Ratings For Life Insurance Quotes

Music is not a fucking soda. It is not a fucking insurance rate. It is not a fucking T-shirt. It is the only real religion that is worth devoting your soul to. It is the last remnant of the primal scream, the funeral dirge, and the wedding march. It is the light that keeps me out of the shadows, and it is the reason my immortal soul is not in dire straits.

From 2002 to 2008, the United States was fighting bloody wars in Afghanistan and Iraq; among active military personnel, there were an average 1,643 fatalities per year. But over the same stretch of time in the early 1980s, with the United States fighting no major wars, there were more than 2,100 military deaths per year. How can this possibly be? For one, the military used to be much larger: 2.1 million on active duty in 1988 versus 1.4 million in 2008. But even the rate of death in 2008 was lower than in certain peacetime years. Some of this improvement is likely due to better medical care. But a surprising fact is that the accidental death rate for soldiers in the early 1980s was higher than the death rate by hostile fire for every year the United States has been fighting in Afghanistan and Iraq. It seems that practicing to fight a war can be just about as dangerous as really fighting one. And,

When a society is industrialized, a peasant becomes a worker, a feudal lord is liquidated or becomes a businessman. When classes rise or fall a man is employed or unemployed; when the rate of investment goes up or down, a man takes new heart of goes broke. When wars happen, an insurance salesman becomes a rocket launcher; a store clerk, a radar ma; a wife lives alone; a child grows up without a father. Neither the life of an individual nor the history of a society can be understood without understanding other. - pg 3

The murder of poor Albert Snyder had one other unusual feature: the people responsible were caught. That didn’t actually happen much in America in the 1920s. New York recorded 372 murders in 1927; in 115 of those cases no one was arrested. Where arrests were made, the conviction rate was less than 20 percent. Nationally, according to a survey made by the Metropolitan Life Insurance Company—and it is notable that the best records were kept by insurers, not police authorities—two-thirds of America’s murders were unsolved in 1927.

실시간 정품인증가능합니다... 필요하신분들은 언제든 연락주세요^^ 사이트문의~홈피:hp2345.0pe.kr 카톡↔ghb8 ☎ 사이트문의~홈피:hp2345.0pe.kr 카톡↔ghb8 ☎ 사이트문의~홈피:hp2345.0pe.kr 카톡↔ghb8 ☎ 사이트문의~홈피:hp2345.0pe.kr 카톡↔ghb8 ☎ 사이트문의~홈피:hp2345.0pe.kr 카톡↔ghb8 ☎ 사이트문의~홈피:hp2345.0pe.kr 카톡↔ghb8 ☎ Lee was indicted on charges of driving a van near Cheonan Nadulmok on the Gyeongbu Expressway at 3:41 a.m. on Aug. 23, 2014, when he hit a truck parked on a shoulder road. His seven-month-old pregnant wife (then 24-year-old) died. Lee's wife had an insurance contract worth 9.5 billion won. So far, the combined delayed interest rate has exceeded 10 billion won. The court's judgment was widely mixed. The first trial acquitted him of the crime, saying, "Indirect evidence against the accused cannot prove the crime," and the second trial sentenced him to life imprisonment, saying, "The indictment is recognized given that he bought an additional 3 billion won in insurance two months before the accident." In May 2017, the Supreme Court sent the case back to the Daejeon High Court with the intent of innocence, saying, "The motive for the crime should be clearer, but it is not.

DECALOGUE, n. A series of commandments, ten in number—just enough to permit an intelligent selection for observance, but not enough to embarrass the choice. Following is the revised edition of the Decalogue, calculated for this meridian. Thou shalt no God but me adore: 'Twere too expensive to have more. No images nor idols make For Robert Ingersoll to break. Take not God's name in vain; select A time when it will have effect. Work not on Sabbath days at all, But go to see the teams play ball. Honor thy parents. That creates For life insurance lower rates. Kill not, abet not those who kill; Thou shalt not pay thy butcher's bill. Kiss not thy neighbor's wife, unless Thine own thy neighbor doth caress Don't steal; thou'lt never thus compete Successfully in business. Cheat. Bear not false witness—that is low— But "hear 'tis rumored so and so." Cover thou naught that thou hast not By hook or crook, or somehow, got.

