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Life and Life Insurance
- Clare Freeman
- 3 years ago
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1 Life and Life Insurance Life insurance is aptly named. It is designed for the living. It benefits the living. Canadian life insurance companies consistently pay more money each year to living policyowners than to the estates or beneficiaries of those who die. For the Living Death claims are exclusively for the living. The benefit may be direct where there is a named beneficiary, or indirect where funds are paid to the estate or to assignees to cover debts. The beneficiaries may be family, business associates, employer corporations or charitable organizations. The money they receive helps living people. Essential Life insurance is a vital necessity. It meets life at the level of hard inescapable realities. It deals with death and aging, saving and borrowing, taxes and inflation, and with money management, the whole struggle to spend less than we earn. Most important, it deals with our interdependence, the reality of our need for each other in our families and in our businesses. Life insurance deals with our dreams and worries, our hopes and fears. In a world, without life insurance, tomorrow would be uncertain for everyone. Modern Life insurance in its present versatile form is a product of today's world. In North America the industry began in the late 18th century, but it has grown to the first rank among financial institutions only in the 20th century. The need for life insurance has increased greatly with the development of the modem and mobile family unit. The younger family often is isolated from parents, brothers, sisters and others who, in earlier days, could lend financial support when death or disability struck suddenly. Retiring couples typically face their old age more alone, their children have gone to form their own families. Government benefits have moved in to guarantee survival, but life insurance is needed more than ever to assure dignity and self-respect. In our modem economy credit is king, and the principle of living out of income - next year's as well as this - is firmly established. Life insurance helps support the tremendous burden of personal and business indebtedness, which otherwise would pose a dangerous threat to the financial stability of many families and businesses. In the few minutes it takes to fill out and sign applications and complete the medical information, life insurance can create contracts immediately binding - at least upon the insurance company - for long periods of time and for amounts of money as large as many people can earn in a lifetime. Well Established Life insurance is substantial and secure. In 1985 life insurance companies in Canada held assets of about $80.3 billion. Within ten years, to the end of 1995, those already impressive figures had grown to approximately $183.5 billions. By any standard, that is big business and rapid growth.
2 Popular Life insurance is popular. Four out of five families own life insurance, two out of three people are insured. In a recent study of consumer attitudes, more than 63% of those interviewed regarded life insurance as a necessity, and more than 78% thought it was the best protection against premature death. Communication A Problem Despite its popularity, the life insurance business is not free from problems. The study we've mentioned also revealed that "for most people the entire act of purchasing life insurance was fraught with anxiety: people are not confident about their ability to comprehend the pros and cons of alternative plans; they are unsure of how much influence the commission has on the agent's recommendations; they are unsure about what amount of coverage is adequate or desirable; they feel locked in to their policy choice once it is made; they have a suspicion of the 'fine print' in their life insurance contract; and their most basic anxieties are aroused by the subject of death and the need to provide for others in the event of death." This suggests a great deal about what agents could be doing better. It suggests a lot about simplicity of presentation and illustration, selling needs and not just policies, explaining the advantages of the life insurance policy both before the sale and at policy delivery, talking of death with sensitivity and tact as well as candour. It says more about communication than about life insurance itself. True, the "fine print" is in the policy, but who should be better equipped than the agent to explain that "fine print", to breathe life into legal terminology, turn non-forfeiture options into choice and flexibility and control, and settlement options into self-respect and peace of mind. Policy simplification, involving, wherever possible, the use of lay language rather than legal phraseology, is a high priority with most companies. The industry continues to make great strides in the area of product innovation. Variable annuities, variable life, adjustable life, non-smokers' premiums, universal life and term to age all reveal sensitivity to an evolving society and economy, and to a rapidly changing marketplace. Despite these changes, the basic challenge of communicating effectively with our prospects remains. We must learn to talk their language, not ours, identifying our products with their needs, relating the features of our policies to benefits that will help them achieve their goals. If we are to continue to grow, we will have to show our prospects and clients very clearly how our products and services can increase their happiness, satisfaction and peace of mind in words they can understand, images they can see, and in terms of goals about which they can get excited. It is not within the scope of this course to discuss all the communication problems of our business. We can, however, look at a few.
3 The Sunset Years Obsession Most people under 40 find it difficult to get excited about their retirement years. Yet we often talk so much about "life after retirement age," overlooking the fact that our prospect is far more interested in the intervening years. Why not talk to our prospect in terms of planning today for family security and peace of mind for all the todays that are left to live? Why not show what life insurance can do at age 30, 35 or 45 as well as at retirement age? Show how our products can help buy that country retreat sooner, get into one's own business faster, or perhaps retire earlier? Poverty Prevention? It's been claimed in the past that "life insurance will not make you rich, but it will prevent your ever being poor." To Canadians of this generation, who take prosperity for granted, assume success as their birthright, and can't or won't visualize poverty, this will not be good enough. Shouldn't we be talking about systematic financial planning through properly selected life insurance and other products as an antidote to the anxiety bred by endless instalment payments, and the frustration of lost financial opportunities? Talk about life insurance not just as a defence against failing, but as an effective weapon in a person's battle for success? Why not portray it as the source of estate liquidity that success itself will necessitate? Portray it as the solid basis which will permit its owner to be all the more aggressive in the pursuit of business and investment success? Why Exaggerate? More harm than good is done to our industry by those agents, who are fortunately in the minority, who tend to lavish one grandiose adjective on top of another when describing their company's policies. Even some forms of permanent insurance have been portrayed on occasion as a "terrific investment", in apparent reference to the cash surrender values. Agents, and their prospects, should clearly understand those values are the policy reserves built up within the contract to supplement what, at the later ages, is an inadequate premium for the policy's face value. It is this policy reserve that enables permanent insurance to pay off in full, regardless of the life insured's age at death. Selling permanent cash value insurance as an investment would not be unlike recommending an annuity for its life protection values. Let's become less dramatic and more correct and specific when describing our products. Versatility Financial planning and investment are usually tied in with long-term objectives, covering periods through which considerable changes in situation and lifestyle can be expected. Should we not give greater emphasis to the extraordinary flexibility that can be built into a life insurance and retirement program? Would it not be more effective to say that life insurance is a uniquely versatile financial instrument, relatively easy to acquire and maintain and which can be adapted to suit changed circumstances in the future? Would it not be more correct and credible if, when discussing the need to provide for future retirement income and other financial goals, we confine our recommendations to the most appropriate contracts: those which are designed for retirement and sufficiently versatile to adapt to future changed needs.
