Archive for the ‘Education’ Category

Family Life Insurance And Planning For College Tuition}

Submitted by: Ronald Cringer

Once we have kids, we start planning for their future and trying to figure out ways to provide them with anything and everything they could possibly what. This also, typically, includes a chance at furthering their education in college. College tuition is expensive though so it never hurts to start thinking about it as soon as possible. Life insurance products for family members can really help to reduce these costs.

Gerber offers a Life College Tuition Plan for young children. They offer premiums starting at just around one dollar a day where the benefits offered pay out around ten thousand dollars. If you pay a premium of around three dollars per day, then your college benefits increase to about twenty-five thousand dollars. Their highest level is around six dollars a day and pays out about fifty thousand dollars for tuition. When all is said and done, you end up paying out about seventy-two hundred dollars at the maturity of the policy while it pays you back ten thousand in benefits, which is a gain of about twenty-eight hundred dollars.

The tuition plan that is offered from Gerber is considered an endowment life policy. Their plan offers you the ability to decide what is affordable. At the end of either a ten or twenty year period, the policy pays out anywhere from ten thousand to one hundred and fifty thousand dollars with their guaranteed payment. The benefits will be dispersed as long as the premiums are paid on time whether you are there anymore or not. It is helpful too that the benefits are not linked with interest rates or the stock market. This means that you do not have to worry about fluctuations in either department affecting your benefits. All in all, it is guaranteed through Gerber that, in the end, your benefits that will be paid out will be greater than the premiums you have paid throughout the years.

Having a plan for your childs college education is important. Right now, just one year of tuition, on average, at an in state public college is fourteen thousand dollar. That same college for out-of-state students increases to twenty-five thousand dollars. A private colleges tuition costs average around thirty-four thousand dollars per year. Each year tuition costs increase dramatically. It is estimated that costs for college have steadily increased about four to six percent each year. Scholarships and financial aid are amazing resources to have, but it should not be relied on to cover all of the costs for your childs college education.

Other standard family life insurance policies can be used to pay for college tuition as well. Most of them only give you the money when the policyholder dies though. Some life insurances do accrue a cash value over time that can be used as you see fit within the terms of the policy. That is something to talk with your life insurance about. Other policies will also return the premiums you have paid at the end of the term and you can use that money at your discretion.

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Where To Find The Best Chocolate In Paris

Submitted by: Girls Guide

With more than 300 chocolatiers in Paris, it helps to be finicky when deciding where to go. Clearly the French know and love their chocolate, and so should you! From bonbons to macarons to ganaches, there is only so much French chocolate you can consume, so it should always be the best you can find. And if you re wondering how to choose among these top Paris chocolate shops, rest assured that as a visitor to the city, it s only polite to try them all. And to bring some home, too.

Christian Constant. 37, rue d Assas, in the 6th Arrondissement. 01 53 63 15 15.

Constant does a mean b che de No l (Yule log). He is famous for his chocolate tart and other delectable treats featuring unusual flavors such as cardamom and frangipani flowers in this small yet pristine shop.

Debauve & Gallais.30, rue des Sts.-P res, in the 7th. 01 45 48 54 67.

A place to visit out of respect, considering it is the oldest chocolate shop in Paris, with a stunning interior designed by Napoleon s architects. Marie Antoinette was a fan so why shouldn t you be?

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Pierre Herme.
72, rue Bonaparte, in the 6th. 01 43 54 47 77.

A stop at this tiny shop in the 6th, near St.-Sulpice, will likely involve a wait in line, but the rewards are high, particularly if you opt for the rose macarons. Choose your chocolate and pastries wisely, then enjoy them at the fountain in front of St.-Sulpice.

Jean-Charles Rochoux.16, rue d Assas, in the 6th. 01 42 84 29 45.

Don t let the artistry of Rochoux s chocolate sculptures stop you from eating them. His creations may take the shape of animals, creatures and historical figures, but this newer arrival to the chocolate scene is serious about quality and flavor.

Patrick Roger.108, blvd St.-Germain, in the 6th. 01 43 29 38 42.

Roger is arguably the most creative and impressive chocolatier in Paris now. His signature boxes and bags in brilliant turquoise are the perfect complement to his confections. Some made with unusual flavors like green tea and ginger, though his plain chocolate blocks are exceptional, too. He made a chocolate egg at Easter (P ques) that looked exactly like a sunny-side-up egg, complete with the yolk and egg white.

Doni Belau is the owner and editor of the Girls Guide to Paris, a travel website and blog written by Parisian residents and insiders covering everything from fashion to culture to foodie faves in the city of light.

Patrick Roger.108, blvd St.-Germain, in the 6th. 01 43 29 38 42.

Roger is arguably the most creative and impressive chocolatier in Paris now. His signature boxes and bags in brilliant turquoise are the perfect complement to his confections. Some made with unusual flavors like green tea and ginger, though his plain chocolate blocks are exceptional, too. He made a chocolate egg at Easter (P ques) that looked exactly like a sunny-side-up egg, complete with the yolk and egg white.

Doni Belau is the owner and editor of the Girls Guide to Paris, a travel website and blog written by Parisian residents and insiders covering everything from fashion to culture to foodie faves in the city of light.

About the Author: Doni Belau is the owner and editor of the

girlsguidetoparis.com

, a travel website and blog written by Parisian residents and insiders covering everything from fashion to culture to foodie faves in the city of light.

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