At the same time, surveillance will change the very nature of insurance. Insurance is an industry, traditionally, that draws on the majority of the community to respond to the needs of an unfortunate minority. In the villages we lived in centuries ago, families, religious groups, and neighbors helped look after each other when fire, accident, or illness struck. In the market economy, we outsource this care to insurance companies, which keep a portion of the money for themselves and call it profit. As insurance companies learn more about us, they’ll be able to pinpoint those who appear to be the riskiest customers and then either drive their rates to the stratosphere or, where legal, deny them coverage. This is a far cry from insurance’s original purpose, which is to help society balance its risk. In a targeted world, we no longer pay the average. Instead, we’re saddled with anticipated costs. Instead of smoothing out life’s bumps, insurance companies will demand payment for those bumps in advance. This undermines the point of insurance, and the hits will fall especially hard on those who can least afford them.

Kim was twenty-three, single, on her own, and at a job making $27,000 per year. She had recently started her Total Money Makeover. She was behind on credit cards, not on a budget, and barely making her rent because her spending was out of control. She let her car insurance drop because she “couldn’t afford it.” She did her first budget and two days later was in a car wreck. Since it wasn’t bad, the damage to the other guy’s car was only about $550. As Kim looked at me through panicked tears, that $550 might as well have been $55,000. She hadn’t even started Baby Step One. She was trying to get current, and now she had one more hurdle to clear before she even started. This was a huge emergency. Seven years ago George and Sally were in the same place. They were broke with new babies, and George’s career was sputtering. George and Sally fought and scraped through a Total Money Makeover. Today they are debt-free, even their $85,000 home. They have a $12,000 emergency fund, retirement in Roth IRAs, and even the kids’ college is funded. George has grown personally, his career has blossomed, and he now makes $75,000 per year while Sally stays home with the kids. One day a piece of trash flew out of the back of George’s pickup and hit a car behind him on the interstate. The damage was about $550. I think you can see that George and Sally probably adjusted one month’s budget and paid the repairs, while Kim dealt with her wreck for months. The point is that as you get in better shape, it takes a lot more to rock your world. When the accidents occurred, George’s heart rate didn’t even change, but Kim needed a Valium sandwich to calm down. Those true stories illustrate the fact that as you progress through your Total Money Makeover, the definition of an emergency that is worthy to be covered by the emergency fund changes. As you have better health insurance, disability insurance, more room in your budget, and better cars, you will have fewer things that qualify as emergency-fund emergencies. What used to be a huge, life-altering event will become a mere inconvenience.

Some of these tasks are interesting. Tinkering with machines is fun. Marketing decisions, especially how to manage the Web site and AdWords, are an intellectual challenge. Some are unpleasant but lead to a satisfying conclusion, like nagging customers for past-due payments. (They've always paid me, eventually.) Some are frightening, I can change an employee's life with my decisions about pay rates and whether to hire and fire. And many are just aggravating: the taxes, insurance purchases, legal issues, and some of the employee interactions. Each layer of government, each enormous and indifferent private bureaucracy, requires its own special knowledge: the right form filled out the correct way and filed at the right time. Learning how to complete on type of tax filing tells you nothing whatsoever about how to fill out the next form. One health insurer presents a quote one way, another in an entirely different way, and both require extensive study to determine the best choice. It's like stepping back to an old, old world where every tree, every rock, every stream is inhabited by its own resident spirit, and each needs to be mollified in the correct manner. Or very bad things happen. I didn't start my company to do any of this. I had no idea, when I decided that I would make furniture in exchange for money, that this was in my future. And the strange universe of administration expands as the company grows.

The pressure on life businesses and the capital fears prompted by the 2008 crisis have prompted the industry to build bigger capital cushions and cut costs. This has left insurers in a relatively good position. Investors have enjoyed decent dividends with payouts increasing by a cumulative 70% since 2009, according to FactSet. For shareholders, the risks to returns from life insurance have, so far, been balanced by earnings from nonlife insurance and asset management. Germany’s Allianz has U.S. bond house Pacific Investment Management Co. and nonlife insurance businesses, like property and casualty cover, around the world. Pimco has done well as interest rates declined and bond prices rose, but is expected to suffer once rates rise again—especially since founder Bill Gross walked out. France’s Axa similarly has global nonlife businesses and a large investment manager. However, these businesses ultimately will suffer from low investment returns. In nonlife, insurers can combat this with tougher underwriting standards. But demand for property-type insurance also suffers in a slower economy. Allianz has the lowest financial leverage of the big-three eurozone life insurers, and so has more flexibility to look for higher returns abroad. It also has a substantial general insurance business in the U.S., where rates should head higher sooner, and a higher expected dividend yield than France’s Axa or Italy’s Generali for this year and next.

