Shopping Product Reviews

Resolving the ProductAssistant installation error on Windows

In Windows operating system of any version, some users are often faced with a strange dialog box titled ‘Product Assistant’ with the error message, ‘The function you are trying to use is on a disk that is not available’. This dialog box requests any of these files: ProductAssistant.msi, SolutionCenter.msi, or TrayApp.msi files. These error messages are related to the installation of the HP printer in Windows and often appear every time the computer starts. You get quite frustrated when these errors continually appear and you don’t even click the Cancel button. If you are also facing such frustrating problem, you can take the steps mentioned below to get rid of it.

Disclaimer: We are going to discuss some technical steps, but we do not assume any warranty or responsibility for the results after they are performed. It is up to the reader how you follow them. If you are not technical enough, get help from Online Printer Support.

Explaining the errors

Most of the users face two error messages which are explained below. These errors occur when an installation file for the HP printer drivers is missing and Windows is instructed to load that file.

• The function you are trying to use is on a CD-ROM or other removable disk that is not available.

Insert the ‘ProductAssistant’ disk and click OK.

ProductAssistant installation error

• The function you are trying to use is on a network resource that is not available.

Click OK to try again, or enter an alternate path to a folder containing the ‘SolutionCenter.msi’ installation package in the box below.

SolutionCenter.msi installation error

• The route cannot be found. Verify that you have access to the installation package ‘TrayApp.msi’ in a folder from which you can install the TrayApp product.

Resolution steps

Method 1: install the missing file from the CD

We can try to install the missing file from the CD that came with your HP printer.

1. Insert the HP printer CD into the optical drive.

2. Open My Computer and then open Optical Drive to explore it.

3. If the error is in ProductAssistant.msi, open this folder and double-click the hpproductassistant.msi file to run it.

o Remember that solutioncenter.msi and TrayApp.msi are in the installation folder.

o Running the MSI file will install the missing item in the existing HP printer setup.

4. Restart the computer.

Method 2: download the drivers

If you do not have the HP printer installation disc or have lost it, follow the steps below:

1. Visit support.hp.com in your web browser.

2. Enter the full name of the product with its model number in the text box. The model number is listed on the front of your printer. For example, the HP Deskjet D2680 printer.

Entering the model number in HP Support

3. Press the Next button. This will open the support page for your printer model.

4. Select ‘Software and Driver Downloads’ on this page.

Downloading drivers from the HP support website

5. Select your operating system and click the button that says “Next”.

Select operating system while downloading drivers from HP support

This will display the list of drivers and software available for your printer for the selected operating system.

List of drivers and software for selected HP printer

6. Click on ‘Driver – Product Installation Software’ for your printer.

7. Select the link showing the driver and full-featured software. Remember that only full-featured controllers will have the missing file, so go for it.

NOTE: The download time depends solely on the connection you are using. If your internet connection or download speed is slow or you are using a 56 Kbps connection, prefer to order the disc using the link “Order physical media – CD DVD USB” on the same page. HP conditions and charges may apply to this order. Continue with Method 1 above after obtaining this CD by order.

Selecting Full Feature Software and Drivers for the HP Printer

8. This will take you to another download page. Obviously, you have to click on the button that says ‘Download’.

Download option for selected HP printer driver

9. Keep this file in a safe and memorable place on your computer. You can save it on the desktop in a new folder.

10. Open the location where you saved this file with the complete drivers.

11. Run the file and this will extract the driver files to the temporary folder for your Windows user.

12. Open the Run box from the Start menu.

13. Type% temp% in the Run text box and click the OK button. This will open the user’s temporary folder.

14. Find a folder named 7sxxx or 7sxxx.tmp. Here x can be any alphabet or number.

15. If you get the ProductAssistant.msi error, open hpproductassistant> hpproductassistant.msi. Otherwise, open solutioncenter.msi or TrayApp.msi in the folder.

If you follow the steps, mentioned in any of the above methods, the missing MSI file will be installed. You can restart the computer and check if you still get this error message or not.

Contact the Online Printer Support experts if you are still facing this issue or have any questions about the steps mentioned in this article.

Sports

Super Bowl Cards

When you think about air travel, you have two options. You can fly commercially or you can charter a plane to get you where you want to be. They both take you to your destination, but have a very different view of air travel. If you’re traveling on business, chartering a jet can allow you to hold meetings and work en route. But how about for a family vacation or a weekend? Yes, you can hire that, and what happens if you enter the biggest game in American football, the Super Bowl? If you don’t live near the stadium where the game will be played, why not?

