Connect with us

How to

Digging For the Gold in Retirement – Medical and Life Insurance



If you are a union worker retiring now, you are exiting the workforce after a gold rush of paid medical expenses and lucrative defined benefit or pension plans. In 2003, the average life span became higher at 77.6 years. Some argue that overweight issues and new illnesses will stop the trend of Americans living longer. Because people are living longer, the financial future of tomorrow’s retirees is at stake.1 When retired, you will have time to mine financial reports, find gold nuggets of understanding about the U.S. economy, and sift through your golden loot with your tax advisor, investment broker, insurance professional, and attorney. It is the right here and now, while you are still swinging the pick axe in your working years, where time can be your best friend and mentor. Know and understand what it is exactly you have stashed away and how you can protect or grow the savings you have worked so hard to get. So when will you call it a “done deal” and let the upper management and human resource department folks know you will retire? In today’s world, it is a “win-win” to have the best financial advice available when considering your retirement options.

Knowledge is Power

Before you “turn in your hard hat”, ask your human resource department for a hard copy of your medical benefits, disability, and life insurance benefits, or any other benefit which is offered to you as a retiree. Many employers now allow employees to get this type of information online using a personal computer with a PIN (personal identification number). If you don’t have one, ask your human resource department to help you learn how to get the right information to get your information online. If you don’t feel right getting information online over the computer, ask your human resource department for help.

Medical Coverage: Are the Big Buck Days Nearly Over?

General Motors (GM) spent $5.6 billion in 2004 to care for 1.1 million active and retired employees and their dependents. In 2003, health-care spending amounted to $1,525 for every vehicle GM produced in the U.S. 69% of the beneficiaries of medical coverage are retirees.2 If you are getting ready to retire and you are sixty-four (64), you need to look into your medical supplement insurance or Medigap. Be prepared for your union to make future changes, as GM may, to its current medical plan.

Many families already know about rehabilitation therapy and how important it is for triggering events like stroke or heart attack. In the case of Medicare supplement (or Medigap), Julia Apple (not her real name) was really helped by the policy her company had taken out at her retirement. Julia had a very serious stroke that left one side or her body without any strength and for about three (3) months, she required rehabilitation therapy. The cost of the first one-hundred (100) days of her rehabilitation therapy was covered by her Medicare and Medigap policies.

The focus areas of medical insurance coverage in your retirement are: Medicare, the government subsidized health insurance for retired workers, Medigap, a privately paid for supplement to government health insurance, and long term care insurance. Medigap insurance may often be taken out by your company when you retire.

Medigap offers a wide assortment of medical supplemental benefits which Medicare will not, such as rehabilitation. These supplemental benefits are individually categorized as A-J. For each letter, A, B, C, D, E, F, G, H, I, and J, you will find a type of medical care, such as hospice care, for example. A Medigap policy will differ from state-to-state and from insurance-carrier-to-insurance-carrier. In Indiana, consult an independent insurance professional for advice in getting Medigap coverage, or contact your local Senior Health Insurance Information Program (SHIIP) office to get information and referral: 1-800-452-4800 or on the web at:

The single most serious financial issue is what to do and how to cope when the Medicare and Medigap policy benefits run out. This is where long term care insurance comes in and provides income to the person being cared for to help offset the out of pocket costs. In 2004, Genworth, a large long term care insurance provider estimated the national average for long term care costs was $75,000.00.

Life insurance: Is it Fool’s Gold?

While it may be tempting to respond to direct mail offers you receive in the mail or solicitations on television, there is nothing like a face-to-face conversation with an agent who has the ability to meet you at your home or office to discuss your concerns.

Many of today’s retirees do not have a permanent life insurance policy. However, they do have term insurance through their employer. Meet with an independent life insurance agent from a firm with good financial ratings and ask them to review or audit the policies you have. You can find out if the insurance you have through your employer is portable and also if it would be affordable for you to convert it to a permanent policy at your retirement. In many cases, a competent insurance professional will be able to assist you with determining the type of coverage that you should have. If you aren’t sure about the advice you receive, seek a second opinion from another representative from a highly rated firm with a local sales office.

Life insurance is not fool’s gold. It can help your family to have an income if you pass away; it can supplement retirement income, be borrowed against, and can help you minimize financial stress on the people you love at their most critical hour.


1 Sage News, A Longer Walk Into the Sunset, March 21, 2005.

2 Detroit News Auto Insider, April 8, 2005.

3The American Health Care Association, Contemporary Long Term Care, November 1998.

4 MetLife Market Institute, July 2000.

5 Kiplinger’s, Your Money, June 2004.

How to

Tips For a Stress-Free Local Moving Service in Dubai



best moving in dubai
moving services in dubai

As stressful as a long-distance move can be, moving to a new location can be a rewarding experience. It is possible to ease the transition in some ways. As long as you stick to a few simple rules, the process should be as straightforward as possible. You must know how to plan your activities and stick to the plan to succeed. If you are moving to or from Dubai, here are some tips to help you and your family get settled in.

