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Finally, if you've already handled all of your other financial goals and you still have disposable income leftover and you want to use that money to buy a permanent life insurance policy that will leave an inheritance for your children, by all means go ahead and do so. But the vast majority of people will never be in that situation, and even if you are in that situation you will likely want a policy that's specifically tailored to minimize fees and accomplish the goals you want to accomplish. Most whole life insurance policies will still be inefficient and unnecessarily expensive.
Securities and investment advisory services offered solely through Ameritas Investment Corp. (AIC). Member FINRA/SIPC. AIC and The Business Benefits Group / IFG are not affiliated. Additional products and services may be available through The Business Benefits Group / IFG that are not offered through AIC. Securities products are limited to residents of Virginia. This is not an offer of securities in any jurisdiction, nor is it specifically directed to a resident of any jurisdiction. As with any security, request a prospectus from your Registered Representative. Read it carefully before you invest or send money. A Representative from The Business Benefits Group / IFG will contact you to provide requested information. Representatives of AIC do not provide tax or legal advice. Please consult your tax advisor or attorney regarding your situation.
Where the life insurance is provided through a superannuation fund, contributions made to fund insurance premiums are tax deductible for self-employed persons and substantially self-employed persons and employers. However where life insurance is held outside of the superannuation environment, the premiums are generally not tax deductible. For insurance through a superannuation fund, the annual deductible contributions to the superannuation funds are subject to age limits. These limits apply to employers making deductible contributions. They also apply to self-employed persons and substantially self-employed persons. Included in these overall limits are insurance premiums. This means that no additional deductible contributions can be made for the funding of insurance premiums. Insurance premiums can, however, be funded by undeducted contributions. For further information on deductible contributions see "under what conditions can an employer claim a deduction for contributions made on behalf of their employees?" and "what is the definition of substantially self-employed?". The insurance premium paid by the superannuation fund can be claimed by the fund as a deduction to reduce the 15% tax on contributions and earnings. (Ref: ITAA 1936, Section 279).[27]
2. My analogy to a house wasn't intended to compare the merits of an investment. It was simply a way to explain the Cash Value of a policy, in terms that people could understand better. We many times hear the argument about Whole Life Cash value: "It's my money. Why do I have to borrow against it?" Giving the analogy of a home (or for that matter any asset of value, be it real estate, or stocks, bonds or mutual funds held in an account that allows for margin loans) helps people understand the difference between an asset that has value, to actual cash. It also helps people understand why sometimes it is preferable to borrow against an asset, rather than liquidate the asset.
Many great points and counterpoints. My two points against cash value in general is the monthly cost and the "investment". Very few people can afford that monthly premium. It is good that you can borrow from the cash value because you will need to at times to make ends meet. Because once you try to make monthly premiums over and over on cash value, you realize the extra $200 to $300 per month that is going out could be in you pocket helping to pay basic living expenses. Then the investment that does have healthy returns. I can look at historical returns for Invesco, American Funds, Fidelity, etc. that go back to the 1960s and 1970s that return an average of 10% + since inception. Why would I pass that up for returns of 5% or lower? Plus, if the policy holder is not careful, their investment can go back to the insurance company. I want my investment to go to me and then my heirs. I strongly oppose cash value as it only benefits a small percentage of the population. The vast majority of the middle class cannot afford it. Once my investments reach a certain amount, I am dropping my term policy because I am now self-insured. Pay as little for insurance(premiums) and get the most coverage (death benefit). If cash value were so good, the investment portion would pop-up in other types of insurance (automotive, disability, etc.) Life insurance is the only type of insurance where it is located and is oversold to so many people that it will not help. Anybody reading the posts in this forum are already doing them selves a service by seeking to understand. Understand that Dave Ramsey and Suze Orman are on the side of the consumers. Base don the tone of my post, you can determine who I sell life insurance for and I am proud to do it. My commission is 1/10 of what a whole life agent makes. Also, we are the only life insurance company that encourages policy holders to drop their policy with us once they have financial independence. Our whole goal is get people out of insurance premiums and direct them to investment vehicles that build wealth. BTID. Buy term and invest the difference.
Your premise is that whole life insurance is a bad investment. Fine, however, it is not a bad purchase. It is insurance and when thinking about the defined purpose of insurance then it can be a different story. Your electric service is a bad investment but think of the difficulty in living without electricity. Sure you could invest the bill amount each month into a nice Roth IRA but we seek the benefits of the service and willingly pay the bill. I suggest that people look at insurance the same. In my case and for my intent, whole life insurance was prudent. Like any car lease deal or stock purchase, there can be good and bad deals; one should not declare all forms at all points in time to be definitive. I gifted my child a whole life policy. The rates for a young person are as good as they get; she will never have insurance bills nor be without insurance. There is much left to explain but in short her $25,000 baby policy is growing $1,000 per yea. She will never have to pay a premium but will have $225,000-$350,000 payout one day while providing some protection also during the income/mortgage/child rearing adult years because I purchased it for her at the cost of $120.25 per year! No way could a poor farm kid without inheritance or wealth and limited income but high student loan debt create that kind of wealth for his children in the immediate or most vulnerable time period. To leave her in the same boat, as my parents did, is in no way wealth building. I got married and had mortgage, student loans, and large term life insurance bills because to go without any seemed irresponsible having no wealth but whole life was too expensive. So yes, it is far from a great investment but it is the most responsible gift I ever gave my child. It will not depreciate like a car and it is more certain than lottery tickets! Could I really produce that protection for her with liquidity via investing for only $120 per year? Tip: an insurance agent once told me (he should not have mentioned it) they have NEVER paid out on a life insurance policy because people always eventually let them expire and quit paying on them. Rates are so cheap for young healthy people because they are not likely to die. So this is also an exercise in discipline and responsibility not just finding the right stream to pan for gold.
Now that you have a better picture of the difference between term and whole life policies, you probably want to compare term life versus whole life insurance costs. To do so, you will need to directly compare the short and long term costs of a whole life policy and a term policy, based on factors like your age, the face value of the policy you want to buy, and whether or not you are a smoker.
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Insurance brokers represent the insurance buyer – you the consumer or business owner. They are appointed or contracted with multiple insurance companies. They have the flexibility to discuss many options and companies that meet your needs and budget. Insurance brokers have been around as long as insurance agents. In many cases people will refer to insurance brokers as independent insurance agents.
Your comment on term insurance allowing you to convert at anytime is inaccurate. You must read the conversion language as it is designed to protect the insurance company. Met life for example states " During the conversion period shown in the policy schedule you can convert this policy, while it is in force with all premiums paid, to a new policy–On a plan of permanent insurance, with a level face amount, available on the policy date of the new policy.". Some term plans won't let you convert after 10 years or if your over age 65. Imagine having a 20year $1,000,000 term plan and getting cancer in the 19th year. You want to convert but find out the conversion period ended in the 10th year. Also, the company typically determines which plan you can convert to. Maybe its just 2 plans out of the 8 they offer. What is the likelyhood of those being the best 2 plans available? Alas, no one reads the contract or the prospectus for that matter. My dad always said "the big print givith and the small print taketh away."
Calculable loss: There are two elements that must be at least estimable, if not formally calculable: the probability of loss, and the attendant cost. Probability of loss is generally an empirical exercise, while cost has more to do with the ability of a reasonable person in possession of a copy of the insurance policy and a proof of loss associated with a claim presented under that policy to make a reasonably definite and objective evaluation of the amount of the loss recoverable as a result of the claim.
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Thanks Paul. I 100% agree that it's important to read the fine print and know the terms of your contract before signing on. Convertibility is an option that most quality term policies will have, but you should understand the specifics ahead of time. So I don't think my statement was inaccurate, as much as you made the smart added comment to "read the fine print". Thanks for the input!
