Allen was from the old school. He felt computers weren’t safe when it came to banking and his personal affairs. He used his computer as a social network to make new friends and socialize with people. Everyday Allan and King walked several blocks to his unsecured mail box looking for that tax return. October rolled in and no tax return. He called his Tax Preparer only to learn that the tax return had been sent electronically.
The news report suggested Allen pay for a secured Post Office rather than take the chance on having a Phantom of Identity Theft steal the mail from the mail box down the road from his house. He felt it was a waste of money to get a post office box, Allen knew all of his neighbors, and trusted them. At tax time, he instructed his tax preparer to have his refund sent to his home rather than use electronic transfer.
11. Turnover scam: This is when the dealership sends over many different salespeople hoping to wear you down and get you to hurry up and buy. This is also called harassment. Avoid this by threatening to leave if they don’t stop it.
The money can be invested so it can be drawn upon as needed, it can be used to pay off the insured’s personal debt, it can be used to maintain the family’s established quality of life, or it can even be used to pay off a mortgage.
The insurance company is going to offer a better rate to someone who is healthier because they pose less of a risk to the company’s bottom line. As a result of that, you are going to want to take proactive steps towards making yourself healthier. Joining a gym can bring down your costs of your life insurance. Obviously, just getting in regular exercise is going to increase the chances that you are given a clean bill of health. These are just a few of the things that you should consider if you are going to try to bring down your life insurance premiums.
Understand, too, that there are people who make fraudulent claims. That there are people who did not read the contract and make claims. If you were an insurance company, you’d also have people looking comparing claims and contracts, looking out for legal reasons not to pay. Like insurance companies, you’d be giving out bonuses to those employees who find the most legal ways for you to not pay a claim.
People narcissists victimize need to know what hits them. Society needs awareness of this disease among us, so that people who behave this way no longer pass for normal and are no longer free to abuse to their heart’s content so long as they never lay a hand on anyone or commit character assassination so long as they whisper to one listener at a time, leaving no willing witness to finger the assassin.
The sad thing is that preparedness really is that important, but schools only have so much time and budget to teach the things they already do. This is one of the many things we’re trying to change across the country, but for now, you’re going to have to not only realize the importance of thorough emergency readiness, but to teach your family yourself.
Compare premiums and policies. Make sure you are comparing apples to apples. One company may seem like they have the cheapest term life insurance rates, but they do not guarantee the rates for the full term. Another company may seem more expensive, but they guarantee they will not raise rates for the whole length of your policy. Be sure you understand the rate guarantee, and the type of policy you are buying.
This stems from the fact that most people don’t realize that they are borrowing their own money. The “agent” (of the insurance Matrix) rarely will explain it that way. You see, one of the ways that companies get rich, is by getting people to pay them, and then turn around and borrow their own money back and pay more interest! Home equity loans are another example of this, but that is a whole different sermon.
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