Raspberry Cream Cheese Crescent Danishes

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TOP 10 BEST LIFE INSURANCE COMPANIES IN THE UNITED STATES IN 2018The best life insurance companies change every year.  How can you be so sure you’re choosing the top life insurance carrier for you and your family Just because they are highly rated insurers with a strong brand name, how can you be so sure it’s truly the best policy.  We are going to attempt to help you make your decision or at least make it simpler so you only find yourself working with the best life insurance providers available to you. We found those three carriers to be in leagues of their own. But, dont take our word for it just yet. Lets take a look at who else is on our list of best life insurance companies this year and find out who the closest competitors are.  Based on our experiences, financial strength ratings, reviews from clients, and overall product availability, below are our top 10 best life insurance companies in America this year TOP 10 BEST LIFE INSURANCE COMPANIES IN THE U.S. Haven Life – Instant Issue! MassMutual – Full Planning! Banner Life – Cheap Term! Protective Prudential AIG Principal Northwestern Mutual MetLife Transamerica 1. HAVEN LIFE INSURANCE How do you take an entire industry by storm Only by creating the best product on the market, thats howHands down, the best new life insurance company on the market today is Haven Life. Haven Life insurance is the only life insurance you can buy 100 online without any agent interaction. This is a huge step forward in convenience and efficiency, both for you and them. It also helps they are backed by MassMutual ranked 2nd on our list, who is just one of a few life insurance companies who have a nearly perfect score of final strength ratings, by all rating agencies, and over 165 years of history doing business to back it up. 2. MASSMUTUAL For more than 160 years, MassMutual has been offering life insurance products which are competitive and diverse.After having been ranked 3rd on our list for two years consecutively, they are pushing closer to the top With the addition of backing Haven Life, and having a full suite of financial planning products, its no wonder they are leading the best of the marketplace. You have the ability to, quite literally, get your entire financial portfolio in order, all under one roof. While this may not be necessary, it is possible. The financial strength of MassMutual is virtually unparalleled, so you can feel safe with your decision either way. 3. PROTECTIVE LIFE INSURANCE COMPANY Making a big jump our list of best life insurance companies at number four is Protective, another company many havent heard of just yet. Despite this, they have a dominant foothold in more than one sector of the life insurance industry.  For more than a century now, Protective Life has lived up to its name in protecting households and businesses all across the United States. With more than 5 subsidiaries, an international presence, four separate A ratings, and a huge number of policyholders, Protective is getting noticed for the first time in a major way. You will have your pick of term life insurance, universal, or variable universal, where Protective is extremely price competitive. Especially with its universal products, Protective is one of the few companies who offer permanent insurance for all tiers of fully underwritten life insurance. If you are considering permanent coverage, like for estate planning, Protective should be among your top considerations.

These Raspberry Cream Cheese Crescent Danishes are an easy and scrumptious way to have homemade danishes that are melt in your mouth delicious!

