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By Robert D. Cavanaugh, CLU

Most people do not know they can sell an insurance policy. There are companies that will pay you more than the cash value. Even term insurance, which has no cash value, is a candidate for purchase.

This transaction is called a life settlement. Life settlements have been on the scene since 1995; they are not new. While the purchase is facilitated by an insurance company, the buyers typically are pension and institutional funds which hold the policies in their investment portfolios.

Here are three common reasons why a person would sell their insurance policy

1. The policy has outlived its usefulness.

78% of all insurance is purchased for family protection. Families with children insure the breadwinner(s) until they have had the time to build up an estate or an adequate 401(k) plan to provide for the family, pay off a mortgage and educate the children. Most people have been there and done that.

However, later in life these needs may have disappeared. The house is paid for, the kids have been to college and your 401(k) plan has a balance ten times greater than your life insurance face value.

Rather than continue to pay premiums, or surrender it for its cash value, you can sell it for more than the cash value. Buy a boat, take an extended vacation or go down to the dealership and plunk down cash for that car you have always wanted.

2. The policy has a large loan.

There are three common ways a policy can acquire a large loan.

First, at some point you simply took a maximum loan against your policy. It could have been to satisfy an emergency, take advantage of an investment opportunityany number of things. But the loan was never repaid.

Second, you could have taken a modest loan years ago and never paid anything toward the principal. Every year, however, you received a bill for the interest due. If you are like many people, this goes in the round file and you never pay the interest. What happens is that the interest gets added to the loan. So what is originally simple interest turns into compound interest.

Over time, the loan and the unpaid interest can consume the entire cash value. That’s when you get the letter from the insurance company telling you that to keep the policy in force, you need to come up with some astronomical amount of money.

But that’s not the worst of it. When you call your agent to see what your other options might be, he or she informs you that if the policy lapses, there will be a gain (cash value less premiums paid) that the insurance company is required to report to the IRS. Worse yet is the fact that there is no money in the insurance policy to pay the tax (remember it lapsed for lack of premium payment and/or lack of any remaining values). So you are going to have to come up with the tax from someplace else. I don’t think you would consider getting this information one of your better days.

3. You own Universal Life and interest rates have declined.

Getting this news is another bad day at the mail box. This time the letter from the insurance company says that in order to keep the policy in force, you have to come up with more than you could get for your first born.

How this occurs goes back to when you bought your policy. One of the major factors in determining the premium for a given face amount of Universal Life is the interest rate assumption made in the original proposal. Remember the double-digit interest rates? You could have bought your policy during this time frame. Most insurance agents would have suggested using a lower interest rate assumption to be conservative. However, interest rates have declined to even below these play-it-safe assumptions.

The sale of your insurance policy averts all three of these problems. In the first case, you don’t have to pay any more premiums for coverage that is no longer needed. In the second, the problem you have with the loan disappears and is replaced by cash. And in the third, the probable lapse of the policy due to the fact that the premium to maintain the coverage is off the charts is offset by the cash received via a sale.

About the Author: Robert D. Cavanaugh, CLU is a 36-year financial and estate planning veteran and author of the free newsletter, “The Estate Preservation Advisor”. For cutting-edge, easy-to-understand financial planning resources and techniques to increase your income, reduce taxes and preserve your estate and to claim the free video, “How to Sell Your Life Insurance Policy for More than the Cash Value”, go to

theestatepreservationadvisor.com/rd/subscribe.htm

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By Nathan Wei

If you have weird sounding knees, this article may explain why that happens. Read on

Often patients will come to the office complaining their knees crack, or pop or snap. If your knees sound like a bowl of Rice Krispies, there are a number of possibilities.

Popping in the knees can occur at any age. Even young people will sometimes describe a popping sound with certain movements. Young women who present with this symptom along with some dull aching in the front of the knee usually have a condition called chondromalacia patella. This is a condition where the cartilage behind the kneecap softens. Usually this problem responds to conservative measures such as exercises, medications, and physical therapy.

However if the abnormal sounds are accompanied by other symptoms such as stiffness, aching, or pain, and the patient is older, then further investigation is probably indicated.