4 Us and Them There is the old argument whether it is more intelligent to buy term insurance with a relatively small initial premium outlay or permanent insurance with a higher initial premium outlay. In practically no other area is there such a frustrating gap between the reality of the situation (at least as we perceive it) and what our prospects perceive as reality. Let us re-examine the problem as a study in communications. Before we do, however, let us establish a few ground rules. A new age has dawned in the life insurance business - the age of investment type products, an extraordinarily wide product range, volatile interest rates and of balanced financial planning. In the past when we argued permanent versus term or guarantees versus equities, we were arguing "us" versus "them". This need no longer be true. Now we can avoid all arguments and engage in constructive discussion of "us" plus "them"; in other words, what particular combination of our life and disability income products, what mix of our guarantees and our equities best suits the prospect's needs. Let's assume we have available both long and short-term guarantees and equities and that we are going to get the entire sale, regardless of what the prospect may decide. Hopefully, this approach will allow us to examine the whole question more objectively. The Contract All life insurance policies are contracts binding in law. Usually there are two parties to the contract, the insurance company and the life insured who is also owner of the policy. Where one person wishes to arrange life insurance on another person's life, we have a third party, the owner-applicant as well as the life insured and the insurance company. Partnership insurance, where one partner insures the life of the other, key person insurance, where a corporation insures one of its key employees, juvenile insurance, where a parent insures a child - all are examples of third party arrangements. It is worth noting that the contract is unilateral. Once the contract is in force, only the insured can terminate it - prior to any expiry or maturity date written into the policy. Permanent cash value insurance - whole life, or some modification of it, has no expiry date. (Endowment contracts have an expiry date which is also the maturity date.) With permanent insurance there is the absolute assurance that a claim must be paid at some time. The question is "when," not "if'. Term insurance by definition has an expiry date, beyond which the contract cannot be extended -unless it is converted. Any convertible term policy is potentially permanent, but the longer conversion is delayed, the more costly the premium may be. The Need For Both A keen advocate of term insurance may argue that term alone is adequate, providing it is renewable and convertible. Eventually, the term enthusiast will say, people outlive their needs for life insurance. Children grow up and are no longer dependants, mortgages are paid off, group and personally owned pension plans mature and, of course, investment portfolios have grown to the point where they represent estates of impressive proportions, well able to provide essential liquidity.
5 By way of counterbalance, here are reasons why permanent insurance makes good financial sense for many people. 1. Cash, usually in large amounts, is needed whenever death occurs. Some examples are: terminal illness and funeral bills, unpaid taxes including particularly the income tax on capital gains, probate, legal and executor/executrix fees and debt repayment. 2. Just as continuing inflationary trends increase the costs of dying with each passing year, so does the cost of providing for dependants. Even if children have become self-supporting, the widowed spouse who has not been employed outside the home is at an age where remarriage becomes unlikely and employment improbable. Whatever income earnings skills this person once possessed will have rusted or become useless because of new procedures and technology. Even if she or he could anticipate being self-supporting, that should be a matter of choice rather than necessity. 3. If investments have to be sold to raise the cash for items 1 and 2 above, executors/executrixes often have to accept sacrifice prices. This is especially true of a business interest and real estate holdings, depending on the urgency of the sale and prevailing market conditions. 4. Cash from other sources form part of a decedent's estate for probate and administration purposes. They are therefore subject both to the delays of passing of an estate and to legal and probate fees. Life insurance payable to a named beneficiary bypasses this estate-probate bottleneck as well as being protected from the claims of creditors. Its value is not included in determining probate costs, and proceeds can be paid immediately in useful amounts, even without releases from tax authorities. 5. Without continued life insurance after retirement, the pensioner would probably feel compelled to elect the joint and last survivor annuity option to protect the surviving spouse. Assuming both are in normal health and the male two or three years the senior, then he is likely to be outlived by seven or eight years, during which time continued income will be needed. The joint life option may help solve the problem but it creates another by reducing the potential income by, usually, about 15-20%. With an adequate amount of insurance still in force, ideally on a paid-up basis, the annuitant can better afford to take the maximum or near-maximum retirement income, knowing the insurance proceeds will replace that income should the annuitant die too soon. 6. The future costs and benefits of permanent insurance are known in advance whereas with term insurance (other than term to age 100) these factors may be unknown quantities. 7. Term insurance to age 100 is another form of permanent insurance. However, this plan of insurance may or may not have cash values, non-forfeiture values such as reduced paidup insurance and automatic premium loan, etc.. Term to 100 is normally non-participating and with level, step premiums, or interest rate sensitive premiums being payable to the insured's age 100. It is obvious to most unbiased, rational thinkers that people generally have a mixture of insurance needs -some of a permanent nature and some more limited or temporary. To attempt to solve those varying needs with a single type of life protection is unintelligent. It is similarly somewhat illogical to say that the one type is good and the other is bad. However, it is agreed that one kind can be less appropriate to covering a specific need. You have the responsibility of recommending policies that will best meet the need or solve the problem. Most of your proposals will be for a balance of both. It is not perm VERSUS term it-is perm AND term, and you, as a trained financial advisor, who has the ability to provide the essential balance between the two.
6 The Promise All life insurance contracts promise to pay to the beneficiary the face value of the policy immediately upon due proof of death. This is surely the miracle of life insurance. New value is generated - a relatively small monthly premium can create an estate - by the stroke of a pen. Life insurance is time insurance. Financial success requires talent, experience, knowledge, hard work - and time. Life insurance can replace time by creating capital immediately to replace the income a person could have earned - in time. The promises of life insurance are impressive in their simplicity and directness. Implicit in them, however, is a potentially serious problem - "If I can just wait until I die I know a claim will be paid. But what happens if I want to or have to stop paying premiums before I die and before the maturity date? Can I salvage any value for my premium dollars?" The answer is "no" and "yes". It is "no" for most forms of term insurance because they are essentially pay as you go propositions. The premiums are just sufficient to pay administrative expenses and the anticipated cost of mortality claims. For one year renewable term insurance providing a level amount of coverage, the premium increases every year. For five year renewable term the premium increases every five years. In reducing term insurance, the premium remains level, but the unit cost of the insurance increases as the same premium buys successively smaller amounts of coverage each year. Because the premium is just sufficient to cover expenses and mortality no reserve large enough to create non-forfeiture values usually develops. Which brings us to the essential difference between most term insurance and permanent insurance. Term's Unique Values Term insurance is highly valuable and totally appropriate where needs are temporary; for example, the need to insure partners in a joint business venture of a definitely limited duration; or to cover the outstanding balance of a debt, perhaps a mortgage, perhaps a loan from a friend or family member. Term insurance is also a useful expedient when problems are permanent but where the insured s capacity to pay premiums is limited; for example a medical student, married and with a family, the proprietor of a new business who has invested all available resources in the development of, business. Subject to certain conditions, premiums for the net cost of pure term insurance, required by a lender as collateral on the life of a business owner to insure the amount of a loan, are deductible from the taxable income of the business. Life Insurance Defined The late Ben Feldman of New York Life said: "The basic purpose of life insurance is to create cash... nothing more... and nothing less. Everything else confuses and complicates. "Insurance is the only tool that take pennies and guarantees dollars. "Life insurance is time. The time a man might not have. If he needs time, he needs life insurance."
