Saturday, June 23, 2012

he Biggest Challenges a Foreign Person Faces When Moving to an English Speaking Country

Anyone who moves out of their native homeland can encounter many obstacles that will make starting out fresh a very difficult process. The cultural differences alone between two neighboring countries can be like that of night and day, but there are few barriers more difficult to break down than the language barrier. The inability to speak or understand the native language of a country you are entering makes for a very imposing obstacle to overcome, and despite the fact that the English language is one of the most widely spoken, it's multitude of tiny intricacies and nuances make it one of the hardest for a foreign person to get a good grasp of or feeling for.

On appearance alone there are some languages that appear much more imposing than the English language, partially due to the fact that English has many similarities to languages spoken in other counties. In the English language there are striking similarities to many of the characteristics present in Spanish, French and German - so what are the things that make the English language so difficult for a foreign person to learn?

What to Stress

English doesn't necessarily have more regular consonant or vowel sounds than other languages, but how the stress is placed on some of those consonants or vowels that make it such a difficult language for someone who is learning. There are hard and soft consonants like 'c' taking on a 'k' sound or an 's' sound depending upon the situation. There are silent letters in some words and then some consonants that when combined take on an entirely different sound (like 'th'). The unusual combinations and ever present rule changes in the pronunciation of words make English much more complex to learn than it would seem.

Verb Tense

Another thing that sets English apart as one of the more difficult languages to learn has to do with verb tense. Some languages have very limited connotations of verb tense, sometimes basically just present and past, making it relatively simple to grasp. English, on the other hand, is a bit more complex in this area - for example in different situations it may be appropriate to use any of the following tenses: present; past; future; past perfect or present perfect - the verb 'choose' can be used in the following forms depending on tense: choose, chose or chosen - this can be very difficult for someone with no familiarity with the language to grasp.

Sunday, June 3, 2012

Term Life Insurance - And What Does "Annuitant" Mean?

In the insurance parlance, Annuitant is defined as a person who benefits from a pension or annuity. It can also be said to be a contract with an insurance company which is designed to give payments to the holder of the policy at specified intervals. The insurance payments are usually made after retirement.

There are two types of annuities - fixed annuity and variable annuity. A fixed annuity ensures a certain payment amount whereas a variable annuity does not provide for a certain payment amount. Both the annuities are safe and low yielding. The advantage of the annuity is that it provides a higher payment of the current value at the time of death. In case an individual dies before the policy period is over, the beneficiaries are the heirs who receive the accumulated amount of the annuity. The payments are subject to income and estate taxes.

Factors Affecting Insurance Terms and Rates

The life span of the person affects the annuity. Date of birth is the important factor which is used to determine the annuitant's age. If the annuitant is relatively young, the period of insurance will be long and therefore the premium will be low. Another aspect that an insurance company looks into is the sex of the annuitant. Women generally tend to live longer then men for which the insurance company has to budget in a different way.

Getting yourself insured appears to be a complicated affair, but there is hardly any complication involved. Before an insurance company offers you insurance, it needs a horde of information to determine the insurance rates. The insurance company is taking a calculated risk on your insurance. They need information such as your age, medical history and life expectancy in order to make a proper insurance offer to you. There are no legal complications involved in the insurance policy for which you may have to hire legal experts.