Consumer Alert! – Three Types of Life Insurance You Probably Don’t Need

American Consumers face a bewildering set of financial options in their lifetime. Investment, Legal, and Risk Management considerations continue to multiply decade after decade. However many of the options available are not great choices. In the world of life insurance, there are three products that stand out for being not appropriate for most Families. Although each of these policies could help in certain limited situations, they are all generally overpriced, narrowly useful, and occasionally miss-sold by insurance agents.

Mortgage Life Insurance:

Mortgage life pays off your house in case you die. Why a consumer needs an insurance policy that only pays down the mortgage is unknown to me. In Comparison a simple term life which can be taken out in an amount to cover a mortgage, Mortgage Life tends to be extremely overpriced, sometimes fabulously overpriced. Besides by their very definition Mortgage Life benefits generally shrink as you pay your mortgage off overtime.

In comparison a level term insurance policy taken out with enough death benefit to cover the entire mortgage will be paid out to the survivors as you see fit. They then can decide how best to use the money. There are certain situations when mortgage life insurance can be a good idea, such as when the primary breadwinner is uninsurable. Otherwise -for everyone else – consider Term.

Children’s Life Insurance:

The point of life insurance is to provide an emergency financial sum in the case of an untimely death. Life Ins. dollars should be used to replace lost income. Children, in general, do not have an income; therefore there is no financial reason to carry a life insurance policy on your child.

The smarter option is to either use the cost of a children’s life policy to supplement one of the parent’s term life policies or to stash the money into a college savings plan – such as a 529.

Often Children’s life policies are sold with the idea that it guarantees the child insurance once the child reaches the age of maturity. The problem with this idea is that kiddie life insurance policies (as they are often known as) are not written in amounts that will be very useful once they reach adulthood.

Skip the kiddie life policies and wisely use your cash elsewhere.

Cash Value Life Insurance:

Cash value insurance goes by various names: Whole, Universal, and Variable Life. There are multiple other derivatives of these names. Although the lure of them can be high, cash value life insurance policies rarely are worth the additional money needed to acquire them.

Variable life, which contains a stock market component, can only be sold by registered advisors. Whole and Universal, which can do not require advisors are pitched by insurance agents around the country as an Investment mixed with Insurance. The major issue is that the mixing of these two components leads to a confusing, complex, and overpriced product that is almost impossible to shop around. Add on the high fees and confusing legal language and is it any wonder why Suze Orman, Dave Ramsey, and Clark Howard all generally agree, that Cash Value Insurance plans are a poor option for most Americans.

The smarter alternative is to shop around for a highly rated term life policy that fits the needs of both you and your family. Both spouses, working or not, probably could use some form of inexpensive term insurance.

By avoiding just these three life insurance products your family could save tens of thousands of dollars per year.

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Getting a Guy to Invest in You – What You Need to Do, and What You Need to Avoid

So you’ve got a guy, but how do you go about getting a guy to invest in you? What do you need to do to convince him that this relationship needs to be taken seriously? Will it take a miracle, a magic spell or some sort of legally binding contract? If you seem to be the only one putting anything into your relationship, then the following tips are for you. They’ll show you exactly what getting a guy to invest in you involves.

1. Back Off

It seems like a contradiction in terms, but getting a guy to invest in you is actually about making yourself less available to him. When you think about it, however, it only seems like a contradiction in terms. After all, you don’t need to invest in something that you’ve already got, do you? If your man knows that he’s got you and that he can take you more or less for granted, why should he put any work in?

On the other hand, if you can convey the impression that he can’t take you for granted and that you might not be around if you don’t get the treatment you deserve, he has to put some work in to keep you. Back off a little, don’t return his phone calls once in a while, and spend some time with your friends and family by yourself. This is especially effective at the beginning of a relationship.

2. Be Clear About What You Mean

When you say that you want your man to invest in you, what do you actually mean? This is important, because your man may very well think he’s investing in you and the relationship, just by being there. If you would like more commitment, security and time together, you need to say so.

Phrase it in this way – “When you do X it makes me feel Y, so I’d really like it if we could Z.” For example, “When you take the time to drive me to the mall to go shopping, it makes me feel really special, as I know it’s not something you enjoy. I’d really like it if we could do that together more often, and perhaps we can find a way to make it more enjoyable for you.”

Putting it that way makes it more of a mutual benefit and less of a demand.

