Change life insurance policy,miracles in the real world,5 core leadership skills - 2016 Feature

Recently we have traveled offshore to see what kind of marine life has returned to the area. And a bit of a surprise – literally hundreds of North Atlantic Grey seals foraging completely unconcerned about any mammal eating predators that might be in the area.
We were very fortunate to catch a ride with our friend Wayne Davis to fly the outer Cape several days ago. The month of May is fast moving to a close and the spring migration continues to be an adventure. Leaving Chatham Harbor in the slate grey of a cool spring morning to calm seas we ventured south a few miles to examine the condition of the South Beach cuts of 2013 & 2014 and to assess the haulouts of Gray seals gathered along the Monomoy side of these inlets. But since our target for the day was whales we quickly assessed that there were no Humpbacks feeding in the immediate Chatham Harbor area out 3 miles so we decided to head north to check out the action reported heavily in the vicinity of Race Point near Provincetown. The spectacular behavior of Humpbacks known as Bubble netting is one of the most amazing sights to witness in natural history among whales. In our two beautiful days observing whales off Chatham we were able to cooperate with some area researchers to identify 18 whales by a specific name as their fluke markings enabled matches using the important whale database of flukes of Gulf of Maine whales.
We were so excited about seeing the humpbacks that we decided to fly a couple of days later to see if the feeding frenzy was still on. We are delinquent in reporting on our recent voyage to the Galapagos, earth’s hotspot at the Equator.
And of course the sea lions were incredibly playful in the water…appearing out of nowhere in certain areas to shake us alert. We clearly saved the best of our South African adventure for last as we hooked up with our good friends Chris and Monique Fallows for a beautiful day on False Bay aboard the White Pointer 2.
A pair of Southern Right Whales took a break from their feasting on anchovies and approached us!
Life insurance is an essential part of every family’s financial plan, but people often underestimate the amount of coverage they need and pay too much for what they get.
Life insurance rates have dropped significantly over the past decade, and it can be less complicated than you think to figure out what you need.
A healthy 30-year-old man can buy a $500,000, 20-year term policy for just $250 per year, or $1 million for $430.
For example, if you expect to need $20,000 a year for more than 20 years, buy a policy with a $500,000 death benefit.
This is also a good time to think about what to do if your policy is set to expire before your need for coverage is up. For example, a 40-year-old man could pay about $8,000 a year for a $500,000 whole life policy, but he may accumulate more than $325,000 in cash value by age 65 (based on current dividends), with nearly $200,000 guaranteed and a death benefit that could grow to about $750,000. Later, you can withdraw the cash value tax-free up to the amount you paid in premiums over the years.
Even after your kids are on their own, Maurer suggests keeping some insurance as long as you’re working to help your spouse pay the bills and save for retirement if you die. The need for life insurance ends at retirement if you’ve done your financial planning, says Daily. We at GIR are committed to provide professional services to take care of Total Logistics needs of our customers and make them satisfied every time.
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We were pleased to find the return of Gulf of Maine humpback whales along with quite a few fin whales feeding on large schools of sand lances about 10 to 15 miles out. Launching our boat , Aleutian Dream into the water this past weekend finally enabled us to get out in the Atlantic and off shore to investigate reports of massive schools of sand eels and voraciously feeding Humpback Whales. An ocean swell from the previous days Northeast winds was causing a significant line of breakers across both inlets even at high tide.

