Choosing Ringbearer Gifts Does Not Have to Be A Bear

The significance of wedding rings is best illustrated in people's fear of losing them. There are people who boast of having never removed their wedding ring since their wedding day, though this is sometimes due to changes to their weight since they said, "I do." But really, how important are wedding rings? Moreover, how many times have we heard of what a nightmare it is to lose your ring? We hear stories of people losing their rings in the labyrinth of pipes underneath the kitchen sink. Then, there was the movie "American Wedding," in which wacky Steve Stiffler accidentally feeds the bride's wedding ring to a dog. Clearly, wedding rings are very important. Consequently, even though the ringbearer is one of the shortest members of the bridal party, his is the task of the tallest order. So, when you choose ringbearer gifts, keep in mind the critical role that your ringbearer plays.

The Ringbearer
The use of ringbearers is fairly modern. They tend to be young brothers or nephews of the bride or groom, and usually range in age from 5 to 10. In weddings that are formal, the ringbearer, or pageboy, has one of two different functions. First, the ringbearer might carry the bridal party's rings on a huge white satin pillow. Boys will be boys, and almost anything could happen during his waddle down the aisle. Usually, the best man himself secures the rings, or thread is used to attach the rings onto the ringbearer's pillow.

Another function of the ringbearer is to carry the bride's train, if it is lengthy.

The Basics
Whether the ringbearer totes the rings or holds the train, make him feel special through your choice of ringbearer gifts. For example, consider what your ringbearer likes. Here are some ringbearer gifts that might ring well with him.

Ring Bearer Fun Box Gift: This is decorated to look like a Ringbearer's tuxedo. Inside it is fun games, cookies, and candies.

Ringbearer Baseball Cap: This will remind the boy that he was in the starting lineup of the wedding ceremony.

Space Magic Cookie Pot: This is a bouquet that is packed with cookies and candies. What kid says no to sweets?

Ringbearer Activity Tote Bag: This is a fabric bag with several gift items inside.

Personalized Gifts
Aside from the obvious height difference, kids and adults are not too different from each other. Like adults, kids want to feel special, too. Personalized ringbearer gifts help you do just that. Here are a few personalized ringbearer gifts to consider.

Personalized Baseball: This will make any little leaguer feel like a big leaguer. The ball is mounted on a walnut-finish stand.

Ringbearer T-shirt: This will let your mini lord of the rings remember the special day. How could he not with his name is printed on the shirt?

Personalized Silver Plated Yo-Yo: Give a new twist to the old toy! Each time your ringbearer uses this ringbearer gift, he will remember his walk down the aisle.

Being the ringbearer in a wedding can be daunting for any youngster. Help your ringbearer enjoy the task by giving him a well-thought out ringbearer gift. Carefully chosen ringbearer gifts will make your wedding day one that will always ring a bell in your little ringbearer's mind.

Life Insurance 101, An Explanation of Various Types of Life Insurance

TERM LIFE INSURANCE – Life insurance for a set number or years. You can choose from 5 to 30 year terms. No cash value, if you die during the term you collect the death benefit. The policy dies after the selected term has ended and you receive nothing unless you have a, return of premium rider or you convert the policy to some form of permanent insurance.

RETURN OF PREMIUM TERM INSURANCE (ROP) – A term insurance policy that returns all or a portion of premiums paid at the end of the term if the death benefit has not been paid.

SIMPLIFIED TERM INSURANCE – Term insurance which uses a simple application. Underwriting is done electronically. No underwriting requirements by the applicant unless red flags arise out of the electronic underwriting process. Policy is usually issued much quicker than regular term. There is a limit of death benefit for this type of policy ($350,000 or less) depending on the insurance carrier. This type of policy is generally more expensive because of additional risk by the insurance carrier. Less underwriting =more risk.

CRITICAL ILLNESS INSURANCE – Applied for as a stand-alone policy or as a rider to another life insurance policy. Pay immediate benefit for a covered illness even if death does not occur.

ACCIDENTAL DEATH INSURANCE – Pays benefit in event of a covered sudden accidental death. Applied for as a stand-alone policy or as a rider to another form of life insurance.

MORTGAGE PROTECTION INSURANCE OR DECREASING TERM INSURANCE – Term insurance that pays the balance of your mortgage should death occur. The amount of death benefit decreases to match the amount owed on mortgage. The insurance is set up to end at the same time your mortgage is set to end.

UNIVERSAL LIFE INSURANCE (non variable) – Flexible premiums. Can be a permanent insurance as long as premiums are paid and policy is funded properly. Investment policy in which risk lies with insurance company.

Has a minimum guaranteed interest rate which differs by company. This policy has the ability to gain contract value. The death benefit can be set to level (death benefit stays the same throughout) or increasing (death benefit increases as contract value rises). You may obtain loans or make withdraws but you must be careful, if the policy is not funded, it will collapse.

