Upon getting information about an upcoming school science fair and the need to consider a topic of interest, many students will typically have no idea where to get started. While the science fair is typically a common occurrence in any school at any grade level, there are different types of topics that should be taken a look at depending on the age of the student. After first taking a look at the many different categories of science projects, you will be able to locate a suitable choice of topic to take to the next level.There is a wide variety of categories that fall under the types of science projects that can be chosen for a school science fair. These include biology, chemistry, physics, microbiology, biochemistry, medicine, environmental, mathematics, engineering, and earth science. While you may not have yet learned very much in any of these categories, don’t be afraid to see what each one entails. Taking a good look at your interests will allow you to focus on the right direction to take.Many resources are also available for those who are unsure as to the topic they are wanting to use to create their science projects. If you take a look at the topics that fall under the biology category, you will likely notice that there are topics that deal with plants, animals, and humans. For those who are in 2nd grade or 3rd grade, an interesting topic may be to determine if ants are picky over what type of food they eat. While this topic might not be of interest to an 8th grader, it is certainly something in the biology category that an elementary school student would enjoy.Along with the biology category, a high school student may want to take a look at diffusion and osmosis in animal cells as this would be a more appropriate topic for the grade level. A student in 6th grade would be more advanced than an elementary school student, but not as advanced as a high school student. At this middle school grade level, a topic of how pH levels effect the lifespan of a tadpole may be of interest.Whichever resource is used to locate a topic for science projects, it is always a good idea to consider the grade level of the student prior to making a selection. It is always assumed to be best to have a project at an appropriate level in order to keep the attention of the student and provide a fun and enjoyable learning experience.
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Should You Use Life Insurance As an Investment?
There are two common forms of life insurance in the industry – term insurance, and unit linked plans, or ULIPs. There is another kind of insurance – which is popularly known as investment based insurance – endowment plan. One of the questions that rise in the minds of the prospective insurer is: “Should you use life insurance as an investment?” In other words, when there is a considerable outlay that is planned towards insurance policy, why should we not get returns out of the investment, along with the insurance cover? That, precisely, is the idea behind an endowment policy, where you could buy life policy and also stand to gain from the benefit perspective.What is Endowment Policy?One of the popular attractions associated with investment in insurance is that you would be eligible for regular and accumulated bonuses and would also benefit from survival benefits, at the end of the term of the insurance policy. When you buy life insurance, you would also be eligible for returns at predetermined rates. As far as bonuses are concerned, they tend to get accumulated and get paid to the insured upon maturity of the insurance policy, or to the nominee upon death of the insured. And even if you survive the duration of the life policy, you would get a maturity amount on survival.The Catch:It all seems attractive, but for a few aspects that deserve your attention and consideration.High Annual Premium: When you are eligible for a maturity amount on survival at the end of the duration of your insurance cover, you should naturally expect high annual premiums to be paid.Unpredictable Bonuses: Even if you could expect regular bonuses that tend to accumulate, there is no way you could know how much bonuses you would get from the insurance policy.Low Returns: Despite your eligibility for maturity amount on survival, you would find that the returns are below par, when you compare a life policy with a pure investment option.Scope for Improvement:Better Interest Rates: You would get the insurance cover and maturity amount along with bonuses. But bonuses do not get paid as and when they are declared. Rather, they get accumulated without accruing any interest on the accumulated amounts. With this insurance policy, you lose out on interest rates.Higher Returns: This life insurance policy typically invests the investment portion of your outlay in Government bonds. You may have security, but not the high returns that you could otherwise earn.Smarter Investments: If you are looking at a smarter option, you should instead be parting only with the insurance part of the equation, and invest the other part on an investment option that gives you higher returns. When you compare life policy with other investments, regular investment options would typically give you better returns.What can you save on?You could save on premiums. When the investment part of the equation is out, your life insurance policy would give you just that – insurance cover. You could buy life insurance as a standalone entity, as term insurance or as ULIPs, and could invest the other part of your outlay on instruments that give you higher rates of returns. You may not have a maturity amount with such an insurance policy, but you could very well save on premiums that you would have paid otherwise.So, should you use life insurance as an investment?It is clear from the discussions that life insurance policy should give you insurance cover, since the benefits that you get in terms of maturity amount with an endowment plan would be compromised on account of the higher premiums paid otherwise. When you compare life insurance with the returns that you get from investment instruments, you would naturally choose to buy life insurance purely for the sake of what it is supposed to provide – insurance cover, and not to serve as an investment option.