When symptoms of pain and stiffness are present, its likely there is damage to cartilage. Cartilage is the gristle at the end of long bones that cushions the joint. The knee joint consists of the femur (upper leg bone), tibia (lower leg bone) and patella (knee cap). Each of these bones has a cap of cartilage that allows the bones to glide against each other. There is also a thin layer of lubricating material called synovial fluid.

Cartilage consists of cells called chondrocytes that sit inside a matrix composed of a mixture of proteoglycans and collagen. With age, particularly if there is a history of trauma, the cartilage cells and the matrix undergo changes. Water content initially increases, then decreases. The ratio of proteoglycans to collagen changes. Cartilage cells also undergo metabolic changes. Destructive enzymes are produced and the cartilage begins to form small cracks, called fissures. Another problem is the thin layer of synovial fluid no longer functions properly.

With further deterioration, cartilage begins to flake. This leads to the creation of abnormal sounds called crepitus.

This crepitus is very apparent if you place your hand against the knee cap and bend the knee. Crepitus is due to irregularities occurring in the cartilage on the underside of the knee cap.

While crepitus by itself is not a major concern, it is something that bears watching. That is because over time the likelihood of other symptoms occurring is increased.

Symptoms of aching and stiffness often signify the presence of osteoarthritis. Further evaluation by a rheumatologist with history, physical examination, and x-rays are indicated. X-rays, unfortunately, are not sufficiently sensitive to pick up early osteoarthritis. Sometimes more sensitive techniques like magnetic resonance imaging are called for. Laboratory tests might be needed to exclude other diagnostic possibilities.

If osteoarthritis is diagnosed, a program consisting of weight control, exercise, analgesics or anti-inflammatory drugs, injections of corticosteroids or viscosupplements (lubricants), braces, and physical therapy can provide needed relief. The exact mix of treatments will be determined by the findings determined by the medical work-up.

About the Author: Nathan Wei, MD FACP FACR is a rheumatologist and Director of the Arthritis and Osteoporosis Center of Maryland. He is a Clinical Assistant Professor of Medicine at the University of Maryland School of Medicine. For more info:

Arthritis Treatment

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You have to know these in order to trade the Forex Market.PIPSThis is the smallest fraction of any currency and is used as an incremental/decremental for the currency pair. In dollar currency, 1 pips represent 0.001 Dollar. In Cross trades Japan currency, 1 pips represent 0.01 Yen. Trades are executed by entering the pips of the currency. Profit take and stop loss are measure in terms of pips also. By looking at any currency price chart, you will find the currency values in pips.Currency PairAll Forex are traded in currency pair. One currency is paired with another currency to form a paired currency and using this rate to establish the exchange between to country. Every country have their individual currency note. If you are holding on to United State Dollar and you intend to change it to Europe Euro, you will be using the USD/EUR rate.Buy or SellIn trading of Forex, you will always be holding a currency as the default or holding capital. And use it to buy or sell another currency. Due to the conversion of currency via the foreign exchange market, you can buy another currency and sell it later, or sell another currency first then buy in later. Either way you are still using your default capital money to use for the trade. As a rule of thumb, always buy low sell high, irrelevant of the time involved.Now you know the basic, you can begin trading Forex in 3 simple steps.Step 1Create a trading account with your preferred Forex Broker. The broker am using is InterbankFX Australia and Alpari UK. They are established and provide MT4 platform for trading Forex. The deposit and withdraw are fast and hassle-free.Step 2Fund your capital. Next is to get your money into your newly created trading account. The default holding currency is United States Dollars. While you can choose many other but am using USD as the main currency because of the currency pair that I normal trade are the Major and USD related currency pair.Step 3The last step is to buy and activate the Expert Advisor on your trading account. You can choose a number of program to run but there is a few which I have filtered and give good results in the long run. Simply install your MT4 and run your EA program on your trading account and see your results.The above are 3 simple steps where you dont need to go thru many hours of trading or training to learn Forex. You can see my review of the Forex Broker and the Expert Advisor program at my website. Simply choose your preferred broker, create an trading account, fund your capital, buy a EA and install MT4 and run your EA on your trading account to gain passive income.Source: http://www.bestforexranking.com

byadmin

Replacing the windows in your home is something that is not an everyday topic around the dinner table but when the time comes to choose a window company in Honolulu HI to supply and install replacement windows there are a number of things you will want to brush up on. You will want to know that the company you finally choose is one which will have provided you with excellent advice during the assessment stage and has a verifiable track record for excellence.