Response 2: OK, that's fair. There is no way to counter this perfectly if you are that skeptical, which it is your right to be. For me, I insure with a company that I have close to zero doubt about delivering on its promises. You should keep in mind that insurance investment portfolios are generally quite boring, if you've done your homework and picked a good provider. They take the float from the premiums and invest in a broadly diversified portfolio of fixed income, equities, and alliterative assets. At then end of the day, I suspect it is almost certainly a more conservative portfolio than what you're financial adviser is running on your behalf if you are a relatively young person with low liabilities.
This isn't entirely accurate. Whole life insurance isn't a product designed to replace term insurance. It wouldn't make sense to have a retirement account disappear in the event of someone passing early. This would be irresponsible on the part of an agent to suggest this. Whole life has to be used with the intent of using it as collateral for loans, enhanced retirement and for leaving a legacy. In the early years it should be set up with a term rider to ensure a family's needs will be met. Yes this is more expensive but it is a tool with an objective and if that's not the objective then whole life makes no sense at all. It is not right for everyone.
Whole life insurance is by definition undiversified. You are investing a large amount of money with a single company and relying entirely on their goodwill to give you good returns. The insurance company will make their own investments and then decide what portion of their returns they would like to pass on to their policyholders. You are completely at their whim. If that one company goes bankrupt, has some bad years, or simply changes their outlook on paying out to customers, your return will suffer.
One of the best ways to get cheap car insurance is by comparing car insurance quotes — and the companies offering them. To get you started, NerdWallet looked at car insurance prices across the country for different driver profiles and coverage levels to find the cheapest rates. We've sliced the data in several ways to give you an idea of average costs and what factors might nudge your car insurance rate up — or even better, down.
Hi Matt, I'm a Life Insurance agent and Advisor and I work for New York Life. Some of your points make sense but saying that whole life is bad is a little off. It is good for savings toward your retirement and will do a lot more than a savings account, money market or cd will ever do. So to agree with you to a certain extent I'll explain what I do for younger individuals, I'll sell a whole life policy and later it with term insurance. Basically the whole life will build a cash value with guaranteed returns and the term insurance is in the event of an untimely death. $1,000,000 of term can be as low as $50 a month. Also NY Life has never guaranteed dividends but has paid them out for 159 years, even during the Great Depression. Our company is backed by a $180 billion general account and a $19 billion surplus. So yeah, we guarantee your returns. And we don't just sell life insurance, that's why our agents like myself have life, series 6,7,63,66,65 licenses, if our clients, not customers want more than life, we diversify for them into brokerage or anything else they want. Just puttin my 2 cents in.
2. My analogy to a house wasn't intended to compare the merits of an investment. It was simply a way to explain the Cash Value of a policy, in terms that people could understand better. We many times hear the argument about Whole Life Cash value: "It's my money. Why do I have to borrow against it?" Giving the analogy of a home (or for that matter any asset of value, be it real estate, or stocks, bonds or mutual funds held in an account that allows for margin loans) helps people understand the difference between an asset that has value, to actual cash. It also helps people understand why sometimes it is preferable to borrow against an asset, rather than liquidate the asset.
After reading the entire thread, couldn't help but add my thoughts. I am a civilian here so no affiliation as an insurance salesman or financial planner in any capacity. I am however, an owner of a WL policy (one year in) which I got through a friend in the business. I admittedly jumped into this without doing the proper due diligence as more of a favor to him. I have had anxiety about this decision since, and am days away from my second annual premium payment and have thus spent a great deal of time researching and thinking about the implications of this asset. I am at a "cut my losses and run crossroads". Is this a quality asset, or do I cut and run and chalk-up the loss as the cost of a lesson learned in letting others do my independent thinking for me (two implications here are that 1) I do believe that the person who sold me this actually believes in the products and 2) that doesn't mean that he is right and any person, no matter how financially savvy, who is willing to dedicate the time, can do the research and come up with their own view). I say all of this to admit that I am biased, even if only sub-consciously, as I have tried to think in a balanced manner with regards to this decision. All of that being said, I am currently leaning towards keeping the asset in place and welcome thoughts. My current logic below.
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Accidental death and AD&D policies very rarely pay a benefit, either because the cause of death is not covered by the policy or because death occurs well after the accident, by which time the premiums have gone unpaid. To know what coverage they have, insureds should always review their policies. Risky activities such as parachuting, flying, professional sports, or military service are often omitted from coverage.
Second, what that means is that your decision should be based solely on how you expect each option to perform going forward. You can evaluate what you expect to get from the whole life policy going forward vs. what you might expect from other options, and then decide which options give you the best chance of achieving your personal goals. I can't honestly answer that question for you, but I hope some of the information in this article and others throughout the site do give you a sense of your options.
Premiums paid by the policy owner are normally not deductible for federal and state income tax purposes, and proceeds paid by the insurer upon the death of the insured are not included in gross income for federal and state income tax purposes.[28] However, if the proceeds are included in the "estate" of the deceased, it is likely they will be subject to federal and state estate and inheritance tax.
These reviews are all from Medicare beneficiaries just like you. Our clients consistently rate us 5 stars for both our up-front help, but also the phenomenal back-end support you get from our Client Service Team. We have some of the very best Medicare supplement agents in the country. These independent Medicare advisors truly care. You can read our reviews here. Notice how many of them are from clients who called us when Medicare denied their claim or rejected their bills or their doctor mis-codes a service or when they are standing at the pharmacy and can't get their medication. Normally you would call the insurance company yourself to try to figure out how to fix these things.
I am attracted to the asset based on 1) The tax diversification advantages 2) The idea of a death benefit for my family after I pass 3) the physiological trigger of forced savings 4) The "relative" liquidity/ flexibility of being able to access the money 5) The, what I view as, an acceptable rate of return "ROR" vs. the "buy term and invest the rest option" based on the relatively low risks 6) The idea of treating this as a fixed income asset that does not get taxed annually in my overall asset allocation and therefore adjusting my 401K bucket towards more equity and finally 7) The idea of a fixed investment with stable returns in the distribution phase of retirement is important to me.
Second, when it comes to investing, my experience shows that most insurance companies charge MUCH higher fees than are necessary. And since cost is quite possibly the most important factor when it comes to investing, that matters a lot. I would much rather see people using a simple, low-cost index investing strategy that's both easy to implement and backed by all the best research we have as the most likely route to success.
The state's legal environment has encouraged vendors and their attorneys to solicit unwarranted AOBs from tens of thousands of Floridians, conduct unnecessary or unnecessarily expensive work, then file tens of thousands of lawsuits against insurance companies that deny or dispute the claims. This mini-industry has cost consumers billions of dollars as they are forced to pay higher premiums to cover needless repairs and excessive legal fees. Download the full report here. Download PowerPoint here.
Our Entertainment Specialty team focuses on protecting touring entertainers, music tours, outdoor festivals, live events, promoters and professionally managed bands. We understand that our clients, several of whom are Grammy winners and Billboard Chart Toppers, perform all over the world and need an insurance partner who is flexible, understands the risks, and offers tailored insurance solutions. We make sure you have the right protection so you can focus on what you do best.
This article was 100% devoted to the investment component, but I do agree that there are circumstances where the insurance component can be very valuable. I was actually recently thinking about your previous comment, which was along the same lines as this one. I haven't run the numbers, as it's very difficult, if not impossible to find online quotes for whole life insurance where you don't have to give out your contact information. But if you're truly worried about having money available for funeral expenses, I wonder if it would be more cost efficient to set up an irrevocable trust with terms that the money in the trust could only be used for funeral expenses. Anything left over could go to the estate. I have a hunch that the one-time cost involved there would in most cases be less than the ongoing cost of a whole life policy. Like I said, I haven't run the numbers to be sure, but it would certainly be worth considering. This is actually something I could find out pretty easily with a couple of emails. Sounds like a future post!