3. Become A Golden Investment Opportunity

Your man will invest in you if you’re something worth investing in. That means investing in yourself first of all. If you’re an independent, fascinating individual, who leads a rich, full life with her own friends and interests, he’s bound to want to invest more time and commitment in the relationship, because you’re a serious catch.

Getting a guy to invest in you means being honest and being the sort of woman who makes him feel good when she’s around – and we all want to invest in things that make us feel good.

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Top 5 Tips For Car Travel With Your Boston Terrier

One of the challenges of dog-ownership is traveling with your doggy companion. There are issues when traveling with any breed, but Boston Terriers come with their own set of special needs that need to be addressed when taking long road trips. There are many methods, many tools, methods and techniques used to manage traveling by car with your boston terrier. Some work better than others. Now how is it possible to obtain the best results?

Understanding and preparation is certainly the key. In the same way, the real key to getting good results with traveling with your boston terrier is much more know-how about what works and being properly prepared before you travel.

Here are 5 tips for smooth car travel with your Boston Terrier:

1. Take your Boston on a long walk before getting in the car.Just why is this important? Boston Terriers are energetic by nature, and can get bored and moody when they have to be still for too long. This is compounded if they haven’t had a chance for a proper “restroom” break (which you know means several, if you already own a Boston). Make sure you friend has time to run around and do his or her business right before a long car trip.. And exactly what comes about when you follow this advice? You can be sure your Boston will be contented sleeping for a long portion of the trip, and will be comfortable until your first scheduled rest stop..

2. Bring a dish full of ice instead of a bowl of water. Water has a tendency to spill during a car ride, but it’s absolutely necessary that your Boston have access to fresh cool drinking water at all times, particularly if you’re traveling during the summer months. The ice actually helps because Boston Terriers are Brachycephalic (meaning they have a short snout) and are very susceptible to overheating. The cold water will help your pet regulate their body temperature on a hot day.

3. Place shades in the car windows. Once again, the main reason behind this is the Boston Terrier’s intolerance to heat. While you may notice your friend gravitates to sunbeams on the living room floor, it’s very important that they have somewhere shady to lay down.. It is also a good idea because Boston’s have very fine coats and are at risk of serious sunburn if exposed to direct sun for too long.

4. Have a comfy car bed. And why is this a good idea? Car seats are shaped for comfort of the the human buttocks, not for the comfort of our canine friends. With seatbelts sticking out and stitching in strange places they can be very uncomfortable for your dog on a long journey.. Any other reason? Depending on the color of your car interior, the seats (and seatbelts) can get very hot – hot enough to burn your Boston. Having a special bed for your doggy eliminates this risk.

5. Take breaks every 2 – 3 hours. And this will be important because of what? Just like people, dogs need to take a rest break every so often. On a long drive your Boston can become just as uncomfortable and restless as you can. What other significant reasons are there? It’s not healthy or comfortable for your dog to “hold it” for long periods of time. If you notice your dog is drinking a lot of the ice water you have provided you may need to stop more often. A good indicator? If you need to go, they probably do too.

One final word of advice: Never leave your Boston Terrier in the car on a warm or sunny day. Even on a cool day, the temperature inside a car can rise 30 degrees in less than 15 minutes, which can have deadly consequences for your traveling pet.

When you follow these 5 tips carefully you should expect to have a happy, comfortable adventure when road-tripping with your boston terrier.

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Nutrition Tips – The Medicinal Uses and Health Benefits of Rubidium

Rubidium is quite a rare trace mineral that is not very abundant in the human body. But despite its rarity and low presence in the body, it has some very important functions to perform for your health. Without further ado, let’s get straight into the uses of rubidium.

4 Medicinal Uses and Health Benefits of Rubidium

1. Helps in the prevention of diabetes: The mineral rubidium plays an essential role in the synthesis of enzymes. One such enzyme that rubidium helps to create is very essential for the proper absorption of glucose in your body.

Without rubidium to help the action of the enzyme, the glucose molecules would not be able to get absorbed efficiently, thus leading to diabetic problems.

Hence, one of the major uses of rubidium is to decrease your chances of getting diabetes.

2. Maintains hormonal balance: Studies have revealed that rubidium enhances the production of many hormones and various enzymes.

The working of the pituitary gland, as well as the salivary and lachrymal glands, is encouraged with the presence of rubidium. Thus rubidium helps to keep your hormone production balanced and also controls the excretion of required fluids from the other glands.

