How to Shop Life Insurance Rates to Get the Best

Looking for life insurance that won’t cost you an arm and a leg?
Here’s how to shop for rates so you can get the best price.

How Much is Enough?

The amount of life insurance you should have to protect your family depends on several factors:

* How many children do you have and how old are they? If you have young children, you want to be sure to provide enough money to get them raised and through college.

* How much debt do you have? You should have enough insurance to clear your debts and pay for funeral and medical expenses.

* Are you the primary breadwinner? All parents should have life insurance, whether or not they work outside the home. After all, if your primary job is to care for your children, your spouse will have to pay someone else to do that should you die.

In fact, you may need as much as five to ten times your annual salary
In life insurance in order to adequately provide for your family.

Where to Shop

No matter how much you need, the best place to shop for it is at an insurance comparison website. On these websites, you are able to easily compare rate quotes from several companies so you can choose the best one.

In addition to making it easy to compare quotes, insurance comparison websites offer other advantages:

* You can easily adjust information on your application, such as the amount of insurance, to see how your rate will change.

* On the best insurance comparison websites, you can get answers to your questions by talking with professionals (see link below).

* They save you the time and money you would otherwise spend visiting insurance agents.

* They are free to use.


Project Management Applications For Small Businesses

If you manage a small business or project, using email communications, Excel spreadsheets and company hard drives for managing and storing project information might be okay on a temporary basis, but as the number of your projects grow (and your number of collaborators grow with it) you’ll need to consider a more sophisticated system to incorporate in your business processes.

In fact, it has been proven that for small businesses having a collaborative tool providing multiple features including task assignment, time tracking, CRM, document management, mobile connectivity and third party invoicing can make a huge difference in company’s bottom line.

For large organizations, systems like Primavera, MS Project or SharePoint are the most popular software programs for project planning, reporting, document sharing, progress updating and tracking. They are used worldwide and have their own benefits and disadvantages.

On the other hand, for small businesses or small projects (such as creating new websites, new software programs, new mobile apps or even a minor manufacturing projects) Primavera and MS Project might not be the best solutions, the most important disadvantages being higher costs, heavy platform environment, learning curve, the need for sophisticated support team and unavoidable staff training.

Deciding which project management application or software to incorporate into your small business processes can be a daunting task as there is quite a wide selection to choose from and they are all continually evolving and advancing. To make matters more difficult, each software creator provides different packages to choose from, depending on the number of projects, the number of users (collaborators) and the storage space offered.

On the lower end, developers seem to categorize their packages based on one of these two choices:

– Unlimited collaborators, but limited number of projects

– Unlimited projects, but limited number of collaborators

But, they also offer unlimited projects/collaborators packages at much higher monthly rates.

Even if you select a low-end package to start with, as a growing business the high-end packages should be an important criteria for your selection because in a few years when your number of projects/users grow you would want to be able to keep the same platform, and avoid having to transfer all your files to a less costly solution.

Storage is also another differentiator for choosing your package. Depending on the type of projects your organization is managing, and the size of files your team members share on a daily basis, this could become a make-or-break factor in your selection.

The ability to use the software on your mobile smartphone or tablet is another factor to take into consideration, if that is indeed important to you or your organization. Some applications are just web-based, others use HTML5 code that fits and adapts to any screen size, and others provide their own iOS, Android or Windows Phone apps for the most popular devices such as iPhone or iPad.

Another factor to consider is whether you want (or need) to work with Gantt charts that are simpler versions of MS Project and Primavera. Some project management apps offer visual Gantt-based (rather than a task-assignment based) software.

To make your selection a little bit easier, outlined below are some project management apps we briefly examined for small businesses (in no particular order):

Product Name: Basecamp (Web-based + Mobile App)

– Lower End Package: 10 Projects, Unlimited Users, 3 GB Storage, $20 / month

– Higher End Package: Unlimited Projects, Unlimited Users, 100 GB Storage, $150 / month

Basecamp keeps all your project documents and communications in one place. You can control who sees what on the projects and who can communicate with whom. The user interface is quite user-friendly and provides quick access to the latest project progress, communications, To-Do lists, etc. Basecamp also provides iOS and Android apps for mobile phones and tablets.

Product Name: Mavenlink (Web-based + Mobile App)

– Lower End Package: Unlimited Projects, Unlimited Users, 20 GB Storage, $25 / user / month

– Higher End Package: Unlimited Projects, Unlimited Users, 100 GB Storage

Mavenlink is fully integrated with Google Docs, Tasks and Contacts. It allows you to centralize your project information, files and communications in a shared environment. Real-time messaging ensures your team members stay on the same page. You can also stay connected using your mobile smartphone as the software offers an HTML5 mobile version as well.

Product Name: Apollo (Web-based + Mobile App)

– Lower End Package: 18 Projects, Unlimited Users, 5 GB Storage, $23 / month

– Higher End Package: Unlimited Projects, Unlimited Users, 75 GB Storage, $148 / month

Apollo helps you keep track of what’s happening on your project, tasks, and calendar using interactive timers. In the activity screen you can see who did what, and even communicate with other people. Files can also be kept within the platform. Mobile versions of the software for iOS and Android are also offered.

