the horizon, taking a moment to check your car tires can make a difference in keeping you safe on the road.This year, Cooper Tires is encouraging drivers to mark Labor Day weekend (and the first of every month) as a tire check safety moment, to make a habit of checking tires, especially as seasons change."Just as we regularly take a moment to check our smoke detector batteries when we change our clocks in the fall and spring, we need to designate a moment to check tire safety as well," says Jessica Egerton, Director of Brand Development at Cooper Tire & Rubber Company.Checking the overall condition of your tires is easy and important for your safety on the road. Your tires are the only parts of your vehicle to come into contact with, and keep you connected to, the road.The recommended tread depth is more than 2/32 of an inch deep. Do your tires meet this minimum, or are they too worn? Would you know if they are? An easy and quick way to tell is to stick a penny into the tread with Lincoln’s head facing down. If the tread covers the top of his head, you’re good to go. If not, time to replace the tire.Ensuring your tires have the recommended tread depth can help in a variety of ways, including maintaining traction on the road, keeping control of the car, and preventing hydroplaning or sliding.Don’t be under-pressured, either.Tires not inflated to the recommended level of pressure can lead to tire failure, uneven wear and cause your car to use more gas.Try this 10-minute safety check from Cooper Tires:* Check the tread. Use the U.S. penny/Lincoln’s head method. Insert the penny into the tire tread, with Lincoln’s head down and facing you. If the top of his head is visible at any point around the tire, there is too little tread, and it’s time to replace the tire!* Check the pressure. Look on the vehicle doorjamb, glove compartment, fuel door or owner’s manual to find the recommended pressure for your tires. Press a tire gauge on the valve stem. Too low? Add air. Too high? Push down on the metal stem in the center of the valve to release some air. When you reach the recommended pressure, replace that valve cap. Also, don’t check pressure right after driving. Wait at least three hours until the tires are cool.* Check your look. Inspect your tires for cuts, bulges, cracks, splits or punctures. When in doubt, ask a tire professional for an inspection.Visit coopertires.com for more information about tire safety and more details on how to take make your tire safety check moment a regular habit.

Pop Quiz

Pop Quiz: Name the Six Types of K-12 Schools

(NewsUSA)

– Six is a memorable number – It’s the number of players on a volleyball team, geese a-laying in “The 12 Days of Christmas,” and characters in Friends. There are also six main types of K-12 learning environments families can choose from. As we gear up for National School Choice Week (Jan. 26 – Feb. 1), can you name all six types of schools?
You’d almost certainly identify traditional public school, the most common K-12 education choice. More than 85 percent of students attend traditional public schools, which are free to attend. In some states, you can choose traditional public schools outside of your zone or even your district.
Public charter schools are also available to an increasing number of students across the U.S. Available in more than 40 states, these tuition-free public schools are unique because they have extra freedom to innovate.
Have you heard of a public magnet school? These public, district-run schools teach all subjects through the lenses of a particular track or “magnet.” For example, the magnet could be health sciences or performance arts.
You’ve also likely heard of private schools, which charge tuition and offer learning environments that may pass on a particular faith tradition or provide a unique curriculum or focus. There are more scholarship options for private education today than ever before.
There are also full-time, tuition-free online schools in many states. These flexible, technology-based schools offer a blend of online coursework and in-person activities.
Finally, don’t forget homeschooling. Families who choose to educate their children in the home can access a broad variety of in-person and web-based resources to support them in their work.
Of course, there aren’t just six options. Each type of learning environment overflows with customizable options: No two public schools are exactly alike, just as no two families homeschool quite the same way.
Having these choices makes a world of difference to families, allowing them to look for a school that matches their child’s unique interests and skills. During National School Choice Week, we invite families across the country to discover their options – and find learning environments where their children will thrive. You can learn more at schoolchoiceweek.com/mystate/.
Andrew Campanella is president of National School Choice Week and the author of The School Choice Roadmap: 7 Steps to Finding the Right School for Your Child.

