Meet Carolyn Turner

Carolyn and Garlon were married for 42 years and they were very happy enjoying their retirement years together. Garlon was always a planner and he wanted to make sure his wife would be taken care of financially if something were to happen to him. So they rolled some of their retirement dollars into an annuity to provide a stream of income and also purchased life insurance.



http://www.youtube.com/watch?v=eDi3dliAYMA&hl=en

Buy Insurance FAQ

Am I responsible if my ex wife buys my son a sports car and he wrecks it. He's not on my insurance, he's on hers.?
ur not officially responsible but u should have some hold on ur son too. Unless it is court ordered, you are not responsible for the purchase of the coup¨¦ or the insurance however,...
American where on earth can a 59 year aged next to cancer buy vigour insurance cheep.?
see, tell me be for i vote Same agent who sold you the fire insurance policy when you notice there was a raging fire contained by the kitchen. You might check with the same agent to see if you can purchase auto insurance...
An insurance company that I can buy self compensated infertility insuranc from.?
I have not had problems near infertility before, but I am almost 30 and we are ready to possibly try for child # 3, so I would like the extra insurance just contained by case we need any lend a hand. I live in Illinois. I do not have...
An insurance policy be bought. Problem be, on the 2nd year a loan be made on this policy NOT by policyhold
er(PH). No complaint was made by PH. Instead just continued paying premiums for 10 years next stopped at/from the 11th year and so on. What happens now? What endeavour should PH have done? Please advice....
Any conception what type of insurance I should buy for my son 30months in a minute.?
geico the cabbage kid switch his insurance plans to geico you can try beside AIA, or browse through this site 88db for other insurance The best idea for choosing for your son LIC Life insurance...
Any judgment a 77 year older woman should buy natural life insurance?
I got some helpful counsel relating to long term care insurance. A follow-on cross-question: Is there any reason for a 77 year dated widow in good vigour to purchase life insurance? I think of duration insurance being required for people on whom others rely for support/income....
Any one bought Mass Mutual 10 transmittal undamaged life span insurance back?
I would like to know more about Mass Mutual 10 pay-out only whole duration program, Please let me know what good and discouraging.I did know most of the people will say don't buy integral life, go beside term, but I was intresting contained by this 10 payment program. Thanks..
Any problem next to buying a motor import from Japan if it already have title/registration/insurance?
I am in California - the car is a 2003 Honda S2000 and already have registration, title and insurance in California - anything legal that i involve to watch out for. I checked with the DMV and they said that as long as it's already...
Any recommend when buying trip/travel insurance?
First stale, get it. Too many things can travel wrong, especially in today's political/economic climate. The amount you need will come and go depending on what you need. I've always recommended at lowest cancellation insurance to my clients when they booked packages. Check with your credit card companies and homeowners...
Anybody know of a righteous strength insurance plan i can buy for myself?
i need insurance badly! but dont work satisfactory hours (a) my job i have a bit one and cant up my hours. does anybody know of any good companys i can afford to buy health insurance from? Humana One is a national condition insurance carrier that provides decent...
Anyone bought a trampoline, put it up and afterwards enjoy an insurance company emergency you lift it down or drop you?
Insurance company has demanded trampoline come down. Saftety nets, full-grown supervisor followed to a "T". Spent good amount of $$$ on it! Been up for less than a year. Under warranty. Anyone hold any suggestions? YES. Trampolines and pools...
Anyone know if Kaiser Permanente is a flawless robustness insurance to buy?
I wanted to get this for my parents and they're asking $800/month for both of them. It unsophisticatedly covers everything with about $25 co-pay for almost everything. I'm a moment ago wondering how the doctors are and how the hospital treat their patients. The Doctors are great and...
Anyone own more than one vehicle and buy comprehensive insurance for adjectives?
does anyone own more than one car and buy them all comprehensive insurance by yourself? I found it's so expensive and considering to buy third gathering insurance only. anyone advise pls I have three vehicles and enjoy full insurance on all three. I get a polite driver discount...
Approval from PMI insurance company to buy a foreclosure?
I put an offer on a foreclosure and the bank said they are fine next to it, but they need the PMI insurance company to approve it before they sign the contract. What is that and how long can that process give somebody a lift? My sale and purchase contract...
Approximately how much would it cost me to buy robustness insurance for myself not through my work?
I live in Louisiana and have no serious medical issues. I don't know which medical plan to use. I've looked at Blue Cross so far. Depending on your age it is expensive. You can recover money by getting a high deductible or...
Are airline tickets bought beside MasterCard automatically covered near travel insurance?
I bought a British Airways return airline ticket from London to Chicago (USA) and travelled this month - december 2007. Unfortunately I lost my wallet in a taxi. Am I covered by travel insurance only by purchasing the ticket with my MasterCard? As the previous respondent said, not...
Are ancestors who enjoy medi - cal allowed to also buy their own robustness insurance?
Will the insurance that they buy often allow this or how does this work? Is it legal? Doctors read out that medi-cal is not good enough for them so they usually want you to own good health insurance. What is well brought-up health...
Are ethnic group who enjoy medi - cal allowed to also buy their own robustness insurance?
Will the insurance that they buy often allow this or how does this work? Is it legal? Doctors influence that medi-cal is not good enough for them so they usually want you to enjoy good health insurance. What is correct health insurance and...
Are in attendance any supplemental prescription insurance companies you can buy to relief the cost of fertility meds?
My insurance covers only the oral meds ,not the injectables which can range up to 5-7000 dollars health-quotes.isgreat.org - try this one. My sister have no problem with her insurance coverage while being pregnant. Using google to find as much relatebeside yourself as...
Are minimum insurance requirements different from a lease vrs a bought coup¨¦?
as far as the dealer letting you take it past its sell-by date the floor? depends on if the "bought car" is in actual fact paid in full. if the "bought car" have a loan on it then the insurance would most likely be impossible to tell apart....
Are republicans trying to bypass state minimums on robustness insurance by letting associates buy outside their state?
Then no state could bar cheap and worthless policies. What a plan! ""The GOP plan was drafted by Rep. Tom Price, R-Ga., a physician. It avoids expanding the federal role surrounded by overseeing the health insurance industry. Unlike Democratic proposals, it would not...
Are robustness insurance providers more possible to rescind your policy if you buy privately vs thru your employer?
No. yes. Most employers have a Group policy, and the insurer would own a difficult time cancelling one employees program unless they claimed fraud or something wicked was going on. You carry smaller quantity protection with a private plan. With...
Are you buying wedding ceremony insurance? Have you have to use it? Do venue walk out of business?
I am debating on buying insurance from wedsafe. Has anyone bought from them and had to use them? Which circumstances forced you to do that? Do venues be in motion out of business? If you obtain contracts signed then insurance is a...
Are you buying Wedding Insurance?
Why or why not? I'm getting married Oct 23, 2010 and totally plan on purchasing it for my wedding. I sell Wedding Insurance, but it wasn't until I truly got into my own wedding that I realize how important it really is. What's your take? Might be something to consider if you are...
Are you one of the estimated 21 million who choose to not buy form insurance because you are?
young and healthy and don't want to pay envelope out the nose to care for those who aren't? Would you want the Government to force you to pay packet for those who don't take care of themselves? Are you one of the ones...
Are you suitably protected if you buy an unlocked iphone and later lift out phone insurance?
Say if I was to buy an unlocked iphone from Ebay.. And therefore the Apple warranty against damage/breakages would be cancelled.. Would it therefore make sense to appropriate out phone insurance (costing around lb4 a month) which protects against damage/breakage? And would this cover an...
As a 21 year-old soon-to-be college graduate, what would crop up if I refuse to buy condition insurance?
What penalty would the recently-passed House bill mandate on me? Is it true that I'd face fines and/or prison time, merely because I freely choose not to participate in enriching some HMO? "Americans who do not maintain “acceptable health insurance coverage” and...
As a blogger where on earth can I buy libel insurance?
Journalists can buy it. You will have to find a broker that has a contract next to Lloyd's. They would underwrite these types of policies. I don't think the courts have settled on the issue whether bloggers are journalists. But I have hear of cases where people own...
As contained by my closing give somebody the third degree can someone buy acciedent insurance that also have a existence policy beside it w/o my knowing?
My brother is a supplemental insurance salesman and he had my grandma buy 2 policies for myself and wife. We knew nought about this, until she cancelled and they sent us the bill. He says...
At http://www.insurance-forums.lattice they discuss buying occupancy insurance and investing the difference?
Is that a good idea? http://www.insurance-forums.net/ Sure beat buying whole life insurance! It's MUCH smarter. The alternative is buying adjectives life insurance and accepting a lower interest rate from the insurance company. So yes, buy term and invest the difference. The conception of "buy and invest...
More Buy Insurance quesions please visit : InsuranceQuotesFAQ.com

Meet the Purcell

Jack Purcell and Nan have been married for several years, as Nan has been disabled and a wheelchair. Jack was worried about what happened to his wife if he is not around, so he established a fund for life insurance, the family's income could be if something happened to him.



http://www.youtube.com/watch?v=nsPFwU0kha8&hl=en

Business Leaders Want Mass Transit Authority For Se Wisconsin

Some of southeastern Wisconsin’s key business leaders said today that the creation of a regional transit authority to upgrade Milwaukee County’s bus system and create a Kenosha-Racine-Milwaukee (KRM) commuter rail is essential for the economic vitality of the region.
Backed by some of area's most prominent business executives, Gov. Jim Doyle announced today new legislation to create a Southeastern Regional Transit Authority (SERTA).
The plan includes a 0.5 percent sales tax increase in Milwaukee County to provide a dedicated funding source for the county’s financially troubled bus system.
Business leaders said mass transit is needed to help people get to work and is a key amenity to attracting talented workers to southeastern Wisconsin.
“This is not a want, this is an absolute need for the community,” said Tim Sullivan, president and chief executive officer of South Milwaukee-based Bucyrus International Inc. The announcement about the RTA legislation was held at the Bucyrus headquarters.
“It’s critical that this legislation pass during the spring 2010 session,” said Robert Mariano, chairman and CEO of Milwaukee-based Roundy’s Supermarkets Inc. “It is foolish to ignore, this is an economic development issue. Transit builds the economy.”
“For the vitality of southeastern Wisconsin, getting this bill through the legislature is critical,” said Scott VanderSanden, president of AT&T Wisconsin.
“We believe regional transit and the KRM is an important investment in the future of our region,” said J. Fisk Johnson, chairman and CEO of Racine-based S.C. Johnson & Son Inc. “More efficient and more affordable public transit can help make a city an even more attractive place for business and can help the vibrancy of a community. The lack of accessibility to Milwaukee and Chicago is a big reason it is more challenging to attract key people to our company.”
“It’s really frustrating to see the constant deterioration of public transit,” said Ed Zore, CEO of Milwaukee-based Northwestern Mutual Life Insurance Co. “It’s really important for business to have a good public transit system.”
About 700 of his company’s employees use public transit, Zore said.

