DOWNLOAD AIB ROAST OF ARJUN KAPOOR AND RANVEER SINGH ALL THREE PARTS

AIB Knockout - The Roast of Arjun Kapoor and Ranveer Singh (Part 1) Download 

AIB Knockout - The Roast Of Arjun Kapoor and Ranveer Singh (Part 2) Download

AIB Knockout - The Roast Of Arjun Kapoor And Ranveer Singh (Part 3) Download 


 All India Bakchod's roast, which went live on YouTube on January 28, has been taken down by aib members because of continious rage and pressure from different sections of society and media.
On one hand MNS has threatened to oppose all kjo movies on other hand hindu maha sabha has lodges compaint against them.

so who still has not watched it...watch now here as its removed from youtube now

click the links and download AIB aka All india bakchod roast of ranveer sing and arjun kapoor

Valentine day Date sheet

7 to 14 feb days

7th rose day - Tum rose do woh roz degi

8th propose day -roz logay toh propose karo

9th chocolate day - hot chocoate sex kinkyyy

10 th teddy day-alarming......tedyyy hone wala hai

11 th promise day-promise karo ki hone wae teddy kay daddy tum banogay

12 th kiss day- consolation kiss

13 th hug day-life screwed

14 th valentine day- chuddd gaye tum

see what aib aka all india bakchods have to say on recent controversy about the roast

“I may not agree with you, but I will defend to death my right to get offended. How dare you? Baahar mil.” – Desi Voltaire
Dear everyone,
Let’s just all take a deep breath. They’re just jokes. Unfunny, crass or whatever you want to call them, they’re still just jokes. The AIB Knockout video has been taken down. While we’d love to claim that it’s because so many people watched it that it broke YouTube, the truth’s a little sadder.
First things first; no one person or force forced us to take this video down. This is not something that’s happened because of a 3 am phonecall or a morcha at our front door or a gunman on a grassy knoll. Under the circumstances, this is us being pragmatic. Allow us to explain.
People who’ve been following our work will know that we’ve always tried to experiment with content be it on Youtube or a live comedy show, with the sole intent of making people laugh and/or think. AIB Knockout was another such attempt to try something new and bring the roast format to a country where celebrities aren’t often known to laugh at themselves. To our pleasant surprise, we managed to bring together consenting adults who were willing to be made fun of by other consenting adults in a crowd full of (wait for it) consenting adults. And if we’re honest, it was a phenomenally entertaining evening. Were the jokes repetitive? Crass? It didn’t matter because they happened in the spirit of irony and good humour. It was just liberating to be able to say those things, things that people have thought in one form or another privately for years. A lot of the laughter that night came from that spirit (there’s your answer, people who wondered why everyone was laughing at terrible jokes).
The video came with a clear disclaimer with several age and content warnings. No one was forced to watch it, we didn’t buy airtime on every single TV channel on Earth to broadcast it. YouTube videos do not magically auto-play in front of you. And yet the videos got over 8 million views. Far more importantly, on the video page, the people who liked them outnumbered the people who disliked them by ten times to one. Yes, ten times.
The format was the same as any international roast i.e. insult comedy, delivered in the form of one-liners designed to be as rude as possible. It is performed with the understanding that none of the material is to be taken seriously—none of the performers actually mean the “offensive” things they say to each other on the night. We clarify this simply to provide context.
With the Knockout, in our own juvenile, idiotic way, we wanted to push the envelope of comedy in this country. But then the envelope pushed back. Things got to a point where people who have supported us, people who work hard to make what we do come to life, were put in a position where things could get deeply unpleasant for them. And that’s a problem. We can live with abuse, hate, anger, fury, rage, ignorance, bigotry and perhaps even bullying. But we don’t want anybody to get hurt because of us. And we do mean anybody.
We hope it’s clear by now that we never write with the aim of hurting people. That’s not our goal and we daresay that no comedian ever does that. We don’t go to work and say, “Hmm, let’s offend XYZ people from XYZ community today.” If we really wanted to piss off people and hurt them, we’d be selling credit cards over the phone.
Our job is to raid the newspapers, pop culture and life for observations and analogies and it’s okay if you think we’re juvenile or unfunny. We respect arguments that are critical, and as for the arguments we don’t, we respect your right to make them without impediment. It is a courtesy we wish worked both ways.
Over the last few days, we’ve found ourselves subject to more scrutiny, judgment and opinion than we’re worth. This Knockout shouldn’t matter. In a secure culture it wouldn’t matter.
We’re lucky to have support pouring in from all quarters. First up, from our fans, just the greatest people in the world, who have nothing but good cheer and encouragement and positive thoughts. We were pleasantly surprised that people in power who we have made fun of in the past, including people from both the so-called right wing and left-wing, went out of their way to convey support to us. It was fantastic to know that they stand for free speech as much as us. Friends in the media have told us to stay our course, pledging their support for our right to say anything, no matter how ridiculous. Thank you to anyone who has stated in the last few days that we have the right to say what we want, not as comedians but more importantly as citizens of this country.
There’s a larger cultural conversation going on here, where we’re at the very edges of what it’s okay to say. And it’s a conversation we need to have now because the world we live in is entirely too complicated to be run by silences. We still stand by our belief in the right to absolute freedom of expression for us and for anyone who has anything to say about anything at all. We hope to be part of an environment that supports that sort of expression without fear of persecution, intimidation and most importantly, annoyance. As always, in our own AIB way we’ll continue to strive towards creating that very environment.
In the meantime, we’d like to say thank you to our fans and everyone else who is standing by us. You guys make the struggle worth it. To everyone railing against us and against the stars that were present, to everyone who’s decided we’re destroying the fabric of our culture, to everyone who’s called us seditious pornographers while plotting the downfall of Indian Values And Civilization As We Know It, we would like to reiterate that we are just a bunch of comedians who work, and have always worked, without any malicious intent whatsoever.
We encourage any and all conversation on the subject of freedom of expression, for our own silly selves, and for people better, smarter and more courageous than us. For hundreds and thousands of artists, commentators and any and all citizens that do not have the privilege of social platforms and reach that we do.
We are also cooperating with the authorities and hope to resume normal service soon. We’d like some sort of cheerful resolution to this so we can focus on more important national issues, like the upcoming Cricket World Cup.
P.S. Best of luck Virat Kohli. Sorry for the jokes. We heart emoticon you.
P.P.S. It’s a good thing nobody’s downloaded the file and put it on a torrent website or anything.”

