Children and the internet – What you didn’t know

The internet plays a major role in our lives on a day to day basis and that of our children without us realizing how long they spend online each day.

Whilst this might in itself not be a bad thing, the jury is still out on weighing the pros and cons. Key really is for parents to take responsibility of their children in terms of how they engage online.

Here are some facts and figures to show the visual seriousness of this online addiction.

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Digital art in the 21st Century

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Van Gogh certainly would not have thought about it and Picasso I feel sure would have agreed had he understood the concept, however art, whether it be digital or etched on canvas, is still, very much art by definition.

Over the years the argument that digital art wasn’t an actual form of art because it was computer generated and had infinite copies without an ‘original’ has pretty much been silenced. As technology has evolved, so too has our views on digital art.

The difference between digital art and any other art form is the fact the artist works mainly with digital technology as an essential part of their art piece – gone are the paint brushes and easels of old.

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The first steps towards the evolution of art towards digital started in the 1950’s when a lot of artists and designers started working with mechanical devices and analogue computers.

Bear in mind during those times computers were very expensive. Only research laboratories, universities and large corporations could afford them. Regardless of these constraints, when the computer came into existence that’s when digital art started emerging.

From digital painting to animations, digital photography and 3D models, movies and games, they all come under the category of art. On the plus side they are accessible, on the downside there is no such thing as an original digital art form.

With digital art starting to dominate the art industry, it’s safe to assume that some artists may have numerous art pieces, complete and incomplete that need to be organised and saved securely, especially in the case of something happening to the artist. His friends and family may not know where all these art pieces are or what the artist in question would like to do with them.

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As with all digital assets, digital art is yet another facet which needs to be protected, stored and effectively passed on. I can think of nothing worse than an unfinished Rembrandt entombed in the ether for no one to access and enjoy….

Life Insurance – Are you covered?

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Life insurance is believed to have originated in Rome and India and is based on the fundamental premise of securing and protecting loved ones from paying off debts and providing for family when the care provider is deceased.

It is a contract between an individual and an insurance company leaving detailed instructions on how the company should pay the policy holders’ when they pass away.

Of course if you are single with no dependents or elderly with children that do not need to be taken care of you are less likely to need a life insurance policy.

On the other hand if both you and your partner are employed it’s always good to set one up to guard against the unforeseen.

Taking preventative steps to ensure your loved ones are taken care of makes perfect sense but what are the disadvantages?

The life insurance acquisition process can be lengthy and at times complex. The purchase of life insurance based on whether it’s for a business or family requires careful consideration. And of course, there is a cost involved.

However on the plus side a life insurance policy can be exchanged for another life insurance policy without incurring taxation. Also the cash value grow tax deferred during the policy holder’s lifetime, and of course your family is protected.

The key reasons people opt for life insurance are to fund their children’s education. This is followed by covering any final expenses such as funeral costs, car payments and mortgage payments.

The two main types of life insurance cover are;

Term insurance

This type of cover can also be called level-term assurance. The payout would be the same no matter when the policyholder died during the term.

This is a very popular kind of cover because it pays out a lump sum or a monthly income if you die within a set period of time but if nothing happens to the policyholder it simply lapses and they get nothing in the end.

Whole-of-life cover

This is a life insurance policy that covers the policyholder for the insured’s whole life and requires (in most cases) premiums to be paid every year into the policy. The proceeds of the policy will usually go to the policyholder’s family or beneficiaries of their estate. These policies are more expensive than term assurance policies, which only pay out if you die within a certain timeframe.

Interested in getting one now, but don’t know how?

First you have to understand how the insurance premiums work. If you are likely to die in the near future you’ll have to pay more but the insurers look at certain factors which could affect your premium. These include your lifestyle, age, medical history and job.

There is a raft of choices these days for getting more information and costs, from your employer to cost comparison sites and your bank. Ask friends and family too as recommendations are often the best route to take.

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Advanced Directives : Being in control of your destiny continued …

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Following on from last two week’s blog relating to the value of setting up an Advanced Directive, it is worth noting the 1990 Patient Self-Determination Act (PSDA) in the United States, which encourages everyone to decide now about the types and extent of medical care they want to accept or refuse if they become unable to make those decisions due to illness.

Taking responsibility for this type of information is not just about giving yourself more peace of mind, it also helps those closest to you should the unforeseen strike and breaks down the communication barriers between the patient, doctors and loved ones. It also serves as a proactive tool which prompts people to think about difficult topics and guides them once they have identified how best they wish to be treated.