Clock is ticking
The supporters of the bill to create the SERTA believe they may be on the clock.
Doyle is not running for re-election in the fall. The state’s budget problems may give a Republican candidate a better chance to win the governor’s race. If either of the Republican candidates for governor, Milwaukee County Executive Scott Walker or former Congressman Mark Neumann, is elected, they could block RTA legislation. Walker reiterated his opposition to creating an RTA to fund mass transit in the region.
“I believe now is not the time for a tax increase,” Walker told BizTimes Milwaukee. “Considering the economy, the last thing we want is a tax increase right now.”
Walker said concerns about the financial health of the county’s bus system have been exaggerated. He acknowledged that in the long run, financial issues for the bus system must be addressed. However, he said a better option than a tax increase would be to allocate some state sales taxes from the sale of vehicles for mass transit systems. He also said the county should privatize General Mitchell International Airport and use funds from that for the transit system.
Neumann could not be reached for comment about the issue Tuesday.
With the future of the governor’s office up in the air, transit advocates, including several business leaders, are hoping the state legislature approves the new RTA proposal this spring.
Transit advocates are anxious for a solution to the Milwaukee County Transit System’s funding problems.
“The bus system in Milwaukee is desperately in need of immediate help,” Doyle said. “We need to get moving on that.”
Until the problems with Milwaukee County’s bus system are solved, many local and federal government officials are refusing to support the plans for the proposed KRM commuter rail service.
The details
If approved, the new RTA plan calls for a 0.5 percent increase in the sales tax for Milwaukee County to provide funds for the county’s bus system. Existing funding sources, including property taxes, in Racine and Kenosha counties would continue to fund bus services in those counties.
The proposed KRM commuter rail service would be funded by a car rental fee in the three counties of up to $18 per rental.
The car rental fee has already been approved by the state government, but the Milwaukee County sales tax increase has not.
The plan calls for the transit services of the three counties to eventually merge into one RTA.
Other counties also could join the RTA, if they choose to do so.
The transit services in Racine County and Kenosha County have much smaller needs so they want to keep their funding separate for their own bus systems, said Julia Taylor, an RTA board member and president of the Greater Milwaukee Committee. Those counties are more concerned about providing funding for the KRM, she said.
Under the proposal, any new funding sources for the RTA must be approved by voters in a referendum, Doyle said. An advisory referendum was approved in 2008 for a 1 percent Milwaukee County sales tax hike for transportation, parks and ambulance services.
The sales tax increase for Milwaukee County will eliminate the cost of the Milwaukee County Transit System from the property tax base, which will result in property tax relief, Doyle and other supporters said.
“It can’t be paid by the property tax,” Sullivan said. “It has to be paid by sales tax. That would put us in line with virtually every other state.”
Without a dedicated funding source, transit supporters say the Milwaukee County bus system will continue to compete with other services for property tax funds and will be subject to additional service cutbacks and fare increases.
A regional transit plan that addresses the needs of the bus system is necessary to convince federal officials to provide funding for a new commuter rail service, Doyle said.
The state has invested massive amounts of money to improve the region’s roads, including the Marquette Interchange project and the expansion and reconstruction of Interstate 94 between Milwaukee and Illinois, but Doyle said improvements to mass transit are also needed in the region.
“Modern infrastructure needs good roads. We have invested heavily in that,” Doyle said. “But it also needs passenger rail.”

Meet Amanda Tolliver

The LifeBridge free life insurance program provided Amanda with the means to finish her education after her mom passed away unexpectedly. The benefits from the life insurance policy funded a trust in Amanda's name.



http://www.youtube.com/watch?v=-cB40ili9og&hl=en

Meet the Purcells

Jack and Nan Purcell were married for several years when Nan became disabled and confined to a wheelchair. Jack was concerned about what might happen to his wife if he were not around, so he established a life insurance trust that could provide income to the family if something were to happen to him.



http://www.youtube.com/watch?v=nsPFwU0kha8&hl=en

Meet the Colemans

Buzzy Coleman and his sons Clif and David operate Coleman Adams Construction as a family business. As part of their financial strategy, they purchased life insurance policies for key people in the organization as a retention tool during a planned leadership transition.



http://www.youtube.com/watch?v=sW-UKkvxFLI&hl=en

Meet Chris Lione

As a young graphic artist in his twenties, Chris never knew how to save a dime. Yet, despite not being a strong saver, he had a head for planning and purchased both disability and whole life insurance as part of his financial strategy. The life insurance policies gave him the freedom to access their cash value as a down payment on a home.



http://www.youtube.com/watch?v=BNBgzTE-gMo&hl=en

Meet Mark Wendling

A few years ago, dentist Mark Wendling and his new wife Kathy, a special education teacher, knew they wanted to start a family. Soon thereafter, Kathy gave birth to Riley. But because of a rare heart disorder, Kathy passed away only days after giving birth to Riley.



http://www.youtube.com/watch?v=0NlCnbrMXb4&hl=en

Meet the Grassis

Mr. Grassi was retired from the New York City Fire Department. His sons knew he had a pension, but beyond that, had never discussed financial matters with their parents. After a close review, they decided on a whole life insurance policy as supplemental retirement protection for their father's pension.



http://www.youtube.com/watch?v=XoXpsY3nVQs&hl=en

Meet the Griffith-Cochrans

Nancy and Vasyl married right out of college. A little over a year later, their daughter Emily was born and they knew planning to pay for her education early was important. So they decided to purchase life insurance as a way to pay for school should one of them pass away.



http://www.youtube.com/watch?v=2JU9j4nR5L8&hl=en

Meet Bob Bunting

Bob Bunting purchased his first life insurance policy at age 17. He continued to add to his coverage as he married and had children. Later, a financial strategy including life insurance helped make sure that Bunting Magnetics Co.® would continue as a second generation family business.



http://www.youtube.com/watch?v=pH9lvbRWPmM&hl=en

SHAME ON YOU: Rep. Speier To You Mr. Sullivan,. Chairman Waxman's Eric R. Dinallo, Superintendent, NY State Insurance Dept, Lynn E. Turner, arch accountant, Securities Exchange Commission Robert B. Willumstad, CEO, Martin J. Sullivan, CEO, AIG

Obaid Karki An Outcast Underdog Libertarian Diogenesist Kabbalist Spinoziste Qutbist Pantheon Hexalingual Automath Former UAE Under Secretary Independent Street-Knowledge Urban Talking-head. Unaffiliated to a State, an Organized Religion Group, a Sect or a Kin and an Anti Tribal Gentile. Every phrase is an earnest verdict. Thats my bio. If you dont agree with me thats an honor. It is immoral to appease to please. My word hurts big time because it is quality of a moment of truth US Conspiracism is a Grassroot Religion alas belief masterminded by the Establishment to Worthy the Worthless. This in-thing is sold as Partisanship to the Unemployables for free. Its the Disneyfication of the Mass to glorify a Legacy of Ghosts as Rothchild, Bilderberg, English royalty etc. Neither Mainstream Media & nor Hollywood or the Publisher's Clan would be outsourced to such task simply because they are assigned to edutain the Untalentable Aristocrat Urban Parasites. AIG American International Group, Inc. (NYSE) Google Finance Yahoo Finance MSN Money AOL Finance CNN Money Reuters 3.51 0.36 ( 9.30%) 7 Oct 4:00pm ET Open: 4.22 High: 4.22 Low: 3.51 Volume: 90285327 Avg Vol: 218654000 Mkt Cap: 9.44B Disclaimer After Hours: 3.54 +0.03 (0.85%) 7 Oct 7:59pm ET Crisis strengthens Manulife's hand in AIG bid Manulife and other insurers are expected to bid for AIG divisions as early as this week, they said. The American insurance giant is under pressure to sell Former AIG Executives Get Harsh Criticism ...



http://www.youtube.com/watch?v=jK4_rDGEXZs&hl=en

Crosswalk

A don't walk sign is flashing in a crowded intersection. A crowd is gathering at one corner, waiting to cross the street. It is a windy, wet day. A woman notices something and takes a step back. At the same time a bus drives by and splashes the people waiting on the corner. The woman remains dry.



http://www.youtube.com/watch?v=M6qGasKoV-w&hl=en

Is accomplished activity allowance disregarded in business assumption planning?

Krystal Morris reports: When its owner for more than four decades passed away suddenly, Troy Belting and Supply Co in Watervliet, NY could have collapsed, as do many family businesses that lose their leaders. Instead, the company continued to operate and grow, thanks in part to a succession plan funded by life insurance.



http://www.youtube.com/watch?v=IvpcljeimhU&hl=en

Preview of documentary Autism: advancing of Age, advancing to your accessible television base in April

We believe in giving families who live with autism a chance to tell their own stories. That's why MassMutual is proud to have sponsored the upcoming public television documentary, Autism: Coming of Age. This film provides an honest look at the future facing these families as their children become adults. Watch the clip for a preview of the film. Look for Autism: Coming of Age on your local public television station beginning April 1. For more details, www.massmutual.com CRN201102-145656



http://www.youtube.com/watch?v=6Rx6QLmyVJ4&hl=en

Buying abiding affliction for ancestors associates with disabilities

Krystal Morris reports: Paying for life-long care for a family member with disabilities can be financially overwhelming. "Not knowing how your child will be cared for after you're gone is a heavy burden that weighs on most parents of children with special needs," said David MacLaren of Fortville, Ind., parent of four children, three of whom have special needs.



http://www.youtube.com/watch?v=31AnES_KJWE&hl=en

Protest assemblage Boca Raton FL (Part B) v. GERMAN INSURANCE COMPANY (ALLIANZ)

The Holocaust Survivors Foundation USA, F4I, and SI PROTESTED ALLIANZ'S NAZI PAST PROFITEERING FROM THE HOLOCAUST AND DENYING COMPENSATION TO SURVIVORS at the beginning of Allianz Golf Tournament in Boca Raton, FL from February 7 to 13, 2011, to buy 'good will' and cover up a disgraceful past, as well as its present denial of justice and dignity. Savor and share with your landsmen two videos of our successful rally in Boca Raton, FL on 2-10-2011. Allianz Insurance ... whose shame is not only to coverup its Nazi past, but its indifference and immoral attack upon survivors to this day by ignoring their pleas. History of Allianz: A German Insurance Company and among the ten largest in the world. Allianz CEO: Kurt Paul Schmitt, came to the Nazis before they came to power, donated money to Hitler, joined the Nazi Party in 1933 and was Hitler's Economy Minister along with being an honorary member of the "SS" and a main culprit in the Third Reich who didn't want Jews part of the German Economy. Allianz insured the "SS", factories, barracks, motor pools, death camps, etc. Allianz knew of the 'Slave Labor" and the mass extermination of nearly 7 million Jewish men, women and children and millions of others.After World War II, Allianz and its affiliates refused to honor tens of thousands of insurance policies owed to Holocaust survivors and victims' heirs --demanding original policies and death certificates, documents no survivors could provide after Auschwitz. Instead of making ...