Cheap online isurance

You need to be well informed about this because some
insurance companies that make monetary losses from
some claims end up shifting that burden to the
consumer. You must look for an affordable indemnity
cover that will allow you to save some money.
Requesting indemnity quotes by filling simple online
indemnity questionnaires that are provided by
different indemnity companies; you can find and
compare indemnity rates online.
Following this simple way, you will be able to compare
indemnity coverage and premium quotes from
competing indemnity companies. This process can be
done in 15 minutes or less and you don't even need to
make a single call or being a part of the lengthy and
time consuming meetings with indemnity agents. To
find cheap indemnity rates online, you can also look
into other non indemnity companies' sites that have
the technology which will allow you to compare
indemnity premium quotes from multiple competing
indemnity companies in a few minutes by entering
your information.
One of the best ways to find out the best rates over the
net is to keep checking the quotes of various indemnity
plans. This will help the customers get the quotes of
their desired choice. The third party indemnity
companies can also be consulted for a comparative
analysis. Thus, it is very important to compare the
indemnity quotes before buying an  insurance scheme .
Given the current recession it is important to make
sure to prioritize your money and compare insurance
quotes online. A good place to state would be an online
website that actually allows you to compare insurance
quotes online for free.

Other types of Life Insurance

The life insurance policies are of many types. The principal types of policies are
discussed below:
(1) Whole life Policy :
Under this policy premiums are paid throughout life and the sum insured becomes
payable only at the death of the insured. The policy remains in force throughout the
life of the assured and he continues to pay the premium till his death. This is the
cheapest policy as the premium till his death. This is the cheapest policy as the
premium charged is the lowest under this policy. This is also known as ‘ordinary life
policy’. This policy is suitable to persons who want to provide for payment of estate
duty, make bequeathments for charitable purposes and to provide for their families
after their death.
(2) Limited payment life policy :
In the case of whole life policy there is one disadvantage in that the assured must
continue to pay the premium even during his old age when he is no more employed.
Under the limited payment life policy premiums are payable for a selected number of
years or until death, if, earlier. The assured knows how much he will be required to
payable only at the how long he lives. The sum insured becomes payable only at the
how long he lives. The sum insured becomes payable only at the death of the insured.
It is a suitable policy to meet the family needs.
(3) Endowment policy :
It runs only for a limited period or up to a particular age. Under this policy the sum
assured becomes payable if the assured reaches a particular age or after the expiry
of a fixed period called the endowment period or at the death of the assured
whichever is earlier. The premium under this policy is to be paid up to the maturity
of the policy, i.e., the time when the policy becomes payable. Premium is naturally a
little higher in the case of this policy than the whole life policy. This is a very popular
policy these days as it serves the dual purpose of family and ole age pension.
(4) Double endowment policy :
Under this policy the insurer agrees to pay to the assured double the amount of the
insured sum if he lives on beyond the date of maturity of the policy. This policy is
suitable for persons with physical disability who are otherwise not acceptable for
other classes of assurance at the normal tabular rates. Premiums are to be paid for a
selected term of years or until death, if earlier.
(5) Joint Life Policy :
This policy covers the risk on two lives and is generally available to partners in
business. Policies are however, issued on the lives of husband and wife under
specified circumstances. Sum assured becomes payable at the end of the selected
term or on the death of either of the two lives assured, if earlier.
(6) With or without profit policies :
Under the “with profit or participating policies,” the policy holder is allowed a share
in the profits of the corporation in the form of bonus and it is added to the total sum
assured and paid at the time of maturity of the policy. In the case of ‘without profit
or non-participating policies, no such profit is allowed. Premium in the first case is
higher and is lower in the later case.
(7) Convertible whole life policy :
This policy initially provides maximum insurance protection at minimum cost and
offers a flexible contract which can be altered at the end of five years from the
commencement of the policy to an endowment insurance.
(8) Convertible term assurance policy :
This policy meets the needs of those who are initially unable to pay the larger
premium required for a whole life or endowment assurance policy but hope to be
able to do so within a few years. It would also enable such persons to take final
decision at a later date about the plan suitable for their future needs.
(9) Fixed term (marriage) Endowment policy & education annuity policy :
It is a policy suitable for making provisions for the marriage or education of children.
Premiums are payable for a selected term or till prior death. The benefits are payable
for selected term or till prior death. The benefits are payable only at the end of
selected term. In case of the marriage endowment, the sum assured is paid in lump
sum, but in case of the educational annuity, it is paid in equal half-yearly installments
over a period of five years.
(10) Annuities :
It is a policy under which the insured amount is payable to the assured by monthly
or annual installments after he attains a certain age. The assured may pay the
premium regularly over a certain period or he may pay the premium regularly over a
certain period or he may pay a lump sum of money at the outset. These policies are
useful to persons who wish to provide a regular income for themselves and their
dependants.
(11) Sinking fund policy :
Such a policy is taken with a view to providing for the payment of liability or
replacement of an asset.
(12) Multipurpose policy :
This policy meets several insurance needs of a person – like provision for himself in
old age, income for his family and provision for the education, marriage or the start
in life of his children. It gives maximum protection to the beneficiaries in the event of
the early death of the assured, as it provides :
i) Regular monthly income during the unexpired term;
ii) Additional monthly income for a period of two years from the date of death;
iii) Payment of a part of the sum assured on death and
iv) Payment of the balance sum assured at the end of the selected period
On maturity the assured may get the sum assured in cash, in the form of monthly
pension, or an increased sum payable on death. Premiums are payable during the
selected term or till death, it earlier.

