Culinary Arts Education – Degrees For a Job in the Hospitality Industry

There are many people that dream of a career in the hospitality industry and the most popular job is, of course, the head chef. To attain this role within a quality restaurant you will need to go through a culinary arts education course that will prepare you for working as a professional chef. These courses include the actual hands on preparation of food as well as the theories and lessons you will need to work in the industry. The courses run for anywhere from three to five years and even longer in you choose to complete a double degree.

There are many schools offering culinary education including everything from local community colleges through to world class cooking schools such as Le Cordon Bleu. Most of these schools offer professional degrees in culinary arts and will provide you with an opportunity to get a great job in the industry. However, it is more than likely you will need to get experience as an assistant, or sous chef, before you will be promoted or offered a job as a head chef. Like most other graduates you will need to make your way up the industry until you reach the top.

It is important to compare the different culinary arts education courses that are offered. Consider that some of the courses will not offer a formal degree so it is a good idea to put plenty of research into your decision. Create a short list of schools as it is a good idea to apply to more than one school in case you are not accepted by your first choice.

Life Insurance 101, An Explanation of Various Types of Life Insurance

TERM LIFE INSURANCE – Life insurance for a set number or years. You can choose from 5 to 30 year terms. No cash value, if you die during the term you collect the death benefit. The policy dies after the selected term has ended and you receive nothing unless you have a, return of premium rider or you convert the policy to some form of permanent insurance.

RETURN OF PREMIUM TERM INSURANCE (ROP) – A term insurance policy that returns all or a portion of premiums paid at the end of the term if the death benefit has not been paid.

SIMPLIFIED TERM INSURANCE – Term insurance which uses a simple application. Underwriting is done electronically. No underwriting requirements by the applicant unless red flags arise out of the electronic underwriting process. Policy is usually issued much quicker than regular term. There is a limit of death benefit for this type of policy ($350,000 or less) depending on the insurance carrier. This type of policy is generally more expensive because of additional risk by the insurance carrier. Less underwriting =more risk.

CRITICAL ILLNESS INSURANCE – Applied for as a stand-alone policy or as a rider to another life insurance policy. Pay immediate benefit for a covered illness even if death does not occur.

ACCIDENTAL DEATH INSURANCE – Pays benefit in event of a covered sudden accidental death. Applied for as a stand-alone policy or as a rider to another form of life insurance.

MORTGAGE PROTECTION INSURANCE OR DECREASING TERM INSURANCE – Term insurance that pays the balance of your mortgage should death occur. The amount of death benefit decreases to match the amount owed on mortgage. The insurance is set up to end at the same time your mortgage is set to end.

UNIVERSAL LIFE INSURANCE (non variable) – Flexible premiums. Can be a permanent insurance as long as premiums are paid and policy is funded properly. Investment policy in which risk lies with insurance company.

Has a minimum guaranteed interest rate which differs by company. This policy has the ability to gain contract value. The death benefit can be set to level (death benefit stays the same throughout) or increasing (death benefit increases as contract value rises). You may obtain loans or make withdraws but you must be careful, if the policy is not funded, it will collapse.

VARIABLE UNIVERSAL LIFE INSURANCE – Agent must have securities license to sell. Very similar to non-variable universal life. The difference is that the policy owner assumes investment risk. There is no guaranteed interest rate. Policy can collapse if investment does not do well and policy is not funded properly.

WHOLE LIFE INSURANCE – Simply put, you pay the premium and the policy will last your whole life. You usually have an option to borrow against the policy, amount depends on the value of the policy. This type of policy is usually much more expensive than the universal life policy.

GRADED BENEFITS WHOLE LIFE – Partial or no benefits paid until a named or tiered waiting period has passed. If you die before the waiting period has passed, you usually will receive the return of your premium payments with some sort of interest.

FINAL EXPENSE WHOLE LIFE INSURANCE – This type of whole life insurance is aimed at burial and funeral expenses and other final expenses. Usually, no medical exam required and death benefit is limited to $50,000 or less.

SINGLE PREMIUM WHOLE LIFE – This whole life policy is paid for by a single lump sum payment. In return the beneficiary receives a larger death benefit than the payment.

THINGS TO CONSIDER: You may be interested in mixing and matching different types of policies. For example; There is a need for 500k immediately. As time goes on, the kids have graduated college and are out of the house, the house is almost or totally paid off. Now the need is less. In this example you may want to purchase a 330k universal life and a 20 year 200k term. This plan will save you money and still protect your family for life.

Or, you may want to mix term, critical illness, accident, universal life, or whole life in various ways depending on your needs.

RIDERS:

Waiver of Premium Rider – pays life insurance premium if you become disabled and can’t work. There is usually a waiting period and rider usually expires at age 60 or 65.

Critical Illness Rider – Rider is explained above.

Return of Premium Rider – Rider is explained above.

Guaranteed Insurability Rider – this rider allows you to purchase an additional amount of life insurance at a later date without having to prove insurability again or take another medical exam.

Term Conversion Rider – allows you to convert a term insurance policy into a permanent policy without proving insurability again.