http://www.youtube.com/watch?v=UEKnVhy01mY&hl=en

SHAME ON YOU: Rep. Speier To You Mr. Sullivan,. Chairman Waxman's Eric R. Dinallo, Superintendent, NY State Insurance Dept, Lynn E. Turner, arch accountant, Securities Exchange Commission Robert B. Willumstad, CEO, Martin J. Sullivan, CEO, AIG

Obaid Karki An Outcast Underdog Libertarian Diogenesist Kabbalist Spinoziste Qutbist Pantheon Hexalingual Automath Former UAE Under Secretary Independent Street-Knowledge Urban Talking-head. Unaffiliated to a State, an Organized Religion Group, a Sect or a Kin and an Anti Tribal Gentile. Every phrase is an earnest verdict. Thats my bio. If you dont agree with me thats an honor. It is immoral to appease to please. My word hurts big time because it is quality of a moment of truth US Conspiracism is a Grassroot Religion alas belief masterminded by the Establishment to Worthy the Worthless. This in-thing is sold as Partisanship to the Unemployables for free. Its the Disneyfication of the Mass to glorify a Legacy of Ghosts as Rothchild, Bilderberg, English royalty etc. Neither Mainstream Media & nor Hollywood or the Publisher's Clan would be outsourced to such task simply because they are assigned to edutain the Untalentable Aristocrat Urban Parasites. AIG American International Group, Inc. (NYSE) Google Finance Yahoo Finance MSN Money AOL Finance CNN Money Reuters 3.51 0.36 ( 9.30%) 7 Oct 4:00pm ET Open: 4.22 High: 4.22 Low: 3.51 Volume: 90285327 Avg Vol: 218654000 Mkt Cap: 9.44B Disclaimer After Hours: 3.54 +0.03 (0.85%) 7 Oct 7:59pm ET Crisis strengthens Manulife's hand in AIG bid Manulife and other insurers are expected to bid for AIG divisions as early as this week, they said. The American insurance giant is under pressure to sell Former AIG Executives Get Harsh Criticism ...



http://www.youtube.com/watch?v=jK4_rDGEXZs&hl=en

Preview of the documentary Autism: Support for age, the promotion of the TV-based Internet in April

We believe that families living with autism the opportunity to tell their stories. Therefore MassMutual proud sponsor of the upcoming public television documentary, autism is: Coming of Age. This film offers an honest look at the future, where will these families keep their children grow. Watch the clip for the movie preview. Look for Autism: Coming of Age in your local public television station begins April 1. For more details www.massmutual.com CRN201102-145656



http://www.youtube.com/watch?v=6Rx6QLmyVJ4&hl=en

SHAME ON YOU: Rep. Speier To You Mr. Sullivan,. Chairman Waxman's Eric R. Dinallo, Superintendent, NY State Insurance Dept, Lynn E. Turner, arch accountant, Securities Exchange Commission Robert B. Willumstad, CEO, Martin J. Sullivan, CEO, AIG

Obaid Karki An Outcast Underdog Libertarian Diogenesist Kabbalist Spinoziste Qutbist Pantheon Hexalingual Automath Former UAE Under Secretary Independent Street-Knowledge Urban Talking-head. Unaffiliated to a State, an Organized Religion Group, a Sect or a Kin and an Anti Tribal Gentile. Every phrase is an earnest verdict. Thats my bio. If you dont agree with me thats an honor. It is immoral to appease to please. My word hurts big time because it is quality of a moment of truth US Conspiracism is a Grassroot Religion alas belief masterminded by the Establishment to Worthy the Worthless. This in-thing is sold as Partisanship to the Unemployables for free. Its the Disneyfication of the Mass to glorify a Legacy of Ghosts as Rothchild, Bilderberg, English royalty etc. Neither Mainstream Media & nor Hollywood or the Publisher's Clan would be outsourced to such task simply because they are assigned to edutain the Untalentable Aristocrat Urban Parasites. AIG American International Group, Inc. (NYSE) Google Finance Yahoo Finance MSN Money AOL Finance CNN Money Reuters 3.51 0.36 ( 9.30%) 7 Oct 4:00pm ET Open: 4.22 High: 4.22 Low: 3.51 Volume: 90285327 Avg Vol: 218654000 Mkt Cap: 9.44B Disclaimer After Hours: 3.54 +0.03 (0.85%) 7 Oct 7:59pm ET Crisis strengthens Manulife's hand in AIG bid Manulife and other insurers are expected to bid for AIG divisions as early as this week, they said. The American insurance giant is under pressure to sell Former AIG Executives Get Harsh Criticism ...



http://www.youtube.com/watch?v=jK4_rDGEXZs&hl=en

Episode 9: Guardian & Berskhire Life Long Term Disabilit Insurance Claims

It is not often we say positive things about disability insurance companies, but Guardian Insurance Company and Berkshire Life Insurance Company are two companies that usually try to do the right thing for their policy holders. Guardian has been in existence since 1860 and has over 5000 employees. In 2001Berkshire Life merged with Guardian. Berkshire Life sells individual ERISA exempt disability policies and Guardian sells Group disability insurance policies. Guardian has over 42 billion dollars in assets under management and revenues have exceeded 7 billion dollars. In this episode disability insurance attorneys Gregory Dell & Stephen Jessup of Attorneys Dell & Schaefer discuss Guardian and Berkshire Life Disability Insurance Companies and their handling of long term disability insurance claims. More specifically we will discuss: 1) A New York disability insurance case about a dentist that was claiming total disability but Berkshire Life was claiming the dentist was residually disabled. 2)What is a "dual occupation"? 3)A Florida case against Berkshire Life discussing how to determine what a person's "own occupation" is at the time he is or she becomes disabled. 4)The ability to be collect total disability benefits and continue to work in a different occupation For additional information about Guardian or Berkshire Life please visit our website at www.diattorney.com



http://www.youtube.com/watch?v=7yi1Moi51Vc&hl=en

Shame On You: Rep. Speier To You Mr. Sullivan. President Eric R. Waxman Dinallo, Superintendent, NY State Insurance Department E. Lynn Turner, arc accountant, Securities Exchange Commission Robert B. Willumstad, CEO, Martin J. Sullivan, managing director of AIG

Obaid Karki an outcast Talking Underdog Libertarian Kabbalist Diogenesist Spinozists Qutbist Pantheon Hexalingual AutoMATH UAE Former Secretary Independent Street-Knowledge Urban-head. No relation to a state of organized religion group, a sect or a Kin and an Anti Tribal Gentile. Each set is a serious decision. That is my bio. If you do not agree with me thats an honor. E 'immoral to appease to please. My word hurts big, because it is the quality of a moment of truth U.S. conspiracyIs a Grassroot Religion alas belief masterminded by the management Worthy worthless. In this thing to show that the disabled free. E 'Disneyfication spectacle to glorify the heritage of ghosts as the Rothschilds, Bilderberg, English royalty etc. Neither Mainstream Media & nor Hollywood or the Publisher's Clan would be outsourced this task, just because they are assigned, a Untalentable Aristocrat Urban Parasites . edutain AIG American International Group,Inc. (NYSE) Google Finance Yahoo Finance MSN Money AOL Finance CNN Money Reuters 3.51 0.36 (9.30%) on October 7 clock 04:00 ET Open: 4.22 High: 4.22 Low: 3.51 Volume: 90,285,327 Avg Vol: 218,654,000 Market Cap: 9.44B Disclaimer After Hours: 3.54 0.03 (0.85%) October 7 7:59 ET clock crisis strengthens hand in AIG bid Manulife Manulife and other insurers are expected for the AIG already offer this week, they said. The American insurance giant AIG executives under pressure to sell the former Get HarshCritics ...



http://www.youtube.com/watch?v=jK4_rDGEXZs&hl=en

AnglinBakerBNI.MOV

BNI Testimonial: Baker Anglin current Vice-President of Rainmakers and MassMutual Financial Group health, life and disability insurance agent. Anglin says he is a member of the group's oldest and largest network in the world!



http://www.youtube.com/watch?v=JmXZW6VxMR4&hl=en

asset growth with FREEDOM FLEX ®

Saving for retirement has never been easier! With our product FREEDOM FLEX ®, we offer the solution to a retirement financial strength and peace of mind knowing that in case of premature death and disability from an age of 100 term life insurance are the subject of certificate / policy . FREEDOM FLEX ® is a term life insurance deposit. In the first year will be a part of the prize, a modified version of the 100-year term premium life insurance certificate / policy and an associatedoptional disability. The rest of the prize is a founding part of the certificate / policy assigned and mature in 10 years. At the end of 10 years, this added bonus for you is more than 260% of the original rear, where the plan is not resolved before the first 10 years. After the first year of its payment will still be necessary for the risk premium associated with life and disability insurance is optional. And now the rest of the premiumgoes to work for you in your choice of vehicle for wealth accumulation. accumulation of wealth may be vehicles, such as a no-load mutual fund of your choice. With a choice allows you to control the investment strategies. Which option to choose each, 100% is the non-dollar life insurance premium to work for you. At the end of 10 years you will be able to determine what is best for you. You can stop payments or continue as long as you want. Depending on theSpecific ...



http://www.youtube.com/watch?v=PRrtfySNKXw&hl=en

Shame On You: Rep. Speier To You Mr. Sullivan. President Eric R. Waxman Dinallo, Superintendent, NY State Insurance Department E. Lynn Turner, arc accountant, Securities Exchange Commission Robert B. Willumstad, CEO, Martin J. Sullivan, managing director of AIG