How to Benefit From The Competition for Your Money

In the latest sign that the competition for your money is as hot as Texas in August, Fidelity Investments says that customers who open individual brokerage and retirement accounts will now automatically have their uninvested cash directed into a higher yielding money market fund. The move will especially benefit those who leave substantial amounts uninvested for a long time.
That goes against the typical industry practice of sweeping the money, by default, into a low-yielding account at what’s typically an affiliated bank.
“Some firms have removed the option of securing a higher yielding money market fund as an option for their cash, thereby forcing investors to take additional steps to get a better rate,” says Kathleen Murphy, president of Fidelity Investments’ personal investing business. “Unfortunately, that means millions of people don’t get the opportunity to have that money earn more for them.”
So exactly how much, in actual dollars, do you stand to benefit from the new policy?
If, for example, you’re opening an account with $10,000. If you’re like many investors, research shows that not only will you not focus on the rate paid on that cash deposit – typically called the bank cash sweep – but there’s a good chance of the following scenario playing out:
• You keep waiting for the so-called “perfect time” to actually invest the money.
• Meanwhile, while you’re waiting, life gets in the way and you’re too busy to even park the cash in a higher-yielding alternative to the sweep.
And so the cash just sits there.
And sits there.
The annual yield on that $10,000, when defaulted into a cash sweep, is a mere 0.03 percent at E-Trade, 0.04 percent at TD Ameritrade, and 0.18 percent at Charles Schwab, to cite three prominent examples as of August 11.
That works out, respectively, to $3, $4 and $18.
By comparison, with Fidelity now automatically directing the cash into its Fidelity Government Money Market Fund (SPAXX), you could earn $183 annually thanks to its much higher 1.83 percent seven-day yield, as of August 11.
The difference is even starker the more cash you’re sitting on.
Have $50,000? That works out to $915 annually vs. a cash sweep of as little as $15.
Double that to $100,000, and we’re talking $1,830 annually compared to a cash sweep of as little as $30.
There’s nothing exotic about money market funds. Though they’re not FDIC-insured as bank sweeps are, they’ve been around since the 1970s and are simply mutual funds that invest in short-term debt securities carrying low credit risk. Their underlying securities are issued by government entities or companies that borrow money and repay the principal and interest to investors within a short period of time.
The move is just the latest value enhancement by Fidelity, the nation’s largest retirement and brokerage firm with nearly $8 trillion in client assets. Last year it introduced four new U.S. and global index funds with zero expense fees, eliminated minimum amounts required to invest in any Fidelity mutual fund and 529 College Savings Plan, and did away with individual investors’ charges for things such as domestic bank wires and check-stop payments.
“We’re once again rewriting the rules of investing,” says Murphy.

New Research Shows Big Opportunities for Small Businesses

(NewsUSA)

