Benefits Of Purchasing Insurance On Livestock

Investing in livestock can be a very rewarding way of life. It can also sometimes be a risky investment because your livestock can be hurt or killed by disease, other animals or even accidents when transporting them from one living area to the next. The risk of death is the biggest concern. When an animal dies before you are able to sell it, it can cause you to be out a lot of money in some cases. To help avoid some of the loss of income from a sick or killed livestock animal, many owners decide to purchase livestock mortality insurance. Below are some of the top benefits of purchasing insurance and how to get it.

Financial Protection

It can be a financial risk to own livestock. Like all living things, they have the ability to get sick, get hurt and even die. If this happens before a livestock owner can make their money back on the animal, then they are at a loss financially. By purchasing some insurance on their animals, livestock owners can protect themselves financially upon the death of one of their animals. Some of the top perils that are covered with insurance may include floods, tornados, fire and earthquakes.

Applying For Insurance

Mortality insurance for livestock is a type of term life insurance that is similar to insurance that people get. When you first insure your livestock, they must be in good health as of the effective date. Many insurers, such as, need verification from your veterinarian that the animal in question is in good health before they will approve you. There are many ways to apply for the insurance and in some cases it may be done fully online.

Each livestock owner’s insurance needs will be different. When you are considering whether or not to insure your livestock, it is best to contact an insurance company to go over policy details, qualifications needed and to get an estimated premium before you make your decision. They will work with you to determine what is in your best interest with regards to insuring your livestock so that you can have peace of mind knowing you are financially protected from whatever may happen.

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3 Reasons Music Theory is Important

Like every other subject, music has a foundation. Music’s foundation stems from music theory. When someone who would like to become a professional within the music industry, either as a musician, writer or producer, has taken and understood the material taught in a theory class, it is to their advantage. Theory is the class where music professionals learn to speak the same language. Today, there are a number of ways to learn about music theory. Purchasing a music theory workbook and teaching yourself is one way. Attending and completing a course at the local community college or online are two more ways.

Here are three reasons why it is important to study and learn music theory.

It is the Foundation

A person cannot correctly work through an algebra equation if they have not first learned how to abide by order of operations as well as add, multiply and divide. It is possible to guess at the equation and maybe get the right answer, but it will be much easier to learn the basics of math first. Music is no different. There are music professionals who taught themselves how to play an instrument, write lyrics or perform without first mastering the foundation of music. The day they work with a producer or music executive who speaks in music theory, though, how will they fare?

The Basics

In a music theory class, at an education institution or self-taught setting, you will learn about the music alphabet, scales and intervals among other essentials like chords and key signatures. Understanding that music is written in different pitches for different instruments and then, being able to read music written in a variety of pitches will make a potential musician more versatile.

Puts it All Together

Learning and mastering the basics of music theory helps a person become a well-rounded musician. Suddenly, you will understand the reasoning behind music composition. There is a reason why certain notes are strung together, and there is also a reason why flat notes are sometimes used over sharp notes. Plus, a solid understand of music theory will relieve undue stress on your music career allowing it to go as long as you hope.

Every subject stems from its foundation, and music is no different. Gaining an understanding of music theory helps future music professionals learn the basics and then, helps put it all together.

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Shopping day with Groupon coupons!

This is a sponsored post. All opinions are mine.


My sister and I make sure that we have a shopping day at least once every two months. We always tell ourselves that we work so hard to have enough money to live a comfortable life, we might as well use the extra ones we earn to pamper ourselves with, to buy the things we like so much.

Our go-to resource for our shopping day? Groupon Coupons! Our first step in shopping is to check out the coupons that we can use from Groupon. Like right now, my sister found a top that she plans to wear on New Year’s Eve. She is excited to use a Bebe coupon where she can save up on free shipping for orders over $100. I, on the other hand, found something from Coldwater Creek which I plan to wear to our holiday party in the office. Can you imagine buying and saving money in the process? Woohoo!

I know they say that we should save up for the rainy days ahead but my sister and I think that we should also indulge ourselves from time to time as rewards for working hard. Anyway, when we use Groupon Coupons, we save money in the process.

There are so many other coupons you can use. Know more about it by following Groupon in Facebook and Twitter.

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Security Clearance at the National Level Explained

With everything that is happening in the world today, both at home and abroad, national security has become a critically important issue. Along with this comes the question of who should be granted access to some of the most serious issues affecting the national security of American, and how that access should be granted. Out of this has arisen the need to talk about security clearance issues at the national level in an effort to ensure that information does not makes its way into the wrong hands.

Security Clearance Defined

It is first important to define what security clearance involves. As Tully Rinckey has stated, security clearance is the term used by the United States Government to identify which people or companies are eligible to access various pieces of information that is deemed to be classified. With this comes the term referred to as eligibility for access. This run parallel with security clearance and is commonly used today in many government record systems. It is important to note that there are two main types of security clearances in play today, and these Personnel Security Clearances and Facility Security Clearances.

