Someone once said that the best life insurance is the kind that is still in force when you die. In essence that is really true, but there is much more that goes into the equation. The Freedom Life Insurance Company is ready and able to equip you with the best life insurance planning and the policies to match.

There are two basic kinds of life insurance from which to choose. Term life insurance is a temporary kind of life coverage that expires at a certain date. However, most term policies will last for 30 years or less, depending upon how long the policy owner chooses.

Permanent life insurance lasts for as long as the insured lives, or usually until age 100, the actuarial term of human life. If a person were to reach age 100, as in this example, the permanent life policy would mature and the policy owner would receive the face value of the policy.

Permanent life insurance has a cash value, or surrender value. This is really the reserve inside the policy to account for a person getting older every year. Each year a person ages makes it mathematically more of a risk for the insurance company to insure an individual. The reserve offsets that risk each year that it accumulates.

The cash value can be borrowed against throughout the life of the permanent life policy. If death occurs, the death benefit will be for the face amount less any outstanding loan.

The Freedom Life Insurance Company offers both kinds of life insurance. Typically, term life insurance is very suitable for young families where a lot of coverage can be purchased for a smaller amount of premium. Term is the least expensive of the two types of coverage.

Permanent coverage is more suitable for final expense coverage for families, college funding and retirement. It is also used quite a bit for business life insurance in situations like deferred compensation, buy-sell arrangements and key person life insurance.

The Freedom Life Insurance company has well-trained agents who will help you with your life insurance planning. In most cases both term and permanent life coverage will be used to plan your life insurance estate. Learn more:

Betsy DeVos is a renowned businesswoman and politician for the Republican party. She was an advocate for Detroit Charter Schools in Michigan. She’s donated $150,000 to Academy Charter Schools from the Philanthropic Foundation started by her and her husband, Richard DeVos, in 1989. They have also approved another $150,000 for future payments.


Among other efforts to enhance charter schools, Betsy DeVos is optimistic about the growth of students in private choice programs that are funded by the public. 250,000 students are in these programs in 17 states. Within one year, Lousiana, Pennsylvania, Virginia, New Hampshire, and Mississippi have had students of educational choice programs grow by 40,000. In 2012, Ohio, Lousiana, Pennslyvania, Florida, and Arizona have expanded their programs.


When starting to support the students and parents of the Potter School helped her foundation grow to support a larger group of students and families with a low income. Mr. DeVos was elected to the State Board of Education in Michigan in 1990. During this time, Betsy DeVos was committed to helping parents that didn’t have the necessary means to allow their children to attend a charter school. As a mother herself, she understood the need for parents to send their children to a great school. This is when The DeVos Foundation began a scholarship program. This is a program where students can receive a scholarship based on low-income families and parents can choose where to send their children.


Flordia has a tax credit scholarship that supports nearly 50,000 students. Their families have enjoyed the fact that they were able to pick the educational choice they wanted for their children. Louisana and Indiana are capable of serving nearly one million students every year. Although not all students may take advantage of the program, it’s an educational choice to adopt at a higher level.


Children today are more tech savvy. They are able to navigate through a tablet or computer by age two. Parents understand that their children are ready for digital learning. There are more educational avenues that need to be explored so children can have fun learning instead of being lectured. Homeschooling is available to parents who want to have a say in what is taught to their child. Many more parents are trying this method. It’s never too late for parents to educate themselves in order to teach their children at home.


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Anthony Petrello is the current President and the CEO of Nabors Industries Limited. Most of the people refer to him as Tony. Nabors Industries is one of the most significant gas drilling companies and oil drilling companies in the world. The Industry began in the year 1968. The Industry is in Hamilton, Bermuda. Anthony is widely known for participating in charitable organizations. He gives his help to the Jan and Dan Duncan Neurological Research Institute. Tony is part of the Board of Trustees for hospital of Texas Children. He wants to do whatever he can to help children who are suffering from various types of neurological conditions. Tony lives in Houston together with his wife.

Anthony Petrello studied at Harvard University which is in Cambridge, Massachusetts where he attained a Juris Doctor degree. He also studied at Ivy League School, Yale University in New Haven, Connecticut where he achieved BS and Baker MS degrees. Anthony began professional career in the early seventies. He got his first job at Baker McKenzie which is a known law firm. Tony worked at the New York branch from 1986 to 1991. After he left his work at McKenzie’s law firm, Tony got a job at Nabors Industries as the Chief Operating Officer. In the year 1992, Tony was promoted to be the industries, President. Due to Tony’s hard work and intelligence, he is in close contact with Media on Demand, Nabors Blue Sky and much more. Tony’s kind nature enables him to help and offer assistance to the communities that are around him.

