Friday, August 31, 2007


Insurance: Is It Our Safety Net
By Yosi Dorenbush
A few people would state that the aim of Insurance is only but an original method for others so they could benefit from your years of saving your cash, without it coming to be of any real worth, for yourself, as well as your family and kids However most of the people would describe it as one of the best and most rational and further more the necessary way in order to defending yourself and your family against financial calamities as well as pushing the risks as far away to a safety net.Insurance is not just valuable for each home across the nation.It has to be obligatory! It is not only practical. It is in fact a must not only regarding your individual health or property and assets but it is also the most excellent way to save your close ones as of all of the financial or health problems that may come in the future...In the rapid times of nowadays insurance giants manage their business globally, thus allowing you to benefit from their contest in the form of special prices or also other benefits. This makes the business world (and the insurance world with it) merely as small as your internet browser. this caused the guidelines of insurance programs to lean towards alternation consequently you no longer must use the insurance agent was friends in school of your uncle and knew your father when they both had hair, today you can easily double click your way to the most fitting deal and compare costs and expenses at your own P.C.With the growing usage of internet directories you are able to link onto such a and so to discover a long list of possibilities and reimbursement posted on those sites are present for you to decide from Insurance appears in many forms ranging form car insurance to health insurance or travel insurance but all of these is necessaryThe correct phase in life for you to get insured is At the time you’re youthful as well as fit since as with years go by getting your insurance becomes a complicated task and a more personal="more personal recommendation is always use a major accepted corporation for a dependable permanent insurance however don’t hurry to signing along with the initial firm you meet, you must compare costs and benefits and also that your insurance agency member (preferably a stuff of accomplished experienced brokers) represents your interests and “consultants” with the different insurance companies so you can get the best coverage on the best price fitting your gain and not to theirs so you don’t just purchase the insurance but actually obtain one that will be there for you, since the time you will require it probably will not be the most excellent time to try to fit an un appropriate insurance plan that is valid for most and all insurances big or small your living and employment might depend on it !!To sum up, use these days to benefit from life, let your worries disappear to the hope you will absolutely never need it however be aware its there waiting to make it easier for you. Supposedly even if you never ever acquire the chance to make use of it (and I wish you never would), know that this is not funds exhausted but a sort of a penny for a harder times as a matter of speaking, an adult in life’s amusement park keeping an eye on you from afar offering you the comfort of knowing someone will be present for you.The author is a member of the Leading Links Directory a SEO and search engine friendly web site. The Ledinglinksdirectory is a human edited and also standards compliant webdirectory that will increase your page rankings. It offers an assortment of categories like business and computers or fashion and many others as well as free stuff, and free deal related quality resources. Reciprocal and paid submission options

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Tuesday, August 14, 2007


Life Insurance For Children

It isn’t easy to take out a life insurance policy on a newborn child. It goes against the emotional grain of the first weeks and months of life when parents (and sometimes grandparents and siblings) dedicate their time and energy to protecting and nurturing the precious gift they have been given. Taking out an insurance policy on that cherished, new life seems akin to making a pact with the devil, betting on death. But children’s life insurance is not a wager against life; it is an investment in life. It can make a child’s life richer, fuller, and more secure.
With children’s life insurance, time is on your side. You have years—decades, really—to build a solid financial foundation for your children. Whole life insurance is a good tool to do this because it is simple and affordable.
A whole life insurance policy will insure a child for his or her entire life, and it will build cash value over the years. The cash value is the amount the insurance company will return to the policyholder in a lump sum, should he or she cancel the policy. Traditionally, the cash value of a whole life policy will equal the face value of the policy when the policyholder turns 100 years old. For example, a policy insuring a child for $35,000 would have a cash value of $35,000 on his or her 100th birthday.
The policy’s cash value is like equity in a home: The policyholder can use it for collateral on a loan. Some companies allow the policyholder to withdraw the cash value as a loan and then pay it back later. There is no application process for this withdrawal, so no chance of being turned down based on poor credit. It is a guaranteed asset.
By the time the child turns twenty, the cash value of a whole life policy will be roughly equal to the amount of the paid premiums. A $15,000 policy with a $10-a-month premium would have a cash value of about $2,400 after 20 years. You or your child may have the option of increasing the policy’s face value on certain anniversary dates, such as when the child turns 21, while maintaining the same monthly premium.
Keep in mind that the premium rates available after a child is born are the lowest you will ever see. Insurance rates increase with age, even for children. In addition, whole life premiums are locked in when you take out the policy. They will not go up as the child ages.
If you cannot afford a whole life policy, consider term life insurance. A term life insurance policy covers a set period of time and will not build cash value. On the positive side, however, term life is much less expensive than whole life. Its only purpose is to insure against unexpected death. This is not something anyone likes to think about, but consideration must be given to all the survivors, including siblings. Unpaid medical bills and funeral expenses will affect an entire family’s finances. Life insurance is a way of protecting the financial future of all the children in a family.
Handsome_sucking [01-05]