3 The above example is based on a scenario for 20‐year term life insurance (domicile state) that includes the following benefit conditions: $50,000 death benefit, $50,000 accidental death benefit, and $12,500 seatbelt benefit. Benefits may vary by state, benefit option, and level of coverage selected. Review your state‐specific brochure below for a "How It Works" scenario customized for your state.
In the United States, brokers are regulated by the state (or states) in which they work. Most brokers are required to have an insurance broker license, which involves taking courses and passing an examination. Each state has different requirements for insurance brokers, which a broker must meet to be licensed in that state. Most states require insurance brokers to take continuing education courses in order to maintain their license.
Separate insurance contracts (i.e., insurance policies not bundled with loans or other kinds of contracts) were invented in Genoa in the 14th century, as were insurance pools backed by pledges of landed estates. The first known insurance contract dates from Genoa in 1347, and in the next century maritime insurance developed widely and premiums were intuitively varied with risks.[3] These new insurance contracts allowed insurance to be separated from investment, a separation of roles that first proved useful in marine insurance.
A Roth IRA certainly gives you a lot more investment options, with the added benefit of not starting with an account balance of essentially $0. It's important to understand though that there are always risks involved with investing, and you could lose money within a Roth IRA too. Still, while I don't know the specifics of your situation it will generally be a good idea to go with something like a Roth IRA before considering any kind of life insurance.
Redlining is the practice of denying insurance coverage in specific geographic areas, supposedly because of a high likelihood of loss, while the alleged motivation is unlawful discrimination. Racial profiling or redlining has a long history in the property insurance industry in the United States. From a review of industry underwriting and marketing materials, court documents, and research by government agencies, industry and community groups, and academics, it is clear that race has long affected and continues to affect the policies and practices of the insurance industry.[53]
In the United Kingdom, The Crown (which, for practical purposes, meant the civil service) did not insure property such as government buildings. If a government building was damaged, the cost of repair would be met from public funds because, in the long run, this was cheaper than paying insurance premiums. Since many UK government buildings have been sold to property companies, and rented back, this arrangement is now less common and may have disappeared altogether.
Response 1: This has to be the most common objection. I understand it, but I don't totally agree with it, so please give it a LOT of thought and decide for yourself. Let's begin with the idea that insurance is not an investment. That is false. It is absolutely an investment. You spend money in expectation of a financial return, the size of which is usually known but the probability of which is oftentimes unknown (because many people cancel term policies or cannot renew them before they pass away).
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Response 1: This has to be the most common objection. I understand it, but I don't totally agree with it, so please give it a LOT of thought and decide for yourself. Let's begin with the idea that insurance is not an investment. That is false. It is absolutely an investment. You spend money in expectation of a financial return, the size of which is usually known but the probability of which is oftentimes unknown (because many people cancel term policies or cannot renew them before they pass away).
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It is not a valid argument to me to say that the "administrative pain in the ass" is a reason to ignore the tactic. It's a pretty simple procedure and certainly not worth paying all the extra costs of a whole life approach just to avoid. Yes, you have to be careful if you have Traditional IRAs, but there are ways around that too. No, it's not for everyone, but I would much rather try to make the backdoor Roth work first than immediately jump to whole life.
People in the tobacco category typically have to pay higher premiums due to the higher mortality. Recent US mortality tables predict that roughly 0.35 in 1,000 non-smoking males aged 25 will die during the first year of a policy.[22] Mortality approximately doubles for every extra ten years of age, so the mortality rate in the first year for non-smoking men is about 2.5 in 1,000 people at age 65.[22] Compare this with the US population male mortality rates of 1.3 per 1,000 at age 25 and 19.3 at age 65 (without regard to health or smoking status).[23]
The insurance agents at Boomer Benefits work full-time on Medicare-related insurance products. That means our agents are not distracted by trying to sell other specialty forms of insurance. Because of this, we feel confident that our staff members are among the most well-educated Medicare insurance brokers around. We are hands-down the best Medigap insurance broker that we can be.
Like most small business owners, you probably purchase your insurance policies through an insurance agent or broker. The functions performed by insurance agents are similar, but not identical, to those performed by brokers. This article will explain how they differ. It will also explain how agents and brokers make money from the premiums you pay your insurers. Except where noted, the following discussion applies to agents and brokers selling property/casualty insurance.
For more than 85 years, Safeco has delivered new and better ways to protect cars and drivers with auto insurance. If you drive a sedan, hybrid, minivan, station wagon, SUV, pickup truck or anything in between, your local independent agent can provide personalized coverage that's right for you. If trouble comes along, we'll make sure you're taken care of every step of the way.
Death benefits are generally received income tax-free by your beneficiaries. In the case of permanent life insurance policies, cash values accumulate on an income tax-deferred basis. That means you would not have to pay income tax on any of the policy's earnings as long as the policy remains in effect. In addition, most policy loans and withdrawals are not taxable (although withdrawals and loans will reduce the cash value and death benefit).2
I agree that it isn't a good investment. However, that doesn't make whole life a bad insurance policy. As I mentioned before, I realized a lot of things in my years working for a mortuary. First, the vast majority of life insurance policies that we filed were whole life (I would guess 80-90%). Why? Because people who are in their 70's, 80's, and 90's don't have term policies anymore. And I've seen all kinds of things happen to people who have planned well financially. Getting old and having to go into a nursing home generally means depleting one's assets. With nursing homes in my area costing $5000 per month (and more in some areas), it may not take long to go through someone's savings. Once they go through all of their assets, Medicaid will pick up the tab for the nursing home bill. Having whole life leaves money at the end regardless of what unforeseen circumstances happen. I've seen it happen hundreds of times….I'm guessing that those families didn't think it was such a bad deal.
Did someone say convenient? Life can be complicated, which is why we make insurance so easy. Our customer service is accessible and personal. You can choose from different payment options, and you're able to manage your account online for anytime, anywhere access. Just in case you want to view your policy at 2 a.m. while on vacation. Not that you would, but you could.
An insurance broker is experienced in different types of insurance and risk management. They help individuals and companies procure insurance for themselves, their homes, their businesses or their families. Brokers may focus on one particular type of insurance or industry, or they could provide advice on many different types of insurance. They provide a service to their customers in helping them find and buy insurance — usually at no cost to their client.
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Auto insurance isn't only great protection for your vehicle, it's also the law. All states require some degree of insurance for your vehicle to protect you and other motorists. Coverage requirements will vary based on your financial responsibility for your car and your state's requirements. Some states even require you to have liability insurance before you even get a license.
6The monthly rate shown is for Preferred Elite based on a Male, age 37. Allstate Lifetime UL® is a flexible premium universal life insurance policy issued by Allstate Assurance Company, 3075 Sanders Rd., Northbrook IL 60062 and is available in most states with contract series AC13-12. In New York, issued by Allstate Life Insurance Company of New York, Hauppauge, NY with contract series NYLU676.
I am looking at it all from the perspective of an inheritance. In my line of work, I see pensions and IRA's taken by healthcare and Medicaid all the time. Heirs are left with nothing and it is sad. Im researching and researching but cannot find something that is safe enough, can grow to at least $100,000 for thirty so years, and cannot be taken touched aside from….life insurance. I have elderly grandfathers who left their families w/ something because of life insurance. My veteran grandfathers
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I'm sorry you're finding yourself in this situation Debbie, but the good news is that you have options. I would first ask your current insurance company for an in-force illustration. This will show you exactly what your cash surrender value is right now, which is the amount of money you would walk away with today if you canceled the policy. It will also show you how that cash surrender value is expected to grow in the future.
Second, when it comes to investing, my experience shows that most insurance companies charge MUCH higher fees than are necessary. And since cost is quite possibly the most important factor when it comes to investing, that matters a lot. I would much rather see people using a simple, low-cost index investing strategy that's both easy to implement and backed by all the best research we have as the most likely route to success.