7 The Essential Difference This is not a course in actuarial science. It is for sales people, not mathematicians. Therefore, it is enough to state here that policy reserves of permanent insurance are a mathematical means to an end. They develop where ultimate policy commitments require their creation. Total Flexibility The non-forfeiture options are available as alternatives to forfeiting all rights under a contract of life insurance. The basic option is for the policy owner to surrender all rights under the policy for cash; the other options derive from it. They are: 1. Reduced paid-up insurance. The cash surrender value is used as a single premium payment on a permanent cash value policy with the face amount reduced below the face amount of the original policy. The amount of reduced paid-up insurance will vary with the amount of the cash surrender value and the age of the insured at the time the option is elected. 2. Extended Term Insurance. The cash surrender value is used as a single premium payment, in this case on a term insurance policy for an amount equal to the original face amount of the policy, but for a limited period of time. Duration of the term insurance will vary with the amount of the cash surrender value and the age of the insured at the time the option is elected. 3. Premium Loan. This option combines use of the cash surrender value and the cash loan privilege in the contract. It is the usual automatic non-forfeiture option. Premiums are automatically borrowed from the insurance company on the security of the cash reserve. The policy remains fully in force (including all additional benefits and riders - an important advantage over extended term insurance) subject to a lien against the death benefit or cash surrender value, equal to the amount of the premiums borrowed plus interest on them. The non-forfeiture options allow great flexibility in responding to changed circumstances. Adversity may dictate use of the premium loan privilege; reduction of need for insurance may indicate the paid-up provision. Investment or business opportunities requiring cash investment may suggest surrender, or better still, use of the cash loan privilege to borrow an amount equal to the cash surrender value while keeping the policy in force. Painless Refinancing To appreciate better the property aspects of permanent life insurance, let us compare ownership of life insurance to ownership of a home. There is an immediate and vital difference between buying a home and buying a life insurance policy. It's called a down payment. Need we say more? A second point is worth noting. People buying a home tend to think of its cost as the nominal purchase price of the home; what it would have cost if they had paid all cash. They ignore the tremendous amount of money that interest on their mortgage, or mortgages, contributes to the ultimate cost of the home. On the other hand, people instinctively calculate the cost of life insurance in terms of the total payments. Why? Well, it's our fault, isn't it? When was the last time you quoted a single premium, just to show your prospect the true cost of the life insurance, as opposed to the carrying charge levied for the privilege of paying in annual instalments?
8 Let's carry the comparison of home purchase and life insurance purchase a step further by comparing the non-forfeiture options in the life insurance contract to methods of refinancing purchase of a home. 1. Cash Surrender of a life insurance policy is the equivalent of the sale of a home. When you decide to "sell" your life insurance you are guaranteed a buyer (the insurance company), a fixed minimum price (the cash surrender value -plus the accumulated dividends, if there are any), and there are no selling expenses to pay. This is not to say that residential real estate is a bad investment. Indeed, for thousands of Canadians it has proved a superb investment. Yet it remains an equity investment where sale price is always determined by current market conditions, not by contractual guarantees. 2. Paid-Up Insurance. Imagine this conversation: "Hello, A Developer, it's J. Homeowner. Do you have a minute? Fine... Look, I called about my daughter's wedding last week. You see, she's the last of the children to go out on her own, and we don't need nearly the room we did when we bought the house. So I've decided to stop making the mortgage payment and send you the deed to the property. You just arrange to find me a smaller house that we can buy free and clear with the equity we have built up in this one. Okay? Wonderful! Bye!" Wonderful! Yes! Impossible? Absolutely! But isn't that, in effect, what the paid-up option allows us to do? - Stop paying premiums for all time on a policy and trade it in, expense free, for a smaller one fully paid for? 3. Extended Term Insurance. "Hello, M. Developer, it's J. Homeowner again. My spouse and I have been talking this matter over. We know the house is too big for us, but we've invested a great deal in it, and we think it will be a good place to entertain our grandchildren. We'd still like to stop making those mortgage payments and, if I read our Mortgage Agreement correctly, it states very clearly that we can discontinue mortgage payments any time we wish and still remain in the house, using the equity we've already built up to pay rent for the house as long as the money lasts. I am sure there are a few details to take care of, M. Developer, but I know your office can prepare the necessary documents. Thanks a lot! 'bye." Ridiculous? Maybe, but isn't that exactly what the extended term option allows us to do? - Quit paying premiums and use our cash surrender value to rent a term policy of equal size for as long a period as it will buy. All this, with no legal or administrative charges. 4 Automatic Premium Loan. "Hello, M. Developer? You guessed it - it's me again. My spouse and I have been reviewing the situation further and neither of us is too happy about renting. Now, if I read this Mortgage Agreement correctly, it says if I ever want to discontinue first mortgage payments, all I have to do is stop paying and your office will automatically, at no expense to me, arrange an open-ended second mortgage account, at a competitive interest rate, from which account you will borrow just enough each month to meet the first mortgage payment. It says too, if I understand it correctly, that I can resume regular payments on the first mortgage any time I want, or make payments intermittently, or just pay off the interest on this second mortgage account or just forget about it altogether - and let you subtract whatever I owe from the repurchase price you have guaranteed me, whenever I want to sell the house outright. "M. Developer, I know what you are thinking - but this is really my final decision. Start one of those open-end second mortgage accounts for me and we can review the situation next year." An incredible dialogue? Certainly - but it should point up a fact we often overlook - that permanent life insurance is not only uniquely flexible but also, in this age of consumerism, it is a totally consumer-oriented product.