There are a number of salient questions that should be asked as you go through the process of selecting the Window Company in Honolulu HI that will eventually be given your business. Any top-tier window company will gladly answer all your questions and just as it makes a lot of senses to get more than one quotation; it makes equal sense to ask several window companies the same questions. It is important that you feel confident that you have chosen the best windows available and the best window company to supply and install them.

Here are a few critical questions that you should ask the candidates for your business:

* Get the full name and address of the company. If all you get is a PO Box number then insist on their street address. If at all possible try to eventually choose a window company which is reasonably close to your home, you can usually expect better service and response in the future.

* Is the company fully insured? Do not consider working with a window company that does not carry liability insurance and workers comp, these insurances will protect you in the event there is an unfortunate accident while the company personnel are on site.

* Make sure the company is licensed by the state or city whichever is applicable. Remember, having a license to operate means that the contractor has had to pass certain criteria. A business license is not the same; it is a tax requirement and bears no relevance to the skills of the contractor.

* Find out how long the company has been in business. The longer the better is the key, any company that say less than five years old might still be learning the business. Of course, every business has to start somewhere; this is when it’s a good idea to check references and the BBB to see if there have been any problems in the past that have not been satisfactorily solved.

Along with the warranty on workmanship and the company’s record in solving problems all you have to do is ask the companies that you feel comfortable with for a written proposal that fully details what you and the window company have agreed upon in full.

CCC; Custom Contracts, Inc. are a window company in Honolulu HI that have been servicing the needs of the community for over 25 years. As specialists in window replacement they have been selected to install over 200,000 windows and counting.

By Jennifer Akre

Traditional kitchen tables have always been at the center of all family activities and were considered the heart of home dcor for generations. Today, however, furniture is undergoing a transformation just like the home and the workplace. Lavish kitchen tables that can accompany large gatherings used to be the standard in most homes but now they may not be appropriate for a society that is always on the go. Fewer and fewer of us can truly sit down to a good meal every night and eat together as a family. Therefore, it is no longer necessary to have grand dining room tables that can seat large numbers of people.

Just as we are asked to multi-task, so too must our furnishings be able to adapt to multiple functions. In addition to this added functionality, modern kitchen tables must be able to adapt to the changing dcor of contemporary homes. It is no longer a given that homeowners will need or even want the traditional kitchen table made from wood and accentuated with matching chairs. Nowadays, many homes are fashioned in the contemporary style with clean lines and modern materials meaning that the tables must complement the tastes in design.

The Oregano dining table is perfect for the contemporary or casual home and lifestyle. Featuring a metal frame with curved legs bound by a triple ring center support, this kitchen table is right at home in contemporary settings. It is large enough to accommodate formal dining while small enough to use outdoors or for other purposes.

However, some of us still like the more traditional tables fashioned from wood but dont want a piece of furniture that will require a moving crew if you should want to use it in another room. Therefore, with a 40 diameter and crafted from quality hardwoods, the Dominique is a perfect compromise between the traditional aesthetics and modern functionality.

Without question, contemporary kitchen tables are undergoing a transformation in both design and function. While many homeowners are repurposing the traditional dining room and using it as a home office or spare bedroom, this has forced the kitchen table back into the cooking area. Thus, tables must be smaller and easy to relocate if necessary. Online retailers have a large selection of beautiful kitchen tables at great prices that can accommodate the needs of the modern home while still providing the perfect setting for a well-deserved and seemingly rare family meal!

About the Author: Jennifer Akre, owner of numerous sites specializing in coffee tables, console tables, and home decor, makes it easy to find contemporary and modern

Console Tables

and

Kitchen Tables

. Learn how to decorate your living room and kitchen in style-Click Today:

Only Tables.com

.

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By Dave Marx

For renovated or new homes alike, granite has grown in popularity more and more. There are many reasons for this due to the many benefits of of granites use as a kitchen countertop material. The entire list would be too long for this article, so we’ve compiled the top benefits listed below.

1. The natural beauty of a granite counter top. Vast arrays of shades, colors, and textures are available. Colors to compliment any decor can be found weather its a neutral color or something bright, your personal tastes can always be satisfied. One note here, if your counter top will need more than one slab to complete, make sure they come from the same mine batch or color shades could be objectionably different between slabs.