Accelerated Benefit Rider – this rider is only for permanent life insurance policies. This rider is usually included automatically for free. It allows you to collect a portion of your policy’s death benefit if you become terminally ill with a short life expectancy, usually one year. The portion paid out is subtracted from you policy’s death benefit.

Accidental Death Benefit Rider – This rider pays in addition to the death benefit if you die from an accident.

Child protection Rider – Usually used to pay final expenses if the unthinkable happens. Often, at a nominal cost and purchased in units of $1,000.

UNDERWRITING: requirements depend on insurance carrier, type of policy, amount of death benefit, age, build chart, gender, medical history, medications, family history, motor vehicle report, and other factors.

An application is always required, although, non-medical policies usually have a simple application.

Requirements could be: Paramed (certified medical processor or nurse comes to your place of choosing, takes you through a medical questionnaire, measures your height and weight, takes blood and urine sample, possibly EKG either resting or non-resting), Medical information from your physician or hospital, Medical exam, etc.

HEALTH CLASSES – Typical health classes would be, Preferred Best, Preferred, Select Standard, Standard, and then different nicotine classes such as, preferred nicotine, select nicotine, and standard nicotine.

It is possible to be rated less than standard depending on health and underwriting factors.

You must qualify for a health class. This is chosen by the underwriter after the underwriting process is complete. The agent can only quote you the different health classes but this can change with the underwriting process.

Cheap Holiday Deals to Stalis Provide Perfect Holidays For All

Family holidays to Stalis are about as popular as couples holidays, beach holidays, 18 – 30′s holidays, and mature holidays to Stalis. In fact, it is difficult to find a group that can’t appreciate holidays spent in Stalis. Greek island holidays seldom have as much to offer visitors as you will find in the resort of Stalis-a resort that offers a little bit of everything you could possibly want from a beach holiday and a little bit more.

First of all, you should check out various package holidays to Stalis. You might be able to learn a little more about the possibilities that holidays to Stalis present for the entire family simply by taking in the long list of package options that are available to you. More importantly, in these economic times, packages are a great way to make cheap holiday deals to Stalis and other locations on Crete.

The nightlife in Stalis is rather lively though not nearly as dominating as the nightlife and club activities are in Malia. Stalis is a more well-rounded option for holiday fun than those resorts that are designed to appeal to party crowds or even those that attract more mature holiday crowds. What you have in Stalis is a healthy mix that makes it a worthy choice for family holidays.

The beaches of Stalis provide excellent opportunities for families that enjoy beach holidays and are content to spend the entire time on the beach. There is much more to this charming resort than a few beaches though so you don’t risk running out of things to do. Popular excursions to enjoy from Stalis include mini trains to Malia, boat trips to Santorini, and the traditional villages that can be found further inland. Greek island holidays are about experiencing the best Greece has to offer. Don’t miss out on the cultural treasure chest waiting for you away from the primary resorts.

Cheap holiday deals to Stalis are a great way to enjoy the very best of Crete. Don’t miss out on package holidays and prices that are lower in price now than they have been in years. Family holidays to Stalis may be the perfect way for you and your family to enjoy Greek island holidays. Make your plans today and you could be enjoying the beautiful views and gorgeous waters of Crete before you know it.

Container Gardening Basics For Success

Container Gardening is becoming more and more popular as the population of cities and suburbs increases. Your "garden" is movable and so it is easier to manage pests and garden environments. It also brings the time that you need to tend to your plants because you can place them where they are easier for you to reach. This is especially good for people who are handicapped but still want a garden.

There are some things that are necessary in order to have a successful container garden.

First, you must have a container. You can find them in almost every size, shape and they can be made of many different materials. And, they can be very inexpensive, especially when you create them from "found" objects. You must make sure that the container that you choose has adequate drainage.

Make sure that your container is appropriate for your plant's full-grown size. You do not want to have to keep changing pots as your garden grows.

Soil is the next thing you have to have for your garden. I'm sorry, but you can not go outside and dig up some dirt. It will be much too heavy and will probably contain lots of bugs and pests that you do not need. The soil must be of good quality to keep your plants healthy and growing well. Buy potting mix that drains well but still is able to retain adequate moisture. The mix should not be so light that it will not hold the plant and root system in the container without propping the plant up.

You can mix your own potting soil by using one part compost; one part perlite and one part garden loam. Be sure that you inspect the loam for pests before using it.

Choose plants that do not have very large root systems. Those plants will soon get too large for the pot that you have planted them in, even to the point of breaking it. As I mentioned before, not sizing the plant to the pot (or the pot to the plant), can cause plants to be spindly and root-bound.

Tomatoes are a good choice for a new gardener because they are easy to grow and have a strong, but small, root system. Other vegetables that are appropriate are peppers, lettuce, spinach, radishes and eggplant.

Herbs are also an excellent choice for container gardens. Herb gardens do not require much space and they are extremely easy to grow, even for the novice gardener. Like most plants, they do require adequate drain to grow them successfully.

Some people use container gardens as decorating accents as well as growing vegetables for the dinner table. Choosing containers that fit with the style of the area you want them in terms of its ambiance. You might even want to use them in a specific area inside your home. Sunrooms come to mind as a great place to grow plants. Do make sure there is adequate sun and shade for your plants.