Before Anthony Petrello became the Chief Executive Officer of Nabors Industries, he had worked in various positions. He worked as: the deputy chairman, the chief operating officer, the chairman of the board and the executive committee. As the current Chief Executive Officer, Tony does his best to ensure that the Nabors Industry stands out in the midst of competition. He gives guidance on the planning of strategies. The contract that Tony has signed with Nabors Industries gives him the privilege of earning 80 percent of his income from the company’s revenue.

Anthony Petrello philanthropic efforts have been great. His initiative to support the Neurological Center is an act that shows his humanitarian side as well as a commitment to giving back to the society. Anthony hopes that a cure will finally be found and the suffering of children living with such disorders will be taken away.

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 Healthy Living

Researchers have been making good progress on delaying aging in mice and other animal subjects. However, regulatory authorities such as the FDA have so far forbidden human trials, and it could be decades before human trials are deemed safe.

However, Elysium Health, one of the leading companies in this front, is introducing supplements that are aimed at trying to tackle this issue.

Nutraceuticals the Way to Go

Nutraceuticals are ordinary drugs that don’t necessarily need the FDA’s regulation or approval – they are drugs like vitamin supplements. They are easily available over-the-counter, but they are not as sophisticated as what Elysium Health proposes.

Elysium Health plans on introducing a nutraceutical that it has named Basis. The pill is designed to mimic the effects of the compound NAD (Nicotinamide Adenine Dinucleotide). NAD is known to contain some properties that mimic the effects of eating food that has extremely low caloric content.

Basis pills will go for $60 for a bottle and $50 for clients who choose to subscribe to a monthly recurring supply. Additionally, the company will follow up with clients and administer post-marketing surveys and surveys to determine its efficacy.

Why a Dietary Approach?

Although researchers have taken several approaches to trying to find a deterrent for aging, one of the approaches has involved dieting. Researchers have observed that lab mice that are fed on low-calorie diets tend to outlive their counterparts.

To this end, Elysium Health is banking on this approach to bring out the same effects on humans. In fact, the company is marketing its drug, Basis, as a dietary supplement.

Basis pills have not yet been introduced into the market, but the company claims that it is on track to do this. In fact, the company’s founders and investors (most of whom are experiences the effects time has on a body) have already placed orders for when the pill hits drug stores across the U.S. Additionally, the company, as well as its proposed drug, have received outstanding endorsements including from Martin Karplus, a renowned Professor Emeritus teaching at Harvard.

About Elysium Health

Elysium Health is one of the research companies leading in the quest for longer and healthier lives. It comprises of a team of world-renowned researchers including renowned scientists in the fields of physiology and chemistry. The company was founded by Leonard Guarente, a renowned and accomplished MIT biologist.

Elysium Health is currently working on a drug that it hopes will prove that the effects of growing old can be affected by manipulating the body’s metabolism. The proposed supplement, Basis, will be easily available over the counter and affordable for all.

Equity Group Holdings Limited is a financial services group headquartered in Nairobi, Kenya. It was first founded in 1984 under the name of Equity Building Society as a mortgage provider for low income groups. It has various subsidiary groups in other parts of Kenya, Uganda, Tanzania, South Sudan, Rwanda, and the Democratic Republic of the Congo. EGHL has done exceedingly well for itself in recent. In 2008 it had two notable honors: 1) It received the Euromoney Award for Excellence for being Kenya’s best bank and 2) It was also awarded the Renaissance Capital Bank Awards for being the best bank in Kenya. To know more about the company click here.

In 2009, ot was honored as the Best Performing Company in Africa. It was in 2014 that change to its current name. But it did more than just change its name during this year; it totally reinvented itself. By 2015 it controlled assets of more than $8.855 billion. It was also by this year that it had attained over 9.2 million clients. EGHL currently has a massive clientele of over 10,000,000 people.

Sheldon Lavin is currently one of the most popular entrepreneurs in food industry globally. Lavin is serving as the CEO and Chairman of OSI Group llc: a world class food processing organization. He has been in the global business world for more than 45 years. Before joining the food processing business, Sheldon Lavin had a successful career in the banking industry as an investor. It’s during this period that he established his financial consulting company; Sheldon Lavin and Associates, Inc. in Chicago.