2. The durability of kitchen granite countertops. Granite is one of the most durable materials available. Unlike Formica, it isn’t subject to burning by hot pots or pans being cooked with. Granite is resistant to staining and discoloring when properly sealed on a regular basis. Sealing is easily done by anyone, and a properly sealed granite countertop will maintain a beautiful shiny luster for a lifetime.

3. Every slab of granite will have different feature from the next. Patterns, color textures, distribution and depth can all vary from slab to slab, providing different character. Any type of cabinet hardware fixtures can be complemented as well as cabinet finish or flooring. A richness is added to your kitchen, one that simple cannot be duplicated with other materials.

4. Although granite will add some expense to your kitchen remodel project, there are few better investments in your homes value. Using granite for your kitchen granite countertop will increase your home value, whether you’re planning on selling your home soon or not. Home shoppers are more inclined towards a recently remodeled kitchen void of repair needs. They’re more likely to pay more for the home, or go from feeling indifferent to preferred.

Builders and contractors have noticed an increase in demand for granite countertops over the recent decade or so, and it’s no wonder with all the benefits of granite. Weather using granite to enjoy the luxury yourself, or looking to sell your home, there are a few things to keep in mind:

1. Consider the decor of your home while choosing the pattern and color of granite to be used. Will you be changing the decor or do you have something new in store. Neutral colors are more flexible with any decor changes due in the future.

2. Always make sure you are the one who chooses the actual granite slab to be used in your kitchen countertop. Since every slab is different, sample chips wont match exactly what’s available. If your countertop is big enough to require more than one granite slab, make sure the slabs are from the same quarry batch. Different granite quarry batches will vary in hue for the same granite type. It would be a disaster if slabs from different batches were used.

3. Never try to recycle fixtures such as the faucet or sink. With granite applications, an undermount sink looks best – mounted on the underside of the granite, with a silicon sealant preventing leaks. An undermount sink can not be installed or replaced after the granite is in place. So purchase the best quality sink you can afford.

With these few points in mind, you’re ready to go and have your kitchen countertop transformed with gorgeous granite. Don’t be alarmed when friends and neighbors see it for the first time and gasp at the transformation.

About the Author: Dave Marx – writer for

Kitchen-Remodeling-Pictures.com

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Submitted by: Amaya Dixit

Businesses are striving to create a digital identity. Making a brand famous online amongst all the competition can be a very challenging task. Organizations need to understand their online competition if they want to carve their niche in the online marketplace. Understanding your competitors will help you gain a competitive edge that will ultimately drive sales and profits for your company

Understand Competition- Who Are They?

It is important to have a good understanding of exactly who your competitors are. You can find them by typing in your keywords on search engines and the ones that outrank you are to be considered as competition. Competitors who rank higher on SERPs with your target keywords are driving your customers to their websites. Understand what they are offering and at what price points. This may help you to differentiate yourself from the competition and bring value to your clients.

Study their Website

By surveying their website you will get an idea why they are topping the SERPs. Compare your website with theirs and work on your areas for improvement. Customers tend to visit more than one website before engaging companies. Analyse the quality of their content, know how effectively they are driving their message, understand the incentives that they offer and find what is attracting people to their website.

Know their SEO Srategies

Distinct SEO strategies play a key role in establishing your identity in the digital world. Find out your competitors SEO tactics that are helping them successfully captivate peoples attention.

Checking out the keywords that competitors are using should be a priority. Using appropriate keywords continues to be the most effective SEO technique. Find out the keywords your competitors are using and the positions where they are used like title tags, meta tags, header tags, etc.

Backlinks are highly regarded by search engines. Search for your competitors backlinks and evaluate their relevance and quality. This will let you know the potential websites from where you can earn quality backlinks.

Know their Marketing Strategies

Understand the marketing strategies of your competitors. Know how they are promoting their brand through different online channels. Check out their presence on social networking sites and see how they are engaging customers. Accordingly, you can improve your marketing tactics to drive your brands message to larger masses.