VARIABLE UNIVERSAL LIFE INSURANCE – Agent must have securities license to sell. Very similar to non-variable universal life. The difference is that the policy owner assumes investment risk. There is no guaranteed interest rate. Policy can collapse if investment does not do well and policy is not funded properly.

WHOLE LIFE INSURANCE – Simply put, you pay the premium and the policy will last your whole life. You usually have an option to borrow against the policy, amount depends on the value of the policy. This type of policy is usually much more expensive than the universal life policy.

GRADED BENEFITS WHOLE LIFE – Partial or no benefits paid until a named or tiered waiting period has passed. If you die before the waiting period has passed, you usually will receive the return of your premium payments with some sort of interest.

FINAL EXPENSE WHOLE LIFE INSURANCE – This type of whole life insurance is aimed at burial and funeral expenses and other final expenses. Usually, no medical exam required and death benefit is limited to $50,000 or less.

SINGLE PREMIUM WHOLE LIFE – This whole life policy is paid for by a single lump sum payment. In return the beneficiary receives a larger death benefit than the payment.

THINGS TO CONSIDER: You may be interested in mixing and matching different types of policies. For example; There is a need for 500k immediately. As time goes on, the kids have graduated college and are out of the house, the house is almost or totally paid off. Now the need is less. In this example you may want to purchase a 330k universal life and a 20 year 200k term. This plan will save you money and still protect your family for life.

Or, you may want to mix term, critical illness, accident, universal life, or whole life in various ways depending on your needs.

RIDERS:

Waiver of Premium Rider – pays life insurance premium if you become disabled and can’t work. There is usually a waiting period and rider usually expires at age 60 or 65.

Critical Illness Rider – Rider is explained above.

Return of Premium Rider – Rider is explained above.

Guaranteed Insurability Rider – this rider allows you to purchase an additional amount of life insurance at a later date without having to prove insurability again or take another medical exam.

Term Conversion Rider – allows you to convert a term insurance policy into a permanent policy without proving insurability again.

Accelerated Benefit Rider – this rider is only for permanent life insurance policies. This rider is usually included automatically for free. It allows you to collect a portion of your policy’s death benefit if you become terminally ill with a short life expectancy, usually one year. The portion paid out is subtracted from you policy’s death benefit.

Accidental Death Benefit Rider – This rider pays in addition to the death benefit if you die from an accident.

Child protection Rider – Usually used to pay final expenses if the unthinkable happens. Often, at a nominal cost and purchased in units of $1,000.

UNDERWRITING: requirements depend on insurance carrier, type of policy, amount of death benefit, age, build chart, gender, medical history, medications, family history, motor vehicle report, and other factors.

An application is always required, although, non-medical policies usually have a simple application.

Requirements could be: Paramed (certified medical processor or nurse comes to your place of choosing, takes you through a medical questionnaire, measures your height and weight, takes blood and urine sample, possibly EKG either resting or non-resting), Medical information from your physician or hospital, Medical exam, etc.

HEALTH CLASSES – Typical health classes would be, Preferred Best, Preferred, Select Standard, Standard, and then different nicotine classes such as, preferred nicotine, select nicotine, and standard nicotine.

It is possible to be rated less than standard depending on health and underwriting factors.

You must qualify for a health class. This is chosen by the underwriter after the underwriting process is complete. The agent can only quote you the different health classes but this can change with the underwriting process.

Beachfront Vs Inland Real Estate Ownership In Miami

Miami real estate is one of the fast-selling and bought after pieces of real estate in the market nowdays since it is considered by many to be one of the best places to live or vacation in.

One of the reasons as to why a lot of people would like to invest on a real estate in Miami is because of all the other things that people will be getting when they do decide to purchase a real estate property in Miami. These Miami real estate owners know that they are not only getting the property, but they also get to benefit from all the other things that goes along with the property, such as the pristine beaches and the culture in Miami.

Owning a real estate property in Miami can be a real treat, especially for people who are very much into the whole Miami culture and lifestyle. However, there are a lot of real estate property types to choose from, ranging from condos to hotels. Although there are a variety of real estate properties in Miami, two of the more ideal property types that people can purchase are the beachfront and inland real estate properties. These two property types are very different from each other, although they both offer great real estate properties for potential buyers. In order to be able to decide which one bests suits your taste, you need to know what makes each of these properties unique.

One of the things that make the two property types so different is the aesthetic aspect that these property types offer its potential investors. Of the two, the beachfront real estate properties offer the better esthetic quality since the property is situated along the coastline along the coast of Miami.

These beachfront real estate properties is made more beautiful by the fact that the beaches that made Miami so bought after and popular is the backyard of such properties. All you need to do is look out your window and you can see the beaches that draw such diverse crowds into Miami.

Inland real estate properties, however, although are beautiful in their own right, still can not match the aesthetic beauty that the beaches add to the different beachfront real estate properties. It is one thing to have a beautiful house with nice amenities in a nice neighborhood, but it is another to have white sandy beaches very close to your home.