He became part of OSI Group, the then known as Otto & Sons, in 1970. Lavin has since expanded the company into a global multibillion dollar food processing business. OSI Group has grown widely and continues to provide quality meat, fish, poultry, and vegetable among other special products globally.

OSI Group grows locally and internationally

Under his strategic leadership, the group has made significant expansions both in domestic and international markets. In 2016 alone, OSI Group made 3 strategic acquisitions in Chicago and Europe. In expanding the firm’s local processing base and market share, Sheldon and McDonald purchased Tyson Foods: an investment reported to worth $7.4 million. The group also purchased a controlling stake of Baho Foods, a Dutch based food processing plant serving about 18 countries in Europe. The deal has been cited to complement the group’s current processing power and broaden its presence in the continent.

OSI Group didn’t stop there. The company went further and acquired Flagship Europe. The symbiotic deal would see Lavin and his company take over production of frozen condiments, poultry and pies from Flagship. The later would in turn receive support in its future expansions from OSI.

Sheldon and OSI Group receives global awards

The tireless effort by Lavin towards the success of OSI Group has not gone unnoticed. The CEO received the Global Visionary Award in 2016 for turning the company’s dreams into a reality. The Group has also received several prestigious awards on safety, health and environmental management.

Sheldon’s Background

Mr. Sheldon Lavin was born in 1932. He attended Northwestern University and the University of Illinois pursuing accounting and finance. Lavin earned his BSc degree in Business from Roosevelt University. He began his career in the banking sector before shifting to food industry.

He has since served in various top management roles in the course of his career. A part from being the CEO and Chairman of OSI Group LLC, Sheldon leads OSI International Foods LLC and OSI International, Inc. among many others. He is a passionate philanthropist and continues to show great focus for his company.

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When the average person hears ‘ROC Nation’ they more than likely will immediately think of superstars like Jay-Z, Rihanna, Meek Mill, Big Sean, J.Cole and others. These are just a few stars whose fame and success have reached great heights because of one woman, Desiree Perez.

ROC Nation is one the most significant entertainment production companies throughout the world. Desiree Perez (Dez) is the Chief Operating Officer at ROC Nation. Beginning in 2008, ROC Nation has been working with talented writers, producers, and artist; improving their promotions, brand building, management publishing, labeling, concert and tours promotions, and every little thing in-between. Slowly but surely over the years, Dez Perez is changing the face of the music industry. She has made her mark by guiding some of the worlds biggest most successful stars. Jay-Z and Rihanna are perfect examples of her success and how far she’s willing to push. As one of Jay-Z’s close associates, Dez Perez has been involved with SC Enterprises among other Sean Carter businesses. She helped take the star from the entertainment pyramid and place him on top of his own empire as a businessman.

Desiree has also worked alongside Rihanna, resulting in Rihanna’s top-charted success of her Samsung Tour collaboration worth $25 million. She helped establish the Beyonce Formation stadium and is involved with the Hova Circle of Influence.

As the years go on, Dez continues to guide popstars to the top of their empires. She remains the fierce, strong-willed, tough, negotiator shes always been. With her go-getter confidence when it comes to business opportunities, its safe to say she is one of the first women in the music and entertainment industry to make her mark on history. She is the heart of ROC Nation. It’s safe to state without Desiree Perez, ROC Nation wouldn’t be what it has grown into today.

Dr. Chris Steven Villanueva is the owner of MB2 Dental. The doctor is a practitioner who aims at promoting relations between other sole-practitioners and corporate dentists in the sector. The action to bring the interactions was a way to enhance the service provided to the patients. The doctor has worked as a sole practitioner as well as in the corporate dentistry. Dr. Chris started the company with the knowledge that MB2 Dental would require crucial support without having to bargain the integrity of the doctor’s profession. He realized that for dental practitioners, specialized assistance with no strings attached was a fundamental requirement. The reason he started the MB2 Dental was to assist other practitioners solely. Currently, the firm is supporting other doctors in more than 70 locations across various states. MB2 Dental has about 533 employees.

