Corey C. Bennington

A Unit Linked Insurance Plan (ULIP) allows investors to receive not just insurance but also investment in the same plan. These plans can be convenient, flexible, and easy to understand. ULIPs also provide tax benefits, and of course, potential return on investment. But before selecting a ULIP, there are some things you need to understand. Level of risk ULIPs are versatile considering you can decide how much you'd like to risk. But not every risk level is going to be appealing for every prospective investor. While opting for a ULIP that has a higher risk means you may receive a potentially higher reward, this also means your investment may not go as planned. There are three main types of ULIPs: Equity-based : Riskiest but the highest reward if it goes right Debt-based : Much less risky than equity-based ULIPs but have a smaller return on investment Hybrid/Balanced : Most flexible ULIP as there is the power to choose where to invest; equity and debt funds offered In fact, even the

Selecting a pastry from the bakery case felt like an awesome responsibility as a child. I did not take this task lightly, carefully eyeing the frosted cupcakes and the craggy-topped muffins and the gooey chocolate cookies. No amateur in the sugar realm, I'd skip past the biscotti and other similarly austere and adult desserts to land on the cakes and petit four sections. But no matter how decadent the offerings, if I saw an éclair behind the glass window, I'd always be sold. ♥ + The Perfectionist's Guide to Making Chocolate Éclairs by  Alice Medrich An éclair is, arguably, a perfect dessert. Given its French origins, that's no surprise. The French know their pastry. There's the textural contrast: creamy, crunchy, and gooey. There's the balance of flavor between the smooth pastry cream, the intense chocolate glaze,