The proceeds of a life policy will be included in the estate for death duty (in the UK, inheritance tax) purposes. Policies written in trust may fall outside the estate. Trust law and taxation of trusts can be complicated, so any individual intending to use trusts for tax planning would usually seek professional advice from an Independent Financial Adviser and/or a solicitor.
As for the specifics of the infinite banking model, I'll admit that I don't know a lot of details. It's always seemed to me to mostly be a clever marketing ploy more than anything else, but if you want a more informed opinion I would check out this article here: http://www.mypersonalfinancejourney.com/2013/04/infinite-banking-concept-whole-life-insurance.html.
Securities and investment advisory services offered solely through Ameritas Investment Corp. (AIC). Member FINRA/SIPC. AIC and The Business Benefits Group / IFG are not affiliated. Additional products and services may be available through The Business Benefits Group / IFG that are not offered through AIC. Securities products are limited to residents of Virginia. This is not an offer of securities in any jurisdiction, nor is it specifically directed to a resident of any jurisdiction. As with any security, request a prospectus from your Registered Representative. Read it carefully before you invest or send money. A Representative from The Business Benefits Group / IFG will contact you to provide requested information. Representatives of AIC do not provide tax or legal advice. Please consult your tax advisor or attorney regarding your situation.
Through these educational requirements and experience in the field, brokers gain a significant level of knowledge in insurance. They are well informed about specific types of insurance and how claims of a particular type are covered. For example, a broker can explain to an individual exactly what types of risks a homeowner's insurance policy will cover and what it will exclude (such as acts of god, intentional acts, negligent acts, slip and falls, loss of theft of valuable items, etc.). With this knowledge, clients can make better informed choices about what type of insurance they need, along with how much coverage is necessary. This is a broker's job: to help clients understand the liabilities that they have and how those risks can be adequately managed through insurance. Brokers can then help clients review a number of insurance options to pick the policy and premium that best fits their needs and budget.
Insurance agents, often referred to as "captive" agents, typically represent one insurance company. Insurance brokers, on the other hand, represent multiple insurance companies to ensure that you are connected with the right insurance for you. An agent acts as a conduit to provide information to insurance buyers. The insurance buyer then has the option to choose from available policies and contracts from the insurer offered through the agent. These policies and contracts are decided through contractual agreements that the insurance agents have with the insurers to meet certain guidelines.
I am an agent with one of the top companies and have been for 5 years. The "buy term and invest the rest" sounds like a great idea but here's what I have found. People don't actually do it. You cannot change human behavior. I try to hold my clients accountable and want them to do the same for me. If a client is a spender, they will never stop being a spender. For those people we design a savings plan that let's them spend their money guilt free, as long as they hit their monthly savings goal, they can spend what they wish.
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Hi Matt, I'm a Life Insurance agent and Advisor and I work for New York Life. Some of your points make sense but saying that whole life is bad is a little off. It is good for savings toward your retirement and will do a lot more than a savings account, money market or cd will ever do. So to agree with you to a certain extent I'll explain what I do for younger individuals, I'll sell a whole life policy and later it with term insurance. Basically the whole life will build a cash value with guaranteed returns and the term insurance is in the event of an untimely death. $1,000,000 of term can be as low as $50 a month. Also NY Life has never guaranteed dividends but has paid them out for 159 years, even during the Great Depression. Our company is backed by a $180 billion general account and a $19 billion surplus. So yeah, we guarantee your returns. And we don't just sell life insurance, that's why our agents like myself have life, series 6,7,63,66,65 licenses, if our clients, not customers want more than life, we diversify for them into brokerage or anything else they want. Just puttin my 2 cents in.
Insurance can be a complex concept that is not always easy to understand. While we know that we need insurance to protect our health, our house and car, and to ensure that our loved ones are protected, the finer details often become blurred. An insurance broker can help you navigate the process of finding, comparing, and acquiring insurance by breaking it down into terms and conditions the average Joe can understand. Insurance brokers pride themselves on providing their clients with the best value in insurance coverage. Having an experienced insurance broker represent you is also a wise way to safeguard yourself and your business.
In the United States, brokers are regulated by the state (or states) in which they work. Most brokers are required to have an insurance broker license, which involves taking courses and passing an examination. Each state has different requirements for insurance brokers, which a broker must meet to be licensed in that state. Most states require insurance brokers to take continuing education courses in order to maintain their license.
Like any other type of insurance, you're in control of your life insurance policy. You determine how much coverage you need (from $50,000 up to a $1 million policy), how long you need it, who's covered and when you make your payments (called premiums). Usually, you can choose to pay monthly, annually or quarterly for 10, 20, 30 years or over your lifetime to maintain the coverage. When you die, if your policy is still active, the people you've listed on your policy (called your beneficiaries) get paid the death benefit. In most cases, this payment is paid in one lump sum to an individual or family.
Contingent or incentive commissions reward agents and brokers for achieving volume, profitability, growth or retention goals established by the insurer. For example, Elite Insurance promises to pay the Jones Agency an extra 3 percent commission if Jones writes $10 million in new property policies within a certain time frame. If Jones renews 90 percent of those policies when they expire, Elite will pay Jones an addition 2 percent commission.
I wish I could give you direct feedback but it's really impossible to say Steve. It depends on your specific situation, your goals, and also the state of the policies as they exist now. Evaluating an in-force policy is different than evaluating a yet-to-be-purchased policy, and even a bad policy can perform reasonably well going forward once it's been in place for a number of years. If you'd like an objective analysis, I would suggest reaching out to a fee-only financial planner. Given that you're closer to retirement than my typical client, I would try to find one through NAPFA or Garrett Planning Network.
The Business Benefits Group is a full-service agency offering affordable, comprehensive insurance strategies for businesses. Our aim is to protect your assets by providing professional risk-management solutions. Whether you are a new or established business, you need the right type of insurance to protect your interests. When you contact BBG regarding our business insurance services, we will determine the best plan for you according to the needs of your business, the number of staff you have, risks that you may be facing, and similar factors. Call our office today to learn more about how we can protect your business or request a consultation online.
The sale of life insurance in the U.S. began in the 1760s. The Presbyterian Synods in Philadelphia and New York City created the Corporation for Relief of Poor and Distressed Widows and Children of Presbyterian Ministers in 1759; Episcopalian priests organized a similar fund in 1769. Between 1787 and 1837 more than two dozen life insurance companies were started, but fewer than half a dozen survived. In the 1870s, military officers banded together to found both the Army (AAFMAA) and the Navy Mutual Aid Association (Navy Mutual), inspired by the plight of widows and orphans left stranded in the West after the Battle of the Little Big Horn, and of the families of U.S. sailors who died at sea.
In times of need, we stand by you. We're here to make sure you have the right coverage for your needs. And should an accident occur, our claims service will be there to help when you need it most. If you're comparing our quote or policy to another insurer, be sure to understand the value of the coverage you're considering. Compare apples to apples. Make sure driver and vehicle information are the same. Our auto policy is the only one backed by an On Your Side promise.
The bottom line is that I feel that the insurance industry has adapted to the negative stigma attached to whole life insurance polices and are introducing some variants that do not look at all like the whole life insurance that is described in the above article. They have found ways to counter some of the Reasons not to invest in whole life insurance mentioned in the article above (such as the interest rate). I read about another variant called EIULs and I think there are many other similar products out there. But they can not counter all of the Reasons mentioned in the article above. So buyer beware and do your due diligence!