9 Dividend Options Participating insurance forms a vital part of our business. Reference should be made, therefore, to the various ways in which dividends, usually credited annually, may be used. Today there are as many as nine different dividend options available. 1. Accumulation - Each dividend is left on deposit to accumulate at interest compounded annually. 2. Premium Reduction -Each dividend is applied toward payment of the next premium due on the policy. 3. Cash - Each dividend is paid in cash to the applicant. 4. Paid-Up Additions - Each dividend is applied to purchase additional participating paid-up insurance for a level amount payable at the same time as the benefit on the basic policy. These additions have cash value and may be surrendered at any time or used to provide non-forfeiture options or cash loans under the normal terms of the contract. 5. Special Term Addition - Under this option, often referred to as "the Fifth Dividend Option", each dividend is applied to purchase an amount of one year term insurance equal to the cash surrender value at the end of the policy year. Dividends in excess of what is required to purchase the term insurance are left to accumulate, used to reduce premium payments or to purchase paid-up additions. This is the option which is often used in Split-Dollar Funding arrangements and in certain business life insurance situations where it is desirable that the death benefit be supplemented by a reimbursement, partly, or in full, of the total of premiums paid. 6. Term Addition - Each dividend is used to purchase a one year term addition payable on the death of the insured. Under this option, the whole dividend is used to create as much additional term insurance as it will buy. 7. Investment Fund - Each dividend is used to purchase units in a segregated fund which is usually oriented strongly toward common stocks. Use of this option allows an insured to combine guarantees and equities automatically under one plan. 8. Enhanced Coverage - Each new cash dividend is used to purchase the required amount of additional insurance called the Enhancement. The Enhancement may include the paid-up additions previously credited, if any, plus the amount of one year term insurance needed to meet the required Enhancement for that year. Any cash dividend in excess of the amount necessary to purchase one year term is used to purchase paid-up additions or is put into an Enhancement Reserve account. 9 Premium Offset or Abridged Premium -This is a method of paying premiums. It is not a dividend option, though it does involve the use of Paid-up Additions. Under this method, future premiums are paid, or "offset" by using current and future dividends and a portion of the previously accumulated Paid-up Additions. After premiums have been paid for a number of years, say about years (depending on age), the current dividend may be used to pay part of the premium. In the case where that dividend is insufficient by itself to cover the whole premium, an amount of the Paidup Additions is surrendered to release the cash values needed to pay the balance.
10 Smoothing Out the Lumps For various reasons, people may wish to receive proceeds of a policy in the form of an income rather than in a lump sum. This can be accomplished through settlement options, both for death benefits to beneficiaries and cash surrender or endowment values to insureds. Settlement Options 1. interest only with the right to withdraw principal at any time. 2. fixed amount of income for as long as it can be paid. 3. fixed period of income for whatever amount can be paid. 4. lifetime income, with or without minimum guaranteed periods of income to survivors of the person originally receiving the income. Through blending of capital and interest, much larger incomes can be generated than through interest only; but with the complete assurance that income will last for the period chosen. 5. joint and last survivor income, where income is guaranteed as long as one or the other of two people (often husband and wife) is still living. Perm plus term & guarantees plus equities = balanced financial planning The life insurance agent should combine the qualities of various products to obtain the best possible financial program for the client. Perm and term have contrasting characteristics but they work well together, just as equity based products can successfully complement the guaranteed values of traditional annuity contracts.
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You can make a difference.
Pride Minot is more than happy to accept anything an individual or business would like to donate. Many things are needed to ensure the success of our organization in this community. Whether it's your money, time, products, or services, we would love to use your gift to better our mission!
At this time, our focus is moving Pride Minot from a social group to non-profit organization. With this new status, we will be able to raise support and sponsor many new, great things here in Minot! However, there are many things constantly in the works and in the final stages of execution. If you think that you have an idea or something to offer for a new program, please let us know! In addition to quarterly open meetings, we can also be contacted via Facebook or e-mail, thus giving everyone a chance to voice support or concern with Pride Minot programs.
One of our many goals is to help foster an environment of growth for other organizations in and around the area. Relationships have been built with the Minot High Gay Straight Alliance and Minot State University's Gay Straight Alliance organizations. We very much look forward to getting to a place where we can help these groups both financially and logistically.
Anything donated to Pride Minot is a gift to the LGBTQA+ community of Minot.
There are two ways that you can help.
Like any other organization, Pride Minot needs funds to help us continue the great work we're doing.
We have some great plans for the future, and thank you for your help in ensuring our growth!
We are in the full swing of preparations for the Minot Pride Festival 2018!
If you would like to donate your time, contact us today. We need many great volunteers to ensure the success of everything we do.

subset: commoncrawl


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For beginners you will want to practice the movement with out the load 1st in order to obtain the appropriate form. move the particular kettlebell using energy thrusts from the hip, thigh, and lower back again muscles. Lean forward in the waist slightly and bend your own knees so regarding go into a semi-squat. This kind of will help generate higher definition of your upper body too as well as improving all round arm along with upper back again strength. Olympic lifts safely having a tiny mastering curve. the wide handle with the bell provides easy gripping, permitting you to definitely make use of a heavier excess weight in order to actually challenge your current lower body. Preserve your current again arched and also head facing forward steadily.
Pick up the kettlebell, holding it inverted by the handles pertaining to much better control. It is much faster to understand one-arm kettlebell snatches compared to barbell snatches and just as potent an exercise.
EXERCISE 3: Upright Rows
Doing upright kettle bell rows is a very simple, yet efficient routine that works the arms, however mostly the particular upper again muscles including the particular deltoids along with trapezium muscles. Since of this tremendous abdominal contraction along with coordinated breathing it provides you the high amount of conditioning specifically for the fighter types.
The kettlebell balances the dependence on intense contraction in which you'll have got along with high-level power perform as well as relaxation in which you have using high-level endurance work. i.e., You Are super tight when you lift a heavy weight, but loose when you are usually doing conditioning. Kettlebell progression can include excess weight progression, yet will be usually depending on progression associated with repetitions in order to any harder exercise. Allow an individual arms hang loosely and also raise the weight together with your hands over your face and inhale. You Are not every that most likely to avoid through burn off in the certain muscle mass group, however, you are generally likely to beg regarding mercy, simply because every muscle within your physique will be screaming as well as your own coronary heart along with lungs.