Say Bank A is holding $10 million in A-minus-rated IBM bonds. It goes to Bank B and makes a deal: we’ll pay you $50,000 a year for five years and in exchange, you agree to pay us $10 million if IBM defaults sometime in the next five years—which of course it won’t, since IBM never defaults. If Bank B agrees, Bank A can then go to the Basel regulators and say, “Hey, we’re insured if something goes wrong with our IBM holdings. So don’t count that as money we have at risk. Let us lend a higher percentage of our capital, now that we’re insured.” It’s a win-win. Bank B makes, basically, a free $250,000. Bank A, meanwhile, gets to lend out another few million more dollars, since its $10 million in IBM bonds is no longer counted as at-risk capital. That was the way it was supposed to work. But two developments helped turn the CDS from a semisensible way for banks to insure themselves against risk into an explosive tool for turbo leverage across the planet. One is that no regulations were created to make sure that at least one of the two parties in the CDS had some kind of stake in the underlying bond. The so-called naked default swap allowed Bank A to take out insurance with Bank B not only on its own IBM holdings, but on, say, the soon-to-be-worthless America Online stock Bank X has in its portfolio. This is sort of like allowing people to buy life insurance on total strangers with late-stage lung cancer—total insanity. The other factor was that there were no regulations that dictated that Bank B had to have any money at all before it offered to sell this CDS insurance.

​Try it in the last hundred years or so and you’ll find the lack of National Insurance number, ID card, or credit rating means you’re officially a non-person and after America closed its borders last year, all sorts of security alarm bells start ringing. ​Or, you think you’ll go back a little further before all these tiresome records were invented, but that doesn’t work either. Society is rigid. Everyone knows everyone else in their world. Everyone has their place in the scheme of things. If you don’t belong to a family, a tribe, a village, a guild, whatever, you don’t exist then, either. And you can’t just pitch up somewhere without mutual acquaintances, recommendations, or letters of introduction. Life on the fringes of society, any society in any time is tough. I should know.

The pandemic of 1918–1919 was clearly one of influenza, except in two of its features. One, it killed more humans than any other disease in a period of similar duration in the history of the world. Two, it killed an unprecedentedly large proportion of the members of a group who, according to records before and since, should have survived it with no permanent injury. The year 1918 was an actuarial nightmare: the flu and pneumonia death rate of life insurance policy holders over 45 and 50, for whose deaths the insurance companies were at least partly prepared, did, of course, rise, but only slightly as compared to the rate of young adults, whose deaths in great numbers no insurance company anticipated.16

Suddenly, at a time when medicine had more of value to offer, tens of millions of people were interested in gaining access and expected their employers to provide insurance so they could do so. For-profit insurance companies moved in, unencumbered by the Blues’ charitable mission. They accepted only younger, healthier patients on whom they could make a profit. They charged different rates, depending on factors like age, as they had long done with life insurance. And they produced different types of policies, for different amounts of money, which provided different levels of protection.

US hospitals may be excellent, but there must be something profoundly wrong with our health care system if we fall near the bottom of the heap among developed nations on life expectancy, infant mortality, maternal mortality, self-reported health, obesity, drug overdoses, suicide, homicides, disability rates, traffic deaths, almost any indicator you can think of. Lack of access to medical care deserves much of the blame, but even educated, insured, well-off Americans are less healthy than their peers in other rich nations

Americans. All had good credit ratings, and banks were willing to issue mortgages if the FHA would approve. But the agency stated that “no loans will be given to colored developments.” When banks told the real estate agent that without FHA endorsement they would not issue the mortgages, he approached the Prudential Life Insurance Company, which also said that although the applicants were all creditworthy, it could not issue mortgages unless the FHA approved. Today, Fanwood’s population remains 5 percent black in a county with a black population of about 25 percent.