Obaid Karki an outcast Talking Underdog Libertarian Kabbalist Diogenesist Spinozists Qutbist Pantheon Hexalingual AutoMATH UAE Former Secretary Independent Street-Knowledge Urban-head. No relation to a state of organized religion group, a sect or a Kin and an Anti Tribal Gentile. Each set is a serious decision. That is my bio. If you do not agree with me thats an honor. E 'immoral to appease to please. My word hurts big, because it is the quality of a moment of truth U.S. conspiracyIs a Grassroot Religion alas belief masterminded by the management Worthy worthless. In this thing to show that the disabled free. E 'Disneyfication spectacle to glorify the heritage of ghosts as the Rothschilds, Bilderberg, English royalty etc. Neither Mainstream Media & nor Hollywood or the Publisher's Clan would be outsourced this task, just because they are assigned, a Untalentable Aristocrat Urban Parasites . edutain AIG American International Group,Inc. (NYSE) Google Finance Yahoo Finance MSN Money AOL Finance CNN Money Reuters 3.51 0.36 (9.30%) on October 7 clock 04:00 ET Open: 4.22 High: 4.22 Low: 3.51 Volume: 90,285,327 Avg Vol: 218,654,000 Market Cap: 9.44B Disclaimer After Hours: 3.54 0.03 (0.85%) October 7 7:59 ET clock crisis strengthens hand in AIG bid Manulife Manulife and other insurers are expected for the AIG already offer this week, they said. The American insurance giant AIG executives under pressure to sell the former Get HarshCritics ...



http://www.youtube.com/watch?v=jK4_rDGEXZs&hl=en

Health and Education

Health is wealth. The old saying, that he never lost his teeth. As you can misunderstand the value and importance of fiat money, is our well-being as well? Education is the nation that people's health. Without health, no joy of life to enjoy. Without education, none of the generosity of life can be enjoyed by society. If we succeed in procreation, but fail in education, what do we have? Nature seems to those organisms that leave the environment better, pleaseform for their children to survive. As we perch on top of the food chain, responsible, among other things, the largest mass extinction in 65000000 years we have by nature, enjoy the favor? We do not speak so bluntly, so open, have not been mentioned at the time a factor, an important factor in any case. The competition between entropy and ecstasy, and is actually connected. The simple observation suggests that the entropy is in front and pull out - a conclusion that we refute an optimiststrong. As the Chinese say, is all auspicious signs in abundance and reaffirm the National Optimists believe, as we always have, that the solutions, the optimal solutions for every challenge that we exist. But our time to act is now. Our window of opportunity is open, but not unlimited. We encourage our leaders to lead, powerful, with the intention of improving joint basis and with our hearts. If they do, it is our responsibility as citizens, not just say,so ...



http://www.youtube.com/watch?v=rokrm2YRrZM&hl=en

Hiking

What is the sign of a good decision? Sometimes you see the Vista uses a trusted person to lead. In the world of personal finance is the sign of a good decision MassMutual.



http://www.youtube.com/watch?v=NE_wHxld710&hl=en

Liberty Mutual Ad (first edition): "Half Acre"

This will download the video of those links. MPEG: MOV www.sendspace.com: www.sendspace.com AVI: www.sendspace.com The first product in the "good deeds" series of television commercial for Liberty Mutual by the advertising agency Hill Holliday. It offers good deeds for foreign residents to do the same inspired the audience. The song is "Half Acre" by Hem. E 'on their 2002 album "Rabbit Songs." www.myspace.com View: For more information about the band on their MySpace page can be found hereThe second edition of the ad here: www.youtube.com Source: www.hhcc.com



http://www.youtube.com/watch?v=wMwoexR1evo&hl=en

Shame On You: Rep. Speier To You Mr. Sullivan. President Eric R. Waxman Dinallo, Superintendent, NY State Insurance Department E. Lynn Turner, arc accountant, Securities Exchange Commission Robert B. Willumstad, CEO, Martin J. Sullivan, managing director of AIG

Obaid Karki an outcast Talking Underdog Libertarian Kabbalist Diogenesist Spinozists Qutbist Pantheon Hexalingual AutoMATH UAE Former Secretary Independent Street-Knowledge Urban-head. No relation to a state of organized religion group, a sect or a Kin and an Anti Tribal Gentile. Each set is a serious decision. That is my bio. If you do not agree with me thats an honor. E 'immoral to appease to please. My word hurts big, because it is the quality of a moment of truth U.S. conspiracyIs a Grassroot Religion alas belief masterminded by the management Worthy worthless. In this thing to show that the disabled free. E 'Disneyfication spectacle to glorify the heritage of ghosts as the Rothschilds, Bilderberg, English royalty etc. Neither Mainstream Media & nor Hollywood or the Publisher's Clan would be outsourced this task, just because they are assigned, a Untalentable Aristocrat Urban Parasites . edutain AIG American International Group,Inc. (NYSE) Google Finance Yahoo Finance MSN Money AOL Finance CNN Money Reuters 3.51 0.36 (9.30%) on October 7 clock 04:00 ET Open: 4.22 High: 4.22 Low: 3.51 Volume: 90,285,327 Avg Vol: 218,654,000 Market Cap: 9.44B Disclaimer After Hours: 3.54 0.03 (0.85%) October 7 7:59 ET clock crisis strengthens hand in AIG bid Manulife Manulife and other insurers are expected for the AIG already offer this week, they said. The American insurance giant AIG executives under pressure to sell the former Get HarshCritics ...



http://www.youtube.com/watch?v=jK4_rDGEXZs&hl=en

Authors @ Google: John C. Médaille

Towards a truly free market: a Distributist perspective on the role of government, taxes, health care, deficit and more tries with the "free market" rhetoric to reality last three decades the leader of the free market, years Keynesian economic policies have been reversed Government only bigger, more debt, and produces more centralized economic power. So how can a truly free market economy, particularly in the historical moment in which capitalism appears to be in crisis? L 'answer, says John C. Médaille, it must be admitted that the economy something on the order of the physical sciences, it must be a human science, taking into account the fundamental social contexts. Towards a truly free market, argued that any attempt to divorce the economic balance of the economic capital of an unbalanced economy, falling or lead to ruin or to the destructive government attempts to redress the balance. Medaille is a clear case for economic theory and refreshingPractice known as distributism. Unlike many of his colleagues who hold distributists especially in moral terms, there is the Médaille economic debate in purely economic terms. Towards a truly free market is exactly like the end of rescue operations, reduce government budgets, reform the tax code, fix health care, and more. About the Author John C. Medaille is the author of the action of society: social justice in the market and professor at the University of Dallas. Hewrites and lectures ...



http://www.youtube.com/watch?v=X1PtStipIsc&hl=en

SHAME ON YOU: Rep. Speier To You Mr. Sullivan,. Chairman Waxman's Eric R. Dinallo, Superintendent, NY State Insurance Dept, Lynn E. Turner, arch accountant, Securities Exchange Commission Robert B. Willumstad, CEO, Martin J. Sullivan, CEO, AIG

Obaid Karki An Outcast Underdog Libertarian Diogenesist Kabbalist Spinoziste Qutbist Pantheon Hexalingual Automath Former UAE Under Secretary Independent Street-Knowledge Urban Talking-head. Unaffiliated to a State, an Organized Religion Group, a Sect or a Kin and an Anti Tribal Gentile. Every phrase is an earnest verdict. Thats my bio. If you dont agree with me thats an honor. It is immoral to appease to please. My word hurts big time because it is quality of a moment of truth US Conspiracism is a Grassroot Religion alas belief masterminded by the Establishment to Worthy the Worthless. This in-thing is sold as Partisanship to the Unemployables for free. Its the Disneyfication of the Mass to glorify a Legacy of Ghosts as Rothchild, Bilderberg, English royalty etc. Neither Mainstream Media & nor Hollywood or the Publisher's Clan would be outsourced to such task simply because they are assigned to edutain the Untalentable Aristocrat Urban Parasites. AIG American International Group, Inc. (NYSE) Google Finance Yahoo Finance MSN Money AOL Finance CNN Money Reuters 3.51 0.36 ( 9.30%) 7 Oct 4:00pm ET Open: 4.22 High: 4.22 Low: 3.51 Volume: 90285327 Avg Vol: 218654000 Mkt Cap: 9.44B Disclaimer After Hours: 3.54 +0.03 (0.85%) 7 Oct 7:59pm ET Crisis strengthens Manulife's hand in AIG bid Manulife and other insurers are expected to bid for AIG divisions as early as this week, they said. The American insurance giant is under pressure to sell Former AIG Executives Get Harsh Criticism ...



http://www.youtube.com/watch?v=jK4_rDGEXZs&hl=en

SHAME ON YOU: Rep. Speier To You Mr. Sullivan,. Chairman Waxman's Eric R. Dinallo, Superintendent, NY State Insurance Dept, Lynn E. Turner, arch accountant, Securities Exchange Commission Robert B. Willumstad, CEO, Martin J. Sullivan, CEO, AIG

Obaid Karki An Outcast Underdog Libertarian Diogenesist Kabbalist Spinoziste Qutbist Pantheon Hexalingual Automath Former UAE Under Secretary Independent Street-Knowledge Urban Talking-head. Unaffiliated to a State, an Organized Religion Group, a Sect or a Kin and an Anti Tribal Gentile. Every phrase is an earnest verdict. Thats my bio. If you dont agree with me thats an honor. It is immoral to appease to please. My word hurts big time because it is quality of a moment of truth US Conspiracism is a Grassroot Religion alas belief masterminded by the Establishment to Worthy the Worthless. This in-thing is sold as Partisanship to the Unemployables for free. Its the Disneyfication of the Mass to glorify a Legacy of Ghosts as Rothchild, Bilderberg, English royalty etc. Neither Mainstream Media & nor Hollywood or the Publisher's Clan would be outsourced to such task simply because they are assigned to edutain the Untalentable Aristocrat Urban Parasites. AIG American International Group, Inc. (NYSE) Google Finance Yahoo Finance MSN Money AOL Finance CNN Money Reuters 3.51 0.36 ( 9.30%) 7 Oct 4:00pm ET Open: 4.22 High: 4.22 Low: 3.51 Volume: 90285327 Avg Vol: 218654000 Mkt Cap: 9.44B Disclaimer After Hours: 3.54 +0.03 (0.85%) 7 Oct 7:59pm ET Crisis strengthens Manulife's hand in AIG bid Manulife and other insurers are expected to bid for AIG divisions as early as this week, they said. The American insurance giant is under pressure to sell Former AIG Executives Get Harsh Criticism ...



http://www.youtube.com/watch?v=jK4_rDGEXZs&hl=en

SHAME ON YOU: Rep. Speier To You Mr. Sullivan,. Chairman Waxman's Eric R. Dinallo, Superintendent, NY State Insurance Dept, Lynn E. Turner, arch accountant, Securities Exchange Commission Robert B. Willumstad, CEO, Martin J. Sullivan, CEO, AIG

