Life Wireless® provides free government phones and cellular service for eligible customers through the Federal LifeLine assistance program. Get your FREE phone today! In Spanish, to say, 'You are my life,' you say, 'Tu eres mi vida.' For example, if you want to use it in a sentence you can say, 'Tu eres mi vida, y me amor.' Jan 21, 2019- Explore ichavez67's board 'Spanish Songs' on Pinterest. See more ideas about Spanish songs, Lyrics and Get a life.
– Spain: that’s true, customer service in Spain sucks. It seems like they are making you a favour.and it’s something I hate form Spain. Companies don’t care about his employees, they pay a low salary, employees work a lot of hours, some of them unpaid, and this has repercussions in customer services. It’s a pity.– UK: Normally, at least in London, the customer service is good. Except for GP and hospital receptionist; doctors and nurses are really charming but the staff in the reception 90% of times are rude and impatient.Getting ripped off:– Spain: The thing is I can’t speak about this in Spain, I don’t have any experience and I don’t know anyone that was in that situation, even my foreign friends. Maybe because I know the country and the language and it’s difficult for them try to rip me off. I don’t doubt that this happen as everywhere.– UK: As in Spain I don’t have the experience to be ripped off in UK, but I know some people who do. They were cheated when they were trying to rent a flat or a room.
And this is something so usual in London. I read about that before I came here and it’s for that I’m very careful when I want to rent something.They main problem here are the landlord, you can be very careful but if you have a bad landlord it’s difficult to do something. And I lived and I heard terrified stories about some landlord and their houses.Poor road/facilities.– Spain: In this point, I totally disagree with you. I’ve driven in both countries and in many areas of them, and I have to say that Spanish road have a high quality if you compare them with France ones or England ones. Obviously, you live in a village, you can’t expect the same road in Madrid (6 million hab.) with Nerja (21.000 hab). Some local road to connect villages to each other or a village with a main motorway could be worst. But the government just cannot invest in the best road for every single village in Spain, it’s just impossible; it’s a big country with a lot of small villages.
I’ve travelled through Europe and I have seen lots of villages with dirt roads instead of highways and that it doesn’t happen in Spain, even in the smallest village in the middle of a mountainAbout the floods, that is something so difficult to fix because of the ground. That area is not used to getting so much water suddenly, and when it happens the ground can’t take it, even if it has the best sewage system. Something like that happened some weeks ago in Paris, so imagine in a village. But it doesn’t happen in the north of Spain for instance, because the ground used to get lots of water as in England.– UK: Do you know how many council tax I pay in London? Like 5 times what I used to pay in Spain. Apparently it’s not enough to fix the streets.
Every single tile in my street is not in its place, so I see every day people fall in the street because of this. The streetlight in front of my house is broken for 4 months, I’ve called 3 times to the council and it’s still broken.The sign indicating the name of the street, two streets away from mine, fell down a month ago and god knows when they’re going to fix it.And a special mention to the rubbish truck, which comes once every 2 weeks to take the rubbish. I know this country is not hot and the rubbish doesn’t smell as it does in hot countries but it brings rats and the foxes are fighting for the rubbish every night. And I’ll say the price we pay for the rubbish collection is far to be cheap.One good point, public transport is expensive but it works so well and I love it.I don’t want to compare both countries, because it doesn’t make sense.
They are just different, if you want to live in one of them you have to assume the change and be part of the community.I love my country and I think Spain have something special that everybody likes and I love England and I see special thing here as well.I know some Spanish and Italian people here and they always say “I want to go back to Spain/Italy”, and I don’t have that feeling. When I’m here in UK I miss Spain, the weather, my people, my food. And when I go to Spain, at first I’m happy, but then after a couple of days, I start to feel sad because I miss UK, I realized I miss the same things: the people, the food, even I miss the language.The point is, my friends want to go back because they didn’t want to be part of the English culture, so they are fighting every day to keep their culture, to not change anything.
They idealize their countries and forget why they decided to leave it. And when they finally return, most of them realise it’s not what they thought. Response From Shirley Who Does NOT hate Spain!Below we have a response to the ‘I Hate Spain’ article from Shirley who has a house in Ontinyent:“After reading your article from Nick from Nerja, I would expect that you received many emails in reply.I realise that life has become more difficult for many during this recession, and Britain is no different from Spain. I don’t know when Nick was in the UK last, but around half the shops in our town in South Wales have closed down, and many families are struggling to get by after being made redundant. I work as an estate agent, and we are getting several repossessions every week and house prices are not increasing, as a lot of people believe.I wonder if Nick learned to speak Spanish before he moved out to Spain, as I would imagine it is quite difficult to get work anywhere that you don’t speak the language.
He didn’t say what work he did in the UK or in Spain.I have been learning Spanish for a few years now and wouldn’t expect to get work in Spain, other than by working for Brits, doing things like cleaning apartments and pools. How would a Spaniard fare in Britain getting work if he didn’t speak English?I feel that the is probably a much different place to live than the Costa Blanca in many ways and I’m not sure Nick is qualified to comment on the Costa Blanca uncovered newsletter! One of the reasons we avoided the South of Spain was that it’s closer to Africa and has more crime.