We were rewarded for the long run up from Chatham with confirmed sightings of four different cetaceans! This is cooperative feeding among 1 – many whales working together to efficiently feed.
Thanks very much to Tuna spotter pilot and photographer Tim Vorheis who nailed this image some years ago so you can see what is happening…and this is just one whale working. The identification of North Atlantic humpbacks is made possible in large part by access to this Gulf of Maine Humpback Whale Catalog.
We have wondered what it’s like below the surface when the feeding frenzy is on among our humpbacks. All previous trips had been in the South African spring or autumn months when the activity is observable but not as intense. Though we were prepared for some mind numbing observations of endemic wildlife we were not quite prepared for the experiences that waited for us especially under the waves in this tropical island oasis.
Chris and Monique are the owners of Apex Shark Expeditions and are among the world’s most experienced naturalists in observing the behavior of Great White Sharks having observed and recorded more than 6000 natural predation attempts by sharks on the Cape Fur seals. The policy you bought when your kids were born may not have the right amount of coverage when they’re ready for college. If you’re married without children, you may need coverage if your spouse relies on your income to help pay the mortgage and other bills. Your life insurance must help your family cover expenses, including the mortgage and other bills, and enable them to save for college and retirement without your income. She recommends a death benefit large enough that you can cover the annual income you need by withdrawing 4 percent of the money each year. If you plan to have more kids or to keep working for several decades, you might need a 30-year policy, even though it costs much more than 20-year coverage.
Maurer recommends reviewing your life insurance needs every five years and whenever you experience a major change, such as having another child, starting a new job, taking out a bigger mortgage, or getting divorced.
You may need the extra coverage only for another 10 or 15 years if your kids are teens (especially if you already have other coverage that will last longer). Options include buying extra insurance for a longer term, converting your current coverage to a permanent policy, or buying some permanent insurance.
Premiums are expensive, but the insurer promises to increase your cash value by at least a minimum amount every year, and the policy usually pays dividends.
At this point, most people can finally afford to boost their retirement savings contributions. Maurer recommends calculating how much money you need to add to your nest egg to reach your savings goals, then keeping enough term insurance coverage to fill in that gap in case you or your spouse dies early. You may need a policy that lasts for your lifetime if you and your spouse rely on a pension that does not have a death benefit for the survivor, if your heirs will need cash to buy a stake in a business, or if you’re supporting a special-needs child.
Or, if you bought a permanent policy that’s built up cash value, such as a whole life policy, you can withdraw some of the money for income. Further friends have reported schools of basking sharks also in the area although we have not seen them this year yet. We even saw a small school of dolphins on the surface but they were a bit shy and we did not got an image of them. This does not bode well for navigating this short cut to Nantucket Sound for mariners this summer season.
We are grateful for all of the ongoing efforts of our whale researchers at the Center for Coastal Studies and those who maintain the North Atlantic Humpback Whale Catalog at Allied Whale.
White Sharks frequent Seal Island during the South African winter months feeding on the smaller seals that were pupped earlier in the year. When you retire, you may be able to drop coverage altogether, unless you have a cash-value policy you plan to tap for income or include in your estate plan.

A $1 million, 30-year term policy would cost a 30-year-old man about $710 per year ($580 per year for a woman). A healthy 50-year-old man can get a $500,000, 20-year term policy for $925 per year ($675 for a woman).
Or you can borrow the cash value; the loan will not be taxed as a withdrawal as long as you keep the policy for the rest of your life.
We observed seals well off the beach about a mile and in numbers suggesting that as yet the apex predator white sharks may not yet have arrived. Please consider supporting these organizations so they can continue to  curate and improve these important databases for the ultimate benefit of our humpbacks no matter where they travel. Chris and Monique Fallows of Apex Shark Expeditions have been observing and recording white shark behavior since the mid 1990s when Chris and fellow naturalist Rob Lawrence validated a South African legend which held that massive sharks actually flew through the air in False Bay.  This has led to a wonderful but sometimes misunderstood global fascination with the Great White Shark especially those from False Bay. Below is an image of a school of Black tipped reef sharks each about 6 feet long and were patrolling a rocky passage we were free- diving through. Generally in early September the sharks move away from the island and begin to feed elsewhere as spring approaches. As you can see the northern tip of it touches the area just south of Chatham, Massachusetts and the Monomoy NWR.
We understand that the listening buoys are to be deployed in the next days so real data may soon be available on the presence of white sharks. These events are spontaneous and since white sharks hunt most often using stealth and surprise to their advantage it is also almost impossible to predict where and when such an event will happen. To get this shot John free – dove down to about 40 feet and swam with the school for a few dozen meters before returning to the surface. That said, luck was with us on this day as flat calm conditions and spectacular activity from the entire food web were evident right from the first rays of light of the day. As of this date – there are absolutely no data that suggest white sharks have returned to the area. On this day we witnessed approximately 2000 common dolphins gorging on anchovies even as hundreds of Cape Gannets, kelp gulls and terns swooped in for their share from above. They usually occur at the faintest of dawn’s early light and about hour or so after sunrise the action is generally over for the day. Late in the trip we were greeted by a school of about 100+ False Killer whales who stayed close enough to allow some of us to get up close and personal with a magnificent ocean predator.
Throw in some feeding Southern Right whales a humpback and some fantatstic white shark action and you have a very special day indeed. Last year the first white shark was detected by an acoustic receiver off Monomoy on June 14, 2014.
It is and the weather at this time of year (dead of winter) can be chilly , wet and miserable.
Several of them have tracked False Bay white sharks at this time of year for the past 5 – 7 years.
I was humbled by their work and their experience not to mention being with the white shark zen master himself, Chris Fallows who was expedition leader.
Upon arrival we were set to spend 9 days, weather permitting, on the water in search of nature’s greatest wildlife show on earth.

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