FAQ'S. About life insurance

Who Needs Life Insurance?
Your need for life insurance varies with your age and responsibilities. It is a very important part of financial planning. There are several reasons to
purchase life insurance. You may need to replace income that would be lost with the death of a wage earner. You may want to make sure your dependents
do not incur significant debt when you die. Life insurance may allow them to keep assets versus selling them to pay outstanding bills or taxes.
Consumers should consider the following factors when purchasing life insurance:
Medical expenses previous to death, burial costs and estate taxes;
Support while remaining family members try to secure employment; and
Continued monthly bills and expenses, day-care costs, college tuition and retirement.
What is the Right Kind of Life Insurance?
All policies are not the same. Some give coverage for your lifetime and other cover you for a specific number of years. Some build up cash values and
others do not. Some policies combine different kinds of insurance, and others let you change from one kind of insurance to another. Some policies may
offer other benefits while you are still living. There are two basic types of life insurance: term insurance and permanent insurance.
Term Insurance
Term insurance generally has lower premiums in the early years, but does not build up cash values that you can use in the future. You may combine cash
value life insurance with term insurance for the period of your greatest need for life insurance to replace income.
Term insurance covers you for a term of one or more years. It pays a death benefit only if you die in that term. Term insurance generally offers the
largest insurance protection for your premium dollar. It generally does not build up cash value.
You can renew most term insurance policies for one or more terms, even if your health has changed. Each time you renew the policy for a new term,
premiums may be higher. Ask what the premiums will be if you continue to renew the policy. Also ask if you will lose the right to renew the policy at a
certain age. For a higher premium, some companies will give you the right to keep the policy in force for a guaranteed period at the same price each year.
At the end of that time you may need to pass a physical examination to continue coverage, and premiums may increase. You may be able to trade many
term insurance policies for a cash value policy during a conversion period even if you are not in good health. Premiums for the new policy will be higher
than you have been paying for the term insurance.
Permanent Insurance
Permanent insurance (such as universal life, variable universal life and whole life) provides long-term financial protection. These policies include both a
death benefit and, in some cases, cash savings. Because of the savings element, premiums tend to be higher.
How Much Life Insurance Do I Need?
Ask yourself the following questions:
How much of the family income do I provide?
If I were to die, how would my survivors, especially my children, get by?
Does anyone else depend on me financially, such as a parent, grandparent, brother or sister?
Do I have children for whom I would like to set aside money to finish their education in the event of my death?
How will my family pay final expenses and repay debts after my death?
Do I have family members or organizations to whom I would like to leave money?
Will there be estate taxes to pay after my death?
How will inflation affect future needs?
Some insurance experts suggest that you purchase five to eight times your current income. However, it is better to go through the above questions to
figure a more accurate amount.
Tips on Buying Life Insurance
Make sure you feel confident in the insurance agent and company.
Decide how much you need, for how long, and what you can afford to pay.
Learn what kinds of policies will provide what you need and pick the one that is best for you.
Do not sign an application until you review it carefully to be sure the answers are complete and accurate.
Do not buy life insurance unless you intend to stick with your plan. It may be very costly if you quit during the early years of the policy.
When you buy a policy, make the check payable to the company, not the agent.
When I bought my life insurance policy, the agent said it would be "paid up" after ten years, but it’s been that long and I’m still getting bills.
Why?
Your contract (insurance policy) may provide for guaranteed interest rates and/or dividends the insurance company will pay on your premiums. But your
premiums must make very high earnings before they will "pay up" your policy. The company must stand behind items that are guaranteed in the contract.
Promises of "paid up" life insurance are illegal when based on non-guaranteed values. If you have documentation of the agent promising this, your state
insurance department may be able to help. Documentation would include any writing containing the promise -- even an informal, handwritten note or a
similar notation by agent.
Who can take out a policy on my life?
Only someone who has an "insurable interest" can purchase an insurance policy on your life. That means a stranger cannot buy a policy to insure your
life. People with an insurable interest generally include members of your immediate family. In some circumstances your employer or business partner
might also have an insurable interest.
Insurable interest may also be proper for institutions or people who become your major creditors.
Must my beneficiary have an insurable interest?
No. If you buy a policy on your own life, you become the owner of the policy. As the owner, you can name anyone as beneficiary, even a stranger!
What about companies that advertise “no physical exam?”
The insurance may be more expensive than if the company required a physical. Although there is no physical, you will probably have to answer a few,
broad health questions on your application.
Some life insurance ads claim “you can not be turned down.” What's the catch?
Such ads are for "guaranteed issue" policies that ask no health history questions. The company knows it is taking a risk because people with bad health
could buy their policies. The company balances the risk by charging higher premiums or by limiting the amount of insurance you can buy. The premiums
can be almost as much as the insurance. After a few years you could pay more to the insurance company than it will have to pay to your beneficiary.
Such policies may offer only the return of your premiums if you die within the first couple of years after you buy the policy.
Why is term life often called “temporary” insurance?
Insurance agents sometimes refer to term insurance as "temporary" because the term policy lasts only for a specific period. It is probably no more
"temporary" than your auto or homeowner insurance. Just like term, those types of policies provide coverage for a specific period of time, and must be
renewed when that period ends.
Why are some insurance agents reluctant to sell term insurance?
An agent may believe term is risky, but only because you could have a hard time buying a policy in the future if your health deteriorates or you cannot
afford the higher premiums. Commissions could also be a reason for an agent who discourages term. The agent often makes less money for selling term
than for other forms of life insurance.
What do I get when I buy term insurance?
You have bought and received the company's guarantee that if you die during the term of the policy, it will pay a death benefit to your beneficiary.
Does that mean I've wasted my money if I don't die?
No more than you have wasted money by buying car insurance but never having an accident. You've purchased peace of mind. With term life insurance, if
you die during the term, you know the company will pay your beneficiaries.
An insurance agent has suggested I switch term companies every couple of years to take advantage of the company's promotional rates in the
first couple of years. Anything wrong with that?
Nothing wrong, but there is always a risk when you switch polices that you could be subject to a new contestability period. You start a new, 2-year
contestability period anytime you switch . If you die during that 2-year period, the insurance company can (and probably will) investigate the statements
you made on your application . If you've given inaccurate or incomplete answers, the company may (and probably will) refuse to pay the death benefit.
I understand my permanent policy would be “fully paid up” at age 65. What does that mean?
"Fully paid up" means just that. You have made enough premium payments to cover the cost of insurance for the rest of your life.
What happens to the cash value after the policy is fully paid up?
The company plans to use the cash value to pay premiums until you die. If you take cash value out, there may not be enough to pay premiums. The
company could require you to resume paying premiums, or reduce the amount of the death benefit to an amount that the remaining cash value will
support.
I had a policy that was paid up; now I'm told I don't. What can I do?
You may have signed papers that permitted the cash value of your paid up policy to be used to pay for another, larger policy. If you're not sure or can't
remember, call the insurance company.
What is a “participating” policy?
That is a policy that may pay you dividends. You have a chance to "participate" in the company's earnings. A life insurance dividend is actually a refund of
part of your premium. When a company collects more money in premiums than it needs to pay death claims and maintain the insurance pool for future
claims, the company may pay dividends at the end of that year.
An insurance agent has suggested that I buy term instead of whole life. Does it makesense to buy term and invest the difference?
"Buy term and invest the difference" has been a popular sales slogan for term life. The pitch compares term, the least expensive form of life insurance,
with other kinds of life insurance.
Example:
$100,000 death benefit at age 35
Annual whole life premium: $1,800
Annual renewable term premium: $250
Difference: $1,550
What are your choices?
1. Buy whole life. The “difference” is used to keep your premiums lower than the actual cost of insurance as you get older.
2. Buy term. You keep the difference.
In addition, make sure you consider the following:
As you get older your term premiums will increase to keep up with the cost of insurance;
If you invested the difference, you could use your investment to pay the higher cost of insurance;
If you spent the difference you will have to dip into other savings to pay higher premiums; and
If your health deteriorates you may not be able to buy a new policy
For 10 years I paid the insurance company $1,000 every year. That's $10,000! But when I cashed in the policy they sent me only $5,800.
Where did the rest of my money go?
The rest of the money paid for insurance. You were entitled to only the cash surrender value — that is, the amount you had paid to "pre-fund" insurance
in your old age. The amount would have been even less if you had borrowed money that had not yet been repaid.
How much cash value is in my policy?
Read your policy. It has a table of cash values that should provide the answer. Call your agent if you are still not sure of the cash value amount.
What happens to the cash value in my policy when I die?
When you die, the insurance company will pay the death benefit. No matter how much cash value you may have had in the policy the moment before
you died, your beneficiaries can collect no more than the stated death benefit. Any loans you have not repaid (plus interest) will be subtracted from the
death benefit.
The result: your beneficiary could wind up with less than the face amount of the policy.
The exception: some whole life policies pay both the death benefit and the cash value when you die.