– Today’s technology has changed the shopping experience. While many of us still enjoy trying on clothes at our favorite department store, we also relish the ability to buy specific and unique items through an e-commerce app, or research product details via our smartphone.The changing nature of retail has opened tremendous opportunities for small businesses in the past decade. According to new research, "Charting the Growth Journey: From Product to Profitable Business" from GS1 US, a not-for-profit product identification and standards organization, the most successful small businesses are those that develop diverse strategies for growth. Specifically, small brands that demonstrate a solid understanding of retailer requirements and seek the expert advice and services of external partners are better equipped to take advantage of today’s "always open" shopping environment.There are three ways small brands are finding growth opportunities in today’s rapidly-evolving retail landscape: They focus on their product, build a complete channel strategy, and partner with professionals to accelerate success.Focusing on the product Small business owners are often driven by a passion for bringing their unique product to market. According to the study, 61 percent of respondents cite customer demand for personalized services and products as a top trend. Almost as many (58 percent) anticipate that changing customer habits – such as where they make purchases (online or in-store) – will impact their brand’s growth."Building the story, the brand, and trust, is critical. Otherwise, it’s a race to the bottom on cost," says Steve Lange, co-founder of It’s All Good, a line of clean personal care products.Focusing on customers and their needs is important, but finding the right balance and managing diverse business challenges such as lack of time and resources, are major concerns for many of the brands that participated in the study.Building a complete channel strategy Small businesses must look beyond the immediate pressures of starting a business to position themselves with the right retail channels for their products. These can include online marketplaces, national retailers, local retailers, kiosks, craft fairs, or their own stores or websites. High-growth leaders (respondents who experienced 25 percent or more growth in the past year) know the importance of channel mix and leverage an average of 3.1 channels to sell their products, while laggards (those with revenue declines in the past 12 months) report using just 1.3 channels.Proving credibility to retailers is also a major hurdle for small brands. The study found that 59 percent of leaders see a direct correlation between providing complete product information (such as images, product origins, and more) in their online listings with the number of products sold. Additionally, 57 percent of these same growth leaders indicated that using UPCs in their product listings helps customers more easily find their products online."Incomplete product information and UPCs show a lack of experience to potential retail partners. It’s important to understand that you need consistency from retailer to retailer," says Erik Elfstrum, founder and CEO, pureLYFT, an all-natural caffeine alternative beverage.Partnering with professionals Seeking outside business support was also identified as an important growth factor among small brands. Such partnerships help them build a more sustainable business model and offer opportunities for expansion. The study found that more than half (55 percent) of high-growth leaders agree that partnering with a retail broker or consultant has been critical to growing the business. Specifically, 83 percent of small brands that leverage online marketplaces and national retailers say partners (such as barcode services, software providers, business consultants and more) improve their understanding of product information and its impact on their business.For help finding the right partners to support growth, many small businesses have found credible options through the GS1 US Solution Partner Program, a network of certified solution providers that provide guidance and a range of services to support retailer requirements.More information can be found at www.gs1us.org/what-we-do/partners.Ultimately, it’s a new world for shoppers and businesses alike. The research shows that maintaining a holistic view of the opportunities available to small businesses is a major contributor to long-term growth. To learn more and for the full research report, visit www.gs1us.org/small-business.

5 Mistakes to Avoid When Choosing a Medicare Advantage Plan

(NewsUSA)

– The Medicare Annual Election Period takes place this fall from Oct. 15 through Dec. 7. It’s a time for people with Medicare to make important decisions about their health care.There are many factors, in addition to premiums and medical provider networks, to consider when researching the Medicare plan that best meets your health and budget needs for 2018. Knowing the benefits offered by Medicare Advantage plans and Medicare Prescription Drug Plans — both offer enhancements to Original Medicare — will also be key in your decision making.Here are five common hiccups Medicare beneficiaries may experience when considering their options:* Your monthly payments are not the only thing to consider. After you analyze your previous year’s plan and assess the most affordable option for the coming year, including extra costs that can be incurred down the road, consider the total value of the Medicare plan you select.* Your drug coverage is not the same everywhere. Drug prices can vary depending on your location, pharmacy and how much you’ve used your prescription benefits. Make a list of your medications and consider prescription drug plan options that include mail-order.* Your plan is not just for medical visits or emergencies. People living with a chronic condition may want to look for plans offering personalized care, such as health coaching. Many Medicare Advantage programs also offer benefits, such as fitness programs, for maintaining healthy, active lifestyles.* You may not need the same plan as your spouse/significant other. It’s important for spouses to sit down and assess your health needs, and doctors and hospitals. This ensures your Medicare plan makes sense for your health, budget and lifestyle.* You’re not on your own in making this decision. Utilize free resources, such as licensed Medicare health insurance agents, Medicare.gov or go to Humana.com/Medicare, to help identify the best plan for you.You can also call 1-800-MEDICARE (1-800-633-4227) or TTY: 1-877-486-2048 24 hours a day, seven days a week for 2018 Medicare plan information. Or you can call Humana at 1-888-204-4062 (TTY users can use 711).Understanding the resources and tools at your disposal will allow you to take "advantage" of all the benefits Medicare plans have to offer in 2018.Humana is a Medicare Advantage [HMO, PPO and PFFS] organization and a stand-alone prescription drug plan with a Medicare contract. Enrollment in any Humana plan depends on contract renewal.ACCEPTED: Y0040_GHHK3KFEN

