Question by DON R: What is the total national insurance premium amount spent by American consumers?
I know the ’06 amount of $ spent on medical care. I want to compare that amount to the amount of total insurance premiums paid.
Answer by Insurance Geek-ette
There’s no national insurance. THe only numbers I’ve seen, are the LOSS RATIOS from the companies. Insurance companies pay out in claims about $ .99 of every $ 1 they take in, in premium. Administrative expenses are about $ .20 to the premium dollar. And the difference, is made up from income on the reserves.
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Do you know what it takes to find a great relationship when you are an older, experienced, somewhat weathered grownup …and it looks like dating is just for the “young”?Being single and over forty presents its own set of terms and demands. You need the tools, skills, techniques, and courage to press through the resistance to getting out and meeting people.
And, at a mature age, there is more to it than that. If you want to date… and if you are still looking to find the love of your life…you not only are called upon to become the person you are looking for…you want to become the person your soul mate is looking for. This is the challenge, and the great gift of being single and over forty. You have reached a time in life where you have motivations and opportunities that didn’t exist before.
Unearthing and polishing the qualities required for a soulful relationship begin with considering your integrity. The poem, “The Invitation,” by Oriah Mountain Dreamer, speaks to this value:
It doesn’t interest me what you do for a living.
I want to know what you ache for,
and if you dare to dream of meeting your heart’s longing…
How closely you live your life in alignment with who you say you are, who you want to be, and the actions you take to back up your words, brings you into your integrity. The greater your integrity, the more you are able to connect with the spirit of others.
Some people are born into families that live and model integrity, and therefore, carry it with them from their childhood. Some discover their values after experiencing loss and resurrection. And others search for the answers to what comprises a substantive life in every conversation, book, class, mentoring session, or meaningful event they find for themselves. Whatever path you take, arriving at the core of what matters to you will bring a greater richness to your life…and the relationship you seek.
It doesn’t interest me how old you are.
I want to know if you will risk looking like a fool for love,
for your dreams, for the adventure of being alive…
Integrity is achieved when you have addressed the following areas:
* Completeness. You are complete when you have cleaned up your past and present. You have made your apologies, communicated your requests, changed your life in ways that make it work, and know how to keep your agreements.
Because you are complete, you are comfortable in the present, without distractions, not worrying about the past or the future.
* Balance. A balance of energy is achieved when you invest in the important areas of your life. You know when and how to devote the appropriate amount of time to your career, friends and family, community, health, fun and recreation, and spiritual life. Your goals are aligned with your values. Your actions follow your promises and your life is based on fact… not fantasy or illusions.
* Responsibility. Responsible people do not blame or complain. No one else is making them unhappy. They know it is their job to give themselves contentment, peace, and the reserves to steer their way through the rough patches. When things don’t go their way, they make the necessary adjustments so the problem doesn’t occur again. People with integrity take responsibility for all that happens to them.
Having integrity is a choice. Ask yourself:
1. Where does my life lack integrity right now and how do I know this? Am I incessantly distracted, so I don’t have to face what I am running away from?
2. What five big or small changes could I make right now that would restore my integrity?
3. What small habits could I begin doing tomorrow that would bring a big change in my life?
4. What ten shoulds, coulds, woulds, or oughts, can I eliminate from my life?
5. What other things can I let go of that I know are not good for me?
Visualize what your life would look and feel like if you were always telling the truth, being patient and kind to others, doing a good job, and surrounded by people who love and support you. This is the kind of life that makes you attractive and magnetizes people.
…It doesn’t interest me where or what or with whom you have studied.
I want to know what sustains you from the inside
when all else falls away.
I want to know if you can be alone with yourself,
and if you truly like the company you keep in the empty moments.
Being an over forty single with integrity, you know enough to realize that you are humbled by your past, mature enough to forgive yourself and others, and brave enough to embrace what lies ahead. You are ready for a real relationship.