Obaid Karki An Outcast Underdog Libertarian Diogenesist Kabbalist Spinoziste Qutbist Pantheon Hexalingual Automath Former UAE Under Secretary Independent Street-Knowledge Urban Talking-head. Unaffiliated to a State, an Organized Religion Group, a Sect or a Kin and an Anti Tribal Gentile. Every phrase is an earnest verdict. Thats my bio. If you dont agree with me thats an honor. It is immoral to appease to please. My word hurts big time because it is quality of a moment of truth US Conspiracism is a Grassroot Religion alas belief masterminded by the Establishment to Worthy the Worthless. This in-thing is sold as Partisanship to the Unemployables for free. Its the Disneyfication of the Mass to glorify a Legacy of Ghosts as Rothchild, Bilderberg, English royalty etc. Neither Mainstream Media & nor Hollywood or the Publisher's Clan would be outsourced to such task simply because they are assigned to edutain the Untalentable Aristocrat Urban Parasites. AIG American International Group, Inc. (NYSE) Google Finance Yahoo Finance MSN Money AOL Finance CNN Money Reuters 3.51 0.36 ( 9.30%) 7 Oct 4:00pm ET Open: 4.22 High: 4.22 Low: 3.51 Volume: 90285327 Avg Vol: 218654000 Mkt Cap: 9.44B Disclaimer After Hours: 3.54 +0.03 (0.85%) 7 Oct 7:59pm ET Crisis strengthens Manulife's hand in AIG bid Manulife and other insurers are expected to bid for AIG divisions as early as this week, they said. The American insurance giant is under pressure to sell Former AIG Executives Get Harsh Criticism ...



http://www.youtube.com/watch?v=jK4_rDGEXZs&hl=en

SHAME ON YOU: Rep. Speier To You Mr. Sullivan,. Chairman Waxman's Eric R. Dinallo, Superintendent, NY State Insurance Dept, Lynn E. Turner, arch accountant, Securities Exchange Commission Robert B. Willumstad, CEO, Martin J. Sullivan, CEO, AIG

Obaid Karki An Outcast Underdog Libertarian Diogenesist Kabbalist Spinoziste Qutbist Pantheon Hexalingual Automath Former UAE Under Secretary Independent Street-Knowledge Urban Talking-head. Unaffiliated to a State, an Organized Religion Group, a Sect or a Kin and an Anti Tribal Gentile. Every phrase is an earnest verdict. Thats my bio. If you dont agree with me thats an honor. It is immoral to appease to please. My word hurts big time because it is quality of a moment of truth US Conspiracism is a Grassroot Religion alas belief masterminded by the Establishment to Worthy the Worthless. This in-thing is sold as Partisanship to the Unemployables for free. Its the Disneyfication of the Mass to glorify a Legacy of Ghosts as Rothchild, Bilderberg, English royalty etc. Neither Mainstream Media & nor Hollywood or the Publisher's Clan would be outsourced to such task simply because they are assigned to edutain the Untalentable Aristocrat Urban Parasites. AIG American International Group, Inc. (NYSE) Google Finance Yahoo Finance MSN Money AOL Finance CNN Money Reuters 3.51 0.36 ( 9.30%) 7 Oct 4:00pm ET Open: 4.22 High: 4.22 Low: 3.51 Volume: 90285327 Avg Vol: 218654000 Mkt Cap: 9.44B Disclaimer After Hours: 3.54 +0.03 (0.85%) 7 Oct 7:59pm ET Crisis strengthens Manulife's hand in AIG bid Manulife and other insurers are expected to bid for AIG divisions as early as this week, they said. The American insurance giant is under pressure to sell Former AIG Executives Get Harsh Criticism ...



http://www.youtube.com/watch?v=jK4_rDGEXZs&hl=en

SHAME ON YOU: Rep. Speier To You Mr. Sullivan,. Chairman Waxman's Eric R. Dinallo, Superintendent, NY State Insurance Dept, Lynn E. Turner, arch accountant, Securities Exchange Commission Robert B. Willumstad, CEO, Martin J. Sullivan, CEO, AIG

Obaid Karki An Outcast Underdog Libertarian Diogenesist Kabbalist Spinoziste Qutbist Pantheon Hexalingual Automath Former UAE Under Secretary Independent Street-Knowledge Urban Talking-head. Unaffiliated to a State, an Organized Religion Group, a Sect or a Kin and an Anti Tribal Gentile. Every phrase is an earnest verdict. Thats my bio. If you dont agree with me thats an honor. It is immoral to appease to please. My word hurts big time because it is quality of a moment of truth US Conspiracism is a Grassroot Religion alas belief masterminded by the Establishment to Worthy the Worthless. This in-thing is sold as Partisanship to the Unemployables for free. Its the Disneyfication of the Mass to glorify a Legacy of Ghosts as Rothchild, Bilderberg, English royalty etc. Neither Mainstream Media & nor Hollywood or the Publisher's Clan would be outsourced to such task simply because they are assigned to edutain the Untalentable Aristocrat Urban Parasites. AIG American International Group, Inc. (NYSE) Google Finance Yahoo Finance MSN Money AOL Finance CNN Money Reuters 3.51 0.36 ( 9.30%) 7 Oct 4:00pm ET Open: 4.22 High: 4.22 Low: 3.51 Volume: 90285327 Avg Vol: 218654000 Mkt Cap: 9.44B Disclaimer After Hours: 3.54 +0.03 (0.85%) 7 Oct 7:59pm ET Crisis strengthens Manulife's hand in AIG bid Manulife and other insurers are expected to bid for AIG divisions as early as this week, they said. The American insurance giant is under pressure to sell Former AIG Executives Get Harsh Criticism ...



http://www.youtube.com/watch?v=jK4_rDGEXZs&hl=en

Toys for Tots at MassMutual: Mike Fanning and Diana Ruddick

Diane Ruddick, vice president of field operations at Massachusetts Mutual Life Insurance Company (MassMutual), and Michael R. Fanning, executive vice president of MassMutual's US Insurance Group look over some of the toys donated by MassMutual employees for the annual Toys for Tots drive. Marines picked up the toys at MassMutual's headquarters on State Street in Springfield, Mass. on Wednesday, Dec. 15.



http://www.youtube.com/watch?v=lVRqq5k3Gz0&hl=en

Market Psychology

Today we are inundated with tons of information about the economy, stocks, government agencies and foreign governments. They show us charts and graphs of the increase/decrease in oil production over the last 5 years, the amount of maple syrup produced in Vermont for the past century, the time it takes to bounce a signal off the moon and all kinds of other nonsense that we can live without. The talking heads on the investment programs, both radio and TV, tell us how this is going to affect the price of certain stocks and the market in general. Well, maybe.

When you step back to get a better view of the market because the trees are in the way you really get a different view. No matter what stock or mutual fund you own there is one important factor that is causing all of them to change. It is the mass thinking of all the people who own equities of any type. The stock market is a reflection of this mass thinking and causes changes in human behavior. This mass thinking does not necessarily reflect what the economy is doing at any specific moment.

Take the euphoria of stock buyers at the end of 1999 and the beginning of 2000. All the mass psychology was bullish and everyone knew the market was going to go higher. The economy knew better and stocks headed down. The market was a reflection of what we could not see.

Currently many people are becoming bearish and think the market is headed lower, but no one really knows until after the fact. It is dangerous to be either bullish or bearish at this moment. So what is the best course of action when you are not sure of what to do with your money? Keep in mind that protection of your capital, especially your retirement money, is a prime consideration. If you own a stock now that has been going up you don't want to sell it, but you can protect yourself against loss and lock in profit by placing an Open Stop-Loss Order with your broker. Keep moving the stop up as the stock goes higher.

If you have a stock or fund that is going down you must either sell out or place an order to get out if it goes down further. Usually 10% is about right. If your stock is $40 place your stop at $36.

If the mass psychology becomes too negative it can cause massive selling and even the best equities get flushed. All boats go down when the tides goes out. If you do not have a loss limit in place at all times you will lose your investment capital. The example of this was what happened when the World Trade Center was destroyed. Selling was caused by mass psychology and had little to do with valuation.

It is a herd instinct and you don't want to be led to slaughter will all the other dumb animals. Protect your money. Put in a stop today.

SHAME ON YOU: Rep. Speier To You Mr. Sullivan,. Chairman Waxman's Eric R. Dinallo, Superintendent, NY State Insurance Dept, Lynn E. Turner, arch accountant, Securities Exchange Commission Robert B. Willumstad, CEO, Martin J. Sullivan, CEO, AIG

Obaid Karki An Outcast Underdog Libertarian Diogenesist Kabbalist Spinoziste Qutbist Pantheon Hexalingual Automath Former UAE Under Secretary Independent Street-Knowledge Urban Talking-head. Unaffiliated to a State, an Organized Religion Group, a Sect or a Kin and an Anti Tribal Gentile. Every phrase is an earnest verdict. Thats my bio. If you dont agree with me thats an honor. It is immoral to appease to please. My word hurts big time because it is quality of a moment of truth US Conspiracism is a Grassroot Religion alas belief masterminded by the Establishment to Worthy the Worthless. This in-thing is sold as Partisanship to the Unemployables for free. Its the Disneyfication of the Mass to glorify a Legacy of Ghosts as Rothchild, Bilderberg, English royalty etc. Neither Mainstream Media & nor Hollywood or the Publisher's Clan would be outsourced to such task simply because they are assigned to edutain the Untalentable Aristocrat Urban Parasites. AIG American International Group, Inc. (NYSE) Google Finance Yahoo Finance MSN Money AOL Finance CNN Money Reuters 3.51 0.36 ( 9.30%) 7 Oct 4:00pm ET Open: 4.22 High: 4.22 Low: 3.51 Volume: 90285327 Avg Vol: 218654000 Mkt Cap: 9.44B Disclaimer After Hours: 3.54 +0.03 (0.85%) 7 Oct 7:59pm ET Crisis strengthens Manulife's hand in AIG bid Manulife and other insurers are expected to bid for AIG divisions as early as this week, they said. The American insurance giant is under pressure to sell Former AIG Executives Get Harsh Criticism ...



http://www.youtube.com/watch?v=jK4_rDGEXZs&hl=en

SHAME ON YOU: Rep. Speier To You Mr. Sullivan,. Chairman Waxman's Eric R. Dinallo, Superintendent, NY State Insurance Dept, Lynn E. Turner, arch accountant, Securities Exchange Commission Robert B. Willumstad, CEO, Martin J. Sullivan, CEO, AIG

Obaid Karki An Outcast Underdog Libertarian Diogenesist Kabbalist Spinoziste Qutbist Pantheon Hexalingual Automath Former UAE Under Secretary Independent Street-Knowledge Urban Talking-head. Unaffiliated to a State, an Organized Religion Group, a Sect or a Kin and an Anti Tribal Gentile. Every phrase is an earnest verdict. Thats my bio. If you dont agree with me thats an honor. It is immoral to appease to please. My word hurts big time because it is quality of a moment of truth US Conspiracism is a Grassroot Religion alas belief masterminded by the Establishment to Worthy the Worthless. This in-thing is sold as Partisanship to the Unemployables for free. Its the Disneyfication of the Mass to glorify a Legacy of Ghosts as Rothchild, Bilderberg, English royalty etc. Neither Mainstream Media & nor Hollywood or the Publisher's Clan would be outsourced to such task simply because they are assigned to edutain the Untalentable Aristocrat Urban Parasites. AIG American International Group, Inc. (NYSE) Google Finance Yahoo Finance MSN Money AOL Finance CNN Money Reuters 3.51 0.36 ( 9.30%) 7 Oct 4:00pm ET Open: 4.22 High: 4.22 Low: 3.51 Volume: 90285327 Avg Vol: 218654000 Mkt Cap: 9.44B Disclaimer After Hours: 3.54 +0.03 (0.85%) 7 Oct 7:59pm ET Crisis strengthens Manulife's hand in AIG bid Manulife and other insurers are expected to bid for AIG divisions as early as this week, they said. The American insurance giant is under pressure to sell Former AIG Executives Get Harsh Criticism ...



http://www.youtube.com/watch?v=jK4_rDGEXZs&hl=en

Buying Silver As a Hedge Against Inflation

Why Would I buy Silver?

