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Jacob Larsen Agency & Associates – Top UTV Insurance Agent in Desert

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JACOB LARSEN AGENT Best life insurance in the United States

Our American Family Insurance agency is committed to inspiring and protecting dreams in Phoenix, AZ. We start by getting to know you and your needs, and build a free auto, home or life insurance quote. By bundling policies, we can often offer a variety of discounts. Whether you’re purchasing a car, buying property, managing an investment property, starting a small business or leaving behind a legacy, we’ve got your back as you pursue your dreams – and then we’ll help protect them.

The best life insurance in the United States is those that offer the coverage you need. The insurance adjusted to the budget that your family can use for this protection.

There are factors to consider when purchasing the life insurance your family needs. Here we help you better understand how you can benefit from a life insurance policy.

First Why do I need life insurance?

You suddenly become ill, you have a serious illness, you have to quit your job. You no longer have the income to maintain that stability achieved.

Life insurance is a PROMISE made to you by your insurer. You are committed to protecting your family so that if you become ill or your finances are not suddenly affected.

What is the best life insurance in the USA?

The best life insurance is the one that guarantees the financial stability of your home. It allows the mortgage to continue to be paid, your children to continue studying, and the daily bills to continue to be paid.

Protect your family with the best life insurance on the market in the United States. You decide how much you want to insure and we help you find the insurance that meets your needs.

Let’s talk a bit about the different life insurance options on the market:

Term life insurance: protection and savings for the near future

Term life insurance protects you for a set period of time of 10, 20, 30 years for example. With this type of insurance, you could have a return on premiums at the end of the policy. 

An example, if you insure for 10 years, with a benefit of 100 Thousand, at the end of the policy, you receive back all the premiums paid during the 10 years. If you die in that time interval, your beneficiaries receive the amount for which you insured yourself, 100 thousand dollars.

This type of policy is also used as savings for your children’s college. It is protected and at the same time is saving money that it collects tax-free. In this case, every detail of the future must be planned.

Permanent life insurance: protection, emergency fund, or retirement savings

Another variant of life insurance is permanent life insurance, which protects you throughout your life.

You purchase permanent life insurance and select a beneficiary in the event of your death. With this insurance, it does not matter how many years you live. It can live much more than 100 years. The money will only be paid in the event of your death.

Permanent life insurance in turn is divided into three variants. One of them is the traditional one. With this, your quotas and the benefits obtained will not vary while the insurance contract is active.

Insurer’s average premiums. So that you pay the same month from the moment you take out this insurance.

Some insurances pay benefits in life

The life insurance with living benefits paid up to 90% of the amount by which you made sure of serious illness, chronic or terminal. The percentage varies depending on the severity of the disease and the insurance company. If they give you one year to live, they advance you 100% of the insured money.

Conclusions

Each life insurance company offers its own advantages and benefits. You must analyze your situation to purchase the best life insurance for you and your family in the United States. A while ago we did an article explaining the difference between term life insurance and permanent life insurance.

If you need to save for a future event, with term life insurance with return of premiums you have two great advantages. On the one hand, you will be protected against any illness or inopportune event, and at the same time, at the end of the policy, you will be able to recover all the premiums without taxes.

Our Website: https://agent.amfam.com/jacob-larsen/az/phoenix/706-e-bell-rd-ste-110/

Jacob Larsen Agency & Associates Inc

706 E Bell Rd Suite 110

Phoenix, AZ 85022

(602) 494-0600

Facebook: @JacobLarsenAgency

Lifestyle

Premier Fitness – Outdoor Exercise During the Pandemic

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Premier Fitness - Outdoor Exercise During the Pandemic