Wednesday, August 8, 2007

05:athen sucking

Understanding Payment Protection Insurance
By Simon Lance Burgess
When it comes to understanding payment protection insurance it can be hard. Depending on where you go for the protection, you can be given very little information on the subject which could at the very worst leave you being mis-sold a policy on which you cannot possibly hope to claim should you become unable to work due to accident, long term sickness or involuntary redundancy.At the very least, you could end up paying well over the odds for a policy that only provides basic cover. As recent research from the Financial Services Authority has shown, the majority of those policyholders who have been mis-sold a policy have bought it from the high street banks and lenders who tend to sell it alongside a credit card, loan or mortgage.The key to buying the right cover for you is to shop around and thoroughly investigate the market place. Standalone providers can not only help you to save a substantial sum of money on the quote for the premium but you can get a better quality product.Payment protection insurance is taken out if you want to safeguard your monthly credit repayments in case you should find yourself out of work due to an accident, sickness or unemployment. A good policy will normally pay out for up to a period of 12 months (some pay for up to 24 months) which is usually more than enough time to get yourself back on your feet.It is essential that you understand payment protection insurance as there can be hidden exclusions in the small print. For instance, if you are self employed or over a certain age then you will probably be ineligible for cover, so always check before signing on the dotted line.Always make sure that the payment protection insurance isn’t already included in the loan. Sometimes the high street lender will include the cost of the cover without asking if you want it. If you do want the cover, then simply ask that you be given a quote for the loan without protection and go to an independent provider for your policy.Simon Burgess is Managing Director of the award-winning British Insurance, a specialist provider of low cost payment protection insurance, mortgage payment protection insurance (MPPI) and loan payment protection insurance..


04:Three to one

Review of Bourne Ultimatum
I must admit I'm a bit of a fan of the Bourne series. I honestly don't know why. I'm not the kind of person who typically likes ridiculous action with shaky cameras and loud orchestra drum soundtracks. But the writing and direction of the previous two Bourne movies really make them stand out.The Bourne Ultimatum is essentially more of the same. The same shaky cameras are taken to an even bigger extreme (I could swear I could see a few zooms in there...when is the last time you saw a zoom in a real Hollywood movie?). The big loud orchestra drum soundtracks are even louder and more intense.But those things aside there is something uniquely impressive about the Bourne Ultimatum, and that is the sense of tension and urgency. At no point does this tension seem forced by plot devices, but rather develops organically from the escalating series of events. For those of you who can't afford that many ten dollar words: The Bourne Ultimatum keeps you on the edge of your seat, but doesn't do anything stupid to make you fall out of it.One major improvement over the rest of the series is the level of competence of Bourne's adversaries. You really get the feeling that they are elite assassins out to kill Bourne, and not just a bunch of generic henchmen played by the same stunt man wearing a motorcycle helmet. Bourne is always one step ahead of them...but just barely.The movie lacks, however, in a meaningful overall plot. Bourne is out to discover his true identity, but at no point did I ever find myself caring. I just want to see him kick ass, and play cool tricks on the bad guys. When they actually get to the point about his true identity, I lost interest. It essentially didn't matter all that much, and if you've watched the first two movies his identity isn't all that much of a surprise.Normally, when a movie fails to make me care about its main plot point, I'd typically give it a pretty bad rating. But the Bourne Ultimatum is just plain fun. If you liked the first two, you'll definitely enjoy this one. Just don't expect it to break any new ground.