With money printing going on like never before in US history, and the annual deficits out of control, it is only a matter of time before we experience hyperinflation in America. The laws of economic cause and effect will not spare any country who ignores them. Soon China will further reduce its purchases of US debt and the budget crises of the many American state governments will hit critical mass. When this bubble bursts, the dollar will become worth less and less very quickly. Just consult history.

If our wealth is measured in paper dollars, which are being devalued by printing presses churning out more and more of them, then we will lose our wealth. The alternatives are stocks, real estate and precious metals.

Given the uncertainty in Congress over new tax hikes and the continued worsening of the economy, it will be very difficult to know which stocks to choose.

Real estate is always a good way to preserve wealth, but the prices are dropping like a rock and knowing when the bottom hits is anyone's guess. Not to mention that real estate taxes are rising, and will have to rise a lot more to fund local governments which are being driven to financial collapse. Finally, income generating real estate will not be as attractive soon, as rents will not be able to rise fast enough to cover rising real estate taxes and the dropping dollar.

That leaves us with precious metals. Great advice, learning lessons from history and with plenty of facts to back it up, comes from Mike Maloney, author of "Rich Dad's Advisors: Guide to Investing In Gold and Silver: Protect Your Financial Future." He and Robert Kiyosaki believe firmly that the only winning strategy will be to invest in Gold and Silver as the bubble inflates and, when it is looking like that bubble is nice and ripe for bursting, bail out and buy real estate. The reason: real estate will bottom out as precious metals top out

Why Would I buy Silver Instead of Gold?

That is an important personal decision, but the rationale is very rational! As of this writing, an ounce of gold is over $1150, which is not too affordable for the average American. However, silver is under $19, which means that anyone can afford to buy silver. More reasons:

Unlike Gold, silver is used up in industrial applications and the supply is less than it has ever been.
Silver is at a historical low versus gold. The ratio has been about 16:1, meaning that it has taken 16 ounces of silver to purchase 1 ounce of gold throughout history. The ratio is now over 60:1. While everyone does not agree that the ratio should be 16:1 these days, due to a lot of different factors that have not existed in the past, just about every expert agrees that silver has a lot more of an upside potential than gold. However, these economists are unanimous that both metals are poised for great gains in the near future.

What Do I Need to Know to Buy Silver?

First off, silver (as well as gold) is sold by the Troy ounce. This is a bit different than a normal ounce, as there are only 12 Troy ounces to a pound instead of 16.

Second, silver can be purchased in basically two forms: physical silver, which is in either coins or bars, and "paper" silver, which is in the form of mutual funds or ETFs. (Some also regard stocks in silver mining companies as a legitimate investment, but a couple dishonest executives in any company can ruin everything: think Enron. Stocks in an individual company are very risky). Paper silver is as good as your faith in the Wall Street bankers that issue it. Enough said. Physical silver can be stored for you by a company in their vault (which means you have to trust them...) or you can take delivery and hold the silver yourself. This is by far the best option.

Third, silver is priced by the market. Today it may be $18.20 per ounce and tomorrow it could be $75 higher or lower. For that reason, you buy it at whatever the "Spot" price is when you make the transaction. However, if the Spot price is $18.00 an ounce, you will NOT be paying only $18.00. There is a premium over Spot that accounts for the melting and minting of the silver, as well as the commission of the dealer. Beware (and read to the end of this report), because the premiums you pay can vary a great deal. Don't trust anyone who is going to sell it to you.

When buying silver, you can choose between bars from 1 to 100 ounces, or rounds ("coins" issued by a company that does not have minting authority of a government), or coins. Buying a single ounce coin that is supposedly worth $5000 because it is so rare is a risky prospect: who knows if someone will want to pay that much when you want to sell it. The best bet is to stay with a bar, round or coin whose value is the intrinsic value of the metal itself.

The most easily identifiable and 'coin of choice' is the 1 ounce silver American Eagle. Everyone knows these and you will never have any difficulty selling them. The only downside is that they come at a premium. The premium on Eagles can be as high as $2 per ounce.

Bars and rounds are available from a multitude of different companies. How do you choose which one to buy from? The best way is to consult with a few local coin dealers and ask them. They are the local experts and will be best able to tell you what is commonly accepted without hesitation. APMEX, Silvertowne, Johnson Matthey, Sunshine and Englehard are commonly accepted, but there are many more. Do your own research.

The one thing you MUST do before paying for silver is ensure that there it says.999 Fine (this is investment grade silver) and that it clearly states how many Troy ounces it is.

Where Should I Store My Silver?

Paying 'vault charges' to let some company store your silver for you is not a good idea (remember, you have to trust these bankers...), so obviously you want to store your silver yourself. Many people immediately think of a bank safety deposit box, but others are skittish. If there is an economic meltdown, history shows us that a bank holiday would be declared and you can't retrieve your silver from a bank that is closed. Furthermore, when banks fail, there have been cases where it was not immediately reopened under the ownership of another, FDIC selected bank. In such a case, it may take a long time to get any possessions from a safety deposit box.

Home storage of your silver is not without its problems. First off, you must worry about robbery. If some bad people get ahold of records and find out that you have bought silver, or if you or someone in your family mention it to anyone, you could be paid a visit by some gun wielding thugs. This happens all the time in countries that have experienced economic collapse. A fireproof wall safe will do you no good if a man holds a gun to a loved one's head demanding that you produce the silver... Many insurance companies will NOT cover more than a couple hundred dollars worth of cash or precious metals, whether the loss is from theft or fire. Do your homework.

A lot of people have taken to the old fashioned "bury it in the backyard" approach. This is made easy with a simple length of PVC pipe and two end caps from the Home Depot, which makes a great burial capsule. However, a bad guy with a metal detector will find it in no time if you have loose lips!

Where Should I Buy My Silver?

As of this writing, there is no reporting or record keeping requirements for purchases of precious metals of under $10,000. Even then, it is only cash purchases of over $10,000 that require any record keeping, due to the Patriot Act. For this reason, it is best to keep each transaction under $10,000. For security purposes, some prefer a local dealer (since there is no need for your to give your name and address), and some prefer a national dealer (which means that nobody in your locale knows that you bought silver).

Most local coin dealers are not in the business of dealing with a lot of silver. Think about it: there is a huge risk in maintaining an inventory, as the price fluctuates every single hour. Because of this, most local coin dealers charge a high premium over Spot price.

There are many online dealers, including those with radio advertising campaigns featured on the nationally syndicated talk shows. Shop around. The premium you will pay over spot will vary widely, and will also depend on the quantity you buy. It is important to find out what the shipping charges are, as this can add substantially to your effective per-ounce purchase price.

There is always risk in any investment. While it seems that silver presents the best hedge against the coming Depression, each person should consult their own financial advisor and nothing herein should be construed to be legal or investment advice. It is everyone's responsibility to do their own research into the financial and legal ramifications of investing their own money.

Disability Awareness Night at Sun Devil Stadium danny Blake accustomed 2010 EP Maxwell Schleifer Award

PUBLIC ADDRESS ANNOUNCEMENT ASU -- November 13, 2010 Disability Awareness Night Pre-Game Ceremony Good evening Ladies and gentlemen -- We ask that you focus you attention to mid-field please. Arizona State University, EP Global Communications, Inc. the EP Foundation for Education and the Dollarhide Financial Group / MassMutual welcome you to Disability Awareness Night at Sun Devil Stadium. EP Global Communications, Inc. is the publisher of Exceptional Parent magazine, a two-time Folio and Consumer Health Publishing Association of America Gold Medal award winner. Exceptional Parent magazine is the nation's oldest and most respected monthly peer-reviewed journal dedicated to practical, therapeutic, and inspirational information for families, educators, and healthcare professionals serving the special needs community. We are here to honor people who are part of your community for their extraordinary inspiration and contributions to improving the lives of people with disabilities. We are also honoring the 54.6 million Americans who are classified as having a disability or special health care need. With the support of our National Sponsor Massachusetts Mutual Life Insurance Company (MassMutual) and their unique SpecialCare program, it is a great pleasure to co-host the presentation of the EP Maxwell J. Schleifer Distinguished Service Award to Danny Blake. The Easter Seals Blake Foundation is honored to have nominated Danny Blake for this award. Danny Blake recently celebrated ...



http://www.youtube.com/watch?v=GBaD5w2mkF0&hl=en

Why Aren't More Agents Talking About Life Settlements?

Many agents have never spoken to a senior client about life settlements. Why so little interest in this valuable financial planning tool? For starters, not every agent is allowed to discuss the life settlement option with a client. Insurance company or broker/dealer prohibitions close the door for these agents even though a life settlement may be in the client's best interest. Let's examine some other possible reasons.

Reason #1 - "I am not familiar with the life settlement concept."

Agents need additional training in these transactions to feel comfortable discussing them with senior clients. Continuing education has not been available until recently. At least two life settlement providers have training programs approved in some states. Industry training has been available for some time. It is incumbent upon life settlement brokers and providers to offer training programs. The key is developing relationships and providing a turnkey solution, including compensation.

Reason #2 - "I'm waiting for the issue to come up."