The Super Bowl is an annual event played on the first Sunday in February and features AFC winners against NFC winners. In the past, the AFC and the NFL were rival leagues, but they merged in 1970 to form what we know today as the NFL. As the merger took shape, they agreed that the winners of both leagues would play a championship game and the Super Bowl was born. The first edition of the “great game” was played in 1967. To be stylish and stand out, each game afterwards was known by the Roman numeral for its number, all except Super Bowl 50 which used the number in its logo. Another interesting fact about the most important game in soccer is that in odd games the winners of the NFC receive the home team, while in the even games that assent is for the winners of the AFC.

It is also a clear fact that no team has ever played a Super Bowl at their home stadium. In fact, there are four teams that have never played in that game. Detroit, Cleveland, Jacksonville and the Houston Texans never made it to that exciting final game of the season. However, teams that have been successful include Pittsburgh with 6 wins and both Dallas and San Francisco, who have 4 wins each.

So if you don’t live in the designated Super Bowl city, rent your way there. You will be happy you did as you can design a schedule, you will have plenty of leg, shoulder, head and elbow room, and you will be able to configure the cabin any way you want. Add in the lack of long security lines and we have a winner!

Arts Entertainments

Nepal – Travel and food for thought

Born in Russia, when I first came to Nepal, I wasn’t going to see the temples and mountains that seem to capture every traveler’s imagination, and no, I wasn’t going for the food either. In fact, they dragged me here. You see, the first time Nepal caught me was at the age of six, so the usual tourist spots still didn’t interest me. Frankly, Nepal didn’t interest me either. My mother and at that time her boyfriend were going to Nepal on vacation and visiting my aunt (my mother’s sister) who had married a Nepalese who was studying in Russia at the time. Although I have a memory of Nepal that I saw in the 80s, it certainly did not leave as lasting an impression on me as FOOD; because what little I remember, for the most part, had little to do with the Himalayas and Pagodas. Later my mother and I would immigrate to the US and I would not get a real taste of Nepalese food other than the occasional taste of achhar (a spicy Nepalese pickle) or an Indian food substitute “not the same” , until I was 24 when Nepalese food once again touched my memories and taste buds.

When I came to Nepal, this time in 2007, little had changed. My family’s opinion has been that there was now more traffic, that the cities were now more congested, but the core of Nepal remained the same. I loved it, but what did catch my attention were the tourists. Nepal is certainly more popular today than it was then, and the burgeoning tourism industry sadly, in an effort to adjust to the Western tourist’s fear of trying something new, has, in my opinion, obscured the true taste of Nepal by making it too much. easy to abstain. of Nepalese food.

Like the thousands of people who now come to Nepal to experience trekking in the Himalayas, I too ventured to do the same. Of course, the area I was traveling through, the Annapurna Conservation Area, was the most developed hiking trail in Nepal, but what I saw put me off a bit. Villagers who previously only served traditional Nepalese dishes now offered pizza and Caesar salad among other typical western items to suit the tastes of new age hikers.

My views may be different from most, but when I come to a country I want to experience all that that country has to offer. The people, the sights and the culture and certainly those who achieve the above get a lot of what Nepal is about, but at the same time, they are leaving the same amount (sorry for the pun) on the table. .

I must say, what for me is really close to the nails on a blackboard, is the fearful tourist. Frankly, I don’t understand how people who travel thousands of miles to get to Nepal arrive in such fear of a little traveler’s diarrhea, which they will probably have anyway (treatable with simple over-the-counter drugs or over-the-counter antibiotics available at Nepal). They dare not venture outside the Hyatt to eat, all to be greatly missed. As diverse as Nepal is culturally, it is also equally diverse culinary. I think my aunt put it best, “Most likely the diarrhea you give to travelers is NOT from Nepalese food, but from tourists asking a Nepalese villager to make them a mushroom, sausage and pizza pizza. olives “.

I don’t know about you, but I trust a Nepalese villager much more preparing what he tastes best and they eat on a daily basis, much more than trying to recreate Western food with intermittent refrigeration and “unnatural” ingredients for Nepal. Unfortunately, not everyone thinks alike, as I found myself, walking alongside many astonished travelers, who during their walk, wondering how they got the races, after digesting a hamburger made with imported meat (beef or rather cows are sacred in Nepal). ), Swiss cheese and lettuce that arrived at their dining room table by the same 5-day trekking route they had just traveled. The moral of the story is, think with your brain, not just your stomach.

