The answer to how much the cost of life insurance is much trickier than you think. You'd need coverage if there are people depending on you. For this, you'll have to find out if you need life insurance, which type caters to your needs and then calculate the total cost of life insurance you'll have to pay annually. Be clear about what your personal and financial situation is, what risks you're living with, and what are the ones that you want to mitigate. Here are some questions you should be able to answer. Would You Need Life Insurance? If you have family or other who are financially dependant on you, then investing in life insurance is a must. Which Type Of Insurance Is Required? If you want to protect your family from a business shutting down or want them to have an income after death, then go for universal life insurance. If you're concerned about protecting your family, then consider term insurance. How Much Is The Cost Of Life Insurance? This is a straightforward question which ultimately decides what you're going to get. Think about how much debt you have, what your monthly savings are, and what expenses you have to bear. It isn't possible to protect your family without having a clear idea of what you actually need to protect them. Note that it's impossible to pinpoint the exact cost of life insurance you should get. But with a good idea of what you want from your life insurance, you can make an educated guess. Tips To Help You Choose Life Insurance To understand how much the cost of life insurance should be, you'd have to look at an average American's financial history. Here are a few tips that experts recommend you look into. Determine Your Liabilities: If you aren't confident, you can seek the assistance of a financial counselor. They'll help you develop a commendable sense of your situation to build and protect your finances. To understand how much your liabilities are, you'll have to take into account your monthly utility bills and other loans you're paying at the moment. Calculate Monthly Expenses If Something Goes Wrong: When you're calculating the cost of your liabilities, you'll have to calculate what the monthly fees are if you're suddenly injured. Even if you're careful, this is a worst case scenario which gives you an idea of what you'll be paying. Your monthly payments would increase when you pay medical bills. This is obviously in addition with your regular expenses. Tally Up What You Get: After considering the last two factors, you'll arrive at what you'll be paying. You should also include the chances that you'll live at least 10 or 20 years after any accidents. Add a 3 percent annual inflation figure to the estimate to determine the total insurance coverage. The yearly cost of life insurance for the same coverage can vary from provider to provider. That's why you should choose something that suits you best.

Growing up in the 90s without all of the today's technology was a time every 90s kid misses. The simplicity of technology, toys, gadgets, music systems, clothing styles, etc. are some of the most cherished memories of the 80s and 90s. However, the best part about trends is that they always come back after years! The fashion and entertainment industry has realized that some 'old school' trends are really not that old, and when revamped well, can be a total hit again! Here are a few trends from the past that are gradually making a comeback.

• Flip cell phones The joy of cancelling a call or shutting the phone after an angry mobile conversation was the most satisfactory thing about slide mobile phones. Apart from being the coolest gadget to have on the block, these were the handiest cell phones which protected the screen from scratches and keypad from punctures. Cell phone companies have finally realized how durable slide mobile phones and flip cell phones are and have now started to push these into the market again. The new flip cell phones are updated with the latest technology and user interface to be at par with the current smartphone trend. These are also a more affordable option if you are looking for a cell phone on a budget.
• Cassettes A lot of music artists these days have started to go 'old school' and have started releasing their music on cassettes along with with CDs and Apple music! This means that the old school cassette players are also going to be making a comeback. If we've learnt anything from the 90s, it's that trends catch on like wild fire. Let's face it, cassette players were super fun growing up and our parents still have their old music collection on these cassettes. Let's not forget how durable these are as compared to CDs which stop working properly after a few scratches on the disc!
• FM radio systems Most of the smart phones these days don't have an inbuilt FM radio system which means you need to download an app to just listen to something as basic as radio! With the advancements in technology, FM radio sets have become a thing of the past and have started to get replaced with fancy sound systems for the house. However, electronic companies have realized that FM radio systems are some of the most basic devices/gadgets that are used by households especially grandparents who are not well versed with smart phones. FM radio systems have finally come back looking classier than ever and as affordable as they were in the 90s!