Make Sure Death Benefit Is Adequate

What kind of life insurance should you buy? That also depends. But keep this very important principle in mind:
* Tip. Whatever type of policy you buy, make sure it provides enough of a death benefit to meet your family's needs if you aren't there. When you consider buying life insurance, calculate what your family must have in terms of a death benefit. Don't lose sight of this number.
What kinds of life insurance policies are there? There are several, but keep in mind that the terms and costs of the policies vary widely among insurers.
There are two basic types:

1. term life, which is good for only a certain period of time, and,
2. cash-value, which is "permanent" insurance that also includes a buildup of value in cash in addition to your death benefit. You can borrow against your cash value. You can even take out some of that cash value, but your death benefit will be reduced.

What exactly is "cash value?" It's the part of a permanent life insurance policy not needed for so-called "mortality expenses." The greater your risk of dying, for whatever reason, in the near term, the greater your mortality expense to your insurer.
When young, healthy people buy life insurance, they have a very low mortality cost to their insurer (which is why life insurers are so willing to provide coverage to the young and healthy).

What You Need to Know about Term Life Insurance...

Term life policies provide coverage for specific periods of time, sometimes as little as one year. While you usually can renew term life policies for one or more terms even if your health has changed, there's potentially a big risk here if you get sick during the term.
* Tip. If your health does change, you probably won't be able to buy another term without watching your premium skyrocket. You should ask your insurer or agent what the premium will be if you continue to renew the policy.
* Note. You should also ask whether you will lose the right to renew the policy when you reach a certain age. Because this coverage is fairly cheap, it's often a good option for young people in good health who can't afford to buy "permanent" coverage.
Here are a couple of term life policy options:

1. Yearly Renewable Term Life -- This is coverage for a longer term, five, 10 or 20 years. The longer term also means that the costs to cover you are spread out so that you will avoid the potential for huge annual premium increases.
2. Convertible Term Life -- This is yearly renewable with the option to convert to a permanent policy in the future. The coverage, which often has the lowest cost and highest death benefit options of term insurance, can be a good choice for younger people who can't afford permanent coverage but who need a large death benefit and the option to convert to a permanent policy down the road.

What you need to know about Cash Value Life Insurance...

Cash-value life policies have premiums that are higher at the beginning than they would be for the same amount of term insurance.
The part of the premium not used to cover the yearly cost for mortality and other expenses is invested by the company and builds up a cash value that you may use in a variety of ways. Here are some specific examples of cash-value life insurance:

• Whole (or Ordinary) Life -- Like other cash-value policies, this is permanent coverage. The cost is literally stretched out over your entire life, or what the insurance company expects your entire life period to be. Life insurers have tables that tell them how long, on average, someone of your age and physical health will live.
  
  Say you want $500,000 in coverage. The insurance company's rates are based on how much they need to charge you in order to allow the company to recoup the eventual death benefit while you are alive. The premium and the death benefit don't change much in whole life policies. You pay so much a month for a given death benefit. However, dividends to policyholders can increase the coverage or decrease the premium.
• Universal Life -- This is the flexible life insurance. You can change your premium and your death benefit at any time, although a substantial increase in the coverage usually requires you to prove you are still in good health.
• Variable Life -- This is a hybrid whole/universal coverage in which the death benefit is dependent on the investment performance of the insurance company's assets. And you get to choose the investment vehicle -- money market fund, bond fund or stock fund -- for your premium.

