Term Life Insurance: How to Compare Senior Term Life Insurance Rates
Some insurance companies even offer life insurance policies for seniors with no medical exams required. However, these tend to cost more than life insurance plans that require you to take a full medical exam. … read more…
An Introduction to Life Insurance ? Get Rich Slowly
On the surface, life insurance is pretty straightforward. When the insured person dies, the policy pays a prearranged amount to the designated beneficiary. The following parties are generally involved in a life insurance policy: … read more…
Who Should Buy Term Life Insurance? | Insruance United Network …
Deciding the right life insurance policy is a very important step in securing your family’s future. If you are looking for a low cost, budget friendly life insurance plan, choosing a term life insurance policy would be your best option. … read more…
From Google Blog Search
When it comes to saving money, forced discipline and sometimes trickery can work nicely
When it comes to saving money, you need to stay on top of your finances every hour of every day. It should be all-consuming. You should think about it all the time. Just kidding. It can be simp… read more…
The Worsening Pension Crisis and why it Matters to YOUR Pocketbook!
Last month I wrote about various warning signs for Americans to heed if we hope to stave off further economic erosion. Pension Plan shortfalls will begin to place another huge burden on the American t… read more…
“What if?” –Preparing For The Unexpected
“What if?” –Preparing For The Unexpected
By Thomas Houck, CPA, CFP
Dan’s last three days were like a bad dream. His best friend and fellow entrepren… read more…
From GoArticles.com
Open Question: Pregnant and extremely depressed?
I have lived in this beautiful house in Long Beach for my whole life; all of a sudden my dad tells me we’re moving to Corona. I know it doesn’t sound that bad, but my dad refuses to pay for a house mortgage, and we only have $200,000 on the house. The houses we were looking at today were all disgusting, in the middle of nowhere, over an hour away from my school, all of my friends, and my boyfriend’s work. I never hated my dad for losing the house, until I found out why. My parents had the house payed off, and my dad forced my mom twice to sign the papers to put a mortgage on the house. My mom didn’t know where the money went, my mom thought he gambled all of our money away (he works at a casino), but I didn’t believe her. It turns out that he did, I found one of his emails. I also found out he was cheating on my mom. I always made excuses for my dad, thinking that he was never that bad. Now that we’re losing the house, I wonder how my dad made the payments for so long. My grandma had $60,000 saved up for my college, and my dad made my mom take it out so he could send it to the bank to lower the house payments. My mom did it because she had no choice, and neither did I, and that was during the summer. Now, all of the money is gone, and he never sent it to the bank to lower the payments, the payments are still just as high, even though he told all of us he sent the money to them. It turned out he was using the money to make the payments monthly, and we have no idea what he did with the rest of the money; probably gambled it away. Although I am 17 and already pregnant, I am now 6 months, and finally okay with the fact that I am pregnant and I had everything planned out and everything was going to be fine. My boyfriend works over full time, and goes to school. I am graduating in August, and my boyfriend’s graduating a few months later. He’s going to go to trade school afterwards, and I was still going to pursue my dream of becoming a lawyer, but I was going to get my AA in paralegal studies first so I could work part time, and my daughter’s grandma’s both were willing to take care of the baby when i’m in school. Now, I have no idea where i’m going to go. I hate it there, I don’t want to leave Los Angeles county let alone my own house. Everything was finally starting to go good, and I feel like everything has fallen apart all out of nowhere. And now, my dad cancelled my insurance so I cannot even see my therapist anymore. I feel so emotionally unstable I feel like i’m going to go crazy. I’m starting to question what is even the point of living anymore. Anyways, I just really need some advice, anything; I also need to rant, obviously. Thanks for everyone’s help and advice.
My dad got me medical, so it will cover delivery, etc, but it does not cover my therapist sessions.
Open Question: How screwed am I, financially? What can I do to help myself?
This is going to be long, but it’s a somewhat desperate cry for help, and I really have no idea where else to go with it.
I am a 24-year-old college student on my third major; I decided to switch from something I knew how to do, to pursue a lucrative job I’d probably hate (computers), to something I like and will continue to love to do, though it’s not as lucrative (teaching literature). Last year, I moved on from a community college to a University, and I’m now broke.
Last year, I moved back in with my mother; my parents have been divorced for 6 years. My father quit his medical practice in my hometown, moved across the country, quit his job there, and is now filing for bankruptcy and does not pay my mother alimony. My mother lost her job a couple of weeks ago working for a land company, and cannot file for unemployment. She has a master’s degree in business, but her degree is “old”, and at 52, she is having difficulty competing with younger people. She does not have a lot of money, since in the divorce, my father took most of our “stuff”, and she was left with our property – which isn’t selling.
