Guide to Finance

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Smart For Life Canada

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How To Handle Finances
Life Settlements, also known as life insurance settlements or senior settlements were spawned from the viatical settlement method. A life settlement is the sale of a life insurance policy covering a person who has a limited life expectancy -- normally 10 years or less. Life Settlements are usually geared to seniors 65 and older, and can offer a much better option than lapsing or surrendering a policy back to the insurance company. Life Settlements allow consumers access to a secondary market for an insurance policy that may be underperforming, unwanted, or no longer needed.



The first important tool is having the proper life insurance policy illustrations. Life settlement offers are highly based upon the amount of annual premium required to keep the policy in force for a period of time. Most life settlement companies will need a 10 year, 15 year, and maturity illustration. However, specific cases might require different time frames. It is especially important if you are converting a term policy that you also get the correct hypothetical conversion illustrations. A life settlement broker can usually assist with helping retrieve these illustrations.

Life settlements are also based on the medical condition of the insured. A proactive tool would be for consumers thinking of exploring a life settlement to begin requesting the last 3 years of medical records from their primary physicians and specialists (if applicable). Most all life settlement companies and life settlement brokers an also assist with acquiring the medical records. However, that can slow the transaction bye a couple of weeks.

The last important tool is having the correct information regarding the life insurance policy. This is extremely important for a premium finance life insurance policy. The needed information would be policy owner and insured information, beneficiary information, state issued, and life insurance carrier. Additional information would be account value, date issued, loan amount (if applicable), and current policy status. Premium financed cases will need to provide trust information, premium finance documentation, and payoff information. Once again, a life settlement company can assist with acquiring the requested information. However, it is important for consumers and professionals to understand what is needed for a life settlement transaction.

Life settlements can be a tremendous opportunity for consumers who have a life insurance policy that they no longer need, want, or would just like to free up additional capital. These tools should help you understand and speed up the life settlement process.
Smart For Life Canada
During traditional Yoga practices, students were taught to create positive thought with the power of affirmations. Saying, and thinking something, as simple as, "I am happy," can have such a positive impact on your day. Over the centuries, Yoga teachers realized the value of affirmations, because of the way affirmations changed their lives and the lives of their students.

So, how do Yogic affirmations work? Words of encouragement are thought and then spoken. This is much similar to Japa practice (the practice of constantly repeating a mantra). One of the differences between them is that Yogic affirmations are not always spiritual.

Yogic affirmations can help us with self-worth, happiness, relationships, stress, health, or anything else. So, how can a few words of encouragement change your life? Please understand, this formula has been around for thousands of years, yet, most people do not take the action to practice Yogic affirmations.

Yogic affirmations are for noble purposes, only. Remember that negative thoughts create negative energy - becoming volatile and self-destructive. Therefore, Yogic affirmations are to be practiced only for the common good.

Here is how it works: You create and write down your realistic positive affirmation. It must be something believable, and it cannot contain any kind of negative thought. Say it to yourself, continue to think it, and meditate upon it. You will then positively act upon it, when the opportunity arises.

Finally, through daily practice, you have begun to make the affirmation become reality. So, how do you do it? Below are some examples of positive Yogic affirmations.

About Happiness: My happiness comes from within, and I will smile even in the face of adversity. I will laugh often, but not at anyone's expense. People cannot take my happiness away, unless I give them permission.

About Failures: I will be successful, and I learn from my past mistakes. Solutions can be found in every problem, and I will move forward while focusing on solutions.

About Taking Action: I will wake up every day to take action toward my goal. My goal is a positive inspiration, which endures like an eternal fire.

About Relationships: I will shower loving kindness upon everyone I meet. My family and friends love me. They support my aspirations and always look out for my best interest.

Please note: If you feel you have good ideas, and this results in being constantly ridiculed, it is time to find a new circle of friends or a new company to work for. Most people cannot remain positive when their ideas are constantly undermined.

The number of possible positive Yogic affirmations is infinite. You are only limited by your imagination. Positive thoughts will create positive images of life. This will result in positive visualization, but you must act upon your vision to see it come to fruition.

Copyright 2007 - Paul Jerard / Aura Publications
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About Author
Both Grant Shellhammer & Paul M. Jerard Jr. are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.

Grant Shellhammer has sinced written about articles on various topics from Finances. . Grant Shellhammer's top article generates over 880 views. Bookmark Grant Shellhammer to your Favourites.

Paul M. Jerard Jr. has sinced written about articles on various topics from Leadership, Yoga Practice and Anger Control. Paul Jerard, E-RYT 500, is a co-owner and the director of Yoga teacher training at: Aura Wellness Center in, Attleboro, MA. He is an author of many books on the subject of Yoga and has been a certified Master Yoga teacher since 1995.. Paul M. Jerard Jr.'s top article generates over 165000 views. Bookmark Paul M. Jerard Jr. to your Favourites.
Business Travel Sales Manager
There is no reason why you shouldnt enjoy your business travel so adhering to the few, very simple business travel tips given here will make your journey more enjoyable
 
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