Monday, January 30, 2006
Thursday, January 26, 2006
Viatical Life Insurance Settlements
The physical and emotional demands of a terminal illness are traumatic enough - both for the person and for the near and dear ones. Financial strains only serve to compound the trauma. Viatical life insurance settlements, if handled carefully, can provide financial relief. The process of viatical settlement involves the selling of a life insurance policy by a terminally ill person whose life expectancy has been predicted for about two years or so, to unrelated investors - which can be banks, private companies, or brokers.
This gamble on death may seem unpalatable to many but can provide help to people by easing their financial strains and providing the cash to get better health and medical care.
The seller of the policy gets cash surrender value while surrendering the policy. The surrender value is less than the face value of the policy. But the seller needs to keep in mind that the value he gets for selling the policy should be more than what he would other wise get by surrendering his policy.
While selling one’s life insurance policy, he or she should keep in mind that there may be accelerated benefits associated with the policy. These benefits are also sometimes called living benefits. These are benefits that a policyholder gets from the insurer before he dies.
Any decisions involving the sale of life insurance policy will have a deep emotional impact on the seller and his family members. So before coming to any decision it makes sense to talk to a lawyer or a financial planner.
The other alternative is to contact the state Insurance Commissioner or the insurance company’s claims department so as to explore the maximum alternatives. The insurance companies can sometimes offer accelerated benefits or even loans. Accelerated benefits are usually added to the policies for additional premiums, while there are companies who do not charge any additional premiums.
Viatical Settlements provides detailed information about viatical settlements, viatical life insurance settlements, viatical life settlement associations, and more. Viatical Settlements is affiliated with Sell Structured Settlement Payment.
By Peter Emerson
This gamble on death may seem unpalatable to many but can provide help to people by easing their financial strains and providing the cash to get better health and medical care.
The seller of the policy gets cash surrender value while surrendering the policy. The surrender value is less than the face value of the policy. But the seller needs to keep in mind that the value he gets for selling the policy should be more than what he would other wise get by surrendering his policy.
While selling one’s life insurance policy, he or she should keep in mind that there may be accelerated benefits associated with the policy. These benefits are also sometimes called living benefits. These are benefits that a policyholder gets from the insurer before he dies.
Any decisions involving the sale of life insurance policy will have a deep emotional impact on the seller and his family members. So before coming to any decision it makes sense to talk to a lawyer or a financial planner.
The other alternative is to contact the state Insurance Commissioner or the insurance company’s claims department so as to explore the maximum alternatives. The insurance companies can sometimes offer accelerated benefits or even loans. Accelerated benefits are usually added to the policies for additional premiums, while there are companies who do not charge any additional premiums.
Viatical Settlements provides detailed information about viatical settlements, viatical life insurance settlements, viatical life settlement associations, and more. Viatical Settlements is affiliated with Sell Structured Settlement Payment.
By Peter Emerson
Viatical Life Insurance Settlements
The physical and emotional demands of a terminal illness are traumatic enough - both for the person and for the near and dear ones. Financial strains only serve to compound the trauma. Viatical life insurance settlements, if handled carefully, can provide financial relief. The process of viatical settlement involves the selling of a life insurance policy by a terminally ill person whose life expectancy has been predicted for about two years or so, to unrelated investors - which can be banks, private companies, or brokers.
This gamble on death may seem unpalatable to many but can provide help to people by easing their financial strains and providing the cash to get better health and medical care.
The seller of the policy gets cash surrender value while surrendering the policy. The surrender value is less than the face value of the policy. But the seller needs to keep in mind that the value he gets for selling the policy should be more than what he would other wise get by surrendering his policy.
While selling one’s life insurance policy, he or she should keep in mind that there may be accelerated benefits associated with the policy. These benefits are also sometimes called living benefits. These are benefits that a policyholder gets from the insurer before he dies.
Any decisions involving the sale of life insurance policy will have a deep emotional impact on the seller and his family members. So before coming to any decision it makes sense to talk to a lawyer or a financial planner.
The other alternative is to contact the state Insurance Commissioner or the insurance company’s claims department so as to explore the maximum alternatives. The insurance companies can sometimes offer accelerated benefits or even loans. Accelerated benefits are usually added to the policies for additional premiums, while there are companies who do not charge any additional premiums.