Use Effective Online Tools to undestand the Competition

To make your work all easier, there are online tools available at your disposal. Using these tools you can find out what your competitors are up to and what is driving their success. Be it their search engine performance or their presence on social media, you can know about your competitors activities through these tools.Hubspots Marketing Grader, Simply Measured, & SEMrush are a few such tools that can assist you in monitoring your competitors.

Devoting the time it takes to understand your competition may seem to be a tedious and a time consuming task, but it will present you with an opportunity for improvement. This will in turn help align you with the competition and will give you the competitive edge you need.

About the Author: Evolve Creative is a web development agency in Toronto, Canada with distinctive expertise in animation, digital marketing, SEO, Mobile app and Dedicated hiring.

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By Nik Lemmens

If you wake up smiling everyday, eager to get to work, then count yourself lucky! With long commutes, tight deadlines, and annoying co-workers, it seems that there is always something to complain about and make you dread your daily trek into the office. But if you find yourself in the position of hating your boss, what should you do about it?

How did the situation arise?

Getting stuck with a ‘bad boss’ can be as easy as having your nice boss leave and management replace him with someone else, or perhaps you are the one who has moved into a new promotion and it is your new superior who is causing problems for you. There may just have been something that went wrong and altered the relationship you had with your boss. However you got yourself in this situation, you need to figure out what to do about it.

What type of boss do you have?

First of all, you need to understand what you are dealing with, in terms of your boss’s bad characteristics.

The Smooth Talker

This manipulative boss will be more concerned about themselves, rather than the business and will lie his way to success. They will always blame others for failure, but take all the credit when something goes well.

The Workaholic

This hard-working boss will set unrealistic deadlines, assign weekend travel, and call you at home for updates. They never offer recognition or reward for your hard work, but simply demand more.

The Arrogant Steamroller

This patronizing boss uses intimidation, sarcasm, and fear as their key motivators. They will make decisions without consulting others and feel that they are always right.

The Incompetent Drone

This useless boss always seems to make stupid choices, but as they never rock the boat, they are safe in their position.

Who really has the problem?

Now, stop and think for a second. Is this really an accurate portrayal of your boss? Has anyone else in the office complained about him round the water cooler, or gone to Human Resources with an official complaint? If it is common knowledge that they are not fulfilling their role of boss in the best possible way, then you may have the right to be upset and expect something to be done about it; however, if nobody else feels that there is a situation that needs addressing, it might be time to take a look at your own personal situation. Is it something at work that is upsetting you and should be dealt with or is something going on in your personal life, such as moving house, problems with your spouse, or a baby on the way? If you think some time off would help you resolve what is causing the issue, request some leave.

What can you do? / What are your options?

File a report

Depending on your company, running off to HR may not have the desired effect, especially if nobody else has voiced any displeasure at your boss’s management style. However, if you are feeling sexually harassed or physically threatened then you should definitely report it as soon as possible.

Quit your job

Obviously this should be the last resort, but if you feel that the situation is not able to be resolved, it may be the best decision. Don’t quit before you have lined up another job and try to leave on good terms as you are bound to want good references to help with your job search.

Deal with it

Find a way to handle the situation and make your life at work more manageable, but this is easier said than done!

How can you cope?

If you are determined to stand your ground and not be driven out of your position or the company where you work, try these ways of dealing with your problem boss:

Communicate like them

learn their styles and methods of communication and imitate them. If your boss prefers formal memos or informal emails, do the same as them.

Be understanding

observe your boss’s pet peeves and make sure not to push their buttons.

Copy your colleagues

scrutinize those who are chosen for promotion and try to be more like them.

Document bad behaviour

detail any offensive comments, outbursts, etc. in case you do decide to file a complaint.

Having to deal with a difficult boss makes the workday drag on forever. It can be a chore to get up and go into the office and, in extreme cases, can lead to resignation. If you have a boss you can’t stand, before handing in your walking papers, take a look at the situation to figure out what is causing your frustration and anger. If it is really your boss who is at fault, try to deal with it before quitting your job.