Premier Fitness

 By John Cardillo Premier Fitness Health Programs

As the restrictive reality of the pandemic continues to affect society, many activities have taken a hit. Going to the gym for the three-times-a-week workout has been scuttled in order to keep the spread of the virus under control. But, their loyal Premier Fitness enthusiasts are undeterred as exercise and healthy living continues to triumph during these unsettled times. Outdoor workouts and outdoor fitness classes have replaced going to the gym, and they are catching on like wildfire, From Hamilton to Vancouver. You can’t keep a person who has been following a Premier Fitness lifestyle devoted to healthy living down. As part of their Premier Fitness program, we have recommended a variety of exercises and activities that can significantly impact a person’s ability to stay in shape during these ongoing gym lockdowns. If you’re new to fitness, it’s crucial to understand how essential it, and understand the myths and facts of working out as explained on OceanUp.com

 Outdoor Activities:

 Cycling

Their Premier Fitness Spin program is very popular. , many people use spin classes for their fitness workouts. Rather than go to the gym in a time when we can’t, why not just hop on a bike and ride for a day of exercise? The same stress and work will be put into riding a bike, and the training of your hamstrings, shins, buttocks, muscles, and quads will be replicated when riding a bike in the great outdoors. If you are so inclined, use your bike as your primary source of transportation. The result will see that a person will burn at least 240 calories for every 30 minutes spent on a bike riding at a somewhat intense pace.

Swimming

 A great cardio exercise, a dip in the pool, has many excellent benefits for a participant. Exercising every major muscle group in your body helps keep you toned and taught, and swimming is one exercise that comes with the pleasure of refreshment after a session. When you swim at a moderate  pace, know that you can burn up to 270 calories for 30 minutes in the water.

 Power Walking, jogging and Running

 The great outdoors are terrific for the best exercise of all-running. The Premier Fitness Running Program is a great step-by-step method of getting started.

1. You can start with a gentle walk every day around the block and increase the distance every week until you are completing one mile.

2. Once you can easily complete one mile, you can increase the intensity level by taking long power strides for more muscular and cardiovascular stimulation.

3. Once you are in better physical shape you can increase the level of intensity by transitioning to jogging the one mile route.

4. When jogging becomes easy, you can start timing each session by transitioning from jogging to faster running.

5. As your conditioning improves you will be able to run the full mile whereby you try to improve your time on each run.

 6. After you master running the mile you can slowly start increasing the distance each month until you build up to running 2 miles at a good pace.

 Rollerblading

For some people who remember roller-skating, rollerblading is the evolution of that fun Saturday night activity. If you rollerblade, you have glutes to die for, as the exercise certainly puts your buttocks muscles on notice. Thighs will appreciate the work also as they tighten and become firm with every stride you take. Rollerblading briskly can yield excellent results, 250 calories burned in a 30-minute tour.

Hiking and yoga hiking

 If you seek strength training and a cardio workout rolled into one exercise session, hiking will help with ab definition, glute firming and build stamina. The vista when hiking is one part of the refreshing outdoor activity that many have embraced. The strenuous activity of climbing a hill is rewarded with the view from the top. When we think of yoga and hiking, the mind-body benefits are only too apparent. Take a 60-minute walk, then engage in some basic yoga poses for a refreshing exercise routine that keeps your mind and body in sync. Hiking will get 220 calories burned for a 30-minute walk, and for a 60-minute yoga hike, you can burn over 400 calories for the engagement.

Street workout

 Reliving your past as a child can have excellent exercise benefits when you use your local park when it becomes your outdoor gym. Use the jungle gym to burn fat, tone muscles through the use of the street workout. Old school exercises like chin-ups, push-ups, and step-ups are an excellent substitute for exercise machines at the gym, and in the fresh air, the exercise becomes a pleasure, not a chore. A 30-minute activity session can see a person burn 430 calories for 30-minutes spent in the park working out.

Outdoor exercise is the best way to maintain a positive outlook during this pandemic. What could be more enjoyable than sunshine, fresh air, and a good vigorous workout?