BMI or body mass index, is the measure of body fat with respect to your height and weight. It is important to get your BMI checked, as it is responsible for your physical fitness. It is applicable for everyone over the age of 20. BMI was derived from a mathematical formula. It was formulated in the 1830s by Lambert Adolphe Jacques Quetelet (1796-1874). He was a Belgian mathematician, astronomer, statistician, and sociologist. BMI is a number that denotes the amount of fat that is present in the body divided by weight in kilograms by height in meters squared. You can measure your BMI using a BMI calculator. Here's how you can calculate your BMI! BMI = weight(kg) / height2 (m2) (Metric Units) BMI = 703*weight(lb) / height2 (in2) (U.S. Units) Why it is important to know your BMI? Knowing your BMI could help a doctor determine your overall fitness and your risk of developing chronic diseases. It helps one categore themselves into 3 basic states of fitness. BMI calculator helps one determine whether you are underweight, average/ideal or overweight/ obese It is different for each gender! It is possible for two people to have the same BMI even if they have different body types. A man could have a BMI of 21.2 and still look buff while a woman too can have the same BMI and look slim and slender. As a matter of fact, women are known to have more fat content in their bodies while the men are known to have more muscle mass. Even babies upon their birth undergo a BMI check. It determines their physical health. The ideal BMI! Following are the various measures of BMI that can help you analyze your fitness level. Underweight- The BMI which falls lesser than 18.5. Ideal Weight- The BMI which ranges between 18.5-24.9 is considered as normal BMI. Overweight- The BMI which ranges over 30. The people whose BMI falls in this category, are known to be obese or overweight. Limitations of BMI Scientifically, BMI is the weight of the fat content in the body and not the actual body weight. So, factors like age, sex, race and ethnicity can have an influence on the relation between the fat content in the body and the BMI. How to maintain a healthy BMI? The mantra to be followed here is to monitor your daily activity and keep a tab on your diet. The only way one can maintain a healthy BMI is by exercising regularly and eating the right kind of food.

Once upon a time, the use of the internet was limited to personal computers. Mobile phones were only used to make calls, or at times to send text messages and play games. But, we are living in an era of change and development. One aspect of development is technology. It's changing with each passing day and this change is for the good. Same can be said about the changes that are emerging in the field of Internet and phones. The internet is no longer limited to personal computers. Mobile phones are not purchased solely for making phone calls. The technology of internet and mobile phones have become intertwined. This rise in the technology eventually made way for the development of mobile apps. At present, there are mobile applications for almost anything and everything a person can do! Mobile banking apps, internet shopping apps, social media apps, cookery classes apps. you name it, and mobile apps have you covered. The use of smartphones and mobile apps is no longer a luxury. For certain groups of society, the use of smartphones and mobile apps is a necessity. The dependence of a considerable proportion of the population on mobile apps, however, does not come as a shock. Many of the day-to-day and most used mobile apps are available for installation free of cost. There are in-app purchases which cost money, but the basic use of many apps are free of cost. Most apps are available for almost all platforms, with an option to sync the activities. Moreover, the use of mobile apps is simple and free of hurdles. What are mobile apps? Mobile apps or mobile applications are application software. The software is created to operate on mobile devices like smartphones and computer tablets. Mobile apps are designed to provide users the services which are otherwise used via PCs. Mobile app development The process of designing and producing apps is known as mobile app development. The process of mobile app development and web development are similar. However, there is one major difference between the two. The former is designed particularly with a peculiar mindset. They are developed to use the benefits of the special features of the mobile devices. Companies mostly develop apps which are compatible with multiple operating systems. Which means the same app can be used on the Android devices as well as iOS devices. However, the functionality may vary from device to device. For instance, a social media app offering the service of video call may not be able to render the same service on devices which don't have front camera. The functionality of the mobile apps depends hugely on the device it is being used on.