The problem alone, not eating ethnic food native to an area, would be of little consequence if the problems associated with it had been limited to frequent bathroom breaks for a passing traveler. Nepal prides itself on its cultural heritage, terrain and landscape, and especially its food, but it is the same “ecotourist” who comes to Nepal with the idea of ​​preserving all that is Nepal and “helping” the Nepalese people (a proposal questionable). , which is often the one seen eating the French Fires & Chicken Cesar Salad for a meal totally unaware of how this affects the immediate local economy (still heavily based on trade) and the environment.

The additional preparation methods required in preparing these items certainly consume more fuel, in an area where natural gas is often not available. If there is an increased demand for fossil fuels and rare foods, those materials must be collected or brought in from wherever they are available, increasing costs that eventually permeate the entire economy.

Those are certainly not the only reasons to try Nepalese food. The mere fact that it is delicious has a lot to do with it. With so much to prove, it is an enigma in itself to know why so many freak out.

Nepal, sandwiched between China (Tibet) in the north and India in the south, has for thousands of years been the stopping point for travelers from both regions. With these travelers came the food and the mix of foreign influences along with local cuisine has created the Nepalese menu, but it doesn’t stop there.

If one were to visit a website dedicated to traveling in Nepal, they would undoubtedly find a bit of how culturally diverse Nepal is as a country, which has dozens of ethnic groups, many of them with their own special foods.

There is the Newari, “sukuti”, which is a delicious pre-dinner snack to accompany the drinks, with shredded dried meat (jerky), ginger, garlic, onion, tomato, salt, oil and some crushed green or red chilies to heat . The plate, which is spooned into the hand, is eaten like peanuts or chips.

Of course, it seems that every country has its version of the dumpling. Called “mo-mo” in Nepal, it is a juicy steamed dumpling, traditionally round and filled with a number of things, from chicken, goat (lamb), buffalo to vegetables and potatoes. Served with a spicy sauce, the dish is a favorite among Nepalese and travelers and is offered at what appears to be almost every food venue.

Traveling near and around rivers, you will almost certainly come across another delicacy that, if found in the west, would give fish and chips some fierce competition. This delicious snack is the “tareko matza” (bam), an eel fish, usually no more than 25 cm (although other dishes use much larger specimens) battered in spices, fried and eaten whole. Truly terrifying at first, they are irresistible after the first bite after a dip in a sauce. The fish is such that there are no inedible bones and the smallest specimens can be eaten as is. The largest, you can easily get rid of the backbone by simply separating the flaky and crispy fish once cooked.

Served with almost all traditional Nepalese foods, it is the Nepalese staple of Dal Bhat Tarkari. A thick lentil broth is poured over the rice and served with any number of vegetables and, in some cases, some meat. Generally vegetarian in nature, the dish, rich in protein (lentils), carbohydrates and vitamins, is an important source of nutrition in Nepal. The usual food in Nepal is Dal Bhat and any number of garnishes to spice up the food.

Nepal, like any other country, does not fall short on street food, the most popular of which in this case is samossa or panipuri. Samosa, is a pyramid-shaped cake filled with a spicy and fried potato filling. Panipuris are crispy, golf-ball-sized, flower-based shells that are filled with the same potato filling that, after dipping in a tasty sauce, are eaten whole. Corn lovers can find at any time shells that are roasted over an open fire, turning the outside of the corn into a kind of chard, and crisp consistency with a softer interior inside the grains, rubbed with salt and crushed chilies if they are want. There is also “chatpate” is the mixture of beans, corn and other ingredients that are mixed with spices and lemon juice and eaten in a cone-shaped paper cup.

Whatever the food, they all have something in common. Spice! Nepalese cooks like spices, which are often hotter than hot. Of course, hot is never off the list of options. Kathmandu’s colorful Asan Market is popular with tourists and photographers for the wide range of spices sold there. From curries, fungreek, ginger powder, garlic, cumin, the precious saffron and whatever you want.

Food carries many of the answers about what a culture is like. Nepalese food is no different. Within its flavors, textures and smells it carries the story, the reasons behind Nepalese daily life and many other answers if one just looks. There are religious festivals held to welcome the monsoon season and it is no wonder when you consider the cultivation of rice and the fact that rice is the staple food of Nepal. Life revolves around food and cultures are shaped by it. If you come to Nepal, immerse yourself, don’t be afraid to come out of your shell. Try the food, it’s good.

Technology

Disney just awakened the potential of Hulu

Did you see the Golden Globes this year? Honestly, I didn’t, but my wife was looking up at it. I know this because I helped make sure the NBC live stream worked well on our Roku.

