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What Is Cash Value Life Insurance and Is It Worth It?
  + stars: | 2023-06-09 | by ( ) www.wsj.com   time to read: +10 min
What is cash value life insurance? Although you’ll see insurance companies advertise various life insurance products, all policies can be divided into two categories: term and cash value. How your policy’s cash value worksCash value life insurance is so named because of its ability to build cash value. Types of cash value coverageThere are two main types of cash value insurance:Whole lifeWhole life insurance is the most popular form of cash value insurance. Universal lifeUniversal life policies are more flexible than whole life policies.
Persons: Kat Tretina, you’re, PolicyGenius, Jay Zigmont, , they’re, ” Zigmont, Andrew Latham, you’ll, , Latham Organizations: Universal, American Council of Locations: Water Valley, Miss, Santa Ana, Calif
THE MYTHMAKERS, by Keziah WeirWhat navel-gazers we writers of fiction are! It’s an attribute few of us would deny, but while it most often evokes autobiography, even those of us who tend not to mine our “lived experience” are still drawn back ceaselessly into the great and fascinating murk that is … writing about writing fiction. Some of us — myself included (see: “The Plot”) — have an insatiable appetite for stories that grapple with these issues. I am happy to report that Keziah Weir’s assured first novel, “The Mythmakers,” is a laudable addition to a reading list that already includes such standouts as Meg Wolitzer’s “The Wife,” Karen Dukess’s “The Last Book Party,” Andrew Lipstein’s “Last Resort” and R.F. Kuang’s new novel, “Yellowface.” In “The Mythmakers,” most of the relevant offenses surround a recently deceased novelist named Martin Keller as a young journalist sets out to investigate a simple act of appropriation and finds something far more complex and — for any writer — infinitely more shameful.
Persons: Keziah Weir, Weir’s, Meg Wolitzer’s “, ” Karen Dukess’s “, ” Andrew Lipstein’s, Martin Keller
Alo Yoga's "studio-to-street" fitness clothes are a hit with Gen Z and Gen Alpha, the Wall Street Journal reports. Segment leader Lululemon faces growing competition not just from upstarts like Alo, but also legacy brands like Nike. Alo Yoga is building a following among two key demographics, Gen Zers, loosely defined as those born between 1997 and 2012, and their younger counterparts, Gen Alpha, according to an article in The Wall Street Journal. Alo YogaAlo's growth was boosted by influencers and its digital rootsAlo Yoga started in Los Angeles in 2007. It's created openings for others beyond Alo, but Alo certainly has started to set itself apart as a power brand in its own right."
Persons: Alo Yoga's, Gen Z, Alpha, Alo, , Lululemon, Alo Yoga, Gen Zers, Gen Alpha, it's, I'd, Andrew Lipsman, Lipsman, Hailey Bieber, Bella Haddad, Budrul Chukrut, Danny Harris, Wall, It's, Lisman Organizations: Wall Street, Nike, Service, Street, Intelligence, influencers, Ford, GM, Chrysler Locations: Los Angeles, China, Alo
SINGAPORE, June 3 (Reuters) - Top officials from Malaysia, Singapore, Australia, New Zealand and Britain said on Saturday that their 52-year-old Five Power Defence Arrangements (FPDA) pact helped keep things in balance amid regional tensions. "The longstanding FPDA... always been an important part of ensuring signalling collective defence in this region," New Zealand defence minister Andrew Little said at a media briefing on the sidelines of the Shangri-La Dialogue in Singapore. As the tensions between the United States and China persist, the longstanding relationships among smaller nations are "what keep things in balance", Little said. "I'm comfortable continuing to keep things in balance as different countries including the major powers work out how the relationships are working," he added. Singaporean Defence Minister Ng Eng Hen, Australian Deputy Prime Minister and Defence Minister Richard Marles, Malaysian Defence Minister Seri Mohamad Hasan, Little, and British defence minister Ben Wallace discussed the importance of the FPDA as a constructive and peaceful arrangement.
Persons: Andrew Little, Little, Ng Eng, Richard Marles, Seri Mohamad Hasan, Ben Wallace, Marles, Anthony Albanese, Lloyd Austin, Chen Lin, Gerry Doyle Organizations: Singaporean, Defence, Malaysian Defence, Australian, U.S . Defense, Thomson Locations: SINGAPORE, Malaysia, Singapore, Australia, New Zealand, Britain, Zealand, United States, China, Asia
Share Share Article via Facebook Share Article via Twitter Share Article via LinkedIn Share Article via EmailDialogue 'absolutely essential' as major powers' competition intensifies, NZ defense minister saysNew Zealand Defense Minister Andrew Little talks to CNBC's Sri Jegarajah ahead of the IISS Shangri-La Dialogue defense summit in Singapore.