Another thing that differentiates these two property types is the level of their appeal or popularity with the different investors and potential buyers of the real estate properties. Beachfront real estate properties are moreought after than inland real estate properties since these beachfront properties are very close to the beaches, which is the major reason for its appeal. Inland properties may be closer to other structures, but people do not wish to live or vacation in Miami because of the malls and the stores in the city. People wish to come to Miami mostly for the beaches.

Although both real estate properties can be used by its owners to earn profit, especially if they do not intend to live in Miami permanently, beachfront properties are still the more popular choice for people who want to rent out condos or houses in Miami, especially for those people who are just vacationing. Vacationers go to Miami for the beaches, and if they are able to live near one, then the better it is for them.

Whatever real estate property you may choose to buy, it is important to remember that these types of properties, especially if they are bought after in the market, may cost you a lot of money if you plan on investing on Miami real estate. However, inland real estate properties tend to be more reasonably priced, as compared with beachfront property types. The high cost of owning a beachfront property is the price that any potential buyer have to pay in exchange for all the perks that goes along with the property.

Vanessa A. Doctor

http://miamirealestateinc.com

10 Marketing & Social Media Tactics to Boost Holiday Sales

Tis the season for holiday sales!

Shoppers are flocking online in search of gift giving ideas. According to Mashable, "65% of shoppers tap social media looking for the perfect gift … and two out of three shoppers purchased a gift they found via social media."

So what are the best ways to cash in on seasonal sales with your business?

Whether you are a service-based business or sell products, here's some suggestions to get in the spirit with holiday sales.

1) Learn from the Ghost of Christmas Past

Look at metrics from last year's holiday sales. What products were bestsellers? Which promotions created the largest lift in sales? What special offers were a total bomb?

Discover what worked and did not so you can capitalize on it when you plan this year's promotions.

2) Make a Holiday Social Media Cover Image

Decorate your social media business pages with a specially designed cover image. It's the perfect place to announce special holidays promotions and deals.

Be sure to create one for all of your social media accounts.

3) Use Holiday Hashtags

Twitter shoppers may use hashtags to find their next purchase. So take advantage of hashtags to get discovered.

Some popular hashtags include: #blackFriday, #DIY, #holidaysssavings, #stockingstuffers, #holidays, #Christmas, #Hannukah, #Kwanzaa, #NewYears

4) Create Social Media Graphics for Promos and Deals

Everyone loves getting a great deal when holiday shopping. Make festive graphics promoting special promotions that make purchasing the perfect item irresistible.

Deals can include:

• one day only,

• limited quantity sales,

• buy-one-get-one free,

• special discounts or holiday coupons.

Consider offering a "12 days of Christmas" promotion with a special deal each day!

Canva makes it easy to make custom holiday social media graphics.

5) Boost Sales with Free Shipping

Consider offering free shipping for holidays gifts. Create highly visible buttons or banners promoting it on your website.

Or you can boost the order size by offering free shipping on orders over a bigger dollar amount such as $ 100.

Studies show that shipping costs are one of the largest detracts to making a purchase online so this one tactic could result in big returns for you.

6) Offer Gift Ideas

Holiday shopping can be frustrating when you do not know what to buy for the person who has everything. You'll want to promote your bestselling gifts.

Make gift buying easy by sharing gift suggestions like:

• 5 gifts for mom,

• 10 gifts grandparents love,

• 5 gift ideas for tech savvy teens etc.

Then offer links to purchase each of the items you mention on your blog and on social media.

Better yet, if you have a blog, write articles based on these topics and refer to your products within the article with links back to the purchase page.

7) Write Reviews

If you offer one of the hot new products of the season, consider writing and reviewing a review about it on your blog. In this review you could mention your own offers that would be a great gift accompaniment.

As an example, do a review of the top three smart phone accessories for Mom this Christmas and share pictures of them with a red bow on them along with a side-by-side features comparison. Then mention how your offer go great with these gift ideas while including links to purchase.

You could also incorporate your Amazon affiliate link for those products

8) Suggest Stocking Stuffer Ideas

Help idea stumped shoppers by offering suggestions for small items for everyone on their shopping list!

Write a blog post with the hottest stocking stuffers for the season. Share daily stocking stuffer ideas on social media using hashtags like: # beststockingstuffers2016 #cheapstockingstuffers #stockingstuffersforwomen

9) Reward Loyal Customers

Offer to give a $ 100 Gift Card to a randomly selected customer cutting posting a picture or video with your product on social media. Set up a campaign having them use a special hash tag like #christmascountdown.

This can help your promotional campaigns to go viral as customers share on their timeline and family / friends see their post.

10) Share Holiday Spirit

Connect to the spirit of the holidays in your customer's hearts. Engage your customers by asking them their favorite holiday tradition.

Get people to interact with your brand by asking them to share:

a. Their most-loved family recipes from Thanksgiving or another holiday event.

b. What their most loved Christmas song is.

c. DIY Christmas decorating tips.

d. Easy gift wrapping suggestions.