About the Author: Career Journey uses a unique approach designed to understand your needs and wants in life and develops an actionable plan to achieve your desired career. Click here for more information on

Career Coaching

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Practice Makes PerfectWhen my daughter began to play the clarinet, most of the notes she played were painfully off key. Soon the notes were more or less correct, but the melody was lacking as she took long pauses to place her fingers. As she practiced, she was able to play a few simple tunes, with only two or three notes, from memory. Now she can play more complex arrangements, she can read music and translate the little squiggles and bars into counts and beats and twinkling notes, her fingers can find the notes by touch and she is ready to perform to a small audience of family and friends. Someday, she may be able to perform to a larger audience. If you have ever played a musical instrument, this probably sounds very familiar. As a writer, have you taken this same approach to honing your skill? Have you learned the fundamentals of grammar and language? Have you applied the basics to practice writings: articles, essays, short stories, journaling, writing exercise? Have you read books, paying attention to the pace of the story, the character development, the integration of plots and subplots? Have you shared your writings with trusted family and friends, soliciting feedback?No? To be a successful writer, you must practice and hone your craft. Please, dont expect your audience to suffer through your learning curve. Write just for the sake of writing. Youll gain competence and confidence and when you decide to perform in front of an audience, of agents, publishers or readers, youll be ready. Try these exercises for practice:1) Start by writing every day. A journal may be a good place for this. Sometimes its difficult to clearly articulate your thoughts, whether personal musings or story ideas. 2) Write personal essays. This is a wonderful way to capture special moments, memories and family traditions. Start your essay with I remember the day or Nothing reminds me of summer like or The thing my Mother/Father/Grandparent taught me or I learned the most about myself when I have written essays after family vacations, holidays or memorable events which I keep in a notebook for my children. This is the legacy I will leave to them. Sometimes, I add photos, ticket stubs, napkins, matchbooks or other items to the essays.3) Write an article to share your experience as a writer. The best thing you can share with others is yourself. Even if you think you have nothing to offer fellow writers, I assure you: Your words will make a difference. There is someone who needs a word of encouragement, or a helpful hint, or maybe they just need to know theyre not the only one who struggles. These are just a few ways you can practice writing. Dont expect every word to a succulent treasure to be savored by a reading audience. Every word is not meant to be published: some will be thrown away or shared with a small audience only: your family and friends. However, these words serve a vital purpose. Someday soon, you will be presenting your work to large audiences, and they will appreciate every hour of practice spent.

Plastic Surgery in Manhattan – Your Ticket to Tantalizing Looks!

by

Dr. Mark Schwartz

Many crave for the return of good times when they were young, attractive, noticed and admired by everyone around them. However, several factors like hectic lifestyles, improper food habits, and tremendous pressures often lead to early aging and other concerns like deposition of fat in specific areas of the body, offering a completely awkward look. This also could push one into solitary confinement and they tend to avoid socialization due to a lack of confidence. Some of these mood disorders are also associated with such a physical condition. However, a simple solution is now available to repair, reshape, and reconstruct the desired looks and body contours. A plastic surgeon in New York City can offer you the life you missed and literally rejuvenate that ravishing look you missed all these years!

Liposuction Cut the Fat

Plastic surgery can proffer seamless benefits and boost a healthy life with the removal of fat in the safest manner. You can literally redefine body areas where your rigorous dieting and gymnasium have given up. This also has an alleviation of health as your body metabolism is improved due to excessive fat removal. Liposuction offers a new self-esteem that you have missed in the past. You can also reduce cellulite and enhance the body tone. Liposuction is a top solution that you count on anytime.

Facelift Change the way you look at yourself

Since the dawn of aging symptoms, many people spend hundreds and thousands of dollars on beauty products, lotions, and creams. They follow every commercial on TV and embark on a never ending quest. However, there is one sure-shot way as you can get a younger looking face with fabulous facelift. You can get rid of the sagging skin and improve facial contour like never before. It helps you to tighten the facial muscles and improve overall appearance. You can count on a facelift for turning back the clock of aging.

Tummy Tuck Stand on the lighter side of life

Sometimes excessive weight gain due to medical conditions can cause you to sacrifice many important things in life. If you opt for a tummy tuck in New York City (NYC), you can shed all the excess fat accumulated in the abdominal area along with the tightening of the abdominal muscles! Various types of plastic surgeries are designed to offer fastidious solutions to all such stubborn problems. You are entitled to be perfect and plastic surgery is the best way to earn it!

Now,

plastic surgery in Manhattan

can be done in the most natural and aesthetic way with the help of renowned plastic surgeon Dr. Mark Schwartz.

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