Thanks for the insightful article. I agree with the general statement that, in a vacuum, it is better to "buy term and invest the difference." However, I'm interested to hear your thoughts on using whole life insurance as an investment vehicle in the context of the infinite banking model (assuming you are familiar with the concept). From what I understand, it sounds like a good way to achieve predictable and guarenteed growth on a compounded basis while allowing you to borrow money from your own policy and pay yourself the interest, all while always having access to the funds. I think it might be wise for people, like myself, are looking for guaranteed growth with little risk.
In any case, I thought I might chime in given that I disagree with your statement about all of these policies being legal robbery. As a disclaimer, I should point out that I agree that unscrupulous life insurance agents definitely do have a tendency to oversell these policies where term life would do, and I do not disagree that commissions are often the likely motivation in many of these cases.
Second, when it comes to investing, my experience shows that most insurance companies charge MUCH higher fees than are necessary. And since cost is quite possibly the most important factor when it comes to investing, that matters a lot. I would much rather see people using a simple, low-cost index investing strategy that's both easy to implement and backed by all the best research we have as the most likely route to success.
Insurance Co Aurora 80015
I really wish you would have stated more clearly the difference between the typical whole life plans with zero overfunding and a participating overfunded whole life policy. But I agree with you: What's the point of not overfunding? Those policies have such a low cash component that they typically are just a ploy to make money by the agent and it seems as if that was your point all along. Which you should have clarified. Why minimum whole life insurances plans are a scam, especially when sold as a main investment vehicle. But then a little drama drives traffic right?
Insurance Quote Comparison Company


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text: [Michael Hudson] >> This seems to be all it takes: [Kevin Jacobs] > Your patch isn't a 100% fix, since a reference can still be leaked if > the PyDict_SetItem fails. The patch I checked in paid attention to that. > If nobody beats me to it, I can do a validation pass > through compile.c and see how many I can squash. > ... > A quick eyeballing suggests there are a bunch more of these, but only > on error returns. Possibly. If a dict setitem call fails, it's almost certainly because we're out of memory, and the program is going to die soon regardless. How much pain it's worth to die with a refcount that's not one too large is open to debate <wink>.


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Piano concerts(0)
Pianist / Keyboard Player
Poland, ME
27 miles from South Portland
Dynamic, energetic, full of hope and enthusiastic music, moves the heart, mind and soul. Composer and pianist…
Caleb D.(0)
Singing Pianist / Keyboard Player
Acton, ME
34 miles from South Portland
Singer/Pianist. Plays mostly Indie style music. Nice for background music or performance.
Lynne Taylor(0)
Singing Pianist / Keyboard Player
Newburyport, MA
64 miles from South Portland
Well-established piano-based singer songwriter performing mostly originals with a tasty covers sprinkled in.
Let's All Sing(1)
Pianist / Keyboard Player
Merrimac, MA
66 miles from South Portland
2 Verified Bookings
Recent review: Our family was so happy we had Phil on board for our party! He keeps the party flow going with…
Dave Loehr- Solo Piano(0)
Pianist / Keyboard Player
Georgetown, MA
72 miles from South Portland
Solo piano for your wedding, cocktail or party event. 25+ years professional experience. References available.
Adam Zampino(1)
Pianist / Keyboard Player
Salem, MA
83 miles from South Portland
1 Verified Booking
Recent review: Adam was terrific and struck just the right balance ... He's a must for our next gathering…
Ricky Lauria(0)
Singing Pianist / Keyboard Player
Lowell, MA
85 miles from South Portland
A regular on the New England piano bar and dueling piano circuit, Ricky will keep you you tapping your feet…
Ivory Rockers Dueling Pianos(0)
Dueling Pianos / Keyboard Player
Revere, MA
92 miles from South Portland
This is not your typical piano act...unless you are used to pianos playing high energy request driven rock and…
Red Velvet Sounds(37)
Jazz Band / Keyboard Player
Boston, MA
97 miles from South Portland
4 Verified Bookings
Recent review: We hired Red Velvet Gatsby band for our school Recital last weekend. It blew our mind off. The…
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Keyboard Players in South Portland, ME
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In the past year, Keyboard Players have sent 1,961 quotes to event planners
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Keyboard Players rank #105 in popularity out of 547 categories on GigSalad
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825 Keyboard Player reviews on GigSalad with an average rating of 4.9 stars
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From request to booking, it takes 1.3 days (on average) to hire a Keyboard Player
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Keyboard Players in South Portland, ME
Keyboard players are a perfect choice for events of all types from corporate and community events, to birthday parties and weddings. They can provide a variety of sounds and styles of music. Electronic keyboards can synthesize unique sounds and multiple instruments, making it a great substitute for a full sized band. Keyboard players can provide a similar service as a piano player, but offer the convenience of portability that you can't get with a baby grand or upright piano. Search for Keyboard Players in South Portland, Maine above.
Please note that these Keyboard Players may also travel to Cape Elizabeth, Peaks Island, Falmouth, Long Island, Mariner, Cliff Island, Old Orchard Beach, Gorham, Chebeague Island, Cumberland, Cumberland Foreside, Ocean Park, Newhall, Cumberland Center, Yarmouth, Windham, North Yarmouth, Biddeford Pool, Bar Mills, South Windham, South Freeport, Bailey Island, Bustins Island, Standish, Dayton, Buxton, Hollis Center, Freeport, Harpswell, and Sebago Lake.


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Index > incoming payment receive defination >
incoming payment receive defination
Query report for details of incoming payment received based on invoice
Category:DefaultRelease time:-0001-11-30Views:130
Hi expert Can any one Improve this query !!! SELECT T0.DocNum as 'AR Invoice Number',T0.DocDate as 'Posting Date', T1.CardCode, T1.CardName, T0.DocTotal as 'AR Invoice Total',T0.VatSum as Tax,T1.CashSum, T1.TrsfrSum, T2.DocNum as 'Incoming Payment[More]
T code for Total incoming payment
Category:DefaultRelease time:-0001-11-30Views:130
Dear friends I want to know the the Tcodes / menupath for the following reports. 1. The total incoming payment received from a particular e PAYER/Customer. 2. The total outstanding payment of a particular payer/ customer.( goods have been despatched[More]
AR dunning even if document has an incoming payment method
Category:DefaultRelease time:-0001-11-30Views:130
Hi, Our company have a situation where we need to dun documents even if there's an incoming payment method defined either in the customer master or in the document. I know that the SAP standard behaviour says its not possible to dun these documents[More]
Lockbox incoming payment
Category:DefaultRelease time:-0001-11-30Views:130
Dear SAP Friends, If the incoming payment in lockbox file for invoice number 1005 is $900 whereas actual invoice 1005 is due for $1000. After uploading the lockbox file it shows a new document number 2209 with $900 as DZ (customer payment). But then[More]
Vendors in Incoming payments
Category:DefaultRelease time:-0001-11-30Views:130
Dear All, Business scenario: We have 6 branches .And branch users will enter the incoming payments received from their location customers.But the issue is in incoming payments they shouldn't be able to choose the vendor / they shouldn't be able to vi[More]
Query to include payment status cash / cheque for payment received.