* Note. If your investments do well, your policy's cash value and death benefit will increase. If not, they'll go down, but most variable life policies won't let your death benefit drop below a certain level. However, it's possible a company will charge you for a guaranteed death benefit.
Which type of policy is best for you? In general, if you have significant assets, it's better (and less risky) to have some sort of cash-value policy. But which one? It's more important to buy the coverage from an insurer that has the best chance of performing well in the future; an insurer that has low actual expenses and mortality costs. Such an insurer will be able to offer better terms, including higher death benefits, higher cash value and lower premiums.
* Tip. But, again, there are more than 2,000 companies selling life insurance in the United States. As a result, you have thousands and thousands of options. This makes it even more imperative that you have a trained insurance professional analyze your financial situation and determine what kind of policy, from which insurer, is best for you.

How long a term for term life insurance?

Secrets to determining how long you'll need life insurance coverage.

Agents like to talk about policies you can keep throughout your life. What they sometimes won't tell you is that you don't need life insurance coverage throughout your life.

The secret to buying a policy with the right term is figuring out how long you need to be insured. You start by estimating when your children will be out on their own and no longer in need of your financial support.

So if your children are 3 and 5 now, you'd probably want a policy that covers you at least until the youngest is 22, so that's about a 20-year term. But this depends somewhat on your age as well.

Say you also want to cover your spouse for your lost income until what would be your normal retirement age, 65, and you're only 35 now. Then you would want a 30-year policy.

Keep in mind that insurance gets very expensive as you leave your 50s. So you may pay more to cover yourself until 65, even if you lock in a level-premium, 30-year policy when you are 35. Coverage past age 70 or so may be unattainable.

Life insurance is not a substitute for a retirement plan. You want to plan so that you'll have enough to live on when you retire, and you won't have to keep paying insurance premiums.

There are exceptions, however. People who start families late in life, or who have complex estate-planning issues, may well have a need for life insurance beyond the customary retirement age.

One more thing: Steer clear of so-called mortgage insurance policies, which pay off the balance on your mortgage if you die. The problem is that you are paying for a steadily declining amount of coverage, as you pay down your mortgage. It's best to include the mortgage payments in your calculations when determining how much coverage you need.

How much life insurance coverage to buy

 you're going to buy life insurance, make sure you've got enough.

There is no simple answer to how much coverage is enough.

Some financial planners say you need enough insurance to replace five to seven years of your salary. If you have young children or significant debt, you should bump up your coverage so you have enough to replace as much as 10 years of your salary, they say. That would mean a person making $50,000 a year should have anywhere from $250,000 to $500,000 worth of coverage or more.

Remember, the sole purpose of life insurance is to replace your income in case you die, so that your dependents can maintain their current lifestyle.

Factors to consider include whether the surviving partner will have child care expenses if one partner is out of the picture. Do you have other assets on which to draw? Will your children be out of the nest soon? These, and many other factors, influence the decision on how much coverage you need.

Buying a whole-life policy doesn't necessarily mean you are fully insured. Because of the investment component of whole life, the policies are much more expensive than term. Don't simply buy less coverage, as it defeats the purpose of buying insurance in the first place: to cover dependents.

Strategies for buying life insurance

Getting the right life insurance policy at the right price can be incredibly easy or very difficult.

Life insurance is a highly competitive business, in which the salesforce depends almost entirely on commissions.

Insurance companies pay fat commissions for selling whole-life policies; perhaps 80% of your first year's premium goes to the agent. Commissions for selling term-life policies amount to roughly the same percentage of first-year premiums. But since whole-life premiums are much higher than premiums for term-life policies with the same death benefit -- they can be five to ten times more -- agents make much more money selling a whole-life policy than they do selling a term policy.

It's no wonder, then, that agents push whole-life policies as if their livelihoods depend on it, because, well, they do. If whole-life policies were beneficial to consumers, our story would end here. The fact is the vast majority of those who need insurance should buy term.

Today, the annual premium on a $500,000 term policy for a healthy, nonsmoking 40-year-old male might be about $500. The same policy for a healthy woman, aged 30, might cost about $260 annually.

Not long ago you couldn't buy term policies with level premiums for periods of more than 10 or 15 years. Today you can easily find 20- and 30-year term policies.

Agents will argue that whole-life policies are superior because you can keep them the rest of your life and build up cash in them tax-free, which can then be borrowed.

That's true, but they don't tell you about the high fees and commissions built into whole life as well as surrender charges (if you want to cancel the policy) that often leave you with little or no cash value five and even 10 or 15 years after you take out the policy.

The point of a tax-free buildup of cash just isn't that powerful anymore, given the proliferation of IRAs, 401(k)s, and other tax-advantaged savings vehicles that have tiny commissions, much higher yields and complete portability.

So stick with term, and do your investing elsewhere.

Types of life insurance policies

There are two basic kinds of life insurance policies: whole life and term insurance.

Whole-life policies, a type of permanent insurance, combine life coverage with an investment fund. Here, you're buying a policy that pays a stated, fixed amount on your death, and part of your premium goes toward building cash value from investments made by the insurance company.

Cash value builds tax-deferred each year that you keep the policy, and you can borrow against the cash accumulation fund without being taxed. The amount you pay usually doesn't change throughout the life of the policy.

Universal life is a type of permanent insurance policy that combines term insurance with a money market-type investment that pays a market rate of return. To get a higher return, these policies generally don't guarantee a certain rate.

Variable life and variable universal life are permanent policies with an investment fund tied to a stock or bond mutual-fund investment. Returns are not guaranteed.

The other type of coverage is term insurance, which has no investment component. You're buying life coverage that lasts for a set period of time provided you pay the monthly premium. Annual-renewable term is purchased year-by-year, although you don't have to requalify by showing evidence of good health each year.

When you're young, premiums for annual-renewable term insurance are dirt cheap - as low as a few hundred dollars per year for $250,000 worth of coverage.

As you get older, premiums steadily increase. Level-premium term has somewhat higher - but fixed - premiums for longer periods, anywhere from five to 30 years.

Choosing the right life insurance

1. All policies fall into one of two camps.

There are term policies, or pure insurance coverage, and the many variants of whole life, which combine an investment product with pure term insurance and build cash value.

2. Insurance is sold, not bought.

Agents sell the vast majority of life policies written in the U.S. because the life insurance industry has a vested interest in pushing high-commission (and high-profit) whole-life policies.

3. Whole life is expensive.

Policies with an investment component cost many times more than term policies. As a result, many people who buy whole life often can't afford an adequate face value, leaving themselves underinsured.

