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How should I best protect my familys needs? Should I purchase permanent (Whole or Universal) or temporary (Term) or incorporate a combination of both.

Texas Term Life Insurance [link widoczny dla zalogowanych] is the least expensive way to get the highest face amount on a policy at the lowest price available. In fact, permanent insurance is often three to six times more expensive than term insurance. The trade off is that with term [link widoczny dla zalogowanych] insurance, once the [link widoczny dla zalogowanych] term expires so does the policy. So for example, if you are 50 years old and take out a 10-year term and pass away at 61, your family would receive no death benefit from the policy. In addition, there is a risk involved in replacing a term insurance policy with a new [link widoczny dla zalogowanych] life policy when the original term policy expires. You may want to take out another policy, but you find out that you [link widoczny dla zalogowanych] do not [link widoczny dla zalogowanych] meet the new policys underwriting standards because of health conditions; therefore, you cannot secure coverage or you [link widoczny dla zalogowanych] may be subject to a significant rate-up.

Texas Permanent Life Insurance obviously will be more expensive since once you take out the policy you are covered (as long as you make your payments), until the death benefit is claimed. Permanent life insurance is also different than term because the policy not only offers a death benefit but also generates a cash value or a savings account feature. This is [link widoczny dla zalogowanych] one of the reasons the permanent insurance policy costs more. The permanent insurance premium is split a portion of the premium provides for a [link widoczny dla zalogowanych] permanent insurance death benefit, and the balance goes into a savings [link widoczny dla zalogowanych] account that accumulates over time, pays interest, and in some cases can even pay dividends. The savings component has two primary purposes. The policy holder can borrow using the accumulated funds as collateral. If needed, the accumulated cash value can also be [link widoczny dla zalogowanych] used to pay premium.

So how does the consumer decide which type of policy is right for a particular situation? Generally speaking, if you want Texas life insurance coverage for less than 10 years, term insurance is usually the answer. This rule of thumb is especially valid since it typically takes between 5 and 10 years for a permanent policy to generate significant cash value. In that time the policy holder will pay a much [link widoczny dla zalogowanych] higher premium for permanent as compared to the term policy and will not accumulate a significant cash balance.

If you are planning to keep the policy 25 to 30 years, permanent is usually the best answer if you can afford it. The hard part is when your insurance requirements are for a period of time less than 30 years but greater than 10. The simple answer is to talk to an Texas life insurance agent. The agent will assess your needs and develop a plan to meet your coverage goals. Often it is a split plan allocating some of your budget to term and some to permanent life insurance. This approach allows you to take out a higher face amount value at a very affordable premium to cover temporary needs [link widoczny dla zalogowanych] like college expenses and mortgages. The permanent policy will allow you to support estate planning through the accumulation of a tax favored cash asset.

Tim Jarvis is a licensed and experienced Texas life insurance agent who focuses on educating his fellow Texans on the best way to shop and quote Texas life insurance [link widoczny dla zalogowanych] coverage

Tim Jarvis is a licensed and experienced Texas life insurance agent who focuses on educating [link widoczny dla zalogowanych] his fellow Texans on the best way to shop and quote Texas life insurance coverage

ckejyetf9k · Posted: Thu 15:51, 05 Sep 2013 Post subject:

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How To Make The Most Out Of Digital Signage In Eating Establishments
One of the [link widoczny dla zalogowanych] more dynamic environments that host digital signage screens is in quick-service restaurants (QSRs). Most of the business model relies upon shifting customers swiftly from the order line to the pick-up line, and lastly, on their way
Shoppers should be able to make their food selections, place their orders, and have it completely ready and given inside the space of a few minutes. This is an environment that is distinctly situated to leverage a DOOH platform.
A lot of dining establishments in the QSR space have resisted leaving their traditional menu boards and order-placement systems for a digital signage solution
Down below, we'll explain the gains of setting [link widoczny dla zalogowanych] up a DOOH system plus a couple of tips for doing so successfully.
Benefits Of Installing Digital Signage In QSRs
A well known use of DOOH technologies in the quick-service food sector is menu boards. To totally appreciate the rewards of a digital [link widoczny dla zalogowanych] board, it's well worth considering the process by which printed menus are created
When the materials have been created, they have to be printed. Once they are printed, they must be shipped to the restaurant. Then, the menus have to be placed. Several weeks tend to be necessary, from beginning to end. If an alteration becomes necessary - as an example, a new product is introduced - a fresh number of print menus have to be developed, delivered, and put up.
By contrast, a DOOH display could be updated to reflect changes when needed. If a menu item is introduced or dropped, the digital signage board could be altered within a few minutes.
An additional benefit of digital signage is that the subject matter could be personalized based on [link widoczny dla zalogowanych] the time of day, audience, weather, and additional factors. For instance, DOOH menu boards can present breakfast deals to early morning clients, and lunch special [link widoczny dla zalogowanych] deals to people visiting in the mid-day.
The technological know-how furthermore gives QSR managers a way to much better explain their menu items. This helps to boost [link widoczny dla zalogowanych] product sales of high-margin side items, for example french fries, beverages, and sweets.
Although a digital signage program provides apparent advantages for the quick-service space, in addition it provides a couple of obstacles. One of them is the possibilities for a system outage.
Have A Backup System Ready In The Event Of Problems
Any server-driven program could suffer an interruption, even if it only endures a few momemts
However, in the QSR space, a few momemts of outages can lead to clients leaving in aggravation. For this reason, it is important to have a backup system in place.
Suppose you operate a fast-food eating place, and the personal computer that delivers content material to your digital menu boards goes down through the lunchtime rush. If you don't have a backup system, your customers will be left with no easily-viewable menu. When installing a digital signage remedy, make certain there is certainly redundancy between servers.
Complementary Offers Through Self-Service Kiosks
One use of DOOH technology in quick-service restaurants is kiosks that permit [link widoczny dla zalogowanych] clients to purchase their meals through a touch screen interface. This is an excellent chance to upsell sides. The secret is to make certain the side orders being advertised match the other items ordered by the buyer.
As an illustration, assume a client requests a garden salad and an apple. It might be [link widoczny dla zalogowanych] inappropriate to upsell fries to this individual since they have ordered a low-calorie meal; bottled water is a better match, and is more prone to be included with their order. A DOOH solution can be designed to deliver complementary upsells that complement the preferences of the client.
Setting Up Of A Digital Signage Network In QSRs
If you are considering setting up a digital signage remedy in a QSR (or a chain of QSRs), permit sufficient versatility to scale up later on; no sole solution fits every atmosphere, and your needs are likely to evolve with time.
It's furthermore essential to allocate sufficient resources to keep content material fresh, such as a continuing string of promotions. This helps cause interest in customers, and increase their average order size.
The environment in QSRs is dynamic and fast-paced; product sales are influenced by how swiftly the customer can order and receive what she wants. It offers an [link widoczny dla zalogowanych] ideal setting for [link widoczny dla zalogowanych] menu boards powered by a digital signage program.
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Submitted : [link widoczny dla zalogowanych] 2011-09-20 00:00:00Word Count : 724Popularity: Not RatedTags: digital [link widoczny dla zalogowanych] signage, digital signage content, digital out of home, DOOH, signage system, outdoor electronic signs, LED Signs, LED Marketing, advertise outside
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