Getting Organized for Your Local Move in Dubai

In many ways, local moving in Dubai is more difficult than moving locally. As an example, if you can’t remember something in town, you can return and get it back. For example, if you are moving to Dubai, but want to return, there’s no way around it. It’s also a matter of cutting your ties with old friends and acquaintances, as well as your home town. Everything, including schools, jobs, and the places you frequently visit, is changing. In the end, it’s a hassle and a source of anxiety. Even though these suggestions may not be the most effective, they can help alleviate some of your stress.

Tip 1 Movers vs. Self-Movers

If you can afford it, we strongly recommend hiring a moving company. Moving is a mental and emotional challenge as well as a physical one. Many people, no matter how strong or young, struggle under the weight of large appliances such as washers, dressers, and couches. In addition, loading a truck requires a certain level of skill and expertise. You have to put together the world’s largest puzzle without the help of the box. You need to make sure it doesn’t shift around while the truck is moving. As a result, your truck will be littered with broken or damaged items when you arrive at your destination. Hiring a moving company to help you relocate far away from where you currently reside is highly recommended if at all possible. If you are moving to or from Dubai, this is a good place to start. It may be more expensive, but the impact on your mind and body is far less severe.

The Second Step is to Label All of Your Boxes Thoroughly

When moving, one of the most difficult tasks is finding something to do when you arrive at your new home. There are so many boxes that it looks like a cardboard box festival is about to take place! As a result, it’s critical to label the boxes as clearly as possible when packing. Make a note of what’s inside the box, as well as where it’s going to be when it arrives at its destination. (The kitchen, the living room, the bedroom, etc.)) The names of your children could also be written on boxes if you have a large family (bedroom, kitchen, living room). Sally-Living-Room-Pillow, for example, or Sally-Bedroom-Toy If something specific is needed, you’ll be able to quickly and easily search the boxes for it!

Tips 3 and 4: Use Lightweight Items to Load Furniture

Having enough space on the truck is one of the biggest challenges for locals moving to Dubai. With regards to moving yourself, this is especially true! If your truck isn’t big enough, you are going to run into a lot of problems. Fill chests, dressers, and other furniture pieces with lighter items to avoid this small disaster. It’s a good idea to cram them full of everything from clothing and toys to bedding.

There is, however, a very important cautionary note: don’t overfill your bookcases! Even one book-filled drawer can make moving the dresser difficult. When the drawer is on a moving vehicle, the additional weight could cause damage to it. As a result, it’s best to stock your drawers with lightweight items.

Use a Storage Unit as a Fourth Step

The truth is that home closing occurs regularly. Once you arrive, you won’t be able to take possession of your belongings if something bad happens to your house. For a variety of reasons, this is a serious issue. For one, you’ll have to find a place to stay until the closure is complete. Secondly, you must find a new home for your belongings like furniture moving in Dubai because they cannot be left on the moving truck. It’s not just clients and deliveries that they do; they also have their customers.

You can also use a storage facility to keep your things. It’s a good idea for many reasons, including To put it simply:

• It’s cheaper than what most movers will charge for storage.
• It’s a safe place to be. Security cameras and a keypad-controlled gate will keep your belongings safe at all times.
• It’s easy to get to. If you need something, all you have to do is go to your storage unit and grab it. This cannot be done in a moving company’s warehouse.
• It’s spotless. During your time in storage, rats, bugs, and other vermin will not harm your belongings.
Classic Mover Dubai has a massive storage facility for your business moving.
• You have the freedom to move your belongings at your own pace to your new residence.
Relaxation is the most important thing! Be confident that you can do it. If you stay focused, you’ll be settling into your new home in no time.

movers in dubai

Continue Reading

How to

How To Display UGC During An Event? – A Complete Guide



social media wall
Social Media Wall In Event

Every brand in existence wants to promote its brand in the best way possible. Organizing an event is the first step in this quest. However, just putting an event into action is not enough, your brand should be reaping the benefits in the form of user engagement and generation of maximum UGC

However, user engagement and generation of maximum UGC is easier said than done; you need to play your cards right. For example, displaying the UGC generated around your brand at an event in the best possible manner is the starting point.

If you are looking to leave no stone unturned at your upcoming event in terms of UGC display, then you have stumbled upon just the ideal written piece.

What Is User-Generated Content?

UGC is the most genuine and authentic content on the internet that brands can use to build trust and hit a chord with their customers.UGC can be generated in multiple ways such as by posting experiences on social media channels, offering feedback on google reviews, creating testimonials, sharing on a podcast, etc.

UGC offers several benefits, such as social proof and enhancement in ROI. As a result, a profitable marketing strategy can be created that would bring success without too much investment.

How To Generate UGC During An Event?

Generating UGC is the step that would define the success of your event. Properly presenting UGC would make you reach a wide range of people that could potentially turn into your customers. So, how can you skillfully display UGC during an event? Let’s have a look!

Create A Fun Hashtag Contest

You can use an authentic hashtag for their event and set guidelines around it that would assist you in accumulating just the type of content you require from your customers. These guidelines would also serve you well in finding out the winner of the hashtag contest. 

