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	<title>Start Being Rich &#187; Michael</title>
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	<link>http://www.startbeingrich.com</link>
	<description>How to use your time and effort better in order to earn and save more money.</description>
	<lastBuildDate>Sat, 30 Sep 2006 10:19:26 +0000</lastBuildDate>
	
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		<title>Saving Money on Life Insurance</title>
		<link>http://www.startbeingrich.com/2006/09/12/saving-money-on-life-insurance/</link>
		<comments>http://www.startbeingrich.com/2006/09/12/saving-money-on-life-insurance/#comments</comments>
		<pubDate>Tue, 12 Sep 2006 09:51:33 +0000</pubDate>
		<dc:creator>Michael</dc:creator>
				<category><![CDATA[Insurance]]></category>

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		<description><![CDATA[If you live in the USA, a great way to buy your life insurance is through www.termonly.com (it finds and connects you to insurance companies that sell term only life insurance).
For Australia, a site not quite as easy, but still usefull is www.artog.com.au (which  helps you find insurance and loans in Australia).
Term life insurance [...]]]></description>
			<content:encoded><![CDATA[<p>If you live in the USA, a great way to buy your life insurance is through <a title="Term Only Life Insurance" href="http://www.termonly.com">www.termonly.com</a> (it finds and connects you to insurance companies that sell term only life insurance).</p>
<p>For Australia, a site not quite as easy, but still usefull is www.artog.com.au (which  helps you find insurance and loans in Australia).</p>
<p>Term life insurance would be paid if you die in the time of the policy, the company pays to the policy owner. So, if you want the money to go to your partnerif you die, then that partner should own the policy in his or her name, covering you (not with a joint account).</p>
<p>So lets do a trial of the website:<br />
For example, say you are a 30 year old, 6 foot, 165 pound (75 kg) non-smoker living in Oregon. A 20 year, $500,000 policy would cost you $270 a year with GE Finanial (which has an A+ rating). A 20 year, $1,000,000 policy would cost you $490 a year.</p>
<p>Term only is a simple death policy, not a savings plan like whole life or other universal life policies (which have large sales commissions). I don&#8217;t think you should be trying to build up equity in a life insurance policy, you can do that yourself through your own investments.</p>
<p>Deciding where and how to buy life insurance can be difficult. I&#8217;ve been told a good book on how to buy life insurance is <em>Life Insurance from the Buyer&#8217;s Point of View </em>published by the <a title="American Institute for Economic Research" href="http://www.aier.org/">American Institute for Economic Research</a>.</p>
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		<title>A Summary of my aims</title>
		<link>http://www.startbeingrich.com/2006/09/07/a-summary-of-my-aims/</link>
		<comments>http://www.startbeingrich.com/2006/09/07/a-summary-of-my-aims/#comments</comments>
		<pubDate>Thu, 07 Sep 2006 11:27:00 +0000</pubDate>
		<dc:creator>Michael</dc:creator>
				<category><![CDATA[Introduction]]></category>

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		<description><![CDATA[Ok, so let me list some of the topics I hope to cover in this blog:
Motivation (I&#8217;m a terrible procrastinator so I&#8217;m sure many of you are too)
Work time allocation
Useful books
How to apply for jobs
Jobs suitable for anyone
Goal setting
Health and fitness
Wasting time
Bad habits
Reducing debt
Education
Saving money&#8230;&#8230;
and plenty of others.

]]></description>
			<content:encoded><![CDATA[<p>Ok, so let me list some of the topics I hope to cover in this blog:</p>
<p>Motivation (I&#8217;m a terrible procrastinator so I&#8217;m sure many of you are too)<br />
Work time allocation<br />
Useful books<br />
How to apply for jobs<br />
Jobs suitable for anyone<br />
Goal setting<br />
Health and fitness<br />
Wasting time<br />
Bad habits<br />
Reducing debt<br />
Education<br />
Saving money&#8230;&#8230;<br />
and plenty of others.</p>
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