4. Whole-life policies are built on assumptions.

The returns quoted by the agent are simply guesses - not reality. And some companies keep these guesses of future returns on the high side to attract more buyers.

5. Keep your investing and insurance strictly separate.

There are better places to invest - and without the high commissions of whole-life policies.

6. Buy enough term coverage to fill your needs.

Life insurance is no place to skimp, especially with generally low rates.

7. Match the term of the policy to your needs.

You want the policy to last as long as it takes for your dependents to leave the nest - or for your retirement income to kick in.

8. Buy when you're healthy.

Older people and those not in the best of health pay steeply higher rates for life insurance - so buy as early as you can, but don't buy until you have dependents.

9. Tell the truth.

There's no sense in shading the facts on your application to get a lower rate. Be assured that if a large claim is made, the insurance company will investigate before paying.

10. Use the Web to shop.

Samsung galaxy S4 buy or not??

Without going into too much detail, let’s have a.......
look at some of the main pros and cons of the
Samsung Galaxy S4. To put these into context,
we’ll draw some brief comparisons with its main
competitors – the HTC One and the Sony Xperia Z
– where appropriate. Some of these factors alone
could be enough to influence a buying decision
and certainly worth considering if you’re
interested in buying the S4.
For more detailed comparisons you may be
interested in some of the other Samsung Galaxy
S4 vs HTC One content that we’ve posted.
Samsung Galaxy S4 Pros

Removable battery –

this is a big plus – it gives the opportunity to
manually power the phone down should it freeze,
facilitates accessories such as the Galaxy S4 flip
cover (which replaces the back cover to clip to
the handset, thus adding less bulk than other
cases) and also enables a third-party extended
battery to be attached if/when it’s released. The
HTC One and the Sony Xperia Z do not have
removable batteries.

Repairability –

early reports have suggested that
the Galaxy S4 should be very easy to repair should
the situation arise. This is in stark contrast to the
HTC One, which was given the lowest repairability
score possible by iFixit.

MicroSD slot –

for some the inclusion (or lack of)
expandable storage can make or break a purchase
decision. The inclusion of a microSD slot with the
S4 gives the opportunity to expand the storage by
64GB. The Xperia Z can also take a microSD card
up to 64GB, whereas the HTC One does not have a
slot at all.

MHL 2.0 – Less wires when connecting the S4 to a
TV. Using MHL 2.0 means that an external power
source (microUSB charger) is not required to
power the MHL adaptor, making it more
convenient to connect and more portable. The
Xperia Z and the HTC One do need the MHL cable
to be powered.
Smaller and Lighter than the competition, but
still manages a 5″ display. It’s only ~15g lighter
than the One and the Z, but beats both with its
dimensions measurements as well.
Newer version of Android – All three handsets
run Jelly Bean, but the S4 runs Android 4.2.2 out
the box whereas the others run 4.1.2. There isn’t
a huge difference between the two versions so not
too big a factor to consider, but is perhaps
indicative of Samsung being quicker to update its
handsets to the latest version of Android.

Wireless charging - a nice feature but not all that
important in terms of functionality. It’s also worth
noting that additional accessories are required
(release date awaited) so it is not offered out of
the box.
Accessories – overall the S4 has the most diverse
range of accessories compared to other handsets.
However, it should be mentioned that Samsung
has disappointed customers in the past by delaying
or not fulfilling accessory promises. Wireless
charging for the S3 as announced but never
released, for example. The situation looks better
this time around though and some stock of
protective accessories such as cases has already
started to arrive.
Built in TV remote – A useful, but not essential
feature to have. This is also included with the HTC
One.
Eye tracking – The S4 has several eye tracking
features included which are its main differentiator
when it comes to software.
Multi window (split screen mode) - another
software element that is unique to Samsung
handsets. It was first introduced with the Galaxy
Note II, but is now included with the SGS4. This
feature enables you to view two apps at once,
which is particularly useful for web browsing,
checking email and reading through documents.
Officially there are only certain apps that work
with multi window, but there’s a hack for the Note
2 to force the feature for other apps, so there will
likely be one for the S4 as well.
AirView - the ability to preview content by
hovering a finger over it – no need to touch the
screen. Hovering over the S Planner (calendar),
images, videos and more will activate the content
as though it’s been clicked.
[image name=samsung-galaxy-s4]
Samsung Galaxy S4 Cons
Not IP57 rated - Usually we wouldn’t look at this
as a disadvantage as it’s only been available in
smaller, bulkier handsets. However, now that Sony
has included it with its
Xperia Z flagship, it warrants a mention alongside
similar devices such as the S4.
Small internal storage (16GB) - This isn’t a huge
problem as microSD storage can be used (up to
64GB), but many users would prefer a large
internal storage as well. Samsung often announces
larger memory variants of its handsets (32GB and
64GB), but in the past availability of these has
been poor. The Xperia Z has the same memory
options as the S4, whereas the One has only 32GB
internal.
Price - It’s the most expensive Android handset
out there and significantly dearer than the Z and
the One.
Design - aesthetically the S4 isn’t as pleasing as
the HTC One and its plastic design feels less
premium than the aluminium of  the One. It
should be noted however that plastic does have
advantages from an industrial point of view, such
as being more flexible and not heating up so much
compared to metal. The S4 also looks similar to
the S3 and other Samsung Galaxy handsets.
Sound – The sound on the Samsung Galaxy S4 is
good, but won’t be as good for music playback
and recording as the HTC One, which has dual
front facing speakers and a dual membrane in the
microphone for recording. See this comparison
between the One and the S3 for reference.
Conclusion
Hopefully this has given you a rough overview of
some of the main pros and cons of the S4. There
are many more comparisons that can be drawn
between the S4 and other devices, especially
when it comes to software, so please feel free to
point out in the comments any that you feel to be
of particular significance.

Health Insurance: Need Or Necessity

Including various other insurance policy, medical health insurance protects a person financially. With medical health insurance, a person safeguard by yourself as well as your family in case you or maybe someone close needs medical care, that could possibly be very costly.