A client may complain about the annual life premium he just received in the mail, but he probably never heard of a life settlement if you haven't brought it up. Traditional mass media outlets don't cover life settlements. Business editors and producers appear to be confused by the concept or have a vague memory of people losing money in viatical (terminal illness) settlements. The effect of this news blackout is that the senior never hears the term "life settlements" and doesn't know to ask the question to the insurance agent.

The sad truth is that many seniors are orphaned policyholders with no servicing agent. Their only contact is with the issuing company, virtually ensuring that there will be no chance of being presented the life settlement alternative. If you are in front of a client who may qualify for a life settlement, simply ask, "Has your life insurance policy been reviewed recently?" That question will be worth its weight in gold.

Reason #3 - "I manage assets. I don't do insurance."

This is a common objection from broker/ dealer financial advisors who don't understand that an insurance policy is an asset to be managed like a mutual fund or stock and bond portfolio. If you are a wealth manager and don't understand your client's life insurance holdings, you may be putting other assets at risk. Not all investments perform as intended. Poorly performing investments are often sold and replaced by other investments. A life insurance contract may also perform poorly. Perhaps, at inception, the policy illustration was shown with a projected rate of interest that is no longer attainable. The scheduled premium may no longer support the illustrated cash values or even the death benefit.

An insurance agent or financial advisor should perform an annual policy review with current ledger illustrations to make sure that policy premiums are adequate to maintain projected cash values and the death benefit. The policy review will also raise the issue of whether the coverage is adequate. Policy management also addresses the issues of replacement, insurability, and possible tax consequences.

Reason #4 - "I prefer to recommend a 1035 exchange for replacement."

This objection tells me that the agent does not understand the value that a life settlement creates or the tax consequences. Nearly half of all life settlement proceeds go into acquiring new policies, according to the Life Insurance Settlement Assn. If new insurance is to be acquired, is a 1035 exchange better than a sale in a life settlement transaction?

There are no current tax consequences to a 1035 exchange. The basis in the old life contract is transferred to the new contract and the old policy is traded in at cash surrender value to acquire the new policy.

In the sale of a life insurance policy, there may be a tax consequence upon sale if the proceeds exceed the cost basis. However, to make the comparison fair, the after-tax proceeds must be compared to the existing policy's cash surrender value. No taxpayer is in the 100% tax bracket. Also, incremental after-tax gains via sale are almost always greater than the cash surrender value. By definition, a life settlement must be greater than cash surrender value. This means that a qualifying senior has more money at their disposal to acquire a new policy. Historically a life settlement runs an average of 200% to 300% greater than cash-surrender values. While every case is different, comparing 1035 exchanges to a possible life settlement is the right way to approach policy replacement.

Reason #5 - "I don't understand how fair market value is created."

As mentioned earlier, there is an enormous spread between a policy's cash surrender value and fair market value. In real estate, the buyer and seller negotiate fair market value. The seller lists at one price, the buyer counters with a lower price, and the selling price is somewhere in the middle.

Contrast that with the competitive bidding process in the secondary market. The highest bidder gets to present a life settlement offer. Wouldn't it be nice to have 10 potential buyers bidding on your house the way they bid on your life insurance policy? A policy's cash value represents the bid of one buyer - the issuing insurance company. Do you think this valuation would be higher or lower than competitive bid?

A health arbitrage also creates the valuation gap. Insurance policies are priced based on the insured's age, sex, and health at the application date and subsequent health changes cannot be anticipated or accounted for. A buyer in the secondary market looks at the insured's current health and how health issues affect life expectancy. There is an inverse relationship between policy valuation and life expectancy.

Reason #6 - "I'm not sure how to market this product."

The market for life settlements is the senior who is generally 70 or older with a health issue that has developed since the policy application date. Institutionally funded life settlement providers buy policies on an insured with a two-year to 12-year life expectancy. Direct marketing to seniors whom you do not know may be ineffective.

A financial seminar can be an opportunity to discuss these transactions to the right audience as long as there are other topics on the table. It is much too narrow a topic to be the focal point. Not every senior owns a life insurance policy, not every policyholder qualifies, and not everyone is interested in disposing of a policy. The life settlement topic makes a good bullet point on a seminar agenda with a brief mention that it is a new idea that could generate cash from a dormant asset.

If senior seminars are not for you, there are other marketing ideas to consider. Approach CPAs, estate attorneys, and trust officers in your network about life settlements, positioning yourself as an expert. Chances are that they have never heard about life settlements or they are only slightly familiar with them. You will add value to their service offerings and will introduce them to a new concept, putting yourself in a favorable referral position.

Mention that corporate-owned policies and trust-owned policies can qualify for potential sale in addition to individually owned policies. This will trigger client prospects in their minds. You could publish an article on life settlements in a local business journal making sure your byline includes contact information. You also may want to market life settlements to those who provide other services to seniors, perhaps those who offer senior healthcare services or those who organize senior activities. Offer a compensation incentive for them to recruit prospects for you.

Finally, connect with the planned giving officer at your alma mater or local university. Universities frequently receive life insurance gifts. Most would prefer getting the cash now to waiting years to collect a benefit. A life settlement gives the university the opportunity to get immediate cash. Perhaps the university could send a letter to alumni who are approaching the age of 70 about making gifts of the proceeds of unneeded or unwanted life insurance policies. The tax deduction for donated assets is the fair market value of the asset. The deduction for the cash donation of a life settled policy would be larger than for the donated policy itself.

Selling a new financial service requires awareness, then familiarity, then expertise, then planning and creativity, commitment, and follow-through. It is not too late to add life settlements to your arsenal of product ideas. Remember, the very first Baby Boomer, who will not turn 70 until 2016, will soon be followed by millions upon millions more.

Investments in Costa Rica - Not Exactly What You Think

Investments in Costa Rica?... isn't that an island?...somewhere in the Caribbean?

My wife and I moved to Costa Rica six years ago from the frigid climate of Minnesota where we had owned a printing business for 15 years. For as long as we could remember we had worked 12 hour days and spent most of our time figuring out how to stay even...getting ahead wasn't even in the cards.

Then 9/11 happened. And for us it was an epiphany. Life was too short to spend the balance of our lives on a treadmill that went nowhere. We accelerated our retirement plans by almost ten years.
And over the next year we sold everything we owned and eventually found ourselves in Costa Rica (which, mind you, we had only visited once previously...and on vacation at that !).

Stupid? In retrospect, sure. To move to a foreign country where we knew no one, didn't know the language and our only exposure was the internet? Of course, it was stupid.

But...we loved it, even in spite of the fact that life here was completely different than the books portrayed or the internet showed. We rented a small home about an hour outside of San Jose in a community which was rural, coffee country and yet still large enough to have a hospital and within 45 minutes of the main airport.

And we purchased land...and we built a house. And luckily, Rhonda had the temperament to deal with the local builders, even though we didn't understand much Spanish. I still remained a type A and the manana attitude drove me crazy.

And much of the real estate and construction business was definitely not in any "how to..." book that we ever found. And we definitely made mistakes. But luckily they didn't hurt us TOO much financially. And we asked a lot of questions and we learned, little by little, how the real estate market functioned in Costa Rica.

And we decided that we wanted to let others know the things that we had to learn the hard way. We started a real estate company whose sole aim was to present properties which reflected prices that locals paid...because there is a two tier real estate market in Costa Rica...one for "gringos" and one for Ticos (locals, as Costa Ricans call themselves).

Because there are very few rules or regulations for real estate here, our "exposure" of the market didn't make us very popular with other real estate people. (remember, Costa Rica is a VERY small country...about the size of West Virginia or Houston). So our website didn't exactly endear us to local agents who were used to charging whatever prices and commissions that they thought the traffic would bear.

And slowly we began to get a reputation...admittedly, some was good, some bad...depending upon who you talked to. And we began to get publicity...unsolicited publicity from magazines like Newsweek and Investors Business Daily. And our business grew. And grew some more.

As our business grew we began to meet more people from Costa Rica...some influential, some not... some quality, some not. And we became exposed to many more types of investments that were totally foreign to us. And we learned who really "controls" the country and which people control investment capital and have the influence to make policy. To illustrate how much of our education was "coincidence" (and I personally do not believe in coincidences... I believe that they happen for a reason) our third attorney was introduced to us purely second hand at a local gathering; "coincidentally" his wife was from Minnesota...Rhonda was then invited to a weekly gathering of "gringas", all of which married Ticos 35-40 years ago and who have now ALL become very influential ; e.g., Minister of Finance; Minister of Agriculture and two other former cabinet members.

Because of our real estate organization (see it here: http://www.cr-home.com) we are able to see daily what people are seeking and watch the ebb and flow of interest. And not only are we able to gauge areas of interest but also types of properties or homes that are attracting the most interest...e.g., we know that beach properties or condominiums at present are receiving very little interest and the high end beach properties sales are very slow. We have our own hypotheses as to why this is occurring but we are dealing with "what is", not what we think "should be"...nor do we look for esoteric explanations to explain the status. We are big believers in the KISS philosophy..." keep it simple, stupid."

Over the past three years we have made a number of investments here...none have shown a loss and others have turned a 100% return within a 60 day period. Some have unrealized profits. We have yet to take a loss. Please understand here that we are not professional investors (if there indeed is such an animal)... we have simply taken advantage of situations that we consider to be extremely low risk. WE ARE NOT SIMPLY "HOPPING ON THE COSTA RICAN REAL ESTATE BANDWAGON"...because if we had done that, we would have already lost a significant amount of money.

Let me explain...
Our website and mission statement is all about value...and it is about education and knowing "the good, bad and ugly" BEFORE buying. Too many people get caught up in the emotion and beauty of Costa Rica and buy on impulse. And these are the people that ultimately run the risk of losing their entire investment. (con men and fraud exist everywhere but are more common here simply because of the lack of comprehensive rules and regulations concerning real estate and construction). That being said...we attract a different type of clientele...one that typically wants to ensure that he gets the most value for his or her money....and definitely not one that is an impulse buyer. We deal primarily with the "baby boomer" who is looking at Costa Rica as a retirement destination AND the buyer who wants to ensure that he or she gets the most value for their investment.
And the above paragraph illustrates the best, most concise reason why our business is almost recession proof and not affected by the "subprime crisis" and will allow us to continue to capitalize of various forms of investment in Costa Rica.