Raspberry Cream Cheese Crescent Danishes


How to Find the Best and Cheapest Health Insurance Shopping for health insurance is enough to increase anyone’s blood pressure. And if that doesn’t do it, the price of premiums might. But there are ways to find affordable health insurance and craft a savings strategy that suits your healthcare spending needs while minimizing your out-of-pocket costs and maximizing your tax benefits. Personalize Your Plan Individuals should consider their unique healthcare needs, said Ruth Linden, founder and president of the independent health advocacy firm Tree of Life Health Advocates. Think about how often you anticipate using coverage, whether your preferred provider accepts a plan and whether the plan offers the flexibility you need. Keep an Open Mind Benefits buying is about “math, not politics,” said Joe Luscavage, vice president of employee benefit services for Tycor Benefit Administrators. Insurance “gets a significant amount of ‘bad press,’ so most people go into their decision with a passive distrust or bias of the product.” But it’s important to approach the process with an open mind toward options, whether they’re offered by your employer, through the Affordable Care Act (former President Barack Obama’s healthcare law) or from another source. Find Out What’s Available Those who have employer-sponsored options should review those first, said Linden. Barring that, your spouse, domestic partner or parent — if you are under age 26 — might have a health plan that provides affordable options. If neither of those avenues is open and you don’t qualify for Medicaid, Medicare or military insurance, search for an individual plan through the Affordable Care Act, also known as “Obamacare.” Some states run their own ACA health insurance exchanges, and others use the federal exchange, found at HealthCare.gov. Finally, look for other options off the ACA exchanges. Use Online Resources The federal government offers many online resources to help people shop for and compare insurance. Adria Gross, founder of MedWise Insurance Advocacy, suggested HealthCare.gov, InsureKidsNow.gov, Medicare.gov and the health insurance pages of USA.gov and OPM.gov. Several nongovernment resources also offer valuable information, such as the Kaiser Family Foundation. While doing your research, read up on the organization to determine whether it’s reputable and reliable. Research Healthcare Savings Accounts HSA contributions can be tax-deductible. And if you use the money for medical expenses not covered by your insurance, the distributions can be tax-free, said Byron Ellis, managing director of United Capital Financial Life Management. “There is an annual limit for contributions, and you might find that your company will even chip in and add money on your behalf,” said Ellis. Full read here
    • 1 can (8 oz) refrigerated crescent dough
    • 1/3 cup cream cheese spread
    • 3 tablespoons powdered sugar
    • 8 teaspoons raspberry jam
  • 1/2 cup powdered sugar
  • 2 to 3 teaspoons milk


To make the DANISH
    1. Heat oven to 375°F.
    2. Remove dough from the can without unrolling it.
    3. Using a serrated knife, cut dough into 8 slices.
    4. Place the dough slices about 2 inches apart on a cookie sheet.
    5. Press each slice into a 3-inch circle, leaving a ridge around the outer edge.
    6. In a small bowl, mix cream cheese spread and 3 tablespoons powdered sugar.
    7. Spoon about 2 teaspoons cream cheese mixture on center of each dough round.
    8. Use the back of a spoon to slightly spread it to cover the center.
    9. Dollop about a teaspoon of raspberry jam over the cream cheese mixture.
    10. Bake 12 to 14 minutes or until golden brown.
    11. Cool 5 minutes on cookie sheet, then transfer to a serving plate.
To make Glaze
  1. In a small bowl, mix 1/2 cup powdered sugar with enough milk for desired drizzling consistency. Drizzle glaze over Danish.
  2. Serve warm.
  3. ENJOY!!

100 Best Online Colleges And School for 2018

In the last decade, online colleges have grown in number, with many state universities and other reputable colleges and universities now offering online degrees. Ironically, both career goals and limitations serve as prime factors for pursuing online college degrees. Unlike the perception just a few years ago — that online colleges play a distant second to traditional, on-campus education — today, many graduates of accredited online colleges report high satisfaction with their choice to earn a degree online Many students enroll in online colleges because of the time advantages and flexibility that online degrees offers. Most people can’t afford to put their careers on hold or rearrange their lives in order to earn a traditional, on-campus degree. Online schools provide a great alternative, allowing anyone to earn a degree that meets their goals in a flexible, affordable format.

Ranking Methodology

Academic excellence based on a school’s curriculum generally or within the selected discipline [weight = 25%]Our ranking methodology includes a blend of data analysis and research (in areas such as academic excellence, strength of faculty, reputation, affordability, and range of degree programs), as well as the combined professional experience of our staff and Academic Advisory Board. All of the online colleges and universities listed are regionally accredited, nonprofit, and offer a range of online degree programs.Our goal is to identify and rank the best accredited online colleges available to ensure the greatest satisfaction among online students.
  • Strength of faculty scholarship [weight = 25%]
  • Reputation [weight = 20%]
  • Financial aid [weight = 10%]
  • Range of degree programs [weight = 20%]
  • Strength of online instruction (if applicable) [weight = 25%; subtract 5% from each of the above for online schools/programs]

The 100 Best Accredited Online Colleges

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