To add icing to the cake, you can run this hashtag contest on your social media wall, which would ensure enthusiastic participation from attendees of the event. In addition, this step would lead to maximum UGC generation, taking customer engagement around the event through the roof.

Run A Social Media Wall

Display a Social Media Wall to your audience is the best thing you can do to engage your audience during the event.. A social media wall is a collection of attendees’ social media posts, google reviews, videos, and feedback from various social media platforms like – Facebook, Twitter, Instagram and so on. Most of the Social walls are auto-synced, making the latest feeds updated on-screen in real-time. These real-time feeds keep the event audience engaged and hooked to your event. 

social media wall

You can amplify user engagement at the event by encouraging the event attendees to use your hashtag while posting on social media to feature on the social wall. Then, in a bid to get in the limelight, attendees would create UGC on social media that would give a lift to your motive of accumulating the maximum amount of user-generated content. After this, a bandwagon effect would be created, which would inspire other attendees to post on their social media about your event since your social wall displayed content of other attendees.

Create And Capture Moments 

Turn on your innovative mode when it comes to engaging attendees. Offer them something that they would love to flaunt on social media and remember for a lifetime. For example, one of the most talked-about forms is a photo booth at events. The audience can get themselves clicked at your event’s photo booth and, later on, can post those photos on social media platforms using filters and the brand logo that you would provide. 

If you organize a virtual event, you can create a virtual social photo booth using several virtual photo booth creating software. Photo Booth is a great tool that is simple to arrange but provides tremendous results for your user-generated content.

Apart from the Photo Booth feature, you also have the option of adding a fan meet and greet element. The fan meets and greet feature is the part of the event where the audience members can meet the speaker or the artist and click pictures with them, which later can be posted on social media handles. Innovative things at your event would keep your customers engaged, which would prompt them to do a word of mouth marketing for your brand on social media. 

Wrapping Up

User-generated content carries loads of potential that could elevate your event to another level. It has been offering tremendous results to brands that actively include it in their marketing procedure. Organize a marketing strategy that revolves around the points mentioned above, and you can see your results going upward in no time. 

Continue Reading

How to

EML to PST Converter to Know How to Open Windows Live Mail Files into Outlook



eml convert 2 pst

Windows Live Mail is a default email client of Windows Vista operating system. However, Microsoft discontinued it and does not provide support. Due to this, various users forced to switch their data from Windows Live Mail to any other platform. What else is better than MS Outlook? It emerged as one of the most popular email client from the few decades. We will later dices about MS Outlook min details.

Most of the users find difficulty in exporting Windows Live Mail data in Outlook because both the email client support different file formats i.e. EML and PST respectively. Therefore, it is not possible to directly open Windows Live Mail file in Outlook unless you don’t know the right way. In this blog, we will tell you all possible ways to solve your query how to open Windows Live Mail files into Outlook and the efficient way to EML to PST conversion

Professional Solution to Open Windows Live Mail Files into Outlook

The professional solution is the best solution available to migrate all EML files to Outlook PST. It provides you direct solution with guaranteed success. You can move multiple EML files from Windows Live Mail to Outlook in just one go. It provides you solution of how to open Windows Live Mail files into Outlook with 100% accuracy and integrity. You can move EML files to Outlook all versions such as 2019, 2016, 2013, 2010, 2007 and 2003. Follow below mentioned steps to understand how the software works:

Step 1: Download CubexSoft EML to PST Converter in your system.

Step 2: Now load your file in the software by either clicking Select File or Select Folder option.

Step 3: Click Export button and choose Outlook PST in select saving option.

Step 4: Select location to save the PST file and then tap on the convert button.

Step 5: Finally a pop-up Windows open with a message “Saving Completed Successfully”. Click Ok to end the process.

Manual Method to Open Windows Live Mail EML File in PST

Warning: It is recommended to take backup of Windows Live Mail data before performing the steps. A single mistake may result in data loss.

Follow below mentioned steps to open EML files in Outlook PST:

Step 1: Open Windows Live Mail and MS Outlook in the machine.

Step 2: In Windows Live Mail, go to File tab and choose Export option.

Step 3: Now select messages from Open list.

Step 4: Next choose Microsoft Exchange and click Next to proceed further.

Step 5: A pop-up Windows opens with a message “All Email Will Be Exported to Microsoft Outlook or Microsoft Exchange”. Hit Ok button.

Step 6: Choose the folder which you want to export and then hit Ok button.

Step 7: Finally click on Finish button to end the process.

The manual method to move EML files from Windows Live Mail to Outlook does not provide guaranteed solution. The solution differ with each Outlook version. It is also mandatory to install both MS Outlook and Windows Live Mail in same machine.

Final Words

In this blog, we have discussed about two different ways to solve your query how to open Windows Live Mail files into Outlook. You can use both the method to open Windows Live Mail data in Outlook PST. However we recommend you to use professional solution instead of manual method for risk-free conversion. Download demo edition of EML Converter to know how the software works.

Continue Reading