A hormonal imbalance can cause a lot of difficulties including, hair fall, facial hair, weight gain, infertility etc. As rubidium keeps your body’s hormonal activity in check, it can thus help to prevent such health concerns.

3. Aids in the regulation and absorption of iron: Rubidium has been shown to help regulate the flow of iron into the bloodstream, which in turn helps in better absorption of iron. When there is enough iron present in your blood, rubidium acts as a block and stops more iron from being let into the blood.

As a result, your iron level remains optimum and there is no excess iron in your blood, which could cause several health problems including hemosiderosis. When there is just the right amount of iron present in your blood, your body is not overworked and can absorb the iron most effectively.

Thus, adequate rubidium is vital to ensure that you do not get diseases related to overdose of iron.

4. Helps in depression: Initial results of medical studies have shown rubidium to be very useful in the synthesis of serotonin. It also ensures presence of enough serotonin in your body.

Serotonin is a brain chemical, in the absence of which you may suffer from mental imbalances. Serotonin deficiency has been observed in those who are depressed and they are generally given serotonin drugs to counter the depression.

Thus, as rubidium seems to e a natural serotonin booster, it can be of great help in maintaining the health of your brain, and specifically in preventing depression.

Although not much is known about rubidium as it is a rare mineral and the body contains very little of it, the above uses of rubidium make it an imperative mineral for your well being.

Sourcing the Uses of Rubidium

As rubidium is not very abundant in soil (if at all), food sources of rubidium are quite rare. In fact, a lot of the rubidium used in the United States is brought in from other countries.

Thus, the only source of rubidium for your health is rubidium supplements.

How To Choose A Rubidium Supplement

Do not buy any rubidium supplement that has ingredients such as silica, sugar, starch, artificial colors etc. Such ingredients are additives that are harmful for your body and should thus be avoided.

Buy a rubidium supplement that is made as per pharmaceutical GMP standards so as to ensure that you are getting a safe product.

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The Ideal House (Home Sweet Home)

The house was the place of the gathered and protected family from various disturbances that came from nature and from the disturbance of the bad hands.

Because of that so that we feel at home remained at home, then was needed by the atmosphere of the pleasant house.

Several characteristics of the Ideal House:

  • His atmosphere interior enjoyable.
  • The exterior had the environment that beautiful
  • The clean kitchen part
  • The clean TOILET part

In the house, the values of the family and humanity was invested in a manner for generations to the individual.

As main means of a family, the existence of the house must become main attention.

Four conditions must be met to be able to be said as the ideal and healthy house.

  1. The house interior must be enough to be available the room for parents, the child and the guest. For the tropical area, better the attic was rather high, so as the volume of air in the room was enough. Air ventilation must be good, likewise room information must be enough.
  2. The house exterior in order to have the area of the yard that was enough so as to be able to be planted the reforestation crop, the fruit, vegetables and the flower. The environment might not around the house be dirtiest pollution. Was available water facilities, electricity and continuation of the telephone. Had the road that could be passed through car to head means of the public’s service like the market, the hospital, the school and the place of religious duties.
  3. The part or the kitchen of the processor of domestic food must meet the condition for the cleanliness. In this place food was processed. When the dirty kitchen, then food that was cooked dirty also and this was dangerous for the health of the member of this house of occupants’s family.
  4. The condition for the four healthy houses was the existence of the clean TOILET.
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Comparing Apples to Apples – Hydrated Weight Vs Dehydrated Weight – Home-Dried Vs Store-Bought

In the interest of scientific research into what happens with apples when they are dehydrated, I conducted an experiment.

Actually, it was sheer curiosity that prompted the study–the apples needed drying anyway.

To proceed: 4 apples were cored and weighed before dehydration. Weights ranged from 7 ounces to 7.5 ounces. The apple slices were soaked for about 5-10 minutes in a mixture of lemon juice and water. This pretreatment helped to maintain texture and nutrients, and to prevent oxidation (the discoloration that occurs during the drying process).

Four dehydrator trays were used, with one apple per tray. This ensured a more accurate post-dehydrating apple weight. The trays were placed in the dehydrator according to the order in which the apples were weighed.

  1. Tray 1: 7.25 ounces
  2. Tray 2: 7.50 ounces
  3. Tray 3: 7.00 ounces
  4. Tray 4: 7.50 ounces

The apples were dried at a temperature of 135 degrees for approximately 13 hours. After dehydration, each apple was weighed again. The trays were removed from the dehydrator according to the order in which the apples were weighed the first time.

