Finance: August 2012

The 25 Best Financial Blogs

From Paul Krugman to Freakonomics to the Consumerist, we compiled a list of the most influential (and useful) finance blogs out there and then asked some of the best-known bloggers to review one another's work

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puja negi
pgdm 2nd year

The 25 Best Financial Blogs

The thinking man's finance blog it is not. But if you are looking for all manner of business and economic news, as well as Wall Street gossip and what's hot on the Web, Business Insider is the best place to go. Unfortunately, more and more of the content on the blog is basically plucked from elsewhere without a lot of original analysis or reporting. But Business Insider, which is headed by former Wall Street analyst Henry Blodget, does a good job of picking its stories. A recent photo gallery of what hotels look like in brochures versus what they look like in person was a lot of fun. And when Blodget does write, it is usually worth the click. A recent story on why an analyst was fired from Merrill Lynch — a subject Blodget knows a lot about — for writing negative reports about Irish banks was a very good read. Along with Blodget the site has a reliable market commentator in Joe Weisenthal, though the length of his articles, like those on the rest of the site, seems to have dramatically shrunk. Add that up along with a usually insightful daily chart, and Business Insider is well worth the regular visit.

nitesh kumar
pgdm 2nd year

Types of Life Insurance Policies

Life insurance is one of the best ways of investment. When you opt for a life insurance policy, you can put your hard earned money to good use. Not only that, you will receive monetary assistance from the policy at your time of need. If you are looking for an insurance policy, the first thing that you should find out is the type of the insurance polices. There are various types of life insurance policies available in the market. Having a clear idea about the right type will help you to choose the most suitable one for yourself.

All policies can be divided into two main categories and they are: Term life insurance and Permanent life insurance. These two types of insurances can be divided into a few subtypes separately.

Term Life Insurance
It is the life insurance policy that provides life coverage for a certain period of time. Though there isn’t any clear division of this insurance, you can create a division depending on three key factors regarding the term life insurance. These three factors are,

Face value
The premium you need to pay
The time period of the insurance

Permanent Life Insurance
From the name, it is completely clear that this type of life insurance is for a long time. If you approach the name from its actual meaning, then the technicalities may baffle you a little. Basically these life insurances continue until the policy gets older or the owner fails to pay for the premium. There are four types of permanent life insurance policies available in the market. They are:

Whole life coverage
Universal life coverage
Limited pay
Endowments

Here is a short description of these different types of policies.

Whole life coverage is the insurance policy which will provide lifetime death benefits coverage for a certain amount of premium. This rate of premium is quite higher than the other types of life insurance policies.
Universal life coverage is another type of whole life coverage. It combines the facilities of the lifetime insurances with the flexibility of the premium rates and more value for the money you are investing in.
In limited pay life insurance policy, the owner has to pay the premiums for a certain period and there is no additional premium after that.
Endowment policy is the insurance where the cumulative amount of the policy ends for the death benefit at a certain age.

These are all some common types of life insurance policies. Buy the one that suits you and your family and reap the benefits.
priyanka kumara
pgdm 2nd year.

Wednesday, August 29, 2012

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