The Golden Globes are historically a celebration of traditional media: television broadcasts, cable shows, movies, etc. This year marked a turning point, underscored by the fact that my wife, who is not a tech savvy, streamed the event rather than watching it on cable.

Tech companies dominated the award ceremony. Amazon claimed Best Television Series, Musical or Comedy with The wonderful Mrs. Maisel, with lead actress Rachel Brosnahan also claiming the Best Actress award in the category. From Netflix Nobody’s masterAziz Ansari won the award for Best Performance in a Television Series, Musical or Comedy.

Finally, Hulu’s The Handmaid’s Tale won for Best Series, Drama, with lead actress Elisabeth Moss claiming the Best Actress award in the category.

It was the first time that streaming services had won the top two television categories at the Golden Globes. In the end, the “new big three” had won five of the 11 television categories.

2017 was a spectacular year for online streaming, but 2018 could be even bigger. Both Netflix and Amazon are poised to grow considerably, especially considering the billions they are spending on creating and acquiring content.

However, heading into 2018, a dark horse has entered the competition, one that will shake up the current hierarchy of the new Big Three and offer a solid investment option in the process. That dark horse … or mouse, in this case … is The Walt Disney Co. (NYSE: DIS).

The mouse is roaring

In the third quarter of last year, Disney announced that it was launching its own streaming service. At the time, the idea had merit, but was largely overlooked since Netflix, Amazon, and Hulu dominated the online streaming market.

Despite having volumes of quality content, Disney still had a lot of work to do. Designing an online streaming platform from scratch is no small feat. If it were easy, there would be a lot more competition in the market.

But the situation changed dramatically in December when Disney announced that it would buy the film, television and international assets of Twenty-First Century Fox for $ 52.4 billion. On the surface, the deal appeared to be a major content grab for the media conglomerate. In one fell swoop, Disney took the Avatar franchise, The Simpsons TV series and Marvel rights X Men franchise, among many others.

More importantly, however, Disney got a majority stake in Hulu. Before the acquisition, Disney, Fox and Comcast each controlled about 30% of the Big 3 online streaming service, with Time Warner’s 10% stake making the difference. After the purchase, Disney now controls a 60% majority stake in Hulu.

Only Comcast’s 30% stake now stands in the way of Disney owning its own online streaming service. In other words, you no longer need to build one from scratch. Plus, Hulu is growing fast.

Hulu is a growth engine

Last week, Hulu announced that it had more than 17 million total subscribers between its on-demand service and its live TV plan. According to Hulu, those numbers were up 40% compared to 2016. The company also said its total audience grew to 54 million unique viewers in total.

Now, many investors will likely scoff at the 17 million subscribers in a market where Netflix has more than 52 million subscribers. But remember, when we think about investing, we want growth.

Netflix isn’t a bad investment, but it’s not likely to see 40% subscriber growth again in a year … especially in the United States. The market is too saturated with Netflix accounts for that.

Hulu, on the other hand, has always had a lot of room to grow, it simply lacked a controlling sponsor with the right mix of content out of the box. With the Disney acquisition, that problem is solved, and both Netflix and Amazon have big and nice goals behind them.

The caveat about Disney’s control of Hulu is, of course, Comcast’s stake in the company. But the two seem to have a mutual respect for each other.

Last February, Comcast offered to merge with Disney, an unsolicited offer that Disney clearly rejected. More recently, Comcast pulled out of the bidding war for Fox assets, clearing the way for Disney to take over.

There is also the possibility that Disney will go ahead with launching its own branded streaming service. Combine this with ESPN’s sports service Disney is planning, and the company could control three different streaming services in 2018. That’s a sizeable chunk of the online entertainment market and worth investing in.

Invest in Walt Disney stocks

Disney shares were far from the best performers last year. But Disney stocks have become a momentum game heading into 2018.

The shares have risen from their September low, with DIS regaining support. Additionally, Disney has pushed its 50- and 200-day moving averages to a bullish crossover, a technical formation that often indicates longer-term gains for stocks.

DIS’s 14-day Relative Strength Index (RSI) sits close to overbought levels. In other words, traders may want to wait for a pullback before initiating a position, depending on their risk tolerance in their portfolio.

That said, with Disney’s growth potential this year with Hulu, its own streaming services, and its sizzling franchises like Star Wars and Marvel, a small risk is worth the potential return.

Home Kitchen

Get the newest and freshest look for your kitchen with kitchen cabinet door styles

It should be a mix of style and functionality, and kitchen cabinets are a huge part of all the décor in this kitchen. It is almost the main focus of the kitchen because it is a huge structure that can also store a number of objects inside. Also, cabinets are often the structures that are first noticed when someone walks into the kitchen.