Here’s an example from the test Marty and his students developed to distinguish optimists from pessimists: Imagine: You can’t get all the work done that others expect of you. Now imagine one major cause for this event. What leaps to mind? After you read that hypothetical scenario, you write down your response, and then, after you’re offered more scenarios, your responses are rated for how temporary (versus permanent) and how specific (versus pervasive) they are. If you’re a pessimist, you might say, I screw up everything. Or: I’m a loser. These explanations are all permanent; there’s not much you can do to change them. They’re also pervasive; they’re likely to influence lots of life situations, not just your job performance. Permanent and pervasive explanations for adversity turn minor complications into major catastrophes. They make it seem logical to give up. If, on the other hand, you’re an optimist, you might say, I mismanaged my time. Or: I didn’t work efficiently because of distractions. These explanations are all temporary and specific; their “fixability” motivates you to start clearing them away as problems. Using this test, Marty confirmed that, compared to optimists, pessimists are more likely to suffer from depression and anxiety. What’s more, optimists fare better in domains not directly related to mental health. For instance, optimistic undergraduates tend to earn higher grades and are less likely to drop out of school. Optimistic young adults stay healthier throughout middle age and, ultimately, live longer than pessimists. Optimists are more satisfied with their marriages. A one-year field study of MetLife insurance agents found that optimists are twice as likely to stay in their jobs, and that they sell about 25 percent more insurance than their pessimistic colleagues. Likewise, studies of salespeople in telecommunications, real estate, office products, car sales, banking, and other industries have shown that optimists outsell pessimists by 20 to 40 percent.

Nearly 40,000 people died in U.S. traffic accidents in 1950. That’s roughly the same number of deaths as today, but a straight-up comparison is very misleading, because far fewer miles were driven back then. The rate of death per mile driven was five times higher in 1950 than it is today.

Flight, hotel and insurance aggregator websites understand that friction can create value. They found that faster search times on their websites often resulted in fewer sales. They now artificially increase search times and show all the sites they’re searching in an attempt to convince you that they’ve done a thorough search, so you don’t have to look elsewhere. This tactic has resulted in more sales, better retention and higher customer-return rates.

We do this because a century and a half ago we embraced business as the dominant model for our outer and inner lives. Ours is an ideology of achieved identity; obligatory striving is its method, and failure and success are its outcomes. We reckon our incomes once a year but audit ourselves daily, by standards of long-forgotten origin. Who thinks of the old counting house when we "take stock" of how we "spend" our lives, take "credit" for our gains, or try not to end up "third rate" or "good for nothing"? Someday, we hope, "the bottom line" will show that we "amount to something." By this kind of talk we "balance" our whole lives, not just our accounts. Willy Loman speaks this way. Choosing suicide to launch his sons with insurance money, he asks, "Does it take more guts to stand here the rest of my life ringing up a zero?" He insists that a man is not a piece of fruit to be eaten and the peel discarded, but he does not see that a man is not a cash register.'°

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Global Insurance Travel Medical Coverage GeoBlueAffiliate Available for PrestigeCare Private Health Advisory Members GeoBlue Voyager Global Insurance for Single-Trip International Travel travel insurance Global insurance health coverage may be the last thought we have when planning a trip to another country. Most people do not even realize that while traveling, your current medical insurance can be useless in some countries or that your usual over-the-counter medications are prohibited in many locations. Protect Your Health Around the World. What is GeoBlue VoyagerSM? Short-term travel medical insurance for U.S. residents traveling abroad. Why Choose GeoBlue? Strength of a U.S. Insurer Underwritten by 4 Ever Life Insurance Company, rated A- (Excellent) by A.M. Best. 4 Ever Life is an independent licensee of the Blue Cross and Blue Shield Association. Better Coverage: Our plans are U.S. licensed and feature coverage more generous than plans sold as “surplus coverage.” Our plans do not restrict illnesses or injuries resulting from a terrorist act. We do not impose precertification penalties for hospitalization. We provide coverage for pre-existing conditions for medical evacuation. Pre-existing conditions are also covered in all instances by our Choice plan. A Better Kind of Care: International travelers can leave home feeling confident that a trusted source of care is available at a moment’s notice - no matter what town, country or time zone, with global insurance. Travel anywhere knowing that if your health is a concern, getting good care is not. Global insurance coverage is available through PrestigeCare Private Health Advisory's affiliate partner, GeoBlue. You will have access to short-term global insurance health coverage options that best suit your needs while traveling. Just another way PrestigeCare Private Health Advisory looks out for all your health and wellness needs.* At PrestigeCare, we provide health solution services. *Up to $250,000 of coverage available through our affiliated partner for an unlimited number of trips of a maximum of 30 days in duration.