A Childhood Cancer Survivor’s Map to Health Insurance

(NewsUSA) – There are approximately 50 million uninsured people in the U.S. Of those uninsured, young adults are among the highest groups without health insurance. For childhood cancer survivors, however, going without health insurance is not an option.
“As a cancer survivor, you will need health insurance more than ever,” says Pam Gabris, Beyond the Cure Coordinator. “If you don’t have a lapse in coverage, an insurer cannot deny coverage for your illness or related health problems. It’s critical that you fully understand your rights and responsibilities under your health insurance plan to ensure continuous, dependable coverage.”
Currently, the Affordable Care Act passed in 2010 allows young adults to be insured as dependents on their parents’ health insurance if they are under the age of 26. But if that isn’t an option, there are other insurance opportunities:
Employer-Provided Insurance. Typically, health insurance offered by employers is a form of managed care. The most common types of managed care are Preferred Provider Organizations (PPO), Point of Service Plans (POS), Health Maintenance Organizations (HMO) and Health Savings Account (HSA). For questions about which type of policy you are covered under, talk to your human resources manager.
Group Insurance. If you are self-employed, or if your company doesn’t provide coverage, group health care policies are sometimes offered through organizations such as labor unions, fraternal and business organizations, student associations or other special-interest groups. Be sure to check with your state’s insurance office to avoid fraudulent providers.
State and Federal Programs. Check to see if you qualify for state or federal health insurance through Medicaid or State Children’s Health Insurance Programs (S-CHIP). As of 2010, pre-existing insurance is available in all states according to the Affordable Care Act.
Drug Coverage Programs. Programs like the Medicare Prescription Drug Discount Card and the Together Rx Access Card offer relief to prescription drug prices. The National Children’s Cancer Society (NCCS) also offers a free prescription drug card that provides significant savings on generic and branded drugs. Visit theNCCS.agelity.com to locate participating pharmacies and print a card.
Individual Policies. Purchasing individual policies can be very expensive, so make sure you exhaust other options first. To get the most of your plan, talk to an insurance broker or contact the National Association of Insurance Commissioners.
Visit beyondthecure.org to learn more.

Permanent Life Insurance

Permanent Life Insurance Has Real Benefits

(NewsUSA) – When you are young, you are offered perfectly sound advice on a wide variety of topics, which you often ignore. One piece of advice that shouldn’t be ignored is the suggestion to consider purchasing a permanent life insurance policy early in your working life, while you’re young and healthy.
Too many young Americans see life insurance as a death benefit only, and fail to consider the advantages and complete value that it can provide. Permanent life insurance provides valuable death benefit protection but also builds cash value that policyholders can use to pay for college, make a down payment on a home or serve as an important source of income for any other purpose throughout their life.
The difference in benefits when purchasing a permanent life insurance policy at 25, versus age 40, is eye-opening.
A 25-year-old female paying a little more than $180 per month in a Flexible Choice Whole Life insurance policy will build more than $29,000 in guaranteed cash value by age 40, and by age 65, the guaranteed cash value would grow to $120,600, with a guaranteed death benefit of $300,000.
If this female were to wait until age 40 to make the same monthly payment in a Flexible Choice Whole Life policy, she would have just over $53,000 in guaranteed cash value at age 65, with a death benefit of $161,000. (Nearly half of the amount that could be available if she were to make the purchase at age 25.)
A financial professional will tailor a plan to fit your own financial goals, and demonstrate how permanent life insurance fits within a sound financial plan.
To learn more about the real benefits of a financial plan that includes permanent life insurance, and the advantages to starting today, visit www.Pennmutual.com.
1 Accessing cash values may result in surrender fees and charges, may require additional premium payments to maintain coverage, and will reduce the death benefit and policy values.
2 Assumptions: 25-year-old female, preferred plus non-tobacco, $183 monthly premium, $300,000 death benefit.
3 Assumptions: 40-year-old female, preferred plus non-tobacco, $183 monthly premium, $161,503 death benefit. Assumes only a minor decline in health rating. Additional change in health would result in higher premium or inability to obtain coverage.