If you are going after radiating and glowing skin, you must exfoliate your skin. There is no way around it. After all, it is exfoliation that helps in the making the skin look young and desirable. Adding exfoliation to your routine does a great deal to your skin, it improves the natural shedding process of the skin and encourages a healthier, smoother, more even toned and clearer skin. Exfoliation also prevents your skin from acne, reduces the size of your pores and allows your moisturizer blend into your skin. Let us look at some of the best exfoliating face scrubs for younger looking skin: Cosmedicine Medi-Morphosis Self-Adjusting Exfoliator The greatest achievement for a user of this face scrub is a 12% reduction in the size of her facial pores. It also goes by the nickname "grains with brains." One review about this product states that the user can feel the air on her pores. The reason it is a part of the best exfoliating face scrubs is that it cannot over-exfoliate, the beads start to dissolve if that happens. However, this does not have any impact on the exfoliation required by the skin. The Body Shop Seaweed Pore-Cleansing Facial Exfoliator This exfoliator is perfect for women with oily skin. It helps the skin matte longer than any other exfoliator. It also effectively reduces the size of the skin pores while also leaving the skin with a glow at the same time. It also works perfectly for dull skin as said by one of its users. The face scrub is the perfect budget-buy. It is one of the most favorite scrubs while it only costs $13. Murad Aha/Bha Exfoliating Cleanser The users love this product as it does not leave any signs of redness or irritation. It is a part of the best exfoliating face scrubs as it clears all the dead skin cells in a single wash according to one user. The bonus for this product is its ability to get rid of face breakouts to a great extent. According to some reviews, it has a rating of 9.2 on 10. Clinique Exfoliating Scrub Some readers and users for this product have given it a rating of 10/10 with regards to its quick-result bearing nature. Some people say it gives results in less than two weeks of usage. According to some reports, it also has the highest number of exfoliating beads as compared to any other scrub. It also works towards getting rid of the dead skin on the face.

There are many laptops in 15 inch size with high-end features and affordable prices. The Acer Helios 300 15 inch laptop is the best as this laptop is very much useful in many ways especially gaming.  The laptop is available at affordable price and is a value for money product. The Acer Helios 300 15 inch laptop comes with a cooling fan which is very special as it is supposed to be the thinnest metal fan. Along with the thinnest fan called Aeroblade, the laptop also comes with software which is much more advanced than the default Nvidia GeForce 1060 graphics card. Even though the 15 inch Acer laptops come with many features at affordable prices, the features such as software overclocking and the special AeroBlade fan are available for time being in the 17-inch version of the Helios 300. These laptops are believed to be the best 17-inch laptops for gaming especially which are available at affordable prices. The Acer 300 15 inch laptops with the same specifications except for the Aeroblade and software overclocking are available at very affordable prices. The best among the 15 inch laptops is the Apple MacBook Pro 15 inch laptop which has many advantages such as faster processing and excellent graphics options. This laptop comes with a touchpad which is easy to very convenient to use and the battery life of this laptop is also excellent. The classy high-end Apple MacBook is for the ones who love to flaunt their stylish laptop. The Apple MacBook 15 inch laptops come with the aluminum outer body and come with multiple port selection. The 15 inch laptop comes with a very good resolution display a newer version of the keyboard, touchpad for easier and comfortable use and the unbelievable second-screen touch bar which makes it a high-end laptop. The 2017 Pro also 15 inch Apple MacBook comes with high end graphics hardware options. All the 15 inch laptops from MacBook Pro include an AMD GPU which makes them the best for graphics. Another 15 inch laptop that is popular is the Gigabyte which comes with a Core i7 processor and a NVidia GeForce GTX 1060 graphics card which makes this laptop the best one with high-end features. This 15 inch laptop comes with full-sized GTX 1060 helps to have a clear and high-resolution display. The RGB back lighting and the high-end graphics card improve the performance of this laptop and make this 15 inch laptop the best among gaming laptops. The Gigabyte Aero 15 is well known for its high-end display and an excellent battery life. This laptop is excellent for gaming and comes in various attractive colors such as black or orange. The 15 inch laptops and 16 inch laptops are the best for gaming and the daily usage as they come with high-end features and excellent resolution displays which make them the best for any kind of usage.