A critical factor in personal happiness appears to be marriage — or at least a monogamous sexual relationship. A widowed or divorced person would have to make an extra $100,000 a year to be as happy as a comparable married person, Blanchflower and co-author Andrew Oswald estimated.Blanchflower and Oswald also looked at surveys of sexual activity and found that in general, “The more sex, the happier the person.”
“People who have no sexual activity are noticeably less happy than average,” they declared.
No wonder!! no wonder I'm not happy, and ahem, that i have many depressed female friends. Depressed ladies, look no further! email me here!
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A friend of mine emailed me the story below. Kinda interesting, although I feel that the article, or rather, the association misses out a strong point. A lot of people invests in Whole Life insurnace as a retirement tool. And parents build life insurance for kids as a saving and investment tools. And wealthy people loves to use insurance as part of their assets portfolio.
So yah, batman would build a large insurance coverage, although if I am the underwriter, i will decline his case lor. knn, fly here fly there, sure die soon one...
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Who needs life insurance most?
Jack Naudi St. Louis Post-Dispatch
Source: St. Louis Post-Dispatch (KRT)
Date: October 04, 2005
Oct. 4--Batman risks his life almost every day. Fred Flintstone doesn't.
So, which one needs life insurance more?
In a recent survey, more people chose the unmarried, wealthy Bruce Wayne over the working class, Stone-Age husband and father. And that choice, say insurers, is dead wrong.
Silly on the surface, the survey conducted by the Life and Health Insurance Foundation for Education conveyed a serious message: Most people don't know whether life insurance is right for them.
In the survey, released last week, more than 1,000 people were asked which of five fictional characters needed life insurance the most.
Respondents placed Spiderman first, followed by Batman, Fred Flintstone, Harry Potter and Marge Simpson.
The Life and Health Insurance Foundation issued those results with a news release titled: "Holy cow Batman! Americans think superheroes need life insurance more than moms and dads."
David Woods, president of the Washington-based foundation, said that without question, family-man Fred Flintstone would need life insurance more than the rest.
As the sole breadwinner, Fred's death would have a much greater economic effect than the demise of the others, Woods said.
Daigle said the right answer was simple. "The only one I see that jumps out is Fred Flintstone. He's married, and he's got a young child."
The most distressing ranking in the survey, Woods said, was Marge Simpson's spot at the bottom of the list. Undervaluing the economic importance of a stay-at-home spouse, Woods said, "is a huge problem."
"What would have to be replaced if she died?" Woods said. "Would there have to be day care? Would there have to be cleaning services? Would somebody have to do the shopping?"
By Daigle's reckoning, Marge is worth probably $3,000 a month to the Simpson household. With one rule of thumb saying life insurance should pay for 10 years of lost income, Daigle said the Simpsons need about $360,000 of life insurance for Marge, mother of three.
It's likely that Spiderman needs insurance, but perhaps not for the reasons considered by respondents, insurance experts said. His alter ego, Peter Parker, supports an aging aunt who would be financially devastated by Spidey's death.
Woods said he did not judge the survey respondents too harshly for putting Spiderman at No. 1. "He's swinging from buildings; I understand it," he said. "Good Lord, he's in trouble all the time."
But the need for life insurance has little in common with the dangers of a person's profession, Woods said. "The test always is that if somebody is dependent on you financially, then you better take a hard look at whether you need life insurance."
Two characters on the list don't need life insurance, Woods said: Harry Potter, a child, and the wealthy Batman. "Batman, being a single guy, he doesn't need money for a family," said Daigle, adding that Bruce Wayne's wealth was "irrelevant" to whether he needed life insurance.
Spiderman, 28 percent of survey respondents
David Woods, president, Life and Health Insurance Foundation: "Peter Parker probably needs life insurance to ensure that if his super powers ever failed him and he died, his aunt could stay in their home and be cared for."
Batman, 18 percent
Woods: "Batman doesn't have anyone who depends on him financially and therefore probably doesn't need life insurance."
Fred Flintstone, 16 percent
Woods: "Fred has a pressing need for life insurance to ensure that Wilma and Pebbles could maintain their standards of living if he were no longer able to provide for them."
Harry Potter, 15 percent
Woods: "A full-time student with no siblings or parents who might be affected financially by his premature death, Harry Potter doesn't have a need for life insurance."
Marge Simpson, 11 percent
Woods: "Stay-at-home parents like Marge perform many household services that would expensive to replace, and consequently have a significant need for life insurance."
Note: 13 percent did not know
KRviaNewsEdge
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