Just after the divorce, I sold most of my stuff – movies, books, DVDs, video games, computer equipment, even furniture – to save money for college expenses. For a couple of years, it was just fine – I had just enough spending money and a steady enough job that paid enough and had enough hours that I could focus on my classes and not have much to worry about while I lived at home and helped pay for groceries and such.
Well, that all changed pretty quickly.
Last summer, my car broke down – the transmission blew while pulling out of a parking lot. I had to wind up buying a new car. There goes a lot of money, right there.
After that, a theater group I’m in went to Salem, Massachusetts to do some research on the Salem Witch Trials for the play, The Crucible. I wound up having to take my car, because I was the only other person with a reliable automobile for the long trip besides the one car we had already planned to be taking. Which meant that I needed to buy new tires. Some people pitched in for gas, and everyone paid for their hotel room, but as the trip went on, I wound up covering a lot of expenses. I spent $1800 in a single weekend buying tires, gas, food, drinks, tours, books, and props for the play. I was paid for about $70 worth of props and a fair amount of the gas from everyone. Not a single person paid me back for the food and drinks I wound up buying, or the tour tickets I bought them. Some people bought me dinner at later dates and such, but I didn’t get paid back. I’m a college student, I can’t afford to throw that kind of money down on a weekend excursion. But, I did. I have since not trusted anyone to borrow money from me.
Later that summer, I was in a car accident with my (now-ex) girlfriend. I spent a week in the hospital and suffered a closed head injury that has affected and continues to affect my memory and attention, to the point where I basically read at a snail’s pace. Doesn’t bode well for classes, especially for classes in my particular field of study (English/Education/Literature).
Worst part is, my insurance didn’t initially pay for anything at all. I was airlifted from the accident – cost $900. My anesthesia still hasn’t been paid for, don’t remember how much that was. One of my surgeries wasn’t even initially covered – I wound up ponying up for a lawyer, with my mother’s help, which helped us to get them to pay for most of it, finally – then we had to pay the lawyer, of course. It’s still ongoing. Anesthesia still isn’t paid for. We still can’t afford it ourselves, either.
After the accident, I had a hard time going back to real life. I couldn’t move to where I had planned because I couldn’t take a full load of classes that semester, move, and find a new job without being completely overwhelmed, so I stayed at home and took 2 classes and went back to work as I had been.
As far as work goes, my workplace was told by one of my doctors to only have me work 8 hours per week, because of my mental condition (I still tend to get pretty overwhelmed by things) – at 8.50 an hour, that’s not a lot of money. I received a month of lost wages, and am supposedly to be paid 80% of the difference between my 8-hour weeks and what I would otherwise be working since that month, but I haven’t seen a dime.
I’m also buying audiobooks and cliff’s notes to help with my reading and retention, which my insurance company is supposed to help pay for. They haven’t done that, either.
I used to work as an English tutor for local high school students; I still get calls about it every so often, and I still try to do a little bit of work. It pays pretty well ($20/hour sometimes) for the short periods of time I get to do it, but it takes a lot out of me. I buy copies of all the required readings at the local high schools and keep up on those books, on top of the own that I have for my classes.
Open Question: How do I go about getting a California P&C and/or Life Insurance License?
I am planning on changing my career (make very good money now – >$100K) but it is very volatile and usually the one of the first areas cut. I have business (P&L), leadership skills and big motivation to get into the financial field and help people and businesses. I’ve talked with Farmers and State Farm and they all require a P&C and/or Life Insurance licenses. Is online okay? What would I need to invest? How long does it take? I am looking at an “accelerated” program ( read more…
Sales/Business Products (Future Opportunity)
Posted by defcon via Monster Job Search Results = AND =Sales
Affordable Term Life Insurance-How to get the best rates | directoryofarlington
Posted by termlifepro via delicious
Life Insurance Plans, Policies & Premiums in Bangalore
Posted by richardhooper via Sulekha Yellow Pages – Get Free Quotes from Bangalore
Trautwein: Protect Group Plans – Regulatory,Legislative and Tax Issues – Life and Health Insurance News
Posted by mdtrussell via delicious
Life Insurance in South Africa
Posted by richcroc via delicious
7 Year Old Boy On Prozac, Zyprexa Combo Hangs Self – Furious Seasons
Posted by wlh via FriendFeed
The Best Way to Compare Term Life Insurance Plans
Posted by termlifepro via The Life Insurance Pro
Zurich survey reveals expat retirement plans remain unchanged in spite of credit crunch
Posted by internationalnews via MIDDLE EAST Category :: Xirincs Feeds Directory
Recently Being Discussed on FriendFeed
Leave a comment