Choosing doors for kitchen cabinets

Sometimes just redefining kitchen doors can change the whole look of the kitchen. You are lucky that there are different types of kitchen cabinet doors available in the market that you can use for your kitchen decoration. Styles include:

• Built-in closet doors– The style of pocket doors has existed since the beginning of the 20th century. Back then the cabinet structure only supported this style of cabinet doors. This style features small hinges on the front frame or visible frame of the cabinet opening, or it could also be inside the cabinet. The hinges are generally visible when the door is closed. The face of the closet recessed door is in the same plane as the front edge of the closet box. This option is slightly more expensive than other styles of kitchen doors. It also leaves less space inside the cabinet.

• Cabinet doors with partial overlap– Partial Overlay Doors are a modern recessed update and feature doors that mount over the face of the box. It partially covers the front frame thus giving the structure its name. The front bezel reduces accessible space within the cabinet, but still allows more functional hardware to be installed if required. Sometimes the look can be overwhelming and seem clumsy. This style is good for spacious kitchens to make them appear larger in terms of space. The hinges are sometimes visible and sometimes hidden.

• Euro or full lap cabinet doors– These are absolutely the newest modern looking kitchen doors. The name is derived from the face of the door that completely overlaps the box, meaning that it not only covers the opening, but the entire face of the box. No front frame is visible and the hinges are also hidden. It has a great finish and allows maximum space within the cabinet. However, these require some maintenance effort, particularly with the knobs.

Therefore, it is helpful to gather some knowledge about cabinet doors before buying kitchen doors for your kitchen. This will not only save time and money, but it will also help your kitchen look beautiful. You will definitely become the envy of your neighbors. Just remember to look for colors that match all your home décor or kitchen décor so it doesn’t seem disjointed.

Auto

The diesel DPF dilemma

If there was a way to make your street legal Diesel Particulate Filter (DPF) equipped diesel truck perform to the same level as a DPF removed off-road racing rig, would you like to know how? The removal of the DPF is great for off-road racing, but what about the rest of us who just want better fuel economy, better towing and diesel performance?

Most late-model diesel truck owners are now familiar with the term DPF. If you used to get 15-20 miles per gallon on your pre-DPF diesel truck, you were probably surprised when you first found out that your new $ 50,000 diesel had 8-13 MPG. And how about the first time towing a heavy load on a long slope when your diesel suddenly entered DPF regeneration and your speed plummeted to the point of being dangerously slow? If you are like thousands of other diesel owners, you have been looking for a way to safely and legally improve your diesel fuel economy, as well as increase horsepower in your 2007.5 to 2010 Dodge Ram 6.7L Cummins equipped with DPF, 2007.5 to 2010 GM 6.6L Duramax, or Ford 6.4L Powerstroke from 2008 to 2010. Now there is a new option that will give you exactly what you want!

Many of the leading manufacturers of diesel performance aftermarket products have tried to find an effective way to reverse the performance reduction and fuel economy effects of the DPF emission control device. Matt Snow and the diesel performance geniuses at Snow Performance have come up with a simple but brilliant solution. Installing one of their Diesel Stage 3 MPG-Max Boost Cooler Water and Methanol Injection Kits on a DPF-equipped truck increases fuel economy by 1-3 MPG, with most diesel owners getting more than 2 MPG. And here’s the best part: the more often your truck will go into DPF regeneration before installing the Boost Cooler kit, the greater your fuel economy gains. Let’s see the reasons why.

A diesel particulate filter is designed to remove soot and other particles from the exhaust gas stream. Filtered soot and particulates build up until the filter needs cleaning, a process called “regeneration.” In the Dodge, Ford, and GM diesel engines that are so popular in North America today, filter regeneration or cleaning is accomplished through the use of a fuel burner that heats the particulate filter to the point of soot combustion. and particles. Each time your filter needs to be cleaned, more diesel fuel must be burned to heat the filter. And, as you can imagine, this doesn’t help with diesel fuel economy.

Snow Performance’s product development team already knew that pre-DPF diesel engines using their Boost Cooler kits experienced decreased particulate matter and NOx emissions due to increased combustion efficiency. The injected methanol acts as a combustion catalyst, which means that your diesel fuel burns more efficiently and completely. Instead of sending unburned fuel and particulate matter up the tailpipe in the form of smoke and pollution, using Snow Performance methanol and water injection kits on pre-DPF diesel engines had their emissions dropped dramatically. What they didn’t know for sure, but suspected, was that their kits would have an even more beneficial effect on new diesel trucks that would come out with DPFs installed.