Viatical Settlements provides detailed information about viatical settlements, viatical life insurance settlements, viatical life settlement associations, and more. Viatical Settlements is affiliated with Sell Structured Settlement Payment.
By Peter Emerson
This gamble on death may seem unpalatable to many but can provide help to people by easing their financial strains and providing the cash to get better health and medical care.
The seller of the policy gets cash surrender value while surrendering the policy. The surrender value is less than the face value of the policy. But the seller needs to keep in mind that the value he gets for selling the policy should be more than what he would other wise get by surrendering his policy.
While selling one’s life insurance policy, he or she should keep in mind that there may be accelerated benefits associated with the policy. These benefits are also sometimes called living benefits. These are benefits that a policyholder gets from the insurer before he dies.
Any decisions involving the sale of life insurance policy will have a deep emotional impact on the seller and his family members. So before coming to any decision it makes sense to talk to a lawyer or a financial planner.
The other alternative is to contact the state Insurance Commissioner or the insurance company’s claims department so as to explore the maximum alternatives. The insurance companies can sometimes offer accelerated benefits or even loans. Accelerated benefits are usually added to the policies for additional premiums, while there are companies who do not charge any additional premiums.
Viatical Settlements provides detailed information about viatical settlements, viatical life insurance settlements, viatical life settlement associations, and more. Viatical Settlements is affiliated with Sell Structured Settlement Payment.
By Peter Emerson
Wednesday, January 25, 2006
Smart Web Crawlers
To classify web pages well, you need to know who's linking to them and who they link to. Features of those linking and linked pages can be helpful in making that choice. In an article at http://directmag.com/searchline/1-25-06-Google-BigDaddy/index.html , I'm reminded that crawlers aren't just about text:
"For example, Google has also begun using a search crawler built on a Mozilla browser. The new search bot is more flexible, seems faster and can read non-text content more readily; that should mean that in time, it will be able to read links within images and even within Flash video, matter that gets ignored by bots that can’t speak Javascript."
Bottom line: Crawlers have to be as good at interpreting web content as browsers.
"For example, Google has also begun using a search crawler built on a Mozilla browser. The new search bot is more flexible, seems faster and can read non-text content more readily; that should mean that in time, it will be able to read links within images and even within Flash video, matter that gets ignored by bots that can’t speak Javascript."
Bottom line: Crawlers have to be as good at interpreting web content as browsers.
Smart Web Crawlers
To classify web pages well, you need to know who's linking to them and who they link to. Features of those linking and linked pages can be helpful in making that choice. In an article at http://directmag.com/searchline/1-25-06-Google-BigDaddy/index.html , I'm reminded that crawlers aren't just about text:
"For example, Google has also begun using a search crawler built on a Mozilla browser. The new search bot is more flexible, seems faster and can read non-text content more readily; that should mean that in time, it will be able to read links within images and even within Flash video, matter that gets ignored by bots that can’t speak Javascript."
Bottom line: Crawlers have to be as good at interpreting web content as browsers.
"For example, Google has also begun using a search crawler built on a Mozilla browser. The new search bot is more flexible, seems faster and can read non-text content more readily; that should mean that in time, it will be able to read links within images and even within Flash video, matter that gets ignored by bots that can’t speak Javascript."
Bottom line: Crawlers have to be as good at interpreting web content as browsers.
Wednesday, January 4, 2006
Pistachios
I usually receive a 5 lb. bag of Costco pistachios for Christmas. They remind me of an interview with one of the members of the Grateful Dead I once saw on TV. When asked (paraphrasing) "How has success made a difference in your life?", he replied, "You know those pistachios that are too hard to open with your fingers, I just throw those away."
Pistachios
I usually receive a 5 lb. bag of Costco pistachios for Christmas. They remind me of an interview with one of the members of the Grateful Dead I once saw on TV. When asked (paraphrasing) "How has success made a difference in your life?", he replied, "You know those pistachios that are too hard to open with your fingers, I just throw those away."
Tuesday, January 3, 2006
Clear Context
If you like SNARF but want to get things done within Outlook, take a look at Clear Context at http://www.clearcontext.com/beta/ . I'm running the beta of v2 and finding it to be a real help in prioritizing and taking action on email.
Clear Context
If you like SNARF but want to get things done within Outlook, take a look at Clear Context at http://www.clearcontext.com/beta/ . I'm running the beta of v2 and finding it to be a real help in prioritizing and taking action on email.
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