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Designing A Pergola? Here Are Some Ideas You Should Consider

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Designing A Pergola? Here Are Some Ideas You Should Consider

Pergola

Pergolas are structures with a roof and pillars attached to a patio. It provides shelter from sun and rain and can be a place to relax and enjoy the evening or host visitors. Pergolas are an extension of the traditional living space. As such, proper planning and design should go into setting it up. 

Pergola design ideas have become in high demand recently. If you desire to create an outdoor area in your backyard, there are factors to consider. Choose a pergola design that would fit the size and structure of your front yard, and then plan on how to set it up. Available in an assortment of shapes and sizes, pergola-style outdoor structures will provide an intimate atmosphere while spending time outdoors. Pergolas give the yard a more traditional look, with designs made of wood or metal pieces and corresponding furniture. Here are some guides and ideas for designing your pergola. 

  1. Choose the Right Materials

There are different materials for pergola design ideas. First, to construct a pergola, you would need pergola kits. The traditional option is made of wood, but there are now alternatives such as bamboo, aluminum, and steel. Choose the material that will best complement your outdoor space and keep in mind the seasons in your area. Choose a design and color that will withstand the changing seasons and still look good. Consider the use of a trellis system to create the structure of your pergola. 

These trellises can be free-standing or attached to other structures such as a brick wall. Trellises come in many shapes, sizes, and styles, and each can be decorated in ways that suit the rest of the landscape. As a bonus, many designs include a built-in partial shade structure that allows you to still enjoy a bit of shade even on a hot day. This structure can either be attached to the roof or free standing if preferred.

This trellis can be curved, straight, or even placed in an arch shape. In addition, these trellises are also often decorated so that they provide an addition to the beauty of the surroundings. Various materials are often used to design frames for these patio and backyard pergolas, including slate, bamboo, and iron.

  1. Pick the Design

Once you have determined which type of pergola design ideas will work best for you, then it is time to select the style of the roof, support beams, and other structural details. It is essential to follow all local building codes, so you can plan the placement of your pergola to meet all code requirements. The location of your patio will play a significant role in determining the type of pergola that you will want to build. If you have limited space available in your front yard, that will affect the design and structure. For example, a three-sided form might look cozy, but it would be too small to contain a table for a small gathering.

Several great pergola design ideas incorporate functional and simple materials that you can purchase from almost any home improvement store. The most common materials that are used to build these structures include wood, aluminum, and even concrete.

  1. Structure

With various sizes and shapes, pergola designs can offer a cozy retreat while still having a delicious snack outside. Remember to buy materials for the roofing. By shading the structure, your pergola can receive a very minimal amount of sunlight each day. This will reduce the risk of damage because of overheating from direct sunlight, especially during hot, sunny afternoons. The shade will also keep insects from flying freely inside the structure. 

If your existing roof is not strong enough to support larger pergolas, consider installing a lattice to hold the upper beams in place. Lattice will provide much-needed structural support. 

Pergolas can also be made with durable materials such as wood, iron, or aluminum. However, these materials are not as attractive as those made of stone, aluminum, or vinyl. For pergola design ideas that emphasize the beauty of the landscape beyond the patio, consider building a walkway or paved path to the main structure. 

  1. Decoration

You can decorate pergolas with flowers, vines, and other lush plants that provide flowers and greenery all season long. Choose what best suits your budget and then start buying. Plant flowers or bushes directly along the sides of the structure and add planters to provide a sheltered location for planting.

If you need additional shade, consider installing tall-growing trees to provide shadows over the area where you intend to place the pergola. Consider also choosing different styles of pergolas, such as arbor style, or lattice style, etc. 

  1. Furniture 

In choosing the type of furniture for your pergola, you should keep in mind the functions it will provide. Most pergolas are placed on the patio to provide shade and a place for people to dine. However, you can also use them as a storage unit to store extra items. In this case, you can get storage furniture like storage ottomans or storage benches. 