Ballistic movements or perhaps explosive movements which are applied to numerous kettlebell workout routines will just take your conditioning to some high degree and also are incredibly real-world inside their application. Squeeze your abs throughout the particular exercise.
With the actual kettlebell held by the horns and also slightly away in the chest, inhale along with use your abdominals to be able to slowly manage the reduced the trunk onto the ground. This forces much more abdominal, shoulder, and also bicep activation compared to allowing it to relax from the chest.
EXERCISE 4: Sit Ups
EXERCISE 2: Squats
At the underside in the movement, maintain your abs within as well as the knees behind the actual toes.
The form of your kettlebell lends itself in order to unique workout routines as well as its odd middle involving gravity forces a person to complete much more work, stabilizing and also creating explosive movement with the bell. your entire chest along with head region ought to rotate whilst your current legs stay stationary. potent hip snap on each rep tend to be musts.
The kettlebell permits you to have each muscle mass stimulating power work, explosive speed building perform and also unbelievable endurance function most from exactly the same time. Lower in a controlled method until your anyone return to starting position. The Particular shape furthermore allows you to put it in order to use comfortably within exercises which are almost impossible with various other implements and also to do. The Particular kettlebell alternates durations involving intense contraction and also managed relaxation to give a superior workout that melds straight into each the strength world also because the endurance world.
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Many in the workout routines used in kettlebell coaching are generally effective grip builders. Repeat.
EXERCISE 5: Russian Twists (oblique twist)
Why use kettlebells inside your workout? after personally utilizing kettlebells in my exercises as well as in customers exercises through the particular years I can tell you this. Therefore you could probably get plenty of back again power work without having heavily loading your current spine by simply using the particular kettlebell. That Will implies you?re operating your abs even when you are not working your abs. Virtually just about all sport will be based on fast movement along with fast movement recruits more muscle fibers along with heart along with lung involvement to get a tougher workout.
Sit around the ground with a kettlebell from your own side. Preserve your chest lifted and back straight.
Squeeze your glutes for you to push back up without having locking your knees.
Begin by simply holding your kettlebell by the horns and slightly away from your chest. This kind of variation exhibits the actual move with a kettlebell. Kettlebell swing training additionally teaches your physique the method to bodily absorb impact, as opposed to end up being overwhelmed by it. SO you can be operating on your cardio and creating some muscle mass and at the identical time obtaining great grip work.
. What which means is the extremely fact that when you are generally doing these people your whole body functions together spreading the particular fatigue out over many muscle teams in order that you tend to be able to drive your own conditioning to the absolute highest level. It is a lot simpler on the wrists along with shoulders to rack kettlebell cleans and to maintain for front squats than it is to help make use of the barbell. Hip, back again and thigh muscle mass strength boost the more an individual perform this exercise. When you start using the weight, make sure to go gradually and carry out each move correctly in order to decrease the chance of injury.
Stand with your feet hip width apart holding a kettlebell in the handle using each hands. The idea is definitely one of the really best 10, all-time equipment regarding physical power endurance as well as amazing workouts.
The Russian kettlebell twist is surely an very successful core exercise, specially since it strengthens the obliques, individuals muscles that are in cost of rotational movements. This is something that carries to each your strength as well as endurance globe and is actually also lacked throughout many endurance exercises. A Person just tweak your exercise for the outcome that you want.
Stand with feet hip-width apart as well as maintain a whopping kettlebell in each hands.
Try any light kettlebell first. Leading using the elbows, improve the kettlebell across the range of one's body until your hands are just beneath the particular chin. Then, swing the load with both hands in between the legs towards the back individuals whilst exhaling. Lift your feet off the floor, but maintain your knees with each other and also legs bent.
Many in the workouts including the main mastering exercise with the kettlebell, ?The Swing,? are very general throughout nature. Flexibility, endurance, along with lung capacity tend to be enhanced from the exercise, too.
Stand straight with your legs shoulder width apart.
Kettlebell perform out
Kettlebells allow one to work the back hard without essentially having to coach it heavy. Pertaining To the typical guy that is going to imply a stronger plus more injury resistant back, just like it can for your heavy lifter. That ought to be in chest height.
Bend the particular knees and, maintaining your torso upright as well as the back straight, lower in in order to a squat, getting the load in your direction of the particular floor.
Squats are an outstanding exercise pertaining to strengthening your quads, glutes as well as hamstrings. In the event that you spend the ton of energy performing ridiculously heavy squats, sometimes its not the actual smartest thing inside the world do to hefty load-based workout routines which in addition function the actual back. You might also try this transfer along with a couple of kettlebells.
The methodology at the actual rear of kettlebells is exclusive along with for that reason lends itself to a fantastic deal of physical attributes. An Individual can easily do that move with various kinds of resistance, such as becoming a barbell or perhaps dumbbells. whether you're looking to improve your practical fitness within sports in which involve cross-body twisting as well as throwing motions for example golf, tennis and martial arts, as well as you're simply looking to obtain rid regarding those love handles, the actual kettlebell twist will enable an individual to reach the goals faster.
EXERCISE 1: Swings
The kettlebell stimulates tremendous abdominal contraction simply because in the mostly explosive conditioning movements which you utilize it with. Throughout the actual beginning, when you are creating up core strength, extending the spine from the top of the actual sit-up will enable anyone to develop the habit of not permitting an unhealthy bend in the lower spine. Stimulate the particular muscles, as well as blow your cardio out with the h2o without taking far from strength.
Try this kettlebell work out, do 15reps of every and also every exercise to begin off along with repeat 3 times, once you've mastered the workouts attempt every 1 pertaining to 30secs as well as repeat 4 occasions along with 10sec rest in between every exercise.
Kettlebell swing training preps the body in order to endure the strain of sports and also physical disciplines like karate too as produce power in the core entire body muscles. That Will implies it fits perfectly within our alternative conditioning style. This really is hugely helpful for higher level lifters as well as the typical guy. Although your abdominals absorb most of your weight.
Lean back slightly, getting careful not to round your back. Which Usually implies you will get killer power as well as endurance work without necessarily getting to create use of the heaviest weight you can find. In Addition many conditioning exercises don?t really hit the trunk muscles all that well, nevertheless the kettlebell does.