  1. Tray 1: 1.25 ounces*
  2. Tray 2: 1.25 ounces
  3. Tray 3: 1.00 ounces
  4. Tray 4: 1.25 ounces

*rounded to the nearest.25 ounce; actual weight was slightly less

On average, each apple lost approximately 16.22% of its original weight, with an overall loss of 16.24%. The 4 apples were divided into 9 small bags for easy packing in lunchboxes. They were stored in a crockery canister until needed.

Total cost of the apples at $1.99 per pound, cored: $3.64. The lemon juice added a negligible amount. Total cost of the dried apples: $0.77 per ounce.

How does that compare with store-bought dried apples?

There was only 1 brand to compare–surprising in such a large grocery store chain. A 2.5-ounce bag of apple chips cost $1.99, or $0.80 per ounce–a total of $0.03 less than homemade.

Before you exclaim that the saving is not worth the trouble of doing your own dehydrating, consider what you get for your money.

  1. Both the homemade and the store-bought apples were the Golden Delicious variety.
  2. The homemade apple chips consisted of apples pretreated with lemon juice and water.
  3. The store-bought apple chips consisted of apples; safflower, sunflower, and/or canola oil; corn syrup; sugar; dextrose; citric acid; ascorbic acid; malic acid; and natural flavor.

What’s in your lunchbox?

Disclaimer: Because the subjects used in this study were very limited, any conclusions may be inapplicable to other situations. Results will vary, depending on the amount of juice left in the apples, the brand(s) available for comparison, and the price of apples in your area.

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5 Online Marketing Questions to Answer in the New Year

With the new year here, it is safe to say that you have a lot of hope for the future of your business. While there are sure to be challenges in 2015, if you play your cards right you know you are in position to do big things.

You don’t want to wait any longer to settle on your marketing strategy for the new year. If you are still lagging behind in this area of your business, here are five questions to answer without delay:

  1. What worked for you, in terms of marketing, in 2014? Once you know the answer to this question, you should implement a plan that allows you to take advantage of more of the same in 2015.
  2. What didn’t work for your business last year? It is safe to say that some of your marketing tactics flopped. There is nothing wrong with this, as long as you don’t repeat the same mistakes in the future. You don’t want to continually waste time and money on strategies that don’t generate results.
  3. Do you have any new ideas to experiment with? It is always a good idea to keep an open mind when it comes to the marketing strategy of your company. If you neglected to experiment with new ideas last year, now is the time to change your way of thinking.
  4. Are you taking advantage of social media? This is one of the most powerful ways to market your company and reach a large audience. Twitter, Facebook, Instagram, and LinkedIn are just a few of the many social media services to focus on. You don’t want to neglect this area of online marketing any longer.
  5. Do you need help? Some companies have enough people on staff to handle all marketing related tasks. Others, however, need to reach out for assistance. There are individuals and companies that can help with everything from content creation to social media management and much more.

It may take some time to answer these questions, among others, so there is no reason to be in a rush. As long as you are searching for answers and moving forward, you will eventually end up in a good place.

You have the entire year ahead of you, so now is the time to settle on a marketing plan that you can trust. Answering the questions above will help you move forward in a confident and strong manner.

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Understanding Pruvit: Can You Really Make Money With Pruvit?

Pruvit was first registered in 2013 and offers a product line designed to help your body reach ketosis, giving you the ability to lose up to one pound per day, raise your IQ, and increase your energy. In addition to offering a product in which help your body enter ketosis, Pruvit also offers a business or income opportunity giving you the ability to make money from home marketing their product and company. First, what is ketosis exactly? Simply put, Ketosis is a condition your body is able to enter allowing you to burn fat rapidly and increases your metabolism. However, can you really make money marketing Pruvit’s company or their product?

The Thing: Most companies similar to Pruvit have a wide variety of products and many of them. However, Pruvit has only one product. They have based their entire company around this product and have scientifically worked to design this product to work to the best of its abilities.

  1. KETO//OS (Ketone Operating System) – This product is the sole of Pruvit’s product line. It’s essentially a drink mix with ketone energy technology designed to provide the body with macro nutrients giving your body the ability for cellular regeneration and stability along with enhancing the body of energy and focus and most importantly, burning fat and increasing your metabolism. You are able to get 15 servings of this drink mix for $85.00, being the minimum amount and price, and 75 servings for $350.00. You simply have to dissolve a pack of this product into cold water and shake it up insanely!