I wonder how much research Nick did before choosing an area to live in Spain.We don’t know any Brits in our area, although we don’t live there, and I don’t kid myself that we could move out and make a good living, certainly not in this economic climate. I also think that moving out with just 15k savings is a very risky thing to do!We have had no bad experiences of being cheated by anyone, and have made some wonderful friends. I am always happy with the service I get in local shops and restaurants, although I do agree that certain things are more complicated, like dealing with the council etc.But then there is no litter in our town, no discarded chewing gum stuck all over the pavements, and NO drunken louts fighting in town on a Saturday night out. Thanks to everyone for their comments here, they have all been most helpful. I have lived and worked in France since 2000, and have encountered some of the same problems but not anything like the extent described here by some.School is the same and bullying of foreign children is a problem. As always, the Brits are very clannish here, most don’t integrate or learn the language even seeming surprised sometimes to find that they actually speak French In France. The Brits always let themselves down by not doing the research before they move, then not integrating when they get here and, particularly, not learning the language.I have just spent the last winter in Chile, where it wasn’t (just returned) and came up against many of these problems.
However, I made friends there easily, because I made the effort and, was guided and protected by them. It is a dangerous place for a European to be, whether in the city or country and the infrastructure is poor. I like tarmac on my roads and have no desire to drive a hundred kilometres without. The object of the visit was to decide if I wanted to live there. Nope, I don’t. So Spain was my next choice because I got used to the heat.
My intention is to rent a finca or chalet, in the country, somewhere between Malaga and Savilla. My Spanish is passable and gives the indigenous populous a laugh but they appreciate that I learn from them and often make it their business to help. Or so it was in Chile and also Rio where I spent some time.In short I am very pleased to have read all the comments and will keep them at the forefront of my mind when preparing to go this winter. I’ll let you all know what happens. It’s true, Spain zaps positive energy. You get used to it, roll with it, but eventually it will beat you into submission! Spain will grind you downThe easiest retort is to call out the little Britain brigade which is undeniable – sad but true.
However, I know there are many people like me (intelligent, culturally appreciative, have lived, worked, learnt and spoke the language, married a half Spaniard) who would agree with a lot of the comments. Unfortunately, it’s a backwards country at the core of its attitudes and there’s only so long a healthy mind can reasonably tolerate it. I’m back in the UK after more than a decade living the dream, and often reminisce of the good times (mainly the relaxed lifestyle and enjoying the world’s greatest cuisine) – but then you remember the hideous bureaucracy, corruption and attitudes that drove you away. I don’t regret my stint at all, so many experiences over the Brits that never discovered what I discovered – but ultimately I do think that we’re just not compatible. I am on holiday in Almeria right now. Love the beaches and weather but people are extremely rude I mean not only rude but also very spiteful and mean. Not every single person obviously, there are nice people here, but in general it is horrible here.
Get Yourself A Life In Spanish
Restaurants, hotel receptionist what a rudeness, and omg I asked receptionist because I just couldn’t take this anymore- why are you so angry??? He replied “ me? Nooooooooo I am a very friendly “ Oh my WORD! Rudeness here is a norm and anyone who dares to challenge it is labeled as mentally ill a troublemaker. Can’t stand this people, women are even more aggressive they stare like insane with that hateful, jealous, evil, psycho killer look. Well I guess people today are just like that.
Politeness, friendliness is very rare. Narcissism in on the rise.
Read the Spanish version:If your family relies on your income, is an important part of planning for your family’s future. It’s grim to think about. No one likes to plan for their death, but a little discomfort now can save your family a world of financial stress should the worst happen. Why buy term life insurance?In general, life insurance is purchased to replace your income if you die, so your loved ones can pay debts and living costs.For example, if you and your spouse own a home and you were to die tomorrow, your spouse would have to pay the mortgage on his or her own. If you had the proper term life insurance policy, your spouse would receive enough money from the policy's death benefit to pay off – or at least keep up with – the mortgage.Because of its low cost, compared to other types of life insurance, term life is a popular life insurance choice. How does term life insurance work?When you buy a term life policy, an insurance company promises that it will pay your beneficiaries a set amount if you die during the policy’s term. In exchange, you pay a monthly premium to the company for the duration of that term.Keep in mind these key points about term life insurance:.
Since you cannot change the amount of coverage within a term policy, if you discover that the amount isn’t sufficient, you would need to buy an additional term life policy to provide extra coverage. The calculations behind life insurance rates are all about life expectancy. That's why life insurance costs more as you get older. If you outlive your policy term, the insurance terminates and you must buy another policy if you still want to carry life insurance. However, the annual premium for another policy could be quite expensive because your older age and any health conditions will be taken into account. That’s why it’s important to choose a suitable term length early in life.