Category:DefaultRelease time:-0001-11-30Views:130
Hi, We would like to amend the following query such that a user can select incoming payments received in cash or by cheque, with the total value of payment made. SELECT T1.CardCode, T1.CardName,T3.SlpName, T0.DocDate as 'Posting Date', T0.DocNum as '[More]
Incoming payment by F-28: Reason code error while posting
Category:DefaultRelease time:2015-10-11Views:130
Hello everyone, I want to post Incoing Payment using F-28 net of TDS. I want the separate GL account to be picked up automatically for the difference when I enter the Reason Code 003. I did the following customization for the same. 1. Financial Accou[More]
F-28 Incoming payment BSEG-XREF1/2 & BSEG-XREF3 grayed out on clearing line
Category:DefaultRelease time:2015-10-11Views:130
We apply payment Using SAP standard transaction code F-28 - post incoming payment. Business requirement is to capture Reference Key 1/2 & Reference Key 3 are on cleared as well as partial line items. Populating these fields will help reconciliation[More]
Incoming payment posting error f-28
Category:DefaultRelease time:2015-10-11Views:130
Hi, here i trying to post incoming payment from customer after discounted amount t-code f-28 , i am getting error message like this: Acct determination not defined for trans. SKT in chart of accts S501 Message no. F5113 Diagnosis An automatic post[More]
Reason code for short payment received from Customers
Category:DefaultRelease time:-0001-11-30Views:130
Hello We are on ECC 6.0 without application of any enhancement package. Requirement is to capture reasons of short payment received from customer and generate a report based on such reason codes. Reasons of short payment received could be - Adhoc pay[More]
Unadjutsed Small Differences - Incoming Payments
Category:DefaultRelease time:-0001-11-30Views:130
Hi, While processing the incoming payments, in case of small differences in cents, there had been set up a tolerance limit, due to which the small differences upto the tolerance limit get posted to a seperate GL Account. The users now want the tolera[More]
Error in Incoming Payment
Category:DefaultRelease time:-0001-11-30Views:130
Hi all, I'm getting an error while posting Incoming Payment. The error is 'A current account has not been defined'. I've selected house bank account at the header level i.e. GL Account, for that I'm getting warning message 'Defining credit/checking[More]
EBS upload wrong G/L account determination for incoming payments
Category:DefaultRelease time:-0001-11-30Views:130
Hello, I´ve got problem with G/L account assignment in EBS upload. Client has 3 company codes 6250, 6251 and 6300. For each CC several bank accounts. Company codeHouse banks and Bank acccount ID is 1:1, one house bank - one bank account ID. House ban[More]
Importing incoming payments using data transfer workbench
Category:DefaultRelease time:-0001-11-30Views:130
Hi experts I am using data transfer workbench for incoming payments, but incoming receivables are checks. I am using three templete files 1.Payments Recordkey Cardcode Docdate 1 A0001 21102009 2.Payments_check Recordkey Lineno [More]
Background Journal entry for Incoming payment
Category:DefaultRelease time:2015-10-11Views:130
Dear Experts, Would you please help me in how to get the journal entry for an incoming payment entered as "payment on account". The relationship map does not show this, but I can see the credit entry for the customer is passed. same happens for[More]
Billing Doc. No in Incoming payment.
Category:DefaultRelease time:2015-10-11Views:130
Dear Gurus, I made a sales document in SD module say "12345" and the billing doc. no as "123" for customer "xyz" for amount "1000". I receive payment via- T.code f-28 for this customer for exact amount.[More]
Error : FZ010 : Enter a payment method for incoming payments
Category:DefaultRelease time:2015-10-11Views:130
Hi, I am running F110 and paying intercompany vendors/customers. I am running payment run for Compony 0050 and paying my vendor VEND0060 and CUST0060. The balance of vend0060 is 2 million(credit) and balance of CUST0060 is 1 million (Debit). So I am[More]
Error while opening the Incoming Payment Form
Category:DefaultRelease time:2015-10-11Views:130
hi, When i open the incoming payment(Banking -> Incoming Payments -> Incoming Payment) in sap b1 07 i got a error message "linking primary sales account has not been completed" .how can i open it?Open Administration -> Setup -&[More]
Error while posting Incoming payments from customers
Category:DefaultRelease time:2015-10-11Views:130
Hi Experts, when i am trying to post Incoming payments from customers in F-28,The payment difference amount is Rs 5. while simulating the following error "TAX CODE C2 FOR COUNTRY IN HAS BEEN DELETED OR INCORRECTLY CHANGED" MES[More]
Posting Incoming Payment : Message F5 536
Category:DefaultRelease time:2015-10-11Views:130
Dear Experts, When passing F-28 - Post Incoming Payments, I keep getting this error. "Tax-relevant accounts not defined in this area; please correct Message no. F5536" Any idea ? what can be wrong. Pleae asdvise ASAP. Best Regards, Mitesh DesaiH[More]
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The money is most certainly in the list. If you're at all interested in online marketing, setup email software and create a lead magnet that you can use in your sales funnel. Then, build up that list. It's often said that you can expect to earn about $1 per subscriber per month. If you have a list of 10,000 subscribers, that means you can earn roughly around $10,000 per month. You will need to deliver value and not pitch them on every email, but it is a very achievable goal in a short period.
Rent out a parking spot. If you live in a busy or congested area and have parking to spare, you might be able to rent out your parking space for some quick cash when you're not using it. Simply advertise your open parking space online including details on the location, whether it's covered or uncovered, and your desired hourly, weekly, or monthly fee. If you want, you can even use a site like Just Park or download the Spot App to reach more potential customers.
A niche affiliate site often presents like an eCommerce store. To get started with an affiliate site, choose your niche then display products with pictures, descriptions, and prices, just as you would on an online store. However, when visitors click the 'buy' button, they will be taken directly to Amazon, to make the purchase. You then make an affiliate fee for sending the traffic to Amazon but have none of the packaging hassle, or initial financial output creating or buying the products.
Become an Amazon Associate and then use Keyword planner to find an in-demand niche: With more than a million different products to choose from and up to 10% commission the sales you drive, Amazon's affiliate program is a great place to get started. Browse their available products and see what connects with you. Or take it a step further and use Google's Keyword Planner to quickly check how many people are searching for a specific term. With affiliate marketing, the more relevant traffic you can pull in, the more you'll make off your site.
When I say coaching and consulting, this could literally be on anything in the world. You know, you could be a personal trainer that does this online. You could be a nutritionist, or you could be a business consultant. You could help people outsource their businesses. You could be a web design consultant. You could even be a marriage counselor… Literally you can consult on anything people need coaching on.
But don't make the mistake of thinking this will be a passive source of income—you're on call whenever you have a guest and you'll always need to keep the place clean for incoming visitors. On top of just renting on Airbnb, consider offering your guests paid add-ons, like Lauren Gheysens', Royal Day Out in London, England—where she gives visitors a local's only tour of the city, complete with bespoke 18th century costumes.
Hold a yard sale. If you have a yard or garage and plenty of items to sell, you can have a yard sale as early as tomorrow. By advertising your sale on local Facebook pages and Craigslist, you can also skip the paid newspaper ad and keep all of the profits for yourself. If you don't have time to price everything, try asking patrons to "make an offer" or grouping similar items on tables with an advertised price (e.g. everything on this table is $5).
Now, this isn't about some get-rich-quick method here. If you want to get rich quick, forget about trying to do it on the internet. Sure, Facebook ads are all the craze, but without a serious understanding of the mechanics behind sales funnels and conversion optimizations, which only comes after years and years of in-the-trenches work in the internet marketing field, you're largely wasting your time trying to "get rich quick."
Wow! So Jenn gave her personal experience and really didn't seem rude about it at all. But by responding with name calling and a rather explosive and rude response, you, Doesn't Matter, are the one that looks like a jerkoff. "You look so freaking inconsiderate. The age of entitlement……….ho hum." Umm… might want to take a look in the mirror on that one.
Sell plasma. After passing an initial screening, you can usually sell your plasma for anywhere from $25 to $50 per donation. To qualify, you'll have to stand in a long line or show up early, be willing to fill out a very personal questionnaire, and endure a painful needle prick or two. Still, selling plasma is a great way to raise money fast – if you can stand the hassle.
With an ebook, there is no need for publishers, editors, printing companies, etc. So, you basically just write the book, you edit yourself and overhead is extremely low. You do have to share a small portion of your revenue with Amazon when you sell a copy of your book, But you're not paying anybody up front. The only time you have to pay Amazon is if you make a sale.