Quickly twist through side to side, leading using the kettlebell. Next, reverse the movement by simply squeezing your abs as you exhale in to a seated position, and also sit up wonderful and also tall together with neutral spine with the the majority of notable to decompress. normal western progression is to progress to a restricted quantity of reps as well as continually add weight for an exercise. Place your current legs together along with bend the knees


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Live updates
Judge: Murder showed "recklessness of the highest degree"
Lord Chief Justice Lord Thomas, Mr Justice Silber and Mr Justice Globe said the personal statement of Mr Greaves's widow Maureen made clear the devastating effect the murder had on her and the rest of the family.
Lord Thomas said they agreed with the trial judge's assessment that although Bowling may not have intended to kill, the brutality of the attack and the force he used showed he was entirely indifferent to the risk that he might.
"There was recklessness of the highest degree."
He said they were satisfied the aggravating factors in the case would have set the minimum term to one in excess of 30 years had there not been a guilty plea.
"In our judgment, the judge came to the perfectly correct conclusion," said Lord Thomas.
He added: "This was without doubt a vicious, pre-planned attack on a vulnerable man using a weapon and on a Christmas Eve.
"His plea of guilty was his only mitigation.
"We have no doubt whatever that the minimum term of 25 years less time on remand was entirely appropriate, would safeguard the public and ensure there was just punishment and retribution for this terrible crime.
"There is no basis whatsoever for this application."
Organist murderer loses appeal
A man who battered a church organist to death as he walked to Midnight Mass in Sheffield has lost his appeal against his minimum 25-year sentence.
Jonathan Bowling was jailed for life at Sheffield Crown Court last July for the murder of lay preacher Alan Greaves, 68.
Bowling, 22, battered devout Christian Mr Greaves around the head with a pick-axe handle as the pensioner walked to play the organ for Midnight Mass at St Saviour's Church in High Green on December 24, 2012.
The father-of-four suffered catastrophic head injuries and died three days later in hospital.
Man moved by organist's murder writes carol in tribute
A Christmas carol composed in the memory of murdered Sheffield church organist, Alan Greaves, has been played to his widow Maureen for the first time.
Called the 'Bethelehem Star', the carol was written by another organist, who although he did not know Mr Greaves, was shocked by his brutal death as he walked to church last Christmas Eve.
Martin Fisher has the story.
Special carol composed for murdered church organist
A special Christmas carol has been composed in memory of murdered Sheffield organist Alan Greaves
Mr Greaves, a church organist, was attacked with as he made his way to St Saviour's Church in High Green on Christmas Eve last year.
The piece called 'Bethlehem Star' was composed by Bob Chilcott, also an organist, after he heard of Mr Greaves' death.
Canon Simon Bessant says the tribute would have been very special to Alan.
Plaque unveiled for church organist in Sheffield
The widow of a church organist murdered last Christmas says she'll be back at the scene of the attack this Christmas Eve. Alan Greaves was beaten to death while on his way to midnight mass at High Green near Sheffield.
Today as she unveiled a plaque in his memory Maureen revealed plans to hold midnight mass this year at the scene of her husband's murder. She says it'll be a chance to celebrate his life. Chris Kiddey reports.
Memorial in Sheffield for Alan Greaves
A plaque's been unveiled in memory of Alan Greaves, the chuch organist murdered on his way to midnight mass last Christmas.
The plaque is in a room dedicated to Alan's memory at High Green Parish Council offices close to where he was attacked.
Two men, Jonathan Bowling and Ashley Foster,are serving a total of thirty four years in jail for the killing. Alan's widow Maureen was among those present at todays ceremony.
Video: Man admits Christmas Eve murder
The widow of church organist Alan Greaves today came face to face with his murderer and heard him admit - for the first time - that he'd carried out the Christmas Eve killing.
Maureen Greaves was at Sheffield Crown Court today when Jonathan Bowling pleaded guilty to her 68 year old husband's murder. A second man has denied the charge and he will now face a trial by jury. Ben Erlam reports.
22-year-old admits church organist murder
One of two men accused of murdering the church organist Alan Greaves has admitted his guilt today. His co-accused has pleaded not guilty and the case will go to trial later this month. David Hirst reports from Sheffield Crown Court.
BREAKING: Man admits church organist's murder
A 22-year-old man admitted the murder of church organist Alan Greaves when he appeared before Sheffield Crown Court today. Jonathan Bowling, from Burngreave, pleaded guilty during a short hearing.
His co-accused, Ashley Foster, 21, who is from High Green, appeared via a video link and he denied the murder of Mr. Greaves. The case will go before a jury on June the 24th and is expected to last for at least two weeks.
Mr. Greaves' family were in the public gallery during today's hearing. The former social worker was attacked on his way to play the organ at midnight mass at St Saviour's Church at High Green.
Last respects for murdered church organist
Hundreds of friends and family paid their last respects to church organist Alan Greaves who was murdered as he walked to midnight mass in Sheffield on Christmas Eve.
Mr Greaves' widow Maureen told them that she has turned away from hatred, vengeance or retaliation towards those who killed him. David Hirst reports


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Location: Western Canada
Position: Lead Team, Mobilization and Media
Project #: C0640
Email: firstname.lastname@example.com
Phone: 866.964.7627
God is at work amongst the nations! Joining our Heavenly Father in His work is privilege. For our family that means we want to live out our faith in the community, sharing God's love in the ordinary daily encounters – and see how He is able to transform both our lives and those around us!
Larry's role is to provide leadership to the mobilization of people, prayer and resources. He works with the Regional Mobilizers and churches across North America to grow our capacity to send and support missionaries. Communicating the story of God at work amongst the nations is a priority for Larry as he leads the communications team.
Spouse: Heather
Children: David (2003), Natalie (2005)
Home Church: The Dwelling Place, Kitchener, ON


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The 2013 Outstanding Alumni Service Award
Christopher D. Jennings (MBA '80) is a Managing Director of Roth Capital Partners, a leader in financing emerging growth companies. He initially joined Roth in 1995 and has held his current position since 2002. Since then, he has raised almost $3 billion for clients in a variety of sectors located in the U.S., the UK, Europe, Israel and Asia. He started his corporate finance career in the Los Angeles office of Warburg Paribas Becker, run by Anderson's own Bill Cockrum, then the firm's Vice-Chairman-definitely a memorable experience.