Nowadays health care institutions are required to ask patients if they have an Advance Directive document or would like to fill one out, and in the UK there is also the Mental Capacity Act 2005 which is designed to protect people who can’t make decisions for themselves or lack the mental capacity to do so.

An Advance Directive tends to maximise the independence and comfort of patients and makes it easier for family members to know exactly what you would like without doubting or putting themselves in an awkward position.

Each form is different, clearly influenced by the individual and their preferences, based on religion, cultures and backgrounds.

In 2007 a woman in Canada gave birth to sextuplets which led to a battle between religion and medicine, between the children’s right to life and their parents’ right to practise their religious beliefs. Two of the babies, born 15 weeks early, died. The parents, who are both Jehovah’s Witnesses, refused to allow blood transfusions, in accordance with their faith, and three of the babies were taken into custody by social workers so they could be given the treatment.

Custody has now been returned to the parents, who have not been named, but they are angry at the intervention and have gone to court to prevent officials stepping in again. Read more …

All these factors are taken into consideration in creating an effective document tailored by the individual. We are all different and as such no two documents can be the same. Taking the time to discuss your preferences helps you and those around you.

In planning ahead, it’s easier to determine the medical care you prefer, avoid unnecessary stress, pain and spare your loved ones and caregivers the decision making during moments of crisis. You also make it easier and avoid the misunderstanding or disagreements about the choices you would want people to make on your behalf.

Speak to your doctor or nurse today.

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Meet the Team

We would like to say a ‘BIG THANK YOU’

We have been keeping our heads down at Planned Departure from past few months and have made steady progress. Some of the things we have done so far are –

* We have grown the team size to 7.
* We have moved to our office at Vista Business Centre.
* We have been signing B2B partnership with wills and probate lawyers.
* We got covered in prestigious media outlets such as The Economic Times.
* Our crowdfunding campaign on Seedrs is launched and we are moving nicely towards our goal.
* We have secured investment from friends, family and professional investors.
* We are launching our new, sleek and revamped UI.

All this was possible because of the support and encouragement from our friends, family, professors from LBS and our investors.

We had the opportunity to say thanks and showcase our revamped UI.
For those that couldn’t make it, there will be another event soon so would be glad to see you then.

Thanks again.

PlannedDeparture is a KillerStartup!!!

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Who/What is KillerStartups?

KillerStartups is an online publication and entrepreneur community.

They believe Internet Entrepreneurs are stars and aim to be a valuable destination for startup founders, website owners, and other internet entrepreneurs by empowering them to grow their online businesses through the information, tools, and training they offer.

Why PlannedDeparture is talking about KillerStartups

A few days ago PlannedDeparture was interviewed on KillerStartups.

It was a good opportunity to explain in depth what PlannedDeparture is all about.

How we started. Why we started. What we hope to achieve and what we have to offer.

KillerStartups help startup companies by providing a platform for us to explain what we do.

Our digital footprint is growing and becoming important every day. Our digital life has real financial and emotional value associated with it. However, there is no clear and straightforward way to transfer aspects of digital life to the right people after we pass away.”

Read more on KillerStarups.

Who is influencing your decision?

Over the years i have learnt that with adequate planning and careful decision making everything in life gets easier

But what happens if we fail to plan and get our life and affairs in order?

We often steer our lives in the direction of what happens to us in the future.  Some of us tend to make bad decisions and blame others. Some of us tend to let other people make decisions for us and then we blame ourselves or others when things don’t go the way we want them to.

I personally always make my own decisions based on the notion that if I listen to others and make decisions based on what they say, if things do not go right who should I blame?

Myself for listening or others for influencing me?

None of the above. I listen to the advice, words or statements other people might offer or say but the final decision is always mine. The decision is based on what I feel is right and best for me. That way if it goes well or bad, I know it was all me.

I am solely  responsible for my actions and their outcomes. Just as everyone else is. Life is full of ups and downs. If you constantly give yourself reasons to  fight with your inner self, how will you conquer your battle against society and the world?

As a result i like to try my best in planning and organising everything. From my finances, career, profession, holidays to my digital accounts.

Every little detail counts and that is why i personally have an account with PlannedDeparture for my digital assets. All my social account information and pictures and music are safely stored because i do not want to risk losing any information.

Just as we have measures guarding our physical assets, our digital assets are equally important.

With every step remember PlannedDeparture isn’t just here to help your loved ones in future but to support you by assuring your digital assets are safe and secure.