Take advantage of the growing delivery trend and sign up for a service like Instacart, UberEats, Postmates or Amazon Flex. You get paid per delivery, in most cases, and can even earn tips. A car isn't always required — Postmates lets you use a bike, scooter or your own two feet to make deliveries — but a background check almost always is part of the deal. Learn more about how to get started with Amazon Flex, UberEats and Instacart.
Dating sites and apps are extremely popular and have become more and more niche as the industry develops. They can also be very profitable, as there are many ways to monetize them. You can charge a joining fee, provide premium subscriptions, or make money from advertising on your site. White Label Dating provides a pre-built dating platform for your project. You simply choose the niche and branding for your new dating site. Once your website goes live, you just need to promote it, manage the users, and collect the earnings.
I don't frequent these forums too often (and there's often a lot of garbage to sift through), but there are some gems of information here. It's usually a good place to check on reviews of various SEO software, see what people think about different changes in the MMO world (like when Google changes their ranking algorithm), and other miscellaneous MMO/affiliate marketing topics.
One factor that you must be aware of though is that Care.com is a peer-to-peer arrangement. That means that you will be in direct competition with other pet sitters in your area. You must price your services competitively in order to get business. Once you begin to develop a list of regular clients, you will be in a better position to raise your rates. This will be particularly true as you get referrals from those customers.
Etsy: While Etsy's popularity has declined recently, it's still a great resource for selling handmade items online. No need for complex ecommerce sites or merchant accounts or any sort of automation. The company takes a commission of every sale and charges a small listing fee per item. But many still use Etsy as their primary source of income. The best part is that you can also sell digital products on here such as poster designs.
Videos are everywhere on the Internet and some work at home websites will give you the opportunity to get paid for watching them. Video creators get paid for every hit their video receives online. Those who are new to the business will often try to maximize the views by sharing small profits with those who are registered to watch the videos for pay. You will earn a few cents per video watched and can kick back on the couch while doing it.


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Clinical Information For the Treatment Of Abnormal Body Temperature
What Is Abnormal Body Temperature?
Abnormal Body Temperature - Basics
Abnormal body temperature can arise from a variety of endocrine and hormonal issues in western terms. In Chinese Medicine terms you basically have body temperature variations from what we would call true cold or true heat and empty cold or empty heat. Meaning that temperature variations may arise from weakness or excess activity, or even a combination of these functions, in the body.
What Patterns Are Related To Abnormal Body Temperature?
Abnormal Body Temperature - Diagnostic Patterns
The Chinese Medicine treatment of abnormal body temperature generally involves arriving at the appropriate TCM diagnosis or pattern. This pattern within the individual is what treatment is based on not the general condition (see treating the cause and not the symptoms).
The following patterns may represent the underlying contributing factors for the development of abnormal body temperature:Kidney Yang DeficiencyKidney Yin DeficiencyLiver FireSpleen Yang Deficiency
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- Electroacupuncture Or Moxibustion Promote Sciatic Nerve Regeneration (Back Pain Study)
Which Tam Healing and Tongren Therapy Protocols Apply To Abnormal Body Temperature?
Abnormal Body Temperature - Tam Healing and Tongren Therapy Protocols
Tong Ren Therapy is the energy healing/medical qi gong aspect of the Tam Healing System. The areas of focus for abnormal body temperature that we would use in Tong Ren techniques form the basis for our acupuncture treatments as well. Generally you would mix these primary points with points specific to the patients underlying TCM pattern and then our tuina (medical massage) would be largely focused on these points as well.
The following Tam healing and tong ren therapy protocols may be used with abnormal body temperature:
Where Do I Go Next?
Recent Questions From Our Forum...
Have questions about abnormal body temperature? Or want to discuss treatment techniques? You may reach us and our community of practitioners by using our forums
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Home entertainment/automation
I have nothing but good things to say about this company. Got 3 quotes and theirs was not the cheapest but Don went the extra mile to explain everything and ensure all
my concerns were answered. Maintained good contact throughout the process as his work was part of a bigger renovation. Helped me with a number of technical issues and everything has worked out great so far. Very courteous. Cleans up after his work. Upgraded my equipment at no cost when he got a better deal from his supplier. Have recommended him to others with the same satisfactory results and would definitely use his services again. Top marks all round.
- Company Response
Hello Brian,
Thank you for the wonderful review. Helping with your project was fun and exciting. We look forward to working with you on future projects.


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Traditional One Panel: These doors consist of one large panel which tilts to open by employing a spring mechanism to swing upward. The wood version is popular in the South and Southeastern US, where a milder climate keeps the wood from rapidly deteriorating. Traditional garage door designs include Cape, Colonial, Ranch, Tudor and Craftsman. The disadvantage is these doors require a lot of clearance to operate correctly. Sometimes repairs can be difficult because of the heaviness of the door or its inaccessibility. Average cost to repair tilt-up doors is $172.
I'm not a professional, but I watched as my garage doors were serviced last year. The tech used a spray lubricant (I had bought a different brand in the garage door section of a home improvement store). He sprayed the inside of the entire track, top and bottom, the rollers that ride along the track, and all hinges on the door. He sprayed each hinge twice -- once on each side. The techs were more generous with the lubricant than I was when I'd done it before, so don't be afraid to give it a good squirt.
Great Garage Door provides quality garage door repair and installation services in Monticello MN. We know you have a lot of options when looking for a reliable service company, and that is why we have the best warranties and guarantees in the business. We stand behind our Minnesota products and services with over 30 years in the business and over 160,000 clients served. We have a long list of happy clients that were once in your shoes and we'd like to learn how we can help you!
My opener also has 2 wheels on the top of each side of the door: one with a big spool of line and the other just a pulley wheel. So I also lubricated the axles of those spools. You can watch closely while raising/lowering the door to see where the parts spin and move. Now my door runs much quieter, so I must have done something right! Hopefully this will reduce strain on the motor and make it last longer.
Customer Satisfaction is our #1 priority. Above all, we take pride in providing a quick response time and aim to deliver a quality and cost-effective resolution to our customer's garage door repair needs be it morning, afternoon, or evening, 7 days a week. Our goal is to repair your garage doors and openers the same day so you can get back to your busy schedule.
You can reschedule or cancel your service at any time. To reschedule, simply go to Your Orders, find your service order and click on the 'Contact Provider' button on Your Orders page. To cancel, click on the 'Cancel Order' button on Your Orders page. Payment goes to the pro from your secure Amazon account. Because you aren't charged until the actual work is completed, cancelling a job doesn't require a refund.
Disclaimer: NerdWallet strives to keep its information accurate and up to date. This information may be different than what you see when you visit a financial institution, service provider or specific product's site. All financial products, shopping products and services are presented without warranty. When evaluating offers, please review the financial institution's Terms and Conditions. Pre-qualified offers are not binding. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly.
Chris was very professional & thorough. He arrived on time & was able to answer all questions that I had. I was extremely satisfied with the quality of the work he performed. I spoke several times on the phone with Mrs. Carol who keep me informed prior to, during, and after the installation of my garage door. She was very professional, easy to talk with and resolved any misunderstanding that I had.
There is no cost because Precision will send a technician to your home for a "repair estimate". A "repair estimate" allows our technician to evaluate your garage door and determine why it is not functioning properly. Then provide you with a repair estimate with the cost to get your garage door operating correctly. The choice is yours to proceed with the work on the repair estimate or if you decide not to proceed with the work then there is no cost to you.
The history of the garage door could date back to 450 BC when chariots were stored in gatehouses, but in the U.S. it arose around the start of the 20th century. As early as 1902, American manufacturers—including Cornell Iron Works—published catalogs featuring a "float over door." Evidence of an upward-lifting garage door can be found in a catalog in 1906.[4]
No matter what kind of door you are installing, be very careful. The instructions that follow are merely guidelines. You should read your garage door manufacturer's instructions and owner's manual very carefully before attempting either type of installation. And if you're a do-it-yourself greenhorn, skip this project and hire an experienced professional. It may be more expensive, but garage door installation is on the higher scale of DIY difficulty.