This product is supposed to do a good amount of things, here’s a few:

  • Provide rapid fat loss
  • Allow your body to passively gain strength
  • Allow your body better digestion
  • Increase your focus and energy
  • Allow you to enjoy better sleep
  • Provide your body with clearer, more healthy skin
  • Put you into a better mood overall
  • Increase brain activity

The Opportunity: In order to understand if people are able to actually make money from marketing Pruvit’s company or products, we have to take a look at their Compensation Plan. A compensation plan is simply how companies pay their members; every company in the entire world has one! Some pay minimum wage, others pay salary, and companies similar to Pruvit do it much differently.

There are around 5 different types of payouts that Pruvit offers in addition to 14 sub-payouts in each major type, such as Kick-Off Rewards(First 30 Days), Leadership Rewards, GamePlay Rewards, Partner Rewards, and Residual Rewards, we will examine only a few of the sub-payouts. I am going to try to keep this simple while still providing the information needed to know.

  1. Go Pro Bonus (Kick-Off Rewards) – Within your first 30 Days of being involved with Pruvit’s business or income opportunity you can receive a payout depending on your Personal Team Volume as well as your Team Volume. The higher those are, the more you get paid.
  2. Go Fast Bonus (GamePlay Rewards) – This payout is weekly, however, the promoter or distributor can apply for daily payouts as well provided they are experiencing great success. The Go Fast Bonus pays the enrolling or selling promoter for the first order place by other promoters of distributors that they have Personally enrolled.
  3. Dream Team Bonus (Leadership Rewards) – For members that have reached Rank 8, they have the ability to earn this annual bonus from other promoters/distributors’ that they have personally enrolled in which contribute to Team Volume. To keep it simple, if a promoter enrolls someone personally, and that someone contributes to Team Volume by purchasing product, the enrolling promoter gets a yearly payout. Keep in mind, in order to achieve this type of payout, you must reach rank 8. By the time you reach Rank 8, you will have much more than just one promoter in which you have personally enrolled, therefore, the payout could be quite enormous.

To Conclude, Yes, you Can make money by marketing the company Pruvit or their product.

The Cost: If you would like to get involved or affiliated with Pruvit’s business or income opportunity, you have to understand how much money that is going to take. Understand that this is a way for you to create a business all from home. If you were to create a Construction Company, you would need to pay a certain amount to get started. With that being said, don’t be discouraged to not join the company with that one reason alone. Opening a business requires money!

VIP Launch – In order to get affiliated with Pruvit and begin making money from home by marketing their company or products, you must purchase their VIP Launch Package for $350.00. If you become a VIP member of the company you will be able to get discounts on their product. For 15 Servings you will only pay $76.00 rather than the previous $85.00 and for the 75 Servings product you will only pay $133.00 rather than $350.00.

My Conclusion: Pruvit offers a product designed to strike your body into ketosis rather rapidly to increase your metabolism and burn fat. The product is unique but kind of pricey. They offer a business/income opportunity for those that would like to market their products or company. This opportunity has several different types of payouts and yes, you definitely Can make money from being successful by referring members into the business or by marketing their products and generating sales. The cost is pretty cheap, which makes sense. Most companies with a Start-Up cost are either cheap or expensive depending on how lucrative their compensation plan is. The compensation plan that Pruvit offers is nice but is going to require a good amount of work in order to start receiving huge payouts.

*Dustin Hale is NOT affiliated with Pruvit or their business/income opportunity

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The Critical Illness Insurance Market

In my previous article: Five Steps to Critical Illness Sales Success the first step was to identify your target market. With your target identified you can begin to list the various objectives that can be achieved with the use of a critical illness insurance policy. Some potential markets are:

  •  Self employed individuals
  •  The family market / Single parents
  •  The group insurance marketplace
  •  High income earners

While there may be some overlap in ultimate objectives the reasoning behind the objectives will differ. It is impossible to launch an effective marketing campaign without understanding your target market’s goals. And without a specified target market it is impossible to fill your calendar with high quality prospects.