You would also need a dining or seating area. Pergola furnishings may include sofas, dining sets, love seats, center tables, or daybeds. If you need a canopy swing or hamper, you can get one made of wood and sturdy materials. The frame should be strong enough to handle the weight of the swing and the occupant’s weight. 

It will be a good idea to include a bench in your design. This will be ideal for events or hosting friends. This will also be a good idea if you want to have plants on it. In this case, you can use built-in planters. If you desire the pergola to be the focal point of your garden, you can place wicker outdoor chairs or tables in it. 

Conclusion

Pergolas make great additions to any outdoor room, whether it is on a deck, in the garden, or in your backyard. By adding a few attractive pergola design ideas, you can enhance the look of your outdoor space without spending too much money. Keep in mind that outdoor structures are outside. Take care to choose furnishings that will withstand the elements. You won’t want to come back from your trip to the beach to find your deck, sofa, and chairs destroyed by the weather.

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Lifestyle

Why you will love ageLOC Boost

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Why you will love ageLOC Boost

ageLOC Boost is a breakthrough beauty device system that brings out skin’s brilliant best. We’re talking visibly brighter, plumper, bouncier skin with youthful radiance and a more even-toned complexion. Effortless to use (just two minutes a day), ageLOC Boost gives you a beauty boost with every use. It is easy to use (2 minutes every day), rechargeable and very nice-looking and comes with a special serum: The Activating Serum.

Amazing skin advantages

  • Boosts your skin’s natural beauty for brighter, plumper, and bouncier skin.
  • Promotes cellular turnover, encouraging a more radiant, youthful complexion.
  • Provides intense brightening benefits for a vibrant, glowing appearance.
  • Helps ease signs of premature aging and prolongs youthful-looking skin.
  • Offers gentle exfoliation to reveal visibly smoother, luminous skin.
  • Hydrates, so skin feels softer and appears fuller.

More reasons to love your ageLOC Boost

  • Features patent-pending Variable Pulse Microcurrent Technology
  • Delivers lasting benefits
  • Offers spa-like results at home
  • Keeps you at your selfie- and video-chat-ready best!
  • Super easy and quick to use (just two minutes a day)
  • Effortless add-on to most skin care routines
  • Features a bottle made with 15% post-consumer resin (PCR)

Super easy to use

ageLOC Boost transforms your skin from blah to brilliant. After cleansing and toning, treat one half of your face for one minute with ageLOC Boost Rabatt and ageLOC Activating Serum, and then treat the other half for another minute. That’ s it—you’re done! Follow up with your daily serum, moisturizer, and sunscreen. You’ll immediately notice your skin feels more hydrated and softer.

Please note: only use ageLOC Boost Activating Serum with the ageLOC Boost device, since it was scientifically formulated to conduct the unique Variable Pulse Microcurrent.

Smart Design

To provide the best user experience, ageLOC Boost was created in partnership with an award-winning, world-renowned design firm. The device features an ergonomic feel that’s comfortable and easy to use. Starting up the device is with an intuitive swipe-up, and this swipe-up/swipe-down action can be used to begin a treatment session or turn off the device.


Ingredients – the best of nature and science

  • Brightening Blend: These ingredients promote brighter skin with a healthy glow.
  • Lime Caviar Fruit Extract: Exfoliates and promotes faster cell renewal for smoother skin.
  • Plumping blend: Hydrates, softens and gives the skin a plumping effect.
  • ageLOC® Blend: Nu Skin’s exclusive technology that targets the sources of ageing to help maintain a youthful and vibrant appearance.

Proven clinical results – it works

An external clinical study was used to determine the effectiveness of the ageLOC Boost:

The study’s 32 participants were between 25 and 40 years old.

They used the device once a day for 12 weeks.

Results: 103% increase in elasticity and 75% in clarity.

Experience the enhancement of your skin´s natural beauty yourself. The ageLOC Boost visibly illuminates your skin skin, leaving it plump and glowing, while also softly exfoliating and promoting skin cell renewal.

Glow from within anytime · anywhere

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