The Snow Performance team was right. Running one of their Boost Cooler kits on a DPF-equipped diesel truck still led to lower exhaust gas temperatures and increased horsepower. Most importantly, the methanol and water injection kits improved combustion efficiency so dramatically that the particulate filters in their test trucks never got dirty enough to need cleaning. The exhaust stream was so effectively “scrubbed” by injecting water and methanol that the filters did not need to go into regeneration mode. Of course, this led to even bigger and consistent gains in fuel economy.

For diesel performance enthusiasts, combining an MPG-Max Boost Cooler Stage 3 methanol and water injection kit with a diesel performance chip, programmer or tuner allows you to use today’s popular electronic power summers without the worry. to clog and ruin your expensive particles. filter. Now you can have your diesel performance cake and eat it too! For increased fuel consumption, more horsepower and torque, a better towing experience, and reduced emissions without resorting to DPF removal, invest in an MPG-Max Boost cooler water and methanol injection kit. Snow Performance Stage 3 Cooler for your DPF equipped Cummins, Duramax or Duramax. Diesel Powerstroke today!

Digital Marketing

Minor League Baseball Tips for Turning America’s Favorite Pastime into a Home Run Event

What did that baseball player do at the plate? Why is everyone cheering? Baseball is as American as Apple Pie, but it’s not in everyone’s wheelhouse. If you have a child who plays the minor leagues, not knowing the difference between a home run within the park and a triple play can take the fun out of your shared experience. This article hopes to provide some baseball terminology and find a way for you and your Little League player to enjoy the season together.

You have never caught a baseball, run to home plate, or even watched a baseball game in nine innings. Now, your son has let you know of his desire to join the local Little League team. So what do you do now? Do you just drop it off in practice and pick it up when it’s dinner time or get to work on some terms and get acquainted with America’s favorite hobby to invest in a better relationship?

I guess since you are still reading, you have decided to adapt on some terms and help your child become a better player. Good for you! Let’s start with ten basic terms heard during a typical Little League Game.

Ace: the star pitcher of a team … hopefully his son.

Barrel: The part of the bat that is conventionally used to hit the baseball.

Base Hit: A hit that allows the batter to reach first, second, third, or home base, unless by “fielder’s choice.”

Fielder’s Choice: When the fielder allows the batter to reach first base to throw a runner at another base.

Foul Lines – The lines that extend from home base through first and third base to the outfield walls.

Complete count: it has three balls and two strikes.

Ground Rule Double – A hit automatically awarded by the umpires when the ball lands right and bounces out of play.

Knuckle Ball / Knuckler – A slow pitch with no twist that wobbles when approaching the batter.

Major leagues (or “majors”): The American League and the National League.

Pinch Hitter or Pinch Runner – A substitute batter or runner who enters the game to replace another batter or runner.

Once you understand these terms and yearn for more, you can easily search for additional baseball terms on the internet.

So you’ve learned the terms and you’re ready for the big leagues … that is, hanging out with your kid and showing him you’re in the game. What is the next step?

Watch your child play ball, observe what he is doing, and discuss all the great contributions he made during practice or during his minor league game. His need for your undivided attention will be satisfied and he will know that you really care.

Business

Buying life insurance: 3 quick mistakes to avoid

It’s no secret that most Canadians today don’t really understand the life insurance policies they own or the topic at hand. Life insurance is such a vital financial tool and an important part of your financial planning that it is up to you to have a basic level of understanding.

Here are 3 quick traps that are important to be aware of.

Incomplete details in the application

All life insurance contracts have a two-year challenge clause, which means that the insurer can challenge a claim submitted within two years of the application date if important information was not disclosed during the application process. If you have forgotten to write down a material fact in your application that is relevant to the claim, your claim may be denied. Fraudulent acts, such as lying on the application, would not only cause a claim to be denied, but could also possibly terminate your policy entirely. It goes without saying that you should always be honest when completing a life insurance contract or any insurance contract for that matter. A copy of the original application is often part of the policy and generally supersedes the policy itself. Having said that, each insured has a 10-day right to review their policy once they receive it. In that period of time, if you think the policy is not up to par, you can return it to the company and all premiums paid will be refunded.

Buy the right term coverage for your situation

This process should start with a question first: “What do I need the insurance for?” If your need is to cover a debt or a liability, then perhaps the term is better; however, if your need is longer-term, such as for final expenses, then permanent or full life would be a better option. Once you have established your need, you will have to decide what type of coverage you want; term or permanent.