Various Levels of Security Clearance

Rinckey also notes that there different types of security clearances granted by the respective agencies of the United States government. The primary agencies concerned with granting such clearances include the Department of Defense, the Department of Energy, the Department of Homeland Security, the Department of Justice, and the Central Intelligence Agency. Out of these agencies, the Department of Defense handles roughly eight percent of all security clearances. The there main levels that a person or company can be granted are: Confidential, Secret, and Top Secret.

Information Required To Gain Security Clearance

The application form to gain security clearance is quite comprehensive in scope. Among other details, one must include a great deal of personal identifying data. This includes questions related to citizenship, education, resign, employment history, any foreign connection and travel abroad, as well all all family an associates. Applicants will also need to reveal any information about past criminal convictions, any involvement with illegal drugs, financial issues including any delinquencies, the attainment of any mental health counseling, military service, and any prior national security clearances that have been granted.

Length of National Security Clearance

A person who is granted a national security clearance classification will generally retain it for as long as the position is held for which the clearance was granted in the first place. As soon as a cleared person no longer can justify the need for access to classified information may have their clearance level downgraded or withdrawn until it is required again at a later date. These provisions are in place to help streamline the process, get access to classified information to those that truly need it, while making certain that it does not fall into the wrong hands once such clearance is no longer necessary.

Security clearance at the national level is a serious matter. A clearance can revoked at any time, particularly if information contained on the initial application is later found to be false or misleading. As times continue to become more precarious, the process will likely become more involved in an attempt to keep information classified and in front of only the very people that need to know.

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For the love of traveling.

This is a sponsored post. All opinions are mine.

Traveling has been my stress buster. I am always on the lookout for anything travel-related and you know what my latest find? Groupon Goods! There are great deals on luggage sets, travel accessories, carry-ons, backpacks, kid’s travel bags, and so much more. It is perfect timing considering the family is preparing for a 3-city tour by March next year. We will need new stuff for my 3-year-old nephew who will be traveling out of the country for the first time.


I am not sure if you feel the same way but I feel a renewed love for everything and everyone around me after traveling, even for a short period of time. That’s why I make it a point to travel at least once every three or four months. It helps strengthen my love for life and gives me hope for something more.

Now, if you are a traveler like me, or a first-time traveler like my nephew, check the deals and coupons at Groupon. Who doesn’t love a discount, right? I know you do. We all do! Save some money on stuff you need for travel like luggage. Use the money you save in your other travel expenses.

It’s win-win when you shop using Groupon!

You want to know more about Groupon? Follow them in Facebook and Twitter.

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Effectively Communicating Your Needs

Communication is a complicated skill. While all people are born with the ability to communicate, not everyone will be given the same advantages. There are people who are natural communicators because it effectively aligns with their developing personalities. This does not mean, however, that people without an innate ability for exceptional communication are stuck in their positions. Becoming a better communicator is simple if you take time to think over your course of action. Whether you are thinking about going to USC to finish an advanced degree or you simply need to open up more, there are ways to improve.

Go Back to School
One excellent way for you to become better at communicating is by going back to school. When you have already obtained your undergraduate degree, it might seem like a burden to head back to a college environment. In truth, you are likely to see many benefits when you go back to school. Not only are you able to learn more about a chosen area of study, but you will also be given the chance to become better at communicating ideas. Obtaining your undergraduate degree is a start, but an advanced degree can work wonders for your abilities.

Communication is sort of like an art form. The more that you practice communicating your thoughts and ideas to a wide range of people, the easier it will be for you to see if your words have had an impact. This is not always possible in the working world, where your thoughts might go unheard for years. If you are looking to continue your career while simultaneously improving the way that you communicate, it is a good idea to look into the programs available through institutes of higher learning such as USC online.

Reach Out More
Outside of going back to school, there are plenty of other options for you to think over. Communication skills are applied to many areas of your life. If you want to get better at communicating, you can start at home. Talk to members of your household, whether you live with family, friends or strangers, and be sure to express how you are feeling. When an issue arises, a solid communicator will be able to take stock of his or her thoughts and feelings, then get those thoughts across to others in a calm and rational way.

You are not going to be perfect at this on your first try. If you are someone that is naturally shy, quiet, nervous, or unable to get your thoughts together, then this will require practice. The only way to get better is by honing your skill at every chance that you get. Speak to everyone that you can, specifically about ideas or thoughts you need to get across, and you will find that you are getting better at speaking to others in the way that you would like.

Start Today
Communication skills can always use a bit of work. Whether you decide to go back to school to obtain your advanced degree or you start your trials at home and begin to speak out more frequently to those in your circle, you will find that each day brings you closer to your goal. Once you have found the path that works for your needs, you will have no trouble communicating like an expert.

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