Persons: Andrew Little, Sri Jegarajah Organizations: New Zealand Defense, Sri Locations: Singapore
[1/5] An eight-year-old male African lion rests on the plains of Kafue National Park, Zambia, September 19, 2020. In the recent assessment, scientists found that more lion cubs were born into Kafue prides from 2018 to 2021. A half-century of intensive poaching has decimated wildlife populations in Africa's third-largest national park, as it has across much of the continent, with Kafue's free-roaming big cats among the victims. Bushmeat poachers have targeted the lions' grass-eating prey, leaving too little behind for the park's 200 or more of these hungry carnivores. "African white-backed vultures will come in really large numbers," said Corinne Kendall, curator of conservation and research at North Carolina Zoo which is leading the program.
Persons: Sebastian Kennerknecht, Kim Young, Overton, Panthera's, Andrew Loveridge, Corinne Kendall, It's, it's, Kendall, Gloria Dickie, Sharon Singleton Organizations: Reuters, Leopards, Africa Parks, Zambia's Department of National Parks and Wildlife, North Carolina Zoo, Thomson Locations: Park, Zambia, Handout, Kafue, Africa, West Africa, London
In the recent assessment, scientists found that more lion cubs were born into Kafue prides from 2018 to 2021. A half-century of intensive poaching has decimated wildlife populations in Africa's third-largest national park, as it has across much of the continent, with Kafue's free-roaming big cats among the victims. [1/5] An eight-year-old male African lion rests on the plains of Kafue National Park, Zambia, September 19, 2020. But the carcasses also attract the critically endangered white-backed vultures, whose population has declined by more than 90% across West Africa in the past 40 years, largely due to poisoning. "African white-backed vultures will come in really large numbers," said Corinne Kendall, curator of conservation and research at North Carolina Zoo which is leading the program.
Persons: Kim Young, Overton, Panthera's, Andrew Loveridge, Sebastian Kennerknecht, Corinne Kendall, It's, it's, Kendall, Gloria Dickie, Sharon Singleton Organizations: Reuters, Leopards, REUTERS, Africa Parks, Zambia's Department of National Parks and Wildlife, North Carolina Zoo, Thomson Locations: Kafue, Park, Zambia, Handout, Africa, West Africa, London
Investors shot down proposals urging Exxon and Chevron to set more ambitious climate targets. Climate-minded investors blame Big Oil's soaring profits and Republicans' criticism of ESG. "It's incomprehensible why investors are accepting this when they have more to worry about than the profits of Big Oil. Exxon in December said more than 70% of its capital investments in the coming years would flow to fossil-fuel development. "To be fair, we have seen change at Exxon in the last two years.
Persons: Big, Mark van Baal, Critics, Andrew Logan Organizations: Exxon, Chevron, Service, ExxonMobil, BlackRock, Vanguard, Big, Big Oil Locations: Ukraine
Call her Ivanka Kushner
  + stars: | 2023-05-27 | by ( Katherine Tangalakis-Lippert | ) www.businessinsider.com   time to read: +6 min
Ivanka Trump has been steadily distancing herself from her father's brand since he left office. A former adviser in the Trump White House, Ivanka now says she's done with politics. Despite the rebrand, Ivanka remains in legal trouble for her role in Trump businesses. Beyond public appearances or showings of political support, Ivanka's distance from the rest of the Trump family has also begun to show itself legally. They've got a lot going on over in the Kushner clan, and she has her kids and her family.
For those who find regular love triangles too pedestrian, quadrangles and pentagons are also available. Unconventional arrangements are the order of the day in a dynamic revival of Andrew Lloyd Webber’s “Aspects of Love,” which opened on Thursday at the Lyric Theater in London. (It is a lot raunchier than Lloyd Webber’s most recent work, which invited the audience to “sing unto the Lord with the harp” during the coronation of King Charles III.) This “Aspects of Love” is exquisitely produced and superbly performed, but — like many a real-life libertine — it eventually buckles under the weight of its excesses. Alex, 18, invites Rose to stay with him at a villa owned by George (Michael Ball), his rich uncle, and the two fall in love.