Term contracts are the easiest to understand and the cheapest because the policy has an “end”; generally 5, 10, 15, 20 sometimes even up to 35 years. If the policy is renewable, a premium increase will be required at the end of the term and this is usually a big impact on the client’s bottom line. As an example: a 35-year-old non-smoker with a 20-year term and a 300k benefit can pay between $ 300 and $ 400 per year in premiums. When this policy is renewed at age 55, your new annual premium could go up to $ 3,000 per year! Most people do not understand this and at the end of the period they are devastated and usually unable to continue politics. It is recommended that your temporary program have a convertibility clause so that you have the option of converting your temporary life to a permanent policy. You can exercise this right at any time within the term of the policy without evidence of insurability. Taking a term policy without a convertibility clause should only be done when you make your purchase for something of a specific duration. Also, the short side of term life is that it does not accumulate any value within the policy, while permanent / full life does.

Permanent / Whole Life Insurance is a very complex form of life insurance because it has both insurance and investment aspects. These policies are more beneficial because you have equity in the policy and are covered until death; however, they are much more expensive than term insurance. One option that you can consider is a permanent policy with a specific term to pay it off. Using our example above, you could have a permanent policy that has a term of 20 payments, which means that you will make premium payments for the next 20 years and after that, you will have your policy until death without having to make any other payments. . It is very important to understand the variables along with your needs before making your purchase.

Buying creditor life insurance vs. Personal life insurance

One of the biggest misconceptions people have is that your creditors’ life insurance is true personal life insurance coverage and will protect your family in the event of death. Too often consumers buy these products, usually found with their mortgage and credit cards, simply by putting a check mark in a box during the application process to accept the plan. It seems the most responsible, but many families are left in paralyzing situations when it comes time to complain. Creditor life insurance, like mortgage life insurance, is designed to cover the remaining debt you have. Ultimately, making your mortgage payments on time is reducing your remaining balance. The creditor’s life insurance also decreases as your debt decreases. Note that the lender is named as your beneficiary on your policy, therefore, upon death, the remaining balance on your mortgage or credit card is paid to the lender, not your family. In a personal life insurance policy, you choose the beneficiary and, upon death, the full amount of the benefit is paid to the beneficiary of your choice.

Personal life insurance is a great asset for a myriad of reasons. When you buy life insurance, you are buying with peace of mind, but you need to properly assess your situation and make sure you are clear about exactly what it will do for your family.

Relationship

Teach Kids to Invest Book Review: A Children’s Guide to Investing in the Stock Market

By: Tamra Orr (2009)

Published by Mitchell Lane Publishers, PO Box 196 Hockessin, Delaware 19707

ISBN 978-1-58415-642-0

Book Price: $ 11.00

Author of over 100 children’s books

Tamra Orr is the author of more than 100 books for children of all ages, as well as several books and articles on money management and the stock market. She lives in the Pacific Northwest with her children and her husband and spends as much time reading as she can. Being an author is the best job you can imagine.

The investment world

In 6 short chapters, readers will find a concise presentation of the world of investing. Tamra Orr asserts that investing is partial ownership (ch. 1); become a shareholder (Ch. 2); decipher the code (Ch. 3); the world of stock exchanges (chapter 4); survive an accident (ch. 5); And it’s never too early to start investing (Chapter 6). Start learning today.

Inspiring young minds to invest

Tamra Orr engages young readers with relevant topics and youthful expressions, to spark their interest. She starts a conversation between two young students at school, sharing, “Tim chuckled … I own part of McDonalds.” “You do not!” Sasha exclaimed. “… My grandmother bought me some shares in McDonalds for my birthday …”

By defining terms in simple language, Tamara informs young readers without boring them. This will work for adults too. While explaining what a stock is, he says, “It’s a part of a business that other people can buy.”

Orr shares simple, practical tips anyone can follow to help readers apply his principles. She focuses on investing in the stock market suggesting, “If you don’t have the cash right now, you can still learn about the market. Pretend you have the money and then follow the market to see what would have happened. ..”

Tamra has a great ability to focus on things that attract the attention of young people. In one case, he focuses on the ability to vote on company problems, revealing: “Owning a small part of a company can be exciting. In many companies, owning a single share is enough to buy you voting rights. … your vote could eventually affect whether McDonald’s adds another chicken sandwich or a new flavor of cake. ” This promises empowerment to children.

Children and adults will be educated and encouraged to start investing. Orr jokes: “It’s never too early.”

Reap the benefits of personal investment

Tamra Orr educated, inspires and empowers young and old to reap the benefits of personal investment!