If your company has any credible strategy for providing equity-based returns with muted volatility, you have not just a value proposition, but one of the most important value propositions of our time.... What's the concept in an operating real estate REIT? Operating real estate (as distinct from net leases or mortgages, which are other financing concepts) has the potential to produce equity-like long-term returns, but isan extremely powerful diversifier, in that real estate correlates positively with inflation while stocks and bonds correlate negatively with it. Inflation, with it attendant higher interest rates, chokes off new supply of real estate: new expensive to build, to expensive to finance at prevailing market rents. When new supply dwindles, normal growth absorbs the available space and puts upward pressure on rents, increasing cash flows to the owners... until rents get to a point where new construction pencils out again. (Meanwhile, in an inflation/interest rate flareup of any consequence, stocks and bonds are usually getting hit, and sometimes hit hard.) This, to me, is a trifecta of a conceptual value proposition: (a) the potential for the equity-like long-term returns investors need, (b) historically correlated positively with inflation, unlike all financial assets, and (c) just when you think this story can't get better, with 90% of available income paid out currently to income-starved investors.... What's the concept for variable life insurance? It's certainly the least expensive long-term form of life insurance, in that, as the investment portion grows, it extinguishes the insurance company's exposure. (As Ben Baldwin gnomically and brilliantly observes, 'All insurance is term insurance.') It may also be, in a given situation, the cheapest way of funding an estate tax liability, leaving the maximum legacy to one's heirs. And, of course, if the ownership is vested in an insurance trust, one may (under current law at this writing) be bequeathing wealth without income or estate taxation. As long as there is an estate tax - any estate tax - there will be a financial planning issue in the life of every affluent household/family: how do you want the heirs to pay it? And it seems likely that, conceptually, VUL will always be an answer.... Small cap equities? The concept is, clearly, higher returns with - and precisely because of - their higher volatility.

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Many in the proudly working-class city of Liverpool were pleased to find that the Swabian’s convictions echoed their own. ‘I wouldn’t call myself very political but I’m on the left, of course. More left than the middle,’ Klopp told taz in 2009. ‘I believe in the welfare state, I don’t mind paying for health insurance. I’m not privately insured, I would never vote for a party because they promised to lower the top tax rate. My political understanding is this: if I’m doing well, I want others to do well, too. If there’s something I’ll never do in my life it’s voting for the right.

Imagine that you have to break someone’s arm. Right or left, doesn’t matter. The point is that you have to break it, because if you don’t…well, that doesn’t matter either. Let’s just say bad things will happen if you don’t. Now, my question goes like this: do you break the arm quickly — snap, whoops, sorry, here let me help you with that improvised splint — or do you drag the whole business out for a good eight minutes, every now and then increasing the pressure in the tiniest of increments, until the pain becomes pink and green and hot and cold and altogether howlingly unbearable? Well exactly. Of course. The right thing to do, the only thing to do, is to get it over with as quickly as possible. Break the arm, ply the brandy, be a good citizen. There can be no other answer. Unless. Unless unless unless. What if you were to hate the person on the other end of the arm? I mean really, really hate them. This was a thing I now had to consider. I say now, meaning then, meaning the moment I am describing; the moment fractionally, oh so bloody fractionally, before my wrist reached the back of my neck and my left humerus broke into at least two, very possibly more, floppily joined-together pieces. The arm we’ve been discussing, you see, is mine. It’s not an abstract, philosopher’s arm. The bone, the skin, the hairs, the small white scar on the point of the elbow, won from the corner of a storage heater at Gateshill Primary School — they all belong to me. And now is the moment when I must consider the possibility that the man standingbehind me, gripping my wrist and driving it up my spine with an almost sexual degree of care, hates me. I mean, really, really hates me. He is taking for ever. His name was Rayner. First name unknown. By me, at any rate, and therefore, presumably, by you too. I suppose someone, somewhere, must have known his first name — must have baptised him with it, called him down to breakfast with it, taught him how to spell it — and someone else must have shouted it across a bar with an offer of a drink, or murmured it during sex, or written it in a box on a life insurance application form. I know they must have done all these things. Just hard to picture, that’s all. Rayner, I estimated, was ten years older than me. Which was fine. Nothing wrong with that. I have good, warm, non-arm-breaking relationships with plenty of people who are ten years older than me. People who are ten years older than me are, by and large, admirable. But Rayner was also three inches taller than me, four stones heavier, and at least eight however-you-measure-violence units more violent. He was uglier than a car park, with a big, hairless skull that dipped and bulged like a balloon full of spanners, and his flattened, fighter’s nose, apparently drawn on his face by someone using their left hand, or perhaps even their left foot, spread out in a meandering, lopsided delta under the rough slab of his forehead.