The primary component of natural gas is methane, which is odorless when it comes directly out of the gas well. In addition to methane, natural gas typically contains other hydrocarbons such as ethane, propane, butane, and pentanes. The report, which assessed the production-based emissions of more than 300 U.S. producers, found that the methane emissions intensity of natural gas production and the greenhouse gas emissions intensity of oil and gas production vary dramatically across companies. Natural gas producers in the highest quartile of methane emissions intensity have an average emissions intensity that's nearly 26 times higher than producers in the lowest quartile, the study found. And oil and gas producers in the highest quartile of greenhouse gas emissions intensity have an average emissions intensity that is more than 13 times higher than producers in the lowest quartile.
[1/2] Sting and his wife Trudie Styler arrive for The Ivors music and songwriting awards ceremony in London, Britain, May 18, 2023. Sting, who has already won seven Ivor Novello awards, becomes the Academy's 23rd Fellow, joining the likes of Elton John, Paul McCartney, Kate Bush and Andrew Lloyd Webber. Music collective Sault's "11" was named best album while best song musically and lyrically went to "King" by Florence + the Machine. Styles's mega hit "As It Was" won the most performed work category while rock band James received the music icon award. Named after the early 20th century Welsh composer, actor and entertainer Ivor Novello, the Ivor Awards were first handed out in 1956.
Fewer Adults Have Life Insurance, but Skipping It Can Be Risky
  + stars: | 2023-05-15 | by ( ) www.wsj.com   time to read: +11 min
But financial planners say a basic life insurance policy, especially products known as term life insurance, should be an important part of many Americans’ financial plans. A life insurance policy:Replaces lost income: If you were to pass away, your family could use your life insurance policy’s death benefit to replace your income. How to shop for life insuranceIf you’re ready to start shopping for a life insurance policy, follow these steps:1. According to PolicyGenius, an insurance marketplace, typical rates for a whole life policy, the most common type of permanent life insurance, are about 10 times the cost of a term life policy. Term Life Insurance Because term life insurance expires, it's often a far cheaper option.
Revisit some of the predominant trends in music that came to define a mercurial decade, from pop-rap and boy bands to aesthetic sadness and protest anthems. Rap goes the viral pop routeAt the beginning of the 2010s, rap stars had trouble scoring their own No. Dark and dreary pop blows upLana Del Rey helped to usher in a new era of downbeat and dark pop. Karl Walter/Getty ImagesBoth the Weeknd and Del Rey have pivoted since their debuts, with their images becoming more complicated than their indie origins belie. Del Rey, meanwhile, has only burrowed deeper into her niche, crafting intensely personal records that have matured with her listeners.
Swedish singer Loreen won the Eurovision Song Contest on Saturday night with her power ballad "Tattoo," at a colorful, eclectic music competition clouded for a second year running by the war in Ukraine. Loreen, 39, previously won Eurovision in 2012 and is only the second performer to take the prize twice, after Ireland's Johnny Logan in the 1980s. Under the slogan "united by music," Eurovision final fused the soul of the English port city that birthed The Beatles with the spirit of war-battered Ukraine. Now in its 67th year, Eurovision bills itself as the world's biggest music contest — an Olympiad of party-friendly pop. "Now, the music industry, the world, knows that if you appear at Eurovision, you could be in for a great thing," said Steve Holden, host of the official Eurovision Song Contest podcast.
WELLINGTON, May 8 (Reuters) - The New Zealand Defence Force will get an additional NZ$748 million ($472.14 million) over four years, as the government tries to stop the loss of military personnel and ensure the country’s military can operate alongside allies and partners. Andrew Little said in a statement that the government would invest a further NZ$419 million in defence force salaries and NZ$328 million to upgrade assets and infrastructure over four years. Chief of Defence Force Air Marshal Kevin Short said in an email that the new funding was the most meaningful funding allocation the military had received in many years, and was great news. In the last two years, the Regular Force - full-time military personnel - has lost 29.8% of its personnel, excluding those who have served less than two years. That number is expected to hit 32.6% by June 30 if nothing is done as the defence force has struggled to match private-sector wages.
Well-wishers gather along the path that Britain's King Charles and Queen Consort Camilla will travel during the procession marking their coronation along the main streets of London, Britain, May 5, 2023. His second wife Camilla, 75, will be crowned queen during the two-hour ceremony which, while rooted in history, will attempt to present a forward-looking monarchy. People, royalists and royal fans gather along The Mall in preparation for the Coronation of King Charles III on 5th May 2023 in London, United Kingdom. Much of the ceremony will feature elements that Charles' forebears right back to King Edgar in 973 would recognize, officials said. People, royalists and royal fans shelter under umbrellas and waterproofs as torrential rain arrives as people gather along The Mall in preparation for the Coronation of King Charles III on 5th May 2023 in London, United Kingdom.