MB2 Dental creates a conducive and better working space for dentists. The doctors conduct their research and come up with various treatment methods for the varying conditions experienced by the patients. MB2 creates the network channel where several doctors can work together and find a treatment that is required. The company provides high-quality services to the patients because of the integrated workforce. MB2 clients are loyal due to the services they receive, and this places the firm on top of the competition as they are viewed more credible. The network strategies Dr. Villanueva came up with are new, and they bring more to the table including huge profits. The doctor opened the company to deliver freedom, personal growth, support, and togetherness. Dentists at MB2 Dental usually go to retreats in different regions of the world to have fun as a group. The group activities promote better interactions that lead to healthy relationships to facilitate the business growth.

In a recent interview, the doctor was asked where the whole idea came from, and he said after completing dental school, Chris had two options. The two options were to either work for an extensive group practice or open a private practice. The two ideas were great hence the doctor decided to blend the two sectors into one and MB2 was born. MB2 is a large group of dentists who are autonomous, providing both options in one. The doctor stated that most of his big thoughts come to him at night when the world is quiet providing a perfect space for creativity. Chris implements most of his ideas with the help of brilliant individuals for maximum guidance and support.

Walton’s Heating and Air was recently acquired by Goettl Air Conditioning in a deal that will allow Goettl Air Conditioning to access to California. The collaboration will expand its servicing base from Tucson, Phoenix, and Las Vegas where it used to operate from initially. Walton’s Heating and Air is a family company owned by Longbrake, and it deals with HVAC services.

The interest of Goettl of acquiring Walton’s was not received by Longbrake at the start of 2015. But with time, things changed when Longbrake heard that there were other people involved in the deal like Ken Goodrich who is the owner of Goettl. The deal was completed in the mid-2015, and the growth is expected to be high due to the combined forces. Some acquisition issues and closing of all transactions are still taking place up to now. The good thing with the deal is, Goettl will retain Longbrake as a sales manager and supervisor in the field.

At one time, Goodrich stated that they wanted to complete all the details, put them in place before handing the company over to Goettl badge. That is why he valued the importance of the joining together of these two companies. Due to that, he handled and solved many problems that were arising from the acquisition. According to Goodrich, Walton’s was a good company that gave a platform where growth and development were possible. Despite its financial drawbacks, Walton’s was a good company. For more details visit Crunchbase.

Goettl management has a vision of increasing its job intake by creating more than 200 jobs. The expansion will be done in its big market which is located in Tucson and Phoenix. With 306 workers, Goettl aims at being the best brand in the world. They have another vision of expanding their boundaries to N. California.

One of the most important elements that go into any home or commercial building is the heating and cooling system. When the system is installed correctly, the result is efficiency. And efficiency equals low cost and comfortable temperature year round.

Always remember to be mindful when picking the HVAC Company that will install your air conditioning system. Whether you are repairing your home, Goettl Air Conditioning is the best in that.

Goettl Air Conditioning Company has professionals who know your heating and cooling system needs. Located in Az, Las Vegas, and Phoenix Goettl is ready to be a part of the planning process on installing the most efficient system as possible. You can visit their Facebook page.

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Everyone highly values personal privacy. Having one’s credit history exposed to the public can be traumatizing. It can also lead to a string of other related financial burdens.

A while back, Equifax was hacked. As a result, more than 143 million identities were exposed. It is, therefore, imperative to take proactive steps to protect one’s identity from such fraudulent activities.

The following are some of the fantastic ways one can protect their identity:

  1. Establish whether you were credit history was exposed during the hack. Equifax has provided a platform on their website for their customers to check.
  2. Freeze your credit history. It is done by placing an order to freeze your credit history with Equifax or with all the three U.S credit monitoring bureaus. It means that no creditor can access your credit history when they place a soft inquiry.
  3. Make a habit of reviewing your credit reports. The government provides the annual credit report from all the three credit bureaus once every year. It is critical to ensure that the reports do not have any errors. If there are, report the errors immediately.
  4. Monitor the accounts: After the hacking incidence, it is possible for a person’s information to be used in making illegal purchases. Therefore, one should carefully monitor the cards for any unusual and unauthorized transactions. In case you note any suspicious activities on the card, report immediately to the relevant authorities.
  5. It is also wise to change all the passwords to the cards. Most people use simple-to-remember passwords. Such passwords are easy for the scammers to crack. Therefore, mix letters, symbols, and numbers.
  6. File for the taxes early. These are scammers who hold on to social security information to file for wrongful tax returns and then claim for a refund.
  7. If you are trying to get out of debt, it is wise to use professional help.

Freedom Debt Relief is dedicated to helping their clients have a solid plan on how to recover from debt. They also offer a loan consolidation plan which ensures that one is only paying the loan to one firm alone.