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PHR/SPHR

PHR / SPHR Professional in Human Resources Certification Kit
by Sandra M Reed and James J. Galluzzo III

Must-have preparation for those looking to take the PHR or SPHR certification exams in order to strengthen their resume.
 


PHR Study Guide 2019-20

PHR Study Guide 2019-2020: PHR Certification Preparation and Practice Test Prep Questions for the Professional in Human Resources Exam


Essential HR

The Essential HR Handbook, 10th Anniversary Edition: A Quick and Handy Resource for Any Manager or HR Professional
  This fully updated 10th anniversary edition is packed with information, tools, checklists, sample forms, and timely tips to guide you through the maze of personnel issues in today's complex business environment.

5 Reasons Why Working Professionals Need Life Insurance

September 27 2019 - There are many reasons why you may be considering getting life insurance. Generally, most people donít think about taking out a policy on their life until they are starting a family, buying a house or going through another major change in their lives. Or, for many people it's finding out that they are at high risk of, or have been diagnosed with a serious illness.

But, is life insurance something that you truly need, or are you getting it because you believe that you have to? Weíve put together some of the main reasons why life insurance may be necessary for you.

#1. Paying Final Expenses:

As if the loss and grief itself wasnít enough, losing a loved one can also be a very costly experience. If you want to make sure that your nearest and dearest are covered financially when it comes to paying your final expenses, then life insurance can help. Your policy will pay out so that your spouse or partner, children and other relatives donít need to worry when it comes to the cost of your funeral, burial or cremation.

#2. Providing Financially for Children:

When you have children, you'll find that most of your priorities change. Many people who take out life insurance do so after the birth of their first child as they want to make sure that their son or daughter is financially protected in the event of their death. Your life insurance policy will make sure that your children are well taken care of and can afford a good college education if youíre no longer there to make sure of it. You can find out more about the best life insurance policies for parents at Insurance Geek.

#3. Replacing Your Spouseís Income:

More often than not, today, most households need the income of two adults in order to run smoothly. In the event of your death, a good life insurance policy will help your spouse out by replacing your part of the household income. They can also use it to pay for any additional help with tasks that the two of you would normally have shared such as housework, gardening, and taking the kids to school and other appointments.

#4. Repaying Debts:

In the event of your death, the last thing that you would want is for your family to be left to deal with any debt that you may have. Your insurance policy can be used to pay off debts such as the mortgage, so that your family can continue living in their home comfortably.

#5. To Protect Your Business:

If you are a business owner or are in a business partnership, life insurance is a wise idea to ensure that your business is protected in the event of your death. If you are in a business partnership, a life insurance policy will ensure that your partner is financially covered to pay their share of the company's obligations without having to sell up.

These are just some of the main reasons to get life insurance - which apply to you?




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