A typical version of an overhead garage door used in the past would have been built as a one-piece panel.[1] The panel was mounted on each side with unequal parallelogram style hinge lifting mechanism. Newer versions of overhead garage doors are now generally built from several panels hinged together that roll along a system of tracks guided by rollers.[1] The weight of the door may be 400 lb (181.4 kg) or more, but is balanced by either a torsion spring system or a pair of extension springs.[2] A remote controlled motorized mechanism for opening garage doors adds convenience, safety, and security.[3]
Because your garage door is a major entryway to your home, it is important to keep it in good working order for your own safety, security, and convenience. Choosing the right style and appropriate materials will lessen the amount of repairs that may arise. Additionally, investing in regular maintenance can be cost-effective in the long run. If your garage door is in need of major repair, it is best to call a professional garage door repair company for assistance. Typically, the company will charge for at least one hour for making a service call. However, the benefits of a professional repair job can well outweigh any costs, as a professional can ensure the safety, security, and proper operation of your garage door.
Very professional and great customer service. I received a 30 minute courtesy call before they arrived and answered all my questions regarding my problems. They came to give me an estimate, but I was so impressed with them they installed garage door openers the same day. Even corrected panel issues from builder. I would definitely recommend anyone that is looking for a repair or replace. The Js'
Operating since 1998, we are a family-owned company which all your garage door needs. In our years of operations, our clients have strongly benefitted from our efficiency and reliability. This is why we are simply the best in what we do as evidenced by our consistent Yelp 5 Star rating, A+ rating from BBB and Super Service Award from Angie's List. You can trust that our work is done with quality as we are licensed, bonded and insured and is in the roll of Arizona's Registrar of Con-tractors. Furthermore, you can be sure that all of our technicians passed rigorous training and our battery of background checks.
Lower the door and dismantle it by removing the hardware. Lower a double door by recruiting at least two helpers to help with the weight, and place a 2×4 block under the door to prevent smashing a foot or finger when it's lowered. Remove the sections one at a time by disconnecting the rollers and brackets. If you have windows, tape them to help control flying shards if they break. Then remove the old roller tracks and remaining hardware.
In this article, we'll tell you the difference between a safe door and one that's unsafe. We'll also give you the helpful tips you're not likely to find in the manufacturer's instructions to correctly, and safely, install a new garage door with a torsion spring and do-it-yourself tensioning. Installing a new, double garage door yourself will save you several hundred dollars and should take eight to 12 hours if you're fairly handy. You can do most of the new garage door installation project yourself, but you should recruit help for removing the old door.
Interested in garage door installation? You don't have to know how to install a garage door or how to install a garage door opener. Lowe's has you covered with professional, independent garage door installers to manage the job from taking measurements to the final garage door opener installation. Why take the time to learn how to install garage doors or how to install garage door openers? Invest less time and manage garage door installation costs. Contact Lowe's for your project services today.
The garage we take for granted very likely stores thousands of dollars worth of tools and household belongings, not to mention your automobiles. Yet this space is typically rather easy for intruders to penetrate. Garage security can be greatly improved by installing a modern garage door opener that features rotating digital codes, which can foil even the most tech-savvy prowlers.
Great Garage Door provides quality garage door repair and installation services in Monticello MN. We know you have a lot of options when looking for a reliable service company, and that is why we have the best warranties and guarantees in the business. We stand behind our Minnesota products and services with over 30 years in the business and over 160,000 clients served. We have a long list of happy clients that were once in your shoes and we'd like to learn how we can help you!
Had a quick response to my call. thought I might have to wait a couple of days to coordinate their schedule and mine. To my surprise I received service in one and one half hours. Not only that but there was no sales call, technician Mike was fully prepared to give me a quote and complete the work as his vehicle carried everything needed. He very efficiently completed the work and cleaned up after I selected from the options. He replaced the springs all rollers and made needed adjustments expeditiously. I would recommend this firm to anyone needing garage door repairs.read more
Single panel doors are constructed from one monolithic panel. From the closed position a single panel door swings up and overhead with a hinge on each side (known as jamb type hardware) to the fully open position. A disadvantage of monolithic panel doors is that the swing up arc of the door occurs partially outside the garage. This means a vehicle must stop and park several feet in front of the door to avoid being hit by the garage door when it is opened.
If the sensors are misaligned, or if there's an obstruction blocking the beam from reaching the other side, the door won't close without you forcing it. If you're unable to realign the sensors on your own, or think it's something else causing the problem, call a garage door repair technician. If he or she is able to realign the sensors and fix the problem, it shouldn't cost you much more than a service call fee, which averages $50 to $75.
Step 5: Check for loose hardware, and tighten as needed. On swing-up doors, check the plates where the spring is mounted to be sure the screws are tight, and tighten any loose screws. On roll-up doors, check the hinges that hold the sections of the door together; tighten any loose screws, and replace any damaged hinges. Sagging at one side of the door can often be corrected by servicing the hinges. If a screw hole is enlarged, replace the screw with a longer one of the same diameter, and use a hollow fiber plug, dipped in carpenters' glue, with the new screw. If the wood is cracked at a hinge, remove the hinge and fill the cracks and the screw holes with wood filler. Let the filler dry and then replace the hinge. If possible, move the hinge onto solid wood.
Carriage: These doors mimic the look of doors found on old carriage houses in the days of horses and buggies. Because of their rustic look, they are often favored in the West and Southwest of the United States. The doors swing open like oversized French doors and hang from jambs on hinges. With their unique look, they create an area of visual interest for your home and are quite energy efficient. The downside is they require a considerable amount of clearance to work properly. Because most carriage garage doors are largely composed of wood, you may need to replace deteriorating or rotting door materials. The average cost for carriage garage door repairs is $133.
Garage door springs come in two styles: torsion (see above), which mounts on the header above the door, and extension (Photo 1), which floats above the upper roller track. In the past, extension springs were safer to install but didn't have containment cables running through the center of the spring. Without cable, these springs become dangerous, heavy whips when they break. They also tend to be noisier than torsion springs, and we recommend you use them only if you don't have the 12 in. of headroom above the door that a torsion spring requires.
Adding insulation to a hollow garage door can help heating and cooling costs and reduce noise. However, the most important thing to consider is how much weight you are adding to the door. The springs on a garage door are specific to the size and weight of the door, and adding weight to the door without changing the springs can damage them and wear out gears faster in the electric operator. Also, adding a strut across the door might be necessary to make sure the door doesn't buckle when in the horizontal position.
Adding a new garage door provides a dramatic difference in your home's appearance. When neighbors pass by, when guests pull up, or when you return from work, your house will have a distinct beauty that makes it a landmark of the neighborhood. The unique look you've always imagined — as well as the material, the finish, and the insulation can be found in our wide selection of garage doors.
One aspect of hiring a garage door professional that differs, however, is emergency service. If you need after-hours or weekend service for a damaged or malfunctioning garage door or opener, be sure to ask your garage door contractor upfront about emergency service call fees, which can cost hundreds more than regular services. Unless it's absolutely necessary, you may save significant money by scheduling garage door repairs and services during normal business hours.
John, the service tech, was able to show up 2 hours ahead of schedule which worked out great. He knew the problem and readily offered a fix to repair the contractor grade spring and roll bar to a heavier duty version. Repair was done in a short period time and I could not be happier with the end result. He was friendly and knowledgeable and cared about getting it done right. Very pleased with the work and warranty.
In order for you to find the right style door for your home, you need a tool that allows you to try out available options on a picture that approximates the look of your home. Using the Precision Door Designer, you'll easily create combinations of color, panel design and windows options that quickly educate you about the right style door for your home