Regardless of whether that you are wedded or maybe single, have got kids or maybe simply no kids, you should buy inexpensive medical health insurance. It offers you the particular relief connected with learning a person and your household will probably receive the attention you need.
What if a person don’t have got medical health insurance?

Should you don’t have got medical health insurance, you will need to cover the healthcare from the unique wallet in the time assistance. Medical could be costly—often quite a few 1000s of dollars for the considerable illness. A simple wellbeing strategy aids make certain that, should you or maybe someone close needs medical care, very easy produce a economic crisis. In addition, it aids guarantee you will receive the top quality healthcare that you'll require, at any given time.

It’s unattainable to foresee the professional medical costs. Many several years, the professional medical charges can be low. But should you turn out to be i'll, the costs could possibly be quite high. Should you have medical health insurance, lots of the charges usually are included in this insurance company (a 3rd party payer), certainly not by a person. Receive a free, no-obligation offer with medical health insurance on your own, your household, or maybe someone close, and you might possibly be astonished on exactly how inexpensive it may be.
Will you be a newly released grad or maybe fresh adult?

Many latest graduates and over 16 neglect to understand why they need medical health insurance. They check out independently as "healthy, inch and insurance plans for needless price. This can be a very unsafe state of mind with possibly harmful economic penalties

Never inside our existence usually are many of us defense to incident and personal injury. This really is accurate even when you're fresh. Sports-related accidental injuries, vehicle accidents, and health problems necessitating medical assistance could happen on any kind of age group. When getting started within your job, a person shouldn’t consider raise the risk of obtaining the burden of an huge medical bill as you acquired hurt or maybe sick and tired and didn't have got medical health insurance.
Medical health insurance protects the economic potential

Medical health insurance is usually a fundamental building block inside route to a sound economic potential. Recent grads along with other over 16 can be certainly not included in parents’ medical health insurance. They should be invest in wellbeing insurance—even a new short-term coverage until eventually there're protected under a good employer’s plan— so that you can safeguard independently and be sure they can afford the attention they need, at the least regarding an accident or maybe considerable illness.

PC TRICKS AND TIPS

You may have noticed that everytime you open my computer to browse folders that there is a slight delay. This is because Windows XP automatically searches for network files and printers everytime you open Windows Explorer. To fix this and to increase browsing significantly:

1. Open My Computer
2. Click on Tools menu
3. Click on Folder Options
4. Click on the View tab.
5. Uncheck the Automatically search for network folders and printers check box
6. Click Apply
7. Click Ok
8. Reboot your computer

create a folder without name

1. Select any folder
2. Right click on it,press rename or simply press f2
3. Press and hold alt key while holding alt key type no. 0160 from numpad
4. Press enter and nameless file and folder will be created

use numpad not simple horizontal number keys

 Shutdown Your Pc in 3seconds..

You can shutdown your computer within 3seconds.. yes it is possible.. simple trick
follow the steps:

1.press Ctrl+Alt+Del. It opens task manager.

2.Go to shutdown Tab.

3.Now Press and HOLD Ctrl key and then click TURN OFF option.

NOW YOUR COMPUTER WILL TURN OFF WITHIN FEW SECONDS

CALL UR FRIEND WITH HIS NUMBER::!!!!!

Hello Friends after "Make Free Phone Calls From PC to mobile for free" hack today I am sahring With you a extremely Nice Prank or you can simply say Hack i.e "How To Call Your Friends From THeir Own Cell Number".
Mobile hack to call your friends:

1. Go to http://www.mobivox.com and register there for free account.
2. During registration, remember to insert Victim mobile number in "Phone number" field as shown below.
3. Complete registration and confirm your email id and then login to your account. Click on "Direct WebCall".
4. You will arrive at page shown below. In "Enter a number" box, select your country and also any mobile number(you can enter yours). Now, simply hit on "Call Now" button to call your friend with his own number.
5. That's it. Your friend will be shocked to see his own number calling him. I have spent last two days simply playing this cool mobile hack prank.

TOP PC GAMES

They say you can’t get something for nothing, but now that the free-to-play gaming model is taking the industry by storm, that couldn’t be further from the truth. Nowadays there are hundreds of games you can download and start playing without paying a single cent, and some of them are just as polished, graphically impressive, detailed, and engrossing as some of the most well-known retail releases on the market. We know that there are plenty of you out there that are gaming on a budget, so to help you in your search for a free game we’ve put together this list of the best free PC games you can get. 

Stable Releases

Planetside 2

Although it went through various rounds of beta testing for more than a year, the much-anticipated MMOFPS Planetside 2 was officially released in late 2012, instantly setting the standard for free-to-play MMO’s in the process. The scale of this game is breathtakingly large, the graphics are stunning, and the gameplay is sheer insanity. Players choose to play as one of thee rival factions constantly vying for control over the map, and can pick between a number of different classes before entering the battlefield. Whether you’re infantry, artillery, or air support, it’s pretty much guaranteed to be chaotic.
Blacklight Retribution

There are dozens of polished, high-end free-to-play FPS’s out there, but what makes Blacklight Retribution stand out is it’s level of customization. Even with console games thrown into the mix, this is one of the most customizable games we’ve ever come across – you can tweak just about anything on your character to suit your particular style of gameplay. As with any card-carrying FPS, Blacklight Retribution comes with all the requisite gameplay modes you’d expect, including deathmatch, capture the flag, and a co-op survival mode.
RuneScape

We just couldn’t make a list of the best free games without mentioning RuneScape. The game has been around as a stable release for nearly a decade, and even though it wasn’t always as graphically polished as it is today, it’s still gained a massive following for it’s wide-ranging and diverse MMORPG gameplay.
Star Wars: The Old Republic

Feinding to get into a lightsaber duel ever since you re-watched the original Star Wars series on blu-ray? Get your fix with Star Wars: The Old Republic (SWTOR), an MMORPG developed by BioWare, the same guys who make Mass Effect. Truth be told, it’s not entirely free – if you play for long enough you’ll come across some irritating restrictions, but you can play through all eight class stories and compete online without paying a dime, so it’s got plenty of worthwhile free content.
League of Legends