A significant supporter of the Anderson School for the past 20 years, Jennings has served UCLA Anderson as Chair of the Annual Fund, member of the Board of Visitors, and is currently a member of both the Price Center Board of Advisors and the Fink Center Advisory Board. He has also served on campaign committees, recruited multiple board members, solicited many donors, hired Anderson graduates and mentored many more. "Kit" has been a director of public and private companies in the technology, media and finance sectors, in addition to service on other charitable boards.
Jennings holds a BA from New College and received his MBA from UCLA Anderson in 1980.


text: The Limelight Beds Vesta Bedstead uses a stylish and contemporary design that makes the Vesta eye catchy and modern. Featuring a strong and sturdy construction and designed to last, finished in a beautiful American Oak. This bed also features two drawers for keeping the clutter at bay. Complete with a sprung slatted base to give extra comfort and support. The high headboard makes a great centrepiece with elegant spindles.


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There are some people who come into your life for just a bit and others you can't even remember the
start of your friendship it was that long ago. Kathryn is one of those people. I do remember the day she came into my life, well I've been told – I was 366 days old when she was born and we were destined to be friends.
I'm not sure that I'll ever be able to fully express how grateful I am to have Kathryn in my life or be able to explain everything she has done for me. I will tell you just how grateful I am for her and her wonderful husband this past weekend.
First of all, Kathryn and Joseph have been married just over a year and at their wedding B and I had just told our parents we were expecting that week. And I had the hardest time not telling Kathryn and waiting until they got back from their honeymoon to tell her!! Let me tell you that was one of the hardest secrets EVER!!
Yesterday we celebrated my parent's 35th wedding anniversary. My sister and I planned a big open house and a private dinner afterwards. Definitely not a place to have a 9 month old. Now back in June when we started planning this event I asked K and J if they would watch Gray for us so we could be baby free. Big step for me since the only people to watch G have been family, other than daycare (not that K isn't family – she really is, but not blood). So on top of planning and prepping for this party I was also planning and prepping for Gray to be away for a day. It's different then daycare, mainly because it was all day. Gray went to nursery at church in the morning, and then was off for his day with Auntie K and Uncle J, bath time and bedtime included. I had emailed K Gray's care guide and a youtube video of how to set up his play pen, and we had gone through everything.
So between first and second service at church, after G had a clean bum and full tummy, we handed him to Kathryn and headed out to do the last minute errands we needed to get done, and even though I many have sent her a few messages on BBM, I was not worried at all about Gray.
They had a great day, and when we arrived to pick him up he was sound asleep in his play pen in their spare room.
I'm so thankful to have friends who are more than excited to look after a baby for a day, but more than that, I'm thankful that I have such great friends who would do it a million times for us without question asked.
Kathryn has been there for me in so many ways, and I know with some of the situations we're facing in the future she'll be there beside me again.
Kathryn, Thanks for being such a great friend. I hope that one day I can repay you all the love and support you've shown me.


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5 Picnic in the Park
If you prefer to balance an activity with built-in chill time, plan a picnic in the park. If you bring along a soccer ball or a Frisbee, you've got the best of both worlds—just enough activity to get that blood rushing followed by cuddling on a blanket beneath a tree. If either you or your date has a dog, a park date is the perfect opportunity to exercise the pets as well. Just keep your fingers crossed the weather cooperates.
4 Battle It Out
If you want to take the competitive spirit even further, sign up for a session of paintball or laser tag. Sometimes trying to "kill" each other has a strange way of bringing a couple closer together, and you'll learn a lot about each other. These sorts of activities give you a safe and fun opportunity to find out how your date acts under pressure. If you want the chance to show your own courage under fire and feel a bit like an action hero in the process, these games may be right up your alley.
3 Hone Your Competitive Streak
When it comes to playing games, active people don't play around. There are plenty of sports you can play without having to field a whole team. If your date is as competitive as you are, head out to a batting cage or a driving range and practice your swing. If you're ready for the real thing and have the equipment, go play a round of golf, a few sets of tennis, or hit the basketball court for a game of one-on-one. Loser buys dinner.
2 Go Out and Play
When was the last time you played miniature golf, or raced go-karts? Indulge your inner child by planning a date at your local "fun zone," and don't worry about the fact that you may be the only people there without kids. You always thought bumper cars were fun: why not rediscover that joy? There may be no better way to spend a day—or evening—than with a permanent, child-like grin plastered on your face. And if you lose that go-kart race, you can always demand a rematch.
1 Take a Hike
If you want an active date that doesn't empty the wallet, hiking can't be beat. No matter where you live, there are probably hiking trails somewhere. And best of all, this activity is free. Hiking gives you a chance to take a break from all the technology and demands of daily life and spend some quality time getting back to nature—and each other. Just make sure you don't take a trail that surpasses the skill level of you or your date, and be safe—you don't want your active date to turn into a disaster.


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We know Rush Limbaugh understand or like anything to do with the hip-hop culture. So it's not surprising, Rush gets Beyonce's "Bow Down" song completely wrong.
Rush Limbaugh slams Beyonce for what he deemed a "180" in the image department, blasting her for telling women to "bow down" to their husbands.
Listen to Rush Limbaugh vs Beyonce below:


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Any organisation can only be as good as the people within it. Riverblade is a technology lead Independent Software Vendor (ISV) and as such the experience of our staff is key to the quality and success of our products.
Anna-Jayne MetcalfeAnna is Riverblade's founder. She has over 15 years experience of working on development projects and is familiar with all stages of the development process, from initial requirement or bid proposal to production and post design support.
She has previously worked in development and team leader roles in both the military and commercial sectors on projects ranging from designing software architectures for military automatic test systems to designing and implementing a major portion of the user interface for a market leading subsea acoustic tracking system.
She is well known in the development community as the author of the Resource ID Organiser Add-In for Visual C++ (now part of the Riverblade product portfolio) and can often be found on the developer forums at The Code Project, where she currently has 4 articles published.
Beth Mackenzie
For regular product updates follow me on Twitter .
Beth is a product and customer focused professional software engineer with 11 years of experience working on development projects, primarily database oriented business solutions for medium and large sized corporate businesses. During her career to date, she has worked in a wide range of industries including Retail, Parcel Tracking, Banking, Multi-media Subtitling, Defence, Manufacturing and Marine.


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- This event has passed.