"Three to one" [01-04]

03:In the office

Lindsay Lohan
Haling from mixed heritage (Irish and Italian), Lindsay Lohan was born to a onetime actor, and a businessman Michael Lohan.on July 2, 1986 in New York City She was a born actress with innate talent for acting and modeling. Lohan started as a child fashion modeler for magazines and TV commercials while still in her infancy. So after her acting in a soap opera, when she made her motion picture debut as twins in Disney’s The Parent Trap in 1998, she was already an experienced performer. After her lessons from Sharon Stone, and getting even more polished in acting, she was offered a contract of three films signed by Disney. Lohan succeeded in filling "Hayley Mills"' shoes, winning over audiences with her pert charm as both the Californian Hallie and the British-raised Annie. Moving to ProfessionalismThen she went on to star in two TV movies: Life-Size with Tyra Banks (2000), and Get A Clue (2002). She also starred in the ABC-TV commercial series, which she hosted in commemoration of centenary of Walt Disney in 2001. Soon after a brief gap, Lohan was offered a leading role in another Disney’s Freaky Friday in 2003. Starring with co-star Jamie Lee Curtis Freaky Friday had all along been her biggest commercial film success throughout until 2005 earning 160 million US dollars worldwide. Lindsay went on with her first big starring vehicle, the comedy Confessions of a Teenage Drama Queen at the start of 2004, and just after two months, Lohan proved she could carry a film. The Tina Fey-penned Mean Girls debuted very successfully, recovering its budget in the first week of its release. The year 2004 also saw 16 year old Lohan branch out into the world of pop music with the album Speak, and similarly the other A Little More Personal followed in 2005. But the pop involvement did not effect her mainstream work of film-making as she starred in Herbie at the same time. Playing a miserable poetess, the young actress ably held her own against Meryl Streep and Lily Tomlin. Just at that time when the film opened in 2006, her first shot at a "grown-up" romantic comedy, Just My Luck, received little or no criticisms from the public. Seemingly undisturbed, Lohan set to work on another grande-dame comedy, Georgia Rule, in which she played a wayward, risk-taking teenage girl who is had on the mat by her stern grandmother (Jane Fonda), with whom she spends the summer. Late-night partying and RehabPerhaps fittingly, Lohan's own tardy behavior on the Georgia Rule set prompted a very public memo from the film's backers, who claimed that her late-night partying was not only endangering the shoot but an immediate cause of her being moved to rehab in early 2007. Although many critics prefer Lohan's performance over those of her rival co-stars, Jane Fonda and Felicity Huffman, George Rule still tanked Lohan’s spoilt-child routine when it became publicity generated in May the same year. According to Lucia Bozzola, the ‘All Movie Guide’ the actress’ R-rated summer crack-downs continued with the thriller I Know Who Killed Me, and made the festive rounds, these multidimensional flops were complemented by an increasingly erratic public image, as Lohan found herself involved in two DUI arrests within two months' time that same summer. Both of these incited her stay in rehab, besides capturing large-scale media attention.