The Self Employed

Perhaps no other target market needs Critical Illness Insurance more than the self-employed individual. Unlike an employee of a larger company this individual has no employee benefits other than what he purchases for himself. The objectives of this market segment may include: income replacement, money to hire a temporary replacement employee, money to pay routine business expenses, major medical gap coverage and freedom from managed care restraints. It is important to recognize that the self-employed individual most likely does not have disability income protection whether income protection or overhead expense. The Critical Illness Policy is a viable and less expensive alternative to disability income.

The Group Insurance Market

This marketplace offers numerous Critical Illness Insurance applications. Depending on the group size that you target some of the objectives might be: expansion of voluntary benefits, medical gap plan, executive benefits and expansion of employer-paid benefits. This market is more complicated than other markets because you may have to understand the objectives not only of the employer but that of the employees as well. While the employer must approve Critical Illness Insurance as a voluntary benefit, the producer will still need to understand the objectives of the employees to have a successful enrollment. To open a discussion of Critical Illness Insurance as an executive benefit it is important to understand the value to the executive. The employer market may have numerous challenges but it can be one of the most profitable.

High Income Earners

This category includes doctors, lawyers, consultants and other professionals with incomes above $250,000 annually. These individuals tend to have disability income protection but are limited in the percentage of their income that can be protected. Critical Illness Insurance can ensure that they do not have to deplete their savings and investments in the event that they are disabled by a covered illness. Individuals in this category tend to be less concerned with the potential out-of-pocket expenses that may be incurred then they are about protecting their financial future.

The Family Market / Single Parents

The need for Critical Illness Insurance here should be obvious. For working Americans, whether in a traditional family or as a Single Parent the need for cash when a family member is diagnosed with a critical illness cannot be overstated. The income replacement needs are far in excess of what disability income can protect. Parents want to be with their children should there be diagnosis of cancer, spouses want to be with each other when a critical illness strikes and everyone wants the freedom to seek out-of-network treatment when it is their best interest. Regardless of whether it is a $10,000 policy or a $100,000 policy there will be tremendous financial freedom for the family.

It should be obvious that there is a lot of opportunity in the marketing of Critical Illness Insurance. But beyond the sales opportunities is the chance to really make a difference in the life of an individual.

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What Is Fusion Music?

What is fusion music? Well, you don’t have to be an atomic scientist to understand fusion music. Let’s look at a basic definition of fusion; ‘the union of different things by or as if by melting; blending; coalition.’ This definition is from the New World Dictionary of the American Language, Second College Edition. So, in music, different musical elements, often from different musical genres are put together. Here are some examples of fusion music;

  • Reggae Rock
  • Rap Rock
  • Jazz Fusion
  • Gypsy Punk
  • Gypsie Jazz
  • Folktronica
  • Folk Metal
  • Folk Punk
  • Celtic Punk
  • Country Rap

From most of these titles, you can see what genre has been mixed with what other genre; ‘Country Rap’ is obviously Country Music mixed with Rap Music and ‘Folk Punk’ is Folk Music mixed with Punk Music. This is only a partial list, of course, since the combinations are pretty much unlimited. Being of Germanic heritage, I have attended a number of Oktoberfests and heard ‘Umpah Bands’ playing rock songs. One of the more successful types of fusion music is Country Rock.

Another term applied to fusion music is ‘cross-over.’ You have probably heard the term ‘Cross-Over Hit,’ referring to a song that captured the attention of listeners in different genres of music. Fusion music often originates from the desire of a band to reach a broader audience but it can also come from the effort to establish a unique or new sound.

Most musical artists who have stood out have had a unique sound of their own and this is actually the end product of this fusion process we are talking about. Whereas some fusion efforts are very obvious, that is to say they have combined a very identifiable musical element with another very identifiable musical element, some fusion processes are much more subtle and involve a larger number of musical elements.

To illustrate this point, I will share a short story of when I heard a lecture by the late, great author Ray Bradbury. He knew that he was addressing an audience of young writers and he said, quite simply, if you want to be a writer, you just read and read and read and it starts coming back out. Somehow, I understood just what he was saying which was that, in being a writer, you don’t shut yourself off in an ivory tower but you get as much exposure as possible to the writings of other authors and then this starts to come across in a mix that reflects your own personality.

You can take just about any great musical artist and trace his personal favorite musical artists in his music. In Beethoven, for example, we can find Mozart, Haydn, Handle and Bach, not ripped off verbatim, but present stylistically in the mix that is uniquely Beethoven. When we really look, we see that no musical genre has popped out of the blue but is a product what is fusion music.

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