The What's & Whys Of Life Insurance

What exactly is life insurance and do I need it?

Life insurance is a contract between you and e insurer, wherein you pay the insurer a certain amount based on the agreed terms. In return, the insurer guarantees that, in case of sudden death or critical illness, your dependents / beneficiaries will be protected financially. But, if something that you might need in the distant future? People should get life insurance when they are in relatively good health. As it covers risk on the individual’s life, her health at the start of the contract should be average (normal). If her health is already seriously impaired, the insurer may not even accept her life insurance application. Our verdict: It is something worth considering.

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When she’s got a sad case of the blues, she’ll instinctively run to you. Turn her frown upside down with these simple tips.

Man Manual: Cheer Her Up On A Bad Day

She comes to you with a long face, seething with anger, or eerily quiet, ad your first recourse may be to dismiss it as PMS or to stay out of her way. Wrong move, pal. There are very simple yet sweet things you can do to bring that smile back to her face and get her in a better mood.

Be Romantic And Reassuring

When something goes wrong at work or at home, your girl’s first impulse would be to run to you for comfort. Don’t think you have to do anything extraordinary.Something as small as wink, a smile, or a touch can set it in motion. Engulfing her in a warm bear hug and kissing her sweetly on the forehead will do the trick.

Make Her Feel Kilig

Nothing gets a girl’s mind off her problems like a sweet, spontaneous surprise. Spontaneity brings a special kind of excitement. The smallest acts are often the most cherished… anything you do to pamper her will certainly be appreciated. Getting her favorite ice cream, and eating it with her while you both have a Glee DVD marathon will make her a happy camper.

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Read Your His Lips

Guys ma not volunteer a lot of info, but if you look closely, their mouths will reveal what they’re not saying to you.

The Lip Biter

A man will do this when he’s holding something back — he’s literally forcing his lips closed so that he won’t blurt out what he’s thinking. This will often happen when he’s feeling an intense emotion, such as love or attraction, and wants to think about the best way to express it.

The Smirker

If a guy you’ve just started hanging out with gives one of these half smiles, run the other way. It’s a classic sign of contempt, meaning this guy thinks he’s God’s gift to women, and is likely playing the field… and playing you.

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The Stuff He Won't Reveal:

There’s a common saying amongst the men that “you can look, but you can’t taste.” Most of the time, that’s just what they do. “It’s normal to notice attractive people,” says Tina Pittman Wagers, PsyD, a psychologist in Colorado. Knowing this can work to your advantage, because believe me, they love it when their girl looks absolutely gorgeous. If your man’s wandering eyes become an annoying habit, feel free to point it out to him. He should be sensitive enough to understand and adjust his behavior — after all, it’s you he is seeing, right? Now, if he does more than just look, then that’s a different story.

 

It’s cool when a friend wants to hook you up — for one thing, you can be pretty sure the guy’s not a loser. But, there’s a higher awkwardness potential if it doesn’t work out, so ask your matchmaking pal these questions first (consider this your bad-date insurance).

3 Qs To A Better Blind Date

“Why do you think we’d be a good match?”

Many people assume that since they get along with both of you, you’ll be into each other, too — not always true. This question forces her to articulate your commonalities. Watch out if your friend seems hard-pressed to answer.

“What’s his recent dating history like?”

If he just got out of a long-term thing or hasn’t had a girlfriend in several years, that might mean he’s not looking for anything serious at the moment. That’s fine if you want a casual relationship, too. But, you should know what you’re getting into up front.

“How would you describe me to someone?”

Your friend’s response reveals the type she thinks you’d go for. For instance, she replies that you’re sweet and quiet… but in fact, you like a guy who’s edgy. The one she’d pick for you might be way too understated (read: boring). It also clues you in to what she’s told your prospective date about you.