London CNN —The coronation of King Charles III on Saturday was a historic day, jam-packed with events – some planned, others not. The crowning eventCharles was hidden from view for the most dramatic part of the service at London’s Westminster Abbey on Saturday. King Charles III sits as he receives The St Edward's Crown during the coronation ceremony at Westminster Abbey, London, Saturday, May 6, 2023. Lady in bluePenny Mordaunt leads King Charles III during his coronation ceremony in Westminster Abbey. Queen Camilla and King Charles III arrive for their coronation at Westminster Abbey.
London CNN —Queen Camilla? On Saturday, Camilla became the 29th Queen Consort to be crowned at Westminster Abbey. Many wives of a sitting monarch have often been titled as Queen, with the most recent example being Elizabeth II’s mother, Queen Elizabeth. But the first time we saw his wife titled as “Queen Camilla” was in the elaborate coronation invitations sent out to esteemed VIPs. “The coronation is an appropriate time to start using ‘Queen Camilla’ in an official capacity,” the royal source said.
The Coronation of King Charles: Order of Service
  + stars: | 2023-05-06 | by ( ) edition.cnn.com   time to read: +46 min
The Archbishop saysI here present unto you King Charles, your undoubted King: Wherefore all you who are come this day to do your homage and service, are you willing to do the same? Christopher Finney GC saysI here present unto you King Charles, your undoubted King: Wherefore all you who are come this day to do your homage and service, are you willing to do the same? We praise thee, we bless thee,we worship thee, we glorify thee,we give thanks to thee for thy great glory,O Lord God, heavenly King, God the Father Almighty. O clap your hands together, all ye people;O sing unto God with the voice of melody. The King touches the Ring and the Archbishop saysReceive this Ring, symbol of kingly dignity and a sign of the covenant sworn this day, between God and King, King and people.
London CNN —Britain was waking up Saturday to a once-in-a-generation royal event: the coronation of King Charles III and Queen Camilla in a grand ceremony at Westminster Abbey in London. While Charles became King on the death of his mother, Queen Elizabeth II in September last year, the coronation is the formal crowning of the monarch. In a ceremony that is expected to last at least two hours, Charles will be officially crowned, presented with an array ceremonial objects and be recognized as King by various representatives of the British state. Charles and Camilla will travel along the route to the abbey in a splendid coach drawn by six horses, accompanied by the Household Cavalry. Charles’ consort Camilla will also be crowned in a shorter, simpler part of the ceremony.
[1/5] Britain's King Charles speaks to guests during a reception for overseas guests attending his coronation at Buckingham Palace in London, Britain, May 5, 2023. It will be the largest show of its kind in Britain since the coronation of Charles' mother. Once at the abbey, much of the ceremony will feature elements that Charles' forebears right back to King Edgar in 973 would recognise, officials said. Handel’s coronation anthem "Zadok The Priest" will be sung as it has at every coronation since 1727. After returning to Buckingham Palace, the royals will make a traditional appearance on the balcony, with a fly-past by military aircraft.
Just 21% say their views on the royal family have gotten more positive over the past decade, with another 41% saying their overall opinion has stayed the same. A CNN poll suggests attitudes towards the British royal family have worsened over the past decade, ahead of the coronation of King Charles III. Prince Harry (right) and Meghan (left) are among those members of the royal family rated most favorably by young people. Jamie Lorriman/AFP/Getty ImagesBut not all members of the royal family are viewed in the same light. The poll was conducted on March 24 through 26 among a random sample of 2,093 UK adults aged 18 and older.
Charles III has commissioned new works for his coronation, adding to the rich tapestry of pieces composed for the occasion. The first coronation music was likely sung chants, which, starting in 1603 with the coronation of James I, were refashioned into coronation anthems now with English text. Both have since become staples in the coronation service. And at the most recent coronation, comparisons between Elizabeth II and Charles III are unsurprisingly being made. Charles III’s coronation is set to usher in the new Carolean era, in the hopes that it will reflect its namesake Charles II and his contributions to art and music.
During a historic and solemn two-hour service, which dates back to the time of King William the Conqueror in 1066, Charles' second wife Camilla was also crowned queen. Charles, 74, automatically succeeded his mother as king on her death last September. GREAT AND GOOD[1/20] Britain's King Charles and Queen Camilla wave on the Buckingham Palace balcony following their coronation ceremony in London, Britain May 6, 2023. Much of the ceremony featured elements that Charles' forebears right back to King Edgar in 973 would recognise, officials said. Not everyone who came to watch was there to cheer Charles, with hundreds of republicans booing and waving banners reading "Not My King".
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