League of Legends is, by many accounts, the most-played PC game in the world. It’s got a massive user base that stretches across the globe, and that’s not by coincidence. The fantasy RTS game is incredibly strategic and competitive, which makes it highly addictive. With so many players online at any given moment, there’s almost no question that you’ll be able to find a match against somebody with a similar skill level.
Team Fortress 2

Although it might not look that impressive in the graphics department, this class-based shooter developed by Valve boasts some of the best FPS gameplay around. It’s incredibly well-balanced, so every character class has a weakness that can be exploited with the right equipment. You can snag it on Steam right now without paying a single cent, and we highly recommend you do.
Need for Speed World

Looking for a good MMO racing game? Look no further. NFSW (not to be confused with NSFW) is the cream of the crop when it comes to online racing. It features a huge open world for you to explore, and gives you free reign to drive around and enter competitions with whomever you like. The game wasn’t that great when it was released back in 2010, but thanks to a boatload of updates and bug fixes over the years, NFSW is your best bet for free racing games.
APB Reloaded

If you’re the type of person who can’t make it through a Grand Theft Auto game because you think it’s just too much fun to get in gun fights with the cops, then this game is for you. At it’s core APB is just a simple cops v criminals game, but it’s got plenty of other gameplay dynamics that make it much, much more. As you gain notoriety and your reputation starts to grow, so too does the target on your back, as other players will get a bigger bounty for bringing you down.

Beta Games

The following selection features titles that haven’t officially launched, but are currently in open or closed beta so you can still play them free of charge. They might still have a few bugs and glitches here and there, but in most cases the kinks are hardly noticeable.
Hawken

Mechs are traditionally known to be slow, clunky, lumbering monstrosities, but that couldn’t be less true of the mechs in Hawken. These badboys are quick, agile, and fully customizable, so you can equip yours with whatever weapons suit your particular style of play. Its essentially an FPS, but with mechs instead of human soldiers. It’s also got some really unique gameplay modes (check out Siege) and sports some there richest, most gorgeous maps you’ll ever lay eyes on.
Warface

Crytek (the makers of the Crysis series and the original Far Cry) announced this title all the way back in 2011. It is fast approaching its one year anniversary in Russia, but after a boatload of testing rounds, the game is almost ready for release around the world. You can hop into the open beta right now and enter the fray as one of four different classes: Rifleman, Engineer, Medic, or Sniper. The game runs on CryEngine 3, so you can expect the same jaw-dropping graphics and smooth gameplay as you get with high-end paid games, but without forking over a single dime. It hasn’t been officially released yet outside of Mother Russia, but it already has a registered user base that numbers in the millions.
World of Warplanes

Love flight sims and dogfighting games? Well fire up the Top Gun soundtrack and bust out your joystick – this game is everything you’ve ever wanted. Developed by the same people who brought us World of Tanks, WOWP applies the same formula to air combat. Take to the skies in your own custom-built plane and compete against thousands of other people in huge team-based battles or one-on-one dogfights – the choice is yours.
Command and Conquer Free to Play

Command and Conquer is a staple of the RTS genre, and their upcoming F2P title is easily one of the best we’ve seen in the series yet. It’s the same strategic gameplay you know and love, but built on the Frostbite 2 Engine, so it’s far more detailed and graphically impressive than any of it’s predecessors. EA designed this one to be new and refreshing to CnC veterans, but also easily accessible for newcomers.
MechWarrior Online

They might be slow and clunky in comparison to those in Hawken, but that doesn’t make the mechs in MechWarrior Online any less fun to romp around in. Hop into the cockpit of your own fully-customized bipedal robot and duke it out with other metal monstrosities in spectacular 8v8 matches. Like a few other free-t0-play titles set for official release later this year, this game is built with CryEngine 3 – so it’s on par with (or better than) a lot of currently available console games.

Read more: http://www.digitaltrends.com/computing/best-free-pc-games/#ixzz2RZRc45fc
Follow us: @digitaltrends on Twitter | digitaltrendsftw on Facebook

Top 5 android games

TOP 5 GAMES OF ANDROID:

Temple Run 2:

The successor of the Previously Most downloaded and played game in the android/IOS markets Temple Run.When i first saw this game played by my friends i really thought what’ s there in this game which is so addictive?Believe me it has been drastic change in my views.Now i play it everyday in my smartphone.It all about jack stealing the IDOL and the monsters chasing him.Travelling distances generates the points.Collect gold and unlock characters and increase abilities.
You can go here on the google play store . Now the point is that it is atmost free.

Subway Surfer:

Subway surfer is another Epic game to play when you are bored waiting for a train,catching a flight or when you are on your restroom.Subway surfer is where the character Dash and Dodge the trains and collect coins to earn points.It runs smooth almost on all the smartphones which has android 2.3+.Using the powerups to buy skateboards and other characters.The game gets fun when you can understand the logic and have some tips to overcome the challenge.
You can get here free from Google play store.

Need for Speed™ Most Wanted:

Now here comes the action packed games for the racing freaks out there.Electronic Arts introduces a android and Ios version of the most Played PC/PS2 Game NFS most wanted.It involves downloading of 500+ mb of data before playing the game so be sure you play it with good 3G or Wifi for Better speed.The game is full of pursuit sequence,drag races and race cars such as SRT Viper GTS, Porsche 911 etc.It also requires around 2000 mb free on your SD card.Be a Underground bragger Become bigger,Notorious and GET most wanted to become the NO 1 in Street racing.
You can buy the Game for Small amount as it encourages the developers to build more entertaining products or still it is your wish.

ANGRY BIRDS:

Another Reason to say Android games is leading the game. We notice 3/5 every android device is filled with this Wonderful Game.It comes out in some different version which is free and paid. It is also one addictive game to fill your free time and your Droid.Passing the levels where the angry birds destroys the Pigs leading to the retrival of the eggs.It has also the star wars HD version which is a paid one seems to pretty good.Do check out the various version on the google play market.

Asphalt 7: Heat:

Asphalt 7 is another heating racing Game which covers some good graphics.It has race tracks around set in real cities around the world .Challenge a lot of rivals on the Dirty Race.It has also a very good graphics which makes the playing time smoother and more interesting.This game has giving me nice experience in the vivid display based phones and seeder app to make the run time of the game smoother.
Head over to the Google playstore to buy this wonderful game.