So...now that we have established our background...WHY are we recommending Costa Rica as a basis for specific types of investments?
We are not attempting to "sell" Costa Rica because we expect anyone who is examining Costa Rica as an investment to do their own due diligence. So...
- Costa Rica is home to the longest running democracy in Latin America. Its stability is unquestioned and it is allied closely with the U.S.
- Almost a third of the land mass of Costa Rica is set aside for national parks. Costa Ricans themselves are huge lovers of wildlife, flora and fauna.
- There is virtually no mineral exploration and absolutely no oil drilling in Costa Rica for environmental protection.
- The literacy rate in Costa Rica exceeds that of the States or Canada.
- Medical care is superb and available to everyone...even to those who are unable to pay.
- Costa Rica is more familiar to Americans than nearly any other foreign destination...for vacation. Nearly everyone who has visited Costa Rica wants to return and, in fact, Costa Rica has the highest return rate for vacationers of any other destination in the world.
- While Costa Rica is technically a "second world country", its infrastructure is excellent.
- Costa Rica's economy, while operating at a deficit, is in excellent shape.
- Costa Rica has no standing army, thus expends no funds on a national defense.
- Costa Rica espouses family values and many visitors liken it to the States from the 50s. The pace of living is slower and the Costa Rican people (Ticos) have different values than their counter parts in America and Canada.
- There are literally dozens of microclimates within a two hour drive from anywhere in the country. Where else can you drive for a day and see two oceans, several volcanoes, sandy beaches, mountains, waterfalls, lakes, rain forests, cloud forests, agricultural land, hot springs, wildlife preserves, and much much more...?
- Cost of living estimated at approximately 30% of equivalent lifestyle cost in the States or Canada.
- An estimated 30% of the population speaks or understand some degree of English.
This is only the abbreviated version of the positives of Costa Rica...other countries such as nearby Panama, Nicaragua and Mexico are attempting to woo the "baby boomers" but OUR belief is that the "blue chip" of Latin American investment will almost always win out. Just because land in Nicaragua or Panama maybe 20% cheaper or because the government offers one time incentives to expats....does not necessarily mean that it is worth the risk of your hard earned savings. Weigh the pros and cons. Some say that Costa Rica is overpriced...some say that its time has passed for investment...we say "take a look at the number of people that visit here...and that return...do your homework...then make your decision."

Okay, we have subjectives about Costa Rica and why people visit here and keep returning. Now we need facts.
During the first six months of 2008, more than 125,000 foreigners visited Costa Rica...and this is a 16% increase over last year. And remember, this is in a so called recession which is worldwide. Don't believe that the trend will continue?...try this: ask your friends what their impressions are of Costa Rica or what they have heard ABOUT Costa Rica. I can guarantee that the responses will be overwhelmingly positive. Subjective ? Yes, but still highly convincing and you will not get these types of responses from any other location or destination.

Numbers of weekly airline flights are climbing...ranging from American Airlines with 43, to Continental with 25, Delta with 24 down to Spirit and U.S. Airways each with 7. This does obviously not take into account visitors from other parts of the globe. Currently, the States and Canada account for over half of all visitors and tourists to Costa Rica. Europe accounts for nearly 20% and the rest of the world, the balance. This is another good rationale why our business is expanding instead of collapsing like many of the local pundits have predicted...the slowdown in the States is more than counterbalanced by Canada (which is experiencing a VERY strong economy and a very strong currency) and Europeans... who are also experiencing gains with the rise of the euro vs. the dollar and other currencies. The Costa Rican real estate market is simply not dependent upon one country or group of people to experience strong real estate interest. And please also keep in mind that Costa Rican real estate is a microcosm of Economics 101...the areas of interest for the "boomers" and second home buyers are small and it is easy to see that there are more buyers than sellers (which is really what the markets are all about... remember our KISS theory?)

We have established statistically that more and more visitors are arriving in Costa Rica. Now we need to establish a base for our investment philosophies...and it is primarily centered upon the huge number of "baby boomers" which are just beginning their retirement years. We do not need a huge elaboration as to why "boomers" are examining overseas destinations in increasing numbers...but here are a few of the major reasons:
- Cost of living...it is no surprise that costs of almost everything are climbing daily. The equivalent cost of living in Costa Rica is roughly a third as much.
- Medical care is excellent and only at a fraction of the cost.
- There is a tremendous amount of diversity here and an almost unending list of activities and sightseeing which is available daily...you will definitely never be bored!
- Stable government and environment.
- High literacy rate and people are genuinely friendly.
- Only a short plane ride from the States.
- Infrastructure is good and water is drinkable everywhere in the country.
- The banking system is excellent and safe.
- There is a huge amount of flora and fauna here which is literally unequalled anywhere in the world...and over 25% of the country's land is set aside for national parks.
- Land and construction is still extremely affordable by comparison.
- Crime is still relatively low, especially when compared to its counterparts and "competition".
Okay, now that we have established that Costa Rica is a viable, growing and stable marketplace AND that the "boomers" have the potential to have a major influence on the marketplace in Costa Rica...let's pinpoint specifics which will allow us to make significant investment gains:
Most "gringos" say that they would prefer beach living. The reality is that over 50% of all people who buy on the beach sell within five years. We have found over the past five years that most gringos prefer acreage with the following features:
- Views...either the ocean from a distance or the Central Valley
- Access to good medical and professional services
- Not "too remote"
- Good shopping and dining accessibility within a reasonable drive.
- Internet availability...good infrastructure
- More moderate temperatures
- More rural than urban but still amenities available closeby
- Within a "reasonable" drive to an international airport.
- Private, but not too private; i.e., neighbors nearby but not TOO close.
- At least half to an acre of land...river, waterfall or lake if possible.
- Fruit trees and other vegetation a major plus.

With the above in mind, Rhonda and I settled in Grecia which was approximately half an hour from the country's major airport, 45 minutes from a first class hospital (yet only 10 minutes to a municipal hospital, in Grecia). We chose to be in the mountains overlooking the town and the Central Valley. Major shopping was 45 minutes away as was "better dining" and (for me) bookstores. Notice how we fit the above "profile"? BTW, we also had a river on our property. Why do we bring this up here?...because our "property preferences" were (and are) the same as 80% of most gringos that move to Costa Rica to retire (full or part time.)

Next factor: there are very very few rules and regulations when it comes to real estate and construction in this country. There are ways to protect yourself legally but there are no sure methods of ascertaining what is a "fair and honest" price. There is no MLS system and there is not a system of comparables. For the most part, real estate is bought and sold the way it has been for decades...primarily word of mouth. This is specifically why people flock to the real estate industry...because of "net selling" or the simple fact that it is almost impossible to know what is a fair price. (net selling refers to "marking up" a property over and above what the seller wishes to "net...very commonplace here.)

Next: There are very few American style houses for sale here... and Tico houses simply are not satisfactory for 98% of "gringos" that move here (lower ceilings, smaller rooms, not enough land, no 220V power, no views, etc). This obviously brings up the logical conclusion...if there is a market, and it appears that it is highly skewed in favor of the sellers...is there an opportunity here to capitalize on that imbalance? (for those of you who are thinking ahead here...remodeling is difficult because almost all construction here is block and steel and all wiring and plumbing is encased in concrete...remodeling costs actually exceed "STARTING FROM SCRATCH".)

Because there is a two tier market here...one for locals and one for "everyone else" it is important to ensure that pricing received is comparable to others of comparison (as much as possible in a country where "comparables" are simply conversation over coffee.) A "gringo" certainly can look for his or her own property but it is almost a guarantee that prices will be at least 50% higher as locals share the common perception that "gringos" have money trees "back home" and that we will pay almost "any asking price" because we don't know the culture or the area.

And remember we know the markets...who is buying, what they are seeking and what they will pay. And then obviously the determination has to be made if it is possible to make a profit.

The last item to take into account is the simple fact of Costa Rican land itself...without the "gringo factor". Ticos (Costa Ricans) are accustomed to an inflation rate of around 12% annually and many compensate by buying additional land and simply holding hard assets. And when selling, Ticos know that if they do not get their price today...they will in six months or in a year. The trick then becomes to truly know the markets and to be able to take advantage of buyers that MUST sell and that need money.

On to "brass tacks" and specifics...
1. The void of, and lack of, American style houses in many areas is crying to be filled. The following is a quick "down and dirty" summary of approximate profits to be made from such an investment: Land cost: (one acre...view property in Grecia or environs) $50,000; American style house of 3 BR, 1500-1600 sq. meters: $75,000...misc costs including architect, utilities and landscaping: $10,000. Selling price: $190-195,000, possibly more. Estimated gross ROI (before payout to limited partner or construction supervisor)...50%.

2. Smaller developments can be even more profitable...we prefer to stick with a much smaller number of homes as it is more manageable and you fly under the municipality's radar...nothing illegal, just avoiding the possibility of locals swarming around with their hands out. Typically, we raise money in smaller increments (shares) as the amounts normally exceed $250,000.

Profit estimates here are extraordinary.
3. Oftentimes, at least bimonthly, we see a property at an extraordinary price...one that we know is substantially below market value. Sometimes these properties can be resold almost immediately...other times they involve buying a larger piece and reselling smaller units of land. A good example is a block of four quarter acre beach front parcels which are titled and located only 1 ½ hours from San Jose on the Central Pacific coast. The owner is in the States and is admittedly desperate. The units can be picked up as a whole and resold for at least a 50% profit (our opinion). They are RARE and gorgeous.

4. Recently, we were contacted by the owner of a small house in Grecia. We had previously listed it at a decent price...but no takers. It has a gorgeous view and the house needs probably $5000 worthy of work. In our opinion, the owner is now willing to sell for close to land value only. Not a huge winner, but percentage wise, probably a 50% profit is available. Estimated ROI to the investor...50%+

5. Occasionally we are shown properties which have a "glitch" in their titles...not major problems but simple filings to correct them. "informacion processoria" properties are normally those which have passed down from family member to family member over the years without doing proper registration or filings. It is a simple matter for a competent attorney to correct the oversight (and, in many cases, it was simply not done for lack of funds). These properties can oftentimes be had at substantial discounts. A good example is a property currently being offered of nearly two acres just on the outskirts of San Jose...a suburb called Aserri. The property HAD to be sold (family financial emergency)...asking price was actually less than 20% of what comparable properties were currently selling for ADJACENT to this property. Estimated "fix" time is six months...properties like this do not often surface and, most of the time they are "no brainers".

Now, we are the first to admit that 99.9% of people that read about these investments are not able to do them themselves. This is why we have typically set up "arrangements" or agreements to handle the everyday details and carry the project from start to finish. Obviously, investments such as the Aserri property, or others that are shorter term investments that can be resold quickly, do not need "special handling".

Hopefully, this investment overview has sparked your interest. We have met nearly all of our investors...some before the physical and actual investment, other afterward. We have an annual pigroast in January and typically nearly all of our investors along with friends and neighbors from Costa Rica get together for fun and an overview of each investment status. In the past it has been a huge hit...plus of course, it is a great excuse to come to Costa Rica.