5) Complete Your Screen Print Artwork - Follow artwork specifications. - Send physical copy of artwork or send file to vendor’s FTP site. Inform your sales or customer service representative when sending a file to their FTP site. - Supply color and specification information along with a hard copy of your artwork or e-mail a PDF of artwork to your sales or customer service representative. Be sure to include all fonts that are a part of your project. - Include e-mail address where PDF proof should be sent. - Approve verifications quickly, while still being thorough.

6) Send Vendor Your Materials - Customer-supplied printed materials should arrive at least three days prior to projected ship date. Some vendors require 15 percent overage of all printed materials. - A packing slip should accompany all customer-supplied materials. A purchase order number or job number must appear on packing slip.

With several insurers offering a variety of investment-linked insurance products, it is now possible for an insurance policy holder to enjoy protection and at same time to invest solely in one fund or a combination of funds, subject to certain limitations, such as a minimum of 20% of his investment in each fund selected. An insurance policy holder may switch his investment between funds when his investment objectives change. 

As an example, an Income Fund which is managed by a company's in-house fixed-income investment team comprising individuals with more than 20 years of experience in financial sector. This fund is suitable for policy owners seeking stability of principal and a higher return compared to bank deposits but with acceptable risk to capital invested. The fund is principally invested in fixed-income securities, treasury products, money market instruments, collective investment schemes, and any other permissible instruments or investments prescribed by relevant regulatory bodies to provide a steady return to policy owners through accumulation of capital over long-term.

Without existence of investment-linked products, one may disagree with phrase and may not "buy term and invest difference" but instead to take up a traditional participating life insurance product that provides life protection with an element for investment. The premium may be higher but it leads to wealth creation for future. 

YS Koh is an independent Certified Financial Planner and a licensed financial investment broker by practice. She writes often and provides insights and viewpoints for her blog "Life Insurance Information Portal" (http://get-term-life-insurance-info.blogspot.com)