About Tonja Weimer: Published Author: 8 Books, her latest book, Thriving After Divorce, is on shelves now. Her books have won over 25 awards.· Columnist: Weekly syndicated singles and dating columnist (over four million readers in the U.S. and Canada) · Media: Coverage on TV, including CNN’s ShowBiz Today; rave reviews in USA Today, Entertainment Weekly, Publisher’s Weekly · Author: NBC/USA TV Network, selected author for articles on dating and singles for website · Articles: In House Beautiful, New Woman, GRAND, and other national magazines · Coach: Master Certified Singles Relationship Coach; Associate Certified Life Coach; International Coach Federation; Relationship Coaching Institute; Institute for Life Coach Training · Keynote Speaker: Regional, National and International conferences in U.S., India and Europe · Academic: BA; MA in Human Development; U.S. Dept of Mental Health full fellowship
Visit Tonja’s website for more exciting dating tips! www.tonjaweimer.com
Term Life Insurance Quotes CLICK THIS LINK http://alifetimeinsurance.com Term Life Insurance Quotes *Save Up to 40% on Term Life Insurance* To Apply For Life…
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Question by mommy-to-be: How can my husband open a life insurance policy?
We recently found out we are expecting a baby and need to open a life insurance policy in case something would happen to him so we’d be taken care of. We have insurance that is paid for by his employer. How do we go about getting life insurance? Is it added to our existing medical insurance, or can we get it separately?
Answer by hadley2120
You can buy a separate life insurance policy on your own, in addition to requesting life insurance from your employer, if they offer it.
To get your own life insurance policy you can contact a local life insurance agent, or visit a life insurance quote service to request free life insurance quote comparisons online from several insurers. You can learn about term life insurance at http://www.term-life-online.com
Term life insurance offers you temporary life insurance for 1-30 years. It costs much less than permanent life insurance, because it is temporary, and builds no cash value within the policy.
Many young families choose 10, 20, or 30 year level term life insurance because it offers the most coverage at the lowest cost.
Level term life insurance provides coverage and premiums that remain the same each year for up to 30 years.
If you want, you can request life insurance from your employer, but you may have to pay for it, and if you leave your company, or get laid off, the group term life insurance plan ends. You may be able to convert it to a permanent life insurance plan, but it would cost you a lot more. And, if you waited until later to get your own life insurance policy, you may not be able to qualify for coverage if you develop a health condition.
You may want to consider a term life insurance policy for you and your husband. Imagine what it would cost to replace everything you do for your family, and will be doing for your growing family once you have a child.
Bets of luck to you and your husband. And, Congratulations!!!
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The AICPA Life & Health Insurance Entities Audit and Accounting Guide, updated as of May1, 2012, includes relevant guidance contained in standards issued through that date, supplemented with specific "how-to" recommendations that show how to apply the standards to the insurance industry. Due to the clarification in the definition
Car Insurance customer service reps… how can you tell who is the nicest? Well, our competitor’s seems friendly. And at 21st Century, so does ours. See, pup…
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- New book smell
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- Stiff Binding
Question by Renee: What is the landlord’s liability for a renter who gets a temporary above ground pool?
I have a home in Columbus, Ohio I rent to a family. They want to get a temporary pool for the summer. The property has a 4 foot fence surrounding it. I think this meets Columbus’s requirements for a fence around the pool, but I am not sure. Since the renter is purchasing the pool, do I need to have them sign something to protect me, the landlord? Should I make them get renter’s insurance to cover it? I’m not sure what to do. There are children in the home and grandchildren come to the home often.
Answer by philospher77
Personally, I wouldn’t allow the pool if I were you. If, god forbid, some neighbor kid climbs that fence, gets in the pool and drowns, you will be sued and you will be liable, because it’s on your property and you probably have more money than the people who rent. Even if that fence meets the requirements of the law, juries have a hard time looking at parent’s who have lost a child or who are facing huge medical bills (assuming that the child lives) and saying “tough luck”. Also, does the tenant pay for water? Because that bill is going to go up if they get the pool. And you are going to be facing a lot of landscaping when they leave, since the pool will kill the grass and you are likely to get a lot of traffic around it.
So, I’d tell them no, and point them to the nearest public pool.
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Department of Veterans Affairs
Image by afagen
VA Headquarters in Washington, DC
"To care for him who shall have borne the battle and for his widow, and his orphan." -A. Lincoln
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Used on home page of Federal Register ("Reimbursement Offsets for Medical Care or Services" – A Proposed Rule by Veterans Affairs Department – October 8, 2010) at www.federalregister.gov/
Used by Federal Register ("Fund Availability Under the Supportive Services for Veteran " – A Notice by Veterans Affairs Department – December 17, 2010) at www.federalregister.gov/money
Used on home page of Federal Register ("Servicemembers’ Group Life Insurance-Stillborn Child Coverage" – A Rule by Veterans Affairs Department – November 26, 2012) at www.federalregister.gov/