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Twenty thousand years ago,” Caldeira says, “carbon-dioxide levels were lower, sea level was lower—and trees were in a near state of asphyxiation for lack of carbon dioxide. There’s nothing special about today’s carbon-dioxide level, or today’s sea level, or today’s temperature. What damages us are rapid rates of change. Overall, more carbon dioxide is probably a good thing for the biosphere—it’s just that it’s increasing too fast.

To answer this question with some kind of scientific certainty, what you’d really like to do is conduct an experiment. Pretend you could randomly select a group of states and command each of them to release 10,000 prisoners. At the same time, you could randomly select a different group of states and have them lock up 10,000 people, misdemeanor offenders perhaps, who otherwise wouldn’t have gone to prison. Now sit back, wait a few years, and measure the crime rate in those two sets of states. Voilà! You’ve just run the kind of randomized, controlled experiment that lets you determine the relationship between variables. Unfortunately, the governors of those random states probably wouldn’t take too kindly to your experiment. Nor would the people you sent to prison in some states or the next-door neighbors of the prisoners you freed in others. So your chances of actually conducting this experiment are zero. That’s why researchers often rely on what is known as a natural experiment, a set of conditions that mimic the experiment you want to conduct but, for whatever reason, cannot. In this instance, what you want is a radical change in the prison population of various states for reasons that have nothing to do with the amount of crime in those states.

He parted from him on the usual terms outwardly, but he felt obscurely abused by Fulkerson in regard to the Dryfooses, father and son. He did not know but Fulkerson had taken an advantage of him in allowing him to commit himself to their enterprise with out fully and frankly telling him who and what his backer was; he perceived that with young Dryfoos as the publisher and Fulkerson as the general director of the paper there might be very little play for his own ideas of its conduct. Perhaps it was the hurt to his vanity involved by the recognition of this fact that made him forget how little choice he really had in the matter, and how, since he had not accepted the offer to edit the insurance paper, nothing remained for him but to close with Fulkerson. In this moment of suspicion and resentment he accused Fulkerson of hastening his decision in regard to the Grosvenor Green apartment; he now refused to consider it a decision, and said to himself that if he felt disposed to do so he would send Mrs. Green a note reversing it in the morning. But he put it all off till morning with his clothes, when he went to bed, he put off even thinking what his wife would say; he cast Fulkerson and his constructive treachery out of his mind, too, and invited into it some pensive reveries of the past, when he still stood at the parting of the ways, and could take this path or that. In his middle life this was not possible; he must follow the path chosen long, ago, wherever, it led. He was not master of himself, as he once seemed, but the servant of those he loved; if he could do what he liked, perhaps he might renounce this whole New York enterprise, and go off somewhere out of the reach of care; but he could not do what he liked, that was very clear. In the pathos of this conviction he dwelt compassionately upon the thought of poor old Lindau; he resolved to make him accept a handsome sum of money—more than he could spare, something that he would feel the loss of—in payment of the lessons in German and fencing given so long ago. At the usual rate for such lessons, his debt, with interest for twenty-odd years, would run very far into the hundreds. Too far, he perceived, for his wife's joyous approval; he determined not to add the interest; or he believed that Lindau would refuse the interest; he put a fine speech in his mouth, making him do so; and after that he got Lindau employment on 'Every Other Week,' and took care of him till he died.

YOU HAVE some money in a savings bank; you are contributing to your company’s 401( k) at the maximum rate allowed; you have equity in a home, if you want it; you’ve tied up $ 1,000 in bulk purchases of tuna fish and shaving cream; you have lowered your auto and homeowner’s insurance premiums by increasing your deductibles; you have adequate term life insurance; you’ve paid off all your 18% installment loans and insulated your attic—you have done, in short, all the things that scream to be done. Now what?