What does term life cover?The death benefit amount you choose at the start of your policy does not have an assigned use. Typically, these funds are used to cover funeral expenses, debts, mortgage or replace lost income of the insured party; however, the death benefit can be used by beneficiaries in any way they choose.Choose your beneficiaries carefully. There is no legal requirement for them to spend it on the items that you planned. You can also choose multiple beneficiaries, allowing you to split up the money between family members the way you want. Any requirement for how the money should be spent, such as paying off the mortgage or college tuition for children, should be specified in a will. Types of term life insuranceThere are several kinds of term life insurance:. Level premium - For the policy’s time period, say 20 years, your premium stays the same.
Many term life policies give you the option to renew your coverage at the end of the term without undergoing another medical exam. However, your premiums will rise annually after the level term period – often substantially. Annual renewable term - This gives you coverage for one year with the option of renewing it each year for a specified duration, such as 20 years. With this policy, your rates go up every year you renew and are calculated based on the probability of your dying within the next year.
Return of premium - If you’d like to have term life insurance protection in place to provide for beneficiaries but you’re confident you’ll outlive the policy, you could consider '” term life insurance. Under this type of policy, if no death benefit has been paid by the end of your insurance term, you receive all your premiums back. It pays to shop around for a policy like this. On the low end, you can expect to pay 50 percent more in premiums than comparable traditional term life insurance. Guaranteed issue or term – Generally used if you have an illness or a troubled medical history, these policies require only a few questions and no medical exam, but you pay a much higher premium in exchange for the guaranteed coverage. That's because the insurance company takes on more risk by insuring people without knowing their medical conditions.
Guaranteed issue policies often have 'graded' benefits that pay only a partial benefit if you die within the first several years of the policy. A life insurance agent can search the marketplace for a guaranteed issue policy that meets your needs, but even if you have a spotty medical history, an underwritten policy like term life still could be less expensive.
Final Expense - If you don’t like answering a lot of questions and you want a small policy just to pay for your funeral, you might consider final expense insurance. This coverage typically pays a lower benefit than conventional term life insurance.
You cannot be turned down for this type of policy, but here again you’ll pay more for that convenience.Understanding different kinds of life insuranceThere are several types of life insurance depending on your needs. Here's how term life compares to three types of permanent life policies. Policy typeTerm LifeTerm length10, 20 or 30 yearsUntil deathUntil deathUntil deathFlexibilityNoNoMay adjust premiums and coverage level.May adjust premiums and coverage level.Investment portion which can be withdrawn, borrowed against or added to death benefitNo investment portion.Premium is partially invested in set assets and will build cash value.Premium is partially invested in asset classes that can be adjusted and will build cash value based on market movement.Premium is partially invested and can be managed. Will build cash value based on market movement.AdvantageLow-cost premiums with a high amount of coverage.Low maintenance. Safe and conservative.Lowest price for permanent policy with guaranteed death benefit.Potential for greater gains.DisadvantageAfter term is complete and no death benefit has been paid, rates for buying a new policy increase substantially.High premium.Cash value is not guaranteed.Cash value is not guaranteed.Term life vs. Permanent lifeWhether is better depends on your situation. Looking at the table below, ask yourself if you.
Term LifePermanent LifeWant a lower premiumCan afford a higher premiumWant a shorter commitmentWant no expiration dateWon’t have many expenses at the end of the termWant money left to beneficiariesDon’t care about building cash valueWant to build cash valueWant a high amount of coverageWant a relatively conservative investment accountChoosing the right term life policyFiguring out which term length you should buy (usually 10, 20 or 30 years) requires a review of your debts, financial needs, dependents' needs – and when all those responsibilities might change. When will your dependents reach financial independence?
And Get A Life In Spanish
Get A Life Translated Into Spanish
What are your major debts, such as mortgages or other loans, and when must they be paid off?It's a good idea to review your life insurance needs carefully, both when you buy a policy and when you experience a major life change. To stay on top of your life insurance needs, you should:. Review your circumstances. Review your situation yearly. If you already have one, to make sure it still provides appropriate coverage. Shop around. Life insurance quotes vary considerably among insurers, so do your homework. Sweat the fine print. An insurance policy is a legal document, so read it carefully and make sure that you understand it before signing anything. Be truthful. Answer all application questions accurately.
Insurance fraud is a serious crime and companies treat it as such. Maintain your list of beneficiaries. Don’t wait to change them when it’s necessary. And tell your beneficiaries about the insurance – don't pay for a policy that your heirs can never claim because they don't know about the policy or the name of the insurer.How much can I expect to pay for term life?The price of your policy will vary depending on your age and other risk factors, but you should never assume that a policy is out of reach because of cost. Eighty percent of consumers misjudge the cost of term life insurance, according to LIMRA.Find your health profile and desired term length in the chart below to get an idea of your annual premium cost. These quotes are for people classified as the 'Regular' health category. Average Annual Premiums for Term Life death benefit of $250,000.