I'd start by maxing out the price of gas at $ 1.49 per gallon. _________________ Life moves pretty fast. If you don't stop and look around once in a while, you could miss it. - Ferris Bueller
And I my friend would KISS your feet. Thats the next to biggest expense we have going out every month. I get angry when the price of gas and heating oil take away from necessities.
Wish I or even my husband had that option. The closest thing we have to a bus system is the Indigo bus that comes out to take the Amish to town for a couple bucks..
Well I have the option, but I would have to walk about 15 minutes to the bus stop. Then be on the bus for about 45 minutes. It only takes me 10 minutes to drive to my office. _________________ John L Houck Jr
Business Development
(509) 254-4111
You're right the 10 minutes to the office isn't the killer. My wife goes to a massage therapy college across town. It takes about 45 minutes there and back. Right now we only have one car, so I'm taking her until either we get a car for her or she shares a ride with a classmate. For now though, it hurts every couple days when I get gas. I suppose it is an investment for our future. _________________ John L Houck Jr
Business Development
(509) 254-4111
Really good way to look at it. My hubby travels roughly 40 min to work (he is a coal miner) In a two week period between him going to work and the little other running we do I am safe to say we lay out at least $250...so monthly thats a good $500 gone out the old tailpipe. Guess we just have to deal.
get him out of that truck and have him drive the grand am to work! _________________ **************************************
Life gaurantees a chance NOT a fair shake
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FIND a way EVERY day to lighten the load of another
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Lori...I have tried this. He was doing exactly that until one day he took the dodge dakota to work and someone smashed out the side window. After that he won't take the Grand Am or the Dakote...only the junker truck (94 chevy s-10). These guys make top dollar at their job but yet still think that they have the right to steal off other employees. Can't even take a wallet to work and leave it in your locker.....
That sucks! As if that job isn't hard enough then to have to worry about that...bet there is some down home butt whoopin' that happens when they know or think they know who did these things _________________ **************************************
Life gaurantees a chance NOT a fair shake
**************************************
FIND a way EVERY day to lighten the load of another
**************************************
And don't expect the police to help. When my wife and I lived in Spokane her car was broken into and things stolen. We called the police and they told us they were too backed up to come make a report and if WE didn't know who did it, then there wasn't much they could do. True story. _________________ John L Houck Jr
Business Development
(509) 254-4111
Well I've been out of the office and haven't been able to check out the forum lately. It seems that there was a lot of discussion while I was gone and a few of you brought up very good points. I'd like one more time make this clear as possible. Please read this carefully.
A life settlement is an option for a client that is looking to surrender their policy or simply let it lapse. Institutional capital has been attracted to this alternative asset class because the purchase of a life insurance policy can provide a client with an excess of 2-3 times their cash-surrender-value build up in the policy while providing the investor with an 10-12% annual rate of return.
The current beneficiary(s) of each policy are required to sign the contracts stating that they are aware and acceptable of the life settlement transaction. If a beneficiary is unwilling to sign the contracts then the life settlement transaction is not possible. The money received in the life settlement can be used in any manner by the seller. The owner of the policy could use the life settlement proceeds to fund a new paid up policy for the previous beneficiary(s). They could also give the money directly to the beneficiary(s), or perhaps invest the settlement money in a better investment vehicle that will yield more money for the future beneficiary(s) down the road.
Milestone was the first life settlement provider to require full-disclosure on all transactions, making each settlement completely transparent. The owner and beneficiary(s) must sign off on the contracts which disclose each agent/broker's commission on the transaction. A life settlement may not be the best scenario for every client, however in many cases it gives the client more money that the insurance carrier is willing to.
We have a solid reputation in our industry and I would love to discuss this in further detail if any agents/brokers have received inquiries about the option of a life settlement from their client(s). With the credit crisis upon us, many senior clients are looking for ANY options as the financial market gets progressively worse.
They could also give the money directly to the beneficiary(s)
We all know the proceeds from Life Insurance is tax free. Would this transaction also be tax free? _________________ Life moves pretty fast. If you don't stop and look around once in a while, you could miss it. - Ferris Bueller