Retirement Lifestyle Planning There are four (4) major financial questions that you must be able to answer in order to know if your current or future plan will work for you. What rate of return do you have to earn on your savings and investment dollars to be able to retire at your current standard of living and have your money last through your life expectancy? How much do you need to save on a monthly or annual basis to be able to retire at your current standard of living and your money last your life expectancy? Doing what you are currently doing, how long will you have to work to be able to retire and live your current lifestyle till life expectancy? If you don’t do anything different than you are doing today, how much will you have to reduce your standard of livingat retirement for your money to last your life expectancy? Motto for Retirement Lifestyle Planning A solid financial plan is a powerful possession that offers a sense of peace and freedom. Our process allows us to determine appropriate strategies and help you understand how to achieve your goals and live your dreams. Our process stresses informed financial decision making. We encourage you to review all decisions with your team of tax and legal professionals. For the record, we are not tax or legal professionals and this information is not intended as tax or legal advice. Now we’d like to remind you that a well-executed financial plan requires diverse knowledge and utilizes some or all of the following strategies and services: -Retirement Lifestyle Planning Making the most of your employer-sponsored retirement plans and IRAs. Determining how much you need to retire comfortably. Managing assets before and during retirement including Social Security analysis. -Estate Planning Referring you to qualified Estate Attorneys to review your wills and trusts to help preserve your estate for your intended heirs by helping with beneficiary designations. Reducing exposure to estate taxes and probate costs. Coordinating with your tax and legal advisors. -Tax Management Helping to reduce your current and future tax burden by considering multiple strategies for review by your tax professional.Also, referring you to qualified tax specialists if needed. -Legacy Planning/Charitable Planning Creating a solid future for generations to come by ensuring that your legacy will live on through those you love or causes you care deeply about. -Risk Management Reviewing existing insurance policies. Recommending policy changes when appropriate. Finding the best policy for your individual wants and needs. -Investment Planning Determining your asset allocation needs. Helping you understand your risk tolerance. Recommending the appropriate investment vehicles to help you reach and exceed your goals.

Maybe Sloan would agree to a deal. I’d talk to someone about some of my issues if she would agree to go to grief counseling. It wasn’t me giving in to Josh like she wanted, but Sloan knew how much I hated therapists, and she’d always wanted me to see someone. I was debating how to pitch this to her when I glanced into the living room and saw it—a single purple carnation on my coffee table. I looked around the kitchen like I might suddenly find someone in my house. But Stuntman was calm, plopped under my chair. I went in to investigate and saw that the flower sat on top of a binder with the words “just say okay” written on the outside in Josh’s writing. He’d been here? My heart began to pound. I looked again around the living room like I might see him, but it was just the binder. I sat on the sofa, my hands on my knees, staring at the binder for what felt like ages before I drew the courage to pull the book into my lap. I tucked my hair behind my ear and licked my lips, took a breath, and opened it up. The front page read “SoCal Fertility Specialists.” My breath stilled in my lungs. What? He’d had a consultation with Dr. Mason Montgomery from SoCal Fertility. A certified subspecialist in reproductive endocrinology and infertility with the American Board of Obstetrics and Gynecology. He’d talked to them about in vitro and surrogacy, and he’d had fertility testing done. I put a shaky hand to my mouth, and tears began to blur my eyes. I pored over his test results. Josh was a breeding machine. Strong swimmers and an impressive sperm count. He’d circled this and put a winking smiley face next to it and I snorted. He’d outlined the clinic’s high success rates—higher than the national average—and he had gotten signed personal testimonials from previous patients, women like me who used a surrogate. Letter after letter of encouragement, addressed to me. The next page was a complete breakdown on the cost of in vitro and information on Josh’s health insurance and what it covered. His insurance was good. It covered the first round of IVF at 100 percent. He even had a small business plan. He proposed selling doghouses that he would build. The extra income would raise enough money for the second round of in vitro in about three months. The next section was filled with printouts from the Department of International Adoptions. Notes scrawled in Josh’s handwriting said Brazil just opened up. He broke down the process, timeline, and costs right down to travel expenses and court fees. I flipped past a sleeve full of brochures to a page on getting licensed for foster care. He’d already gone through the background check, and he enclosed a form for me, along with a series of available dates for foster care orientation classes and in-home inspections. Was this what he’d been doing? This must have taken him weeks. My chin quivered. Somehow, seeing it all down on paper, knowing we’d be in it together, it didn’t feel so hopeless. It felt like something that we could do. Something that might actually work. Something possible. The last page had an envelope taped to it. I pried it open with trembling hands, my throat getting tight. I know what the journey will look like, Kristen. I’m ready to take this on. I love you and I can’t wait to tell you the best part…Just say okay. I dropped the letter and put my face into my hands and sobbed like I’d never sobbed in my life. He’d done all this for me. Josh looked infertility dead in the eye, and his choice was still me. He never gave up. All this time, no matter how hard I rejected him or how difficult I made it, he never walked away from me. He just changed strategies. And I knew if this one didn’t work he’d try another. And another. And another. He’d never stop trying until I gave in. And Sloan—she knew. She knew this was here, waiting for me. That’s why she’d made me leave. They’d conspired to do this.