Product Name: Wrike (Web-based + Mobile App)

– Lower End Package: 5 Users, Unlimited Collaborators, Unlimited Projects, 5 GB Storage, $49 / month

– Higher End Package:: 50 Users, Unlimited Collaborators, Unlimited Projects,100 GB Storage, $199 / month

Wrike is another project management software providing task management, time tracking, document sharing, and real-time news-feed. It also provides Gantt-chart integration as well as Outlook and email integration to facilitate communications.

Product Name: Projecturf (Web-based only)

– Lower End Package: 20 Projects, Unlimited Users, Unlimited Storage, $40 / month

– Higher End Package: Unlimited Projects, Unlimited Users, Unlimited Storage, $120 / month

Projecturf provides a user-friendly web environment giving instant access to various projects using tabs. It allows you to grant and change access permissions in every section, and even remove some section if they don’t apply to a project.

Product: Project Bubble (Web-based only)

– Lower End Package: 10 Projects, Unlimited Users, 5 GB Storage, $24 / month

– Higher End Package: Unlimited Projects, Unlimited Users, 100 GB Storage, $99 / month

Project Bubble allows you to assign tasks and sub-tasks to team members, as well as define user permissions. It also allows you to enter the amount of hours you expect a given task should take (planned) and compare with the amount of hours is actually took (actual) to compare your actual costs with your planned budget. A timesheet feature is also offered for team members to help track the hours

Product Name: TeamGantt (Web-based only)

– Lower End Package: 5 Projects, 5 Users, 1 GB Storage, $10 / month

– Higher End Package: Unlimited Projects, Unlimited Users, 20 GB Storage, $79 / month

If you like using simplified Gantt charts, then TeamGantt might be the solution for you. The software also incorporates simple task commenting (by team members) directly in the Gantt chart. You can still take advantage of sharing documents and many other resources, and even view multiple projects’ Gantt charts in one screen to help with your resource planning.

In a nutshell, if the essence of project management is the breaking down of multi-faceted projects into smaller tasks and milestones assigned to various collaborators, then project management applications and software should assist you in organizing and breaking those complex operations and individual tasks down into specific data available at your fingertips; thus, providing more efficiency into the process than contemporary paper documents and spreadsheets offer. Therefore, your decision to purchase a project management software for your small business should be a long-term strategy for your organization:

1- Make a list of features you need today (and maybe in the future)

2- Assign weights to each feature based on its importance to your business

3- Review each software platform (start on their website)

4- Use a simplified QFD chart to compare various programs and narrow down your choice to just a few

5- Test the waters by emailing/calling each software provider to evaluate their customer support and agility to respond to your requests in a timely manner.

A final note of caution: Not all these project management software programs will survive today’s competitive marketplace, and one can easily predict that only a few will remain in a few years. So make sure your selection is not just based on price and short-term advantages, but also looks further on the horizon. If you like the content of this article, please share it on social media.


The Best Applications for Use With PVD Coating

The new technology and progress allows applying PVD coating materials to a great range of products and for a large range of purposes. These coatings have many significant benefits to offer in many areas of industrial and household production. Let’s take a look at some of the possible applications of PVD coating.

Now, PVD stands for the name of the special application method of these hard coatings. It means physical vapor deposition. It’s an edge cutting technology method, which allows covering different surfaces with extremely thin layers of hard coatings. At this, the surfaces become enhanced and more durable and they get other useful qualities from the PVD coating, too.

As it was already mentioned, PVD coating can be used both for industrial and household goods purposes and designs. It has some very practical benefits to offer for industrial tools and equipment. Different PVD coatings provide various cutting or drilling tools with amazing enhancement. For one, they greatly reduce corrosion level. This extends the life and use of drilling bits, knives, screwdrivers, industrial cutters and other equipment.

Some of the best options significantly decrease friction. Friction is one of the major causes of equipment or tools’ break down or damage. Decreasing friction means longer and more effective use of those tools and cutting down the tools and repairs expenses.

Increase lubricity of tools not only decrease the friction, but also increase the rotation speed of the drilling or cutting tools and equipment. It means less energy needed for their operation and higher output attained over a shorter period of time.

Now, household goods also have many options for implementing PVD coating. It can be applied to such household devices as faucets. As you already know, PVD coating prevents or significantly decreases corrosion, which is a very useful and essential characteristic for faucets. These devices come in frequent contact with water and corrosion is one of the key damaging factors, which decrease their durability and use time.

In addition, PVD coating has a different benefit to offer in comparison to other forms of processing. Besides enhancing the coated surfaces, it also attaches them certain change in color and glitter. A range of different tints and colors, such as golden, brass, silver and a range of other variations are available with the application of different types. Besides, some of these coatings possess antimicrobial properties and keep houses clean and safe for their inhabitants.