~ In The Office [01-04] ~

02:Cute guy ว่าว

Jennifer Hudson - the Dream-girls’ Star

Jennifer Kate Hudson was born on September 12, 1981 in Chicago, Illinois. From her early childhood, she was an outgoing and charismatic person. At the age of 7, she sang in public for the first time in her life and started her career as a singer. She performed in a rousing gospel choir in a church as a lead of congregation. That was a real start for her, because after this, Jennifer spent her childhood appearing in various school talent shows and local music productions. Contest for the "American Idol" In 2002, Jennifer turned her passion into a profession. She was a featured vocalist aboard the Disney Wonder cruise ship. After all this, in 2004, Jennifer successfully auditioned for the third season of American Idol contest in Atlanta, Georgia. She was in the first group of semifinalists. Although her incredible voice won over fans and critics alike she only came in seventh. Her failure shocked many of her fans; even Sir Elton John stated in public that he believed racism was one of the reasons in such voting. Though Jennifer herself was happy that she had a chance to be seen in public; she believed that it's just a start for her. Jennifer made lots of friends and fans during this contest. One of the judges of this contest, Simon Cowell taped a congratulatory message to Jennifer, which appeared on The Oprah Winfrey Show. Jennifer Hudson became the third African-American who appeared on the cover of Vogue magazine with the March 2007 issue. Starring in "Dream-girls"Jennifer was absolutely right - her way to fame just started with the American Idol contest. In 2005, Jennifer Hudson got a chance to start her singers - actress' career. She easily beat out 781 other actresses for the desired role of Effie Melody White in the musical film "Dreamgirls" for which she won an Oscar, a Golden Globe, a Bafta and a SAG Award. Jennifer Hudson played a role of Effie. White, which was originally created in a legendary Broadway performance by Jennifer Holliday. Starring in "Dreamgirls" brought Jennifer amazing success and fame. She easily became one of those well-known Hollywood stars along with her film partners Eddie Murphy, Beyonce Knowles and Jamie Foxx. Deal with the Record CompanyHudson signed a record deal with Clive Davis's label, Arista Records in November 2006. Davis is thinking very optimistically about this young talented lady - he has guided the careers of such famous artists as Aretha Franklin, Whitney Houston, and Dionne Warwick. It is easy to believe that Jennifer Hudson has very good opportunities and possibilities with this record company. Jennifer Hudson is currently working to appear in the Rowan Woods movie Winged Creatures, based on the novel by Roy Freirich. It is currently filming and is believed to hit the cinemas in 2007

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Tuesday, August 7, 2007


Subprime Second Mortgage - Who Needs One
By Mike Hamel
Subprime lenders are providing first mortgages, second mortgages and home equity loans to those who don't qualify for conventional financing. Many of the more than 19,000 mortgage lenders in the U.S. offer some form of subprime mortgages.Subprime borrowers are people with a FICO score of 620 or lower. In fact, the “sweet spot” for the subprime industry consists of borrowers with credit scores between 620 and 640. Bad credit means you will pay more when you borrow money. However, a subprime second mortgage could still save you thousands of dollars over other forms of borrowing.Prior to the widespread availability of subprime loans, many deserving people with poor or insufficient credit histories could not get a mortgage. Now these folks are able to become proud homeowners as part of the American Dream.A subprime second mortgage makes sense when you don’t want to refinance your first mortgage but want to access your home equity for legitimate reasons such as home improvements, debt consolidation, medical bills or college tuition. As an added bonus, the interest paid on a second mortgage is usually tax deductible.Borrower BewareRecent research reveals that subprime mortgages are three times more likely to happen in minority neighborhoods. Even affluent minorities are more likely than whites to take out subprime mortgages. The AARP notes that older female borrowers held 45% of subprime mortgages and only 28% of prime mortgages.Some dishonest lenders will try and exploit the financial troubles of borrowers by offering easy-but-expensive credit that could lead to them eventually losing their homes. Or, these disreputable people resort to exorbitant fees, prepayment penalties or balloon payments to snare the unwary.Learn more about how to avoid Subprime Second Mortgage fraud, and get a free loan quote at Easy Second Mortgages. Even if you have bad credit, you may still qualify for a good second mortgage.Mike Hamel is the author of three business books and several articles about mortgage financing. His material is featured on sites like Easy Second Mortgages.

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