At 50, people are still looking for a stockbroker to work a miracle for them, but at 60 they start looking for an advisor to help them negotiate a truce with reality. Regardless of when people are actually planning to retire, 60 is psychologically the beginning of the end of the accumulation period in their lives, and the beginning of the beginning of the distribution phase.... Variable annuitization offers genuine hope to people who (a) need to live on more than six percent of their capital, (b) need their income to grow in some relation to equity returns, which have historically been more than three times the inflation rate, and (c) at the very, very least, need to be assured that some income will continue for their entire lives. Variable annuitization is the only chance these people have. ...If Americans understood how the capital markets actually work, most folks would choose variable universal life insurance over variable life and whole life as the cheapest form of permanent insurance they could buy for the long run. That's simply because the insurance cost of an insurance policy is a pure function of how much of its own money the insurance company has exposed. Since the policyholder's own cash value builds up most significantly over time - and therefore the insurance company's exposure falls further, faster - in variable universal policies than in other debt-based (or general account-based) contracts, the net premium dollars allocated to the purchase of the death benefit must be lower, at the end of the day. And the policyholder's equity must be commensurately greater.

prompting the United States in 1935 to join about twenty other countries that had already instituted a social insurance program. Social Security made moral sense. It made mathematical sense, too. At that time, just over half of men who reached their 21st birthday would also reach their 65th, the year at which most could begin to collect a supplemental income. Those who reached age 65 could count on about thirteen more years of life.32 And there were a lot of younger workers paying into the system to support that short retirement; at that time only about 7 percent of Americans were over the age of 65. As the economy began to boom again in the wake of World War II, there were forty-one workers paying into the system for every beneficiary. Those are the numbers that supported the system when its first beneficiary, a legal secretary from Vermont named Ida May Fuller, began collecting her checks. Fuller had worked for three years under Social Security and paid $24.75 into the system. She lived to the age of 100 and by the time of her death in 1975 had collected $22,888.92. At that point, the poverty rate among seniors had fallen to 15 percent, and it has continued to fall ever since, owing largely to social insurance.33 Now about three-quarters of Americans who reach the age of 21 also see 65. And changes to the laws that govern the US social insurance safety net have prompted many to retire—and begin collecting—earlier than that. New benefits have been added over the years. Of course, people are living longer, too; individuals who make it to the age of 65 can count on about twenty more years of life.34 And as just about every social insurance doomsdayer can tell you, the ratio of workers to beneficiaries is an unsustainable three to one.

Consider, for example, the landmark 2004 study that followed several hundred patients treated with one of three popular antidepressants: Zoloft, Paxil, or Prozac. Among those who took the drugs as prescribed, only 23% were depression-free after six months of treatment. (As you might expect, patients who failed to take their meds did even worse.) And all three medications yielded roughly the same dismal results. A fluke result, perhaps? It’s actually pretty typical. The recovery rate with antidepressants in similar studies usually falls somewhere between 20% and 35%. Clinical researchers at forty-one treatment sites across the country have just completed the largest real-world study of antidepressants ever conducted, and the results fit the same overall pattern. This multimillion dollar project, sponsored by the National Institutes of Mental Health, followed about three thousand depressed patients who initially took the drug citalopram (marketed under the trade name Celexa) for about twelve weeks. By the end of that short-term treatment period, only 28% of study patients had fully recovered. The study’s 28% response rate might even be an overestimate of the medication’s true effectiveness, because patients received higher drug doses and had more frequent doctor’s visits than people do in everyday clinical practice. (In real life, insurance companies sharply restrict the frequency of “med check” follow-up appointments). Remarkably, the study’s authors—a veritable All-Star team of clinical researchers—noted that the observed 28% recovery rate was about what they had expected to see based on comparable studies. That’s right: They weren’t surprised to find that the majority of study patients failed to recover on an antidepressant. In the study’s published write-up, the researchers also raised a provocative question: What percentage of their patients might have recovered if they had received a sugar pill—a placebo—instead of the medication? Could it possibly have been as high as 28%?