Rev Members & Sponsors Only: Free Pass Day
September 11, 2018 @ 9:00 am - 5:00 pm
All employees of Rev Member companies are welcome to come work without using a Day Pass. This is a great chance to catch up with mentors and other Members, meet new people, and connect with special guests and Rev Sponsors! Bagels provided – yum!


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Ratcheting up pressure on the BJP-led government at the Centre over the land acquisition bill, Shiv Sena President Uddhav Thackeray...
Ratcheting up pressure on the BJP-led government at the Centre over the land acquisition bill, Shiv Sena President Uddhav Thackeray today asked his party workers to propagate "ill effects" of the proposed law in its current format among farmers.
"People should know the stance we have taken. For this, Sena workers will propagate the ill effects (of the land acquisition ordinance) among farmers," senior Sena leader Subhash Desai said, after Uddhav addressed a meeting of party functionaries here. Sena is an NDA ally.
"Henceforth, (the government) will have to pay heed to others when it comes to important decisions," Desai, who is Industry Minister in the BJP-led government in Maharashtra, said while briefing media on a workshop organised for redevelopment of old and dilapidated buildings in Mumbai.
"There is no question of making a U-turn on this issue," Desai said.
Cornered by the growing dissent to the legislation, the central government today said it was open to accepting "good" suggestions and insisted that the new measure was pro-farmer and pro-poor.
Uddhav had said yesterday that there was no question of supporting any law that goes against the interest of farmers, reminding BJP that farmers had brought it to power by placing their trust in the party.
"Do not commit the sin of squeezing the throat of the farmers," he had said, adding the party was not opposed to economic development but, at the same time, could not allow it to take place through forced acquisition of land.
The Centre had issued the ordinance in December to exempt projects in defence, rural electrification, rural housing and industrial corridors from provisions of a law enacted by the previous Congress government that mandated the consent of 80 per cent of affected landowners for any deal.
The controversial measure also ends the need for companies to conduct a social impact assessment of such projects, which would involve public hearings and, industry executives fear, that drag on for years.
To a query on an out-of-court settlement proposal for accommodating both Ram temple and mosque at Ayodhya, Desai said, "We will announce our stance when the government takes a concrete decision on the matter."
On the meeting of the Sena-BJP coordination committee held here yesterday, Desai said such panels are needed at state and national levels to discuss various issues.
Desai defended the nightlife proposal in Mumbai mooted by Yuva Sena leader Aaditya Thackeray, saying "This will boost tourism."
When pointed out that this could lead to more law and order issues, Desai said, "It is the job of police to take care of that. I can say that crime rate won't increase if there is a vibrant nightlife in Mumbai."
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Rails are the part of the Permanent Way on which the wheels of the train travel. The rails also maintain the gauge separation.
Rails have to possess the following desirable properties:
(a) High strength
(b) Good flexural stiffness
(c) Good durability and less wear and tear
(d) Sufficient contact area with the wheel flange
(e) Sufficient contact area with the sleeper
(f) Rounded fillets
Flat-footed rails are now commonly used in India (Figure).
Figure: Flat Footed Rail
The standard rail section used for BG high speed lines and heavy traffic is 60 Kg/m while for BG medium speed and low traffic, a rail 52 Kg/m is adequate.
Standard rails come in a length of 13 m. Thus, it is necessary to join the two rails by a fish plate (Figure).
Figure : Fish Plate at Rail Joint
Since rail joints result in wear and tear of rails and create discomfort (sound and jerks) to passengers, the modern practice is to avoid joints by welding. An expansion gap is provided at the ends.


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Let's talk about Chic, Boho Chic! Today we want to share with all of you this great compialtion of possible women's outfit ideas that will make you look vintage and timeless, yet bold and statement at the same time. That's a unique style which makes women and girls look bohemian and hippie inspired, so, it means that you can look both individual and natural. If we speak about the color of possible clothing, then keep in mind that it should be in earth tones, tribal prints with some folkloric vibes, therefore there may be some splashes of colors like green, orange, etc. Most girls wear flowy and airy style clothes, while stay away from baggy looks.
Here we see model wearing a cool fedora hat styled with buttoned vest-like shirt, slim pants and fringed boots. We love that statement, long necklace.
The shoes should be comfortable and classy, so, keep your eyes on sandals, boots and some fun accented ones, that look cute and chic. While the hair should be a bit curvy at the bottom, instead of glamor straight or emo inspired, so make it natural, you can even add braids that will ad some tribal look. Try to mix and match military styles with rock, ethnic, vintage and hippie. While the accessories should be bold, opulent, rich and statement, that's why choose bracelets, mix-and-match style necklaces and statement earrings, then use headbands, barrettes, belts, clips , etc, in other words, just make it noticeable. The make-up should be natural, as well. Here below are presented some beautiful and inspirational tips that will make you look youthful and creative.
You can even look a bit boyish and wear gray loose-fit sweater teamed with jeans, sneakers and cool animal print bag. Love that hair bun which makes this girl look timeless.
Another style can be the following: a cool tomboy style cap worn with striped tee embellished with ethnic details and tribal necklaces.
How about floral ethnic print on the dress to make your appearance eye-catchy, plus you can always embellish your head with a cute headband.
That's a statement poncho top in tribal print worn with velvet dark red dress. We love the way model wears those hand bracelets made of leather. Plus those knee-high socks make this outfit look sophisticated.
Here we see girl wearing a long blazer embellished with ethnic prints styled with gray loose-fit tee and leather-alike slim pants tucked inside flat booties.
That's an impressive leather wide brim hat which is worn with loose fit ethnic print blouse and precious metal bracelet and rings.
A flared blouse styled with wide leg denim trousers for an uber-hippie look. We love those vintage sunglasses, wooden necklace and mix-and-match style hand bracelets.
The ethnic floral top is teamed with leopard spot collarless coat.
This brown suede dress remind us of a school uniform ensemble.
That's a wow effect look: printed, fitted top tucked inside leather mini flared skirt.
How about adding some grunge details into your daily outfit, like these low heel black leather embellished booties, worn with sunflower and Aztec print dress and denim vest.
Here we see a statement neck-piece and circular sunglasses
A cool headband which embellishes the hair top knot, long black sweater and burgundy skinny pants.
A vintage tee with The Beatles print tucked inside long skirt in floral print, look at these pretty flat sandals, wow!
A long sleeve poncho coat looks great!