Tidur merupakan cara untuk menghilangkan lelah paling efektif. Biasanya orang dewasa menghabiskan 7 sampai 8 jam waktu untuk tidur. Namun tidak semua orang dapat melakukan hal tersebut, terlebih lagi jika kesibukan yang banyak dan menyita waktu. Orang akan melakukan aktivitas hingga larut malam atau begadang dan membalas tidur hingga siang hari.
Walaupun kegiatan tersebut tidak bisa disalahkan , ternyata tidur terlalu lama alias bangun siang dapat menimbulkan efek buruk bagi tubuh kamu. Berikut rangkumannya dari berbagai sumber.
1. Kehilangan waktu produktif
Para ahli mengganggap pagi hari adalah waktu tepat untuk menjadi produktif karena pikiran yang masih jernih dan bersemangat. Namun jika kamu tidur terlalu lama, kamu akan kehilangan waktu tersebut yang menyebabkan kamu akan menyelesaikan tugas hingga malam hari.
2. Lesu
Tidur terlalu lama bukan cara yang baik agar tubuh kamu segar kembali. Lesu tersebut disebabkan karena metabolisme dalam tubuh yang terganggu akibat bangun siang hari. Ternyata tubuh membutuhkan waktu lebih lama untuk memulai sistem.
3.metabolisme bermasalah
Jika kamu tidur terlalu lama, tubuh tidak berfungsi sesuai ritmenya. Tubuh juga dapat merasakan lapar dalam jangka waktu yang lama hal itu pulalah yang mengganggu metabolisme di dalam tubuh. Usahakan tubuh kamu bekerja sesuai waktunya, jangan dipaksakan.
Jika kamu tidur terlalu lama, tubuh tidak berfungsi sesuai ritmenya. Tubuh juga dapat merasakan lapar dalam jangka waktu yang lama hal itu pulalah yang mengganggu metabolisme di dalam tubuh. Usahakan tubuh kamu bekerja sesuai waktunya, jangan dipaksakan.
4. Sakit kepala
Kamu sering merasa sakit kepala ketika terlalu lama tidur? Itu karena cairan serebrospinal bergerak ke otak ketika tidur terlalu lama. Jika kondisi ini, dapat berlangsung dalam jangka waktu yang lama dapat menyebabkan sakit kepala yang semakin parah.
5. Menyebabkan kanker hati
Bangun di siang hari ternyata berdampak dengan tumbuhnya kanker hati. Sebab, bangun siang menyebabkan buang air besar di pagi hari menjadi tidak lancar. Padahal, jam 5-7 pagi adalah waktu tubuh untuk membersihkan segala macam kotoran.
Penulis:
Nihlah Fauziyatul Wafa
Flexible Premiums with Variable Universal Life Insurance
Variable universal life insurance policies have the cash value structure of variable life insurance, but you can use the cash value to pay premiums. You can also pay a larger amount in premiums if you choose to do so. Therefore, these policies are sometimes referred to as flexible premium variable life insurance.
While variable universal life insurance policies typically have minimum and maximum premiums, you’re free to pay whatever amount you choose that falls within these limits. This means you can:
Pay a portion of premiums - If your premium is $500 per month, you can choose to pay $250 out-of-pocket and use your cash value to pay the rest. This option is typically only available once your cash value has reached a certain minimum size.
Not pay premiums - If your cash value is large enough, you can use it to pay the entire premium amount.
Pay more than your target premium - You can overfund your policy’s cash value early on so that investment gains build up more quickly. This option is typically favored if you have a sizable income and want the option of not paying premiums later on, such as in retirement.
There are also single premium variable universal life insurance policies which allow you to purchase coverage and fund the policy’s cash value with a single payment. You essentially purchase coverage and make all your required cash value contributions at once. But you also have the option of contributing more to the policy’s cash value if you choose to do so.
How Variable Life Insurance Compares to Other Products
If you’re considering variable life insurance, it’s important to consider how this policy stacks up to similar financial products.
Variable Annuity vs Variable Life Insurance Policy
A variable annuity is just a tax-deferred annuity in which you get to choose how the value of the annuity is invested. It’s somewhat similar to a variable life insurance policy in that:
You can choose how the product’s value is invested. Both products typically have a wide range of options across equities, bonds and money market instruments. If you choose poorly, the value of your investment can decrease.
It comes with a death benefit. With variable annuities you assign a beneficiary and, if you pass away, your beneficiary would receive a specified amount of money. This is typically the remaining value of the annuity or the sum of your premiums minus any withdrawals. This is a bit different from a variable life insurance policy which has a lifelong death benefit. Investment gains are tax-deferred.
Withdrawals above your basis are subject to income tax. For variable annuities, this means you’ll be taxed on the growth of your investments. * For a variable life insurance policies, if you withdraw a greater amount of cash value than the total amount you’ve paid in premiums, you pay taxes on the difference. This also applies if you surrender the policy.
You would have to pay surrender charges to make a withdrawal during the first several years.
You can choose to pay in a lump sum or in smaller payments over time.
The primary difference between a variable annuity and variable life insurance is that with a variable annuity you receive your investment back in a series of payments from the insurer. With a variable life insurance policy, you can make a series of withdrawals from the policy’s cash value, make a single large withdrawal or simply use the cash value as collateral in a policy loan.
Variable annuities are also restricted in that you may have to pay a fee in order to make withdrawals before a certain age. Withdrawals from variable life insurance policies are only restricted by the amount of cash value available.
Variable Life Insurance vs Whole Life Insurance
Both variable and whole life insurance offer lifelong coverage, but whole life insurance policies are “lower risk, lower potential reward”. Whole life insurance policies have:
Level premiums - You pay a consistent amount in each premium payment.
Level death benefit - The death benefit is guaranteed and won’t fluctuate.
Guaranteed returns - Your cash value grows consistently and is typically guaranteed to equal the policy’s death benefit when the policy matures (usually when you turn 100).
In addition, whole life insurance policies have lower fees are they’re not regulated as securities. The downside is that whole life insurance policies have fixed upside potential. The cash value of variable life insurance policies can grow at a much faster rate and in certain cases can be used to pay premiums. Whole life insurance policies don’t offer the flexible premiums of variable universal life insurance policies.
Variable Life Insurance vs Mutual Funds and Term Life Insurance
“Buy term and invest the difference” is a phrase often used to discourage people from buying cash value life insurance policies, such as variable life insurance. If your financial obligations are likely to go away within 20 to 30 years, then purchasing term life insurance is likely to be a better option as it’s significantly less expensive than variable life insurance.
For example, if you are purchasing life insurance to make sure your family could stay in your home if you pass away and you have a 15 year mortgage, you would do better with term life insurance. Similarly, if you could save enough money over the next couple of decades to handle any future financial obligations, you should do so and just buy term coverage as a backup. With variable life insurance, you’re paying more to have a death benefit in place for the length of your life.
Now, there’s a separate question of whether you would want to buy cheaper permanent life insurance, such as guaranteed universal life insurance, and invest the difference in mutual funds or ETFs. There are pros and cons to both options but we would typically recommend maxing out contributions to retirement accounts prior to investing in variable life insurance. With a 401(k) or IRA, your money will grow tax-deferred and you’ll have a wider variety of investment options with lower fees. The only downside is that it will be harder to access your money for a period of time, but even variable life insurance policies have surrender and withdrawal fees.