Success Step: Find a favorite company on the New York Stock Exchange (NYSE) and follow its trading activity.

Gaming

Book Review, In the Neighborhood by Peter Lovenheim, Searching For Community, One Sleepover at a Time

Peter Lovenheim lives in a prosperous suburb of Rochester, New York. In February 2000, there was a murder-suicide involving a couple of doctors in a house on their street. Two children ran out of the house after 10pm screaming that their father had killed their mother. No one in the neighborhood knew the family well, who had lived there for seven years. Lovenheim was puzzled at how a 36-house street lacked a sense of community. He wanted to meet the people whose homes he passed every day, regardless of their professions or number of children. I wanted to know the depth of his experience and his essence. Lovenheim knew from childhood sleepovers and summer home swaps that waking up in their beds, preparing food in the kitchen, and walking around their neighborhoods provided insightful conversation that she couldn’t do on her own. His mission would require a sleepover party. Some residents refused; and yet many said yes. In the Neighborhood: The Search for Community on an American Street One Slumber Party at a Time, it’s Lovenheim’s nearly decade-long experience to embrace your neighborhood.

Lou, 81, was the first resident to comply with Lovenheim’s request for a night’s sleep. Lou, a retired surgeon, lost Edie, his wife of 52 years, five years ago and misses her very much. They raised six children who now live throughout the United States. Lou welcomes Lovenheim’s company, as his schnauzer, Heidi, is his only companion. Lovenheim accompanies Lou to the local Y where he exercises. There, his regular sparring partners praise Lou’s arrival. He appreciates her acclaim, reminding her of his popularity during his surgeon days. However, when he comes home to an empty house, as Lou says, “My life is zero.”

Patti, in her 40s, lives a short distance from Lou and they are not connected. Patti, a radiologist, diagnosed her own aggressive form of breast cancer. He gave up medicine to undergo chemotherapy. Lovenheim befriends Patti, a divorced mother of two preteen daughters. She also accepts your request for a sleepover. Lovenheim witnesses her health deteriorating over time and helps her whenever she can.

Grace, in her late 90s, had walked through the Lovenheim neighborhood almost every day for forty years without recognizing him. He lived in a nearby town, but chose to exercise in the beautiful surroundings of the Rochester suburb. Residents called her “La Caminante” from afar. Lovenheim approached Grace during one of her walks and explained her book project. She invited him to her apartment where she learned about her fascinating experience. She once lived in New York City and was an accomplished pianist and harpist. Once, while walking, he fell. He crawled down the street back to his car and headed to the emergency room. Lovenheim wonders if a place where an old woman falls and is not cared for can justly be called a “neighborhood.”

The married couple, Deb 32 and Doug, 42 represent the youngest faces on Lovenheim Street. Lovenheim spends the night and feels like a more self-reliant partner. They are both on the fast track in corporate America, childless and trying to conceive. They are active members of the local country club. Deb tells Lovenheim that she once needed vanilla for the cookies and made Dave drive in a snowstorm to buy some. Ideally, he thought, she should have been able to borrow something from him as a neighbor.

Lovenheim travels with Brian, the newspaper boy at 4:00 am to experience his street from a different perspective. He also walks alongside Postman Ralph’s delivery truck (postal regulations prevent passengers from the vehicle) as he makes his daily route. Ralph recounts how he helps residents, including recognizing the signs of a stroke in a client and asking for help. Lovenheim believes Ralph knows more about his neighbors than they do: “I began to realize that, in some way, he was a better neighbor to us than we were to each other.”

Lovenheim validates his neighboring efforts by introducing Patti to Lou. Lou appreciates the opportunity to take Patti to her doctor’s appointments; making him feel needed. Lovenheim borrows sidewalk salt from Deb; and agrees to take Patti’s daughter to the skating rink as her health deteriorates. When Lovenheim’s romantic interest ends, he turns to Lou for comfort. They share breakfast almost daily for two weeks while Lovenheim readjusts. “That I would end up being the one who would find refuge in a neighbor’s house is something that never occurred to me when I started my journey, but there it was,” says Lovenheim.

Lovenheim deserves credit for taking on such an assertive project. He showed immense patience as he befriended his neighbors for some time before requesting a sleepover. He also faced rejection from those weary of his intentions.

In an age of social media where we rapidly have more than 50,000 “followers” on Twitter, reading Lovenheim’s narrative raises the question: Do we actually know our next-door neighbor?

For thought-provoking questions about neighborhoods, see In the neighborhood Reading guide: http://us.penguingroup.com/static/rguides/us/in_the_neighbourhood.html.