The Rapture A Twinkling of an Eye
A father savagely murders his nine children. A stay at home mother drowns her five children in a bathtub. A sex offender confesses to abducting and killing a nine-year-old child. Two weeks later in the same state - another sex offender duplicates the same heinous crime. In late December of 2004, over 75,000 children perished when a 9.3 earthquake caused a great Tsunami off the coast of Asia; 75,000 children were gone in an instant. When reading the morning headlines, nothing can strike more sadness within the soul once finding out a defenseless, innocent child has passed away.
It is only natural for man to ask God how He could allow a helpless child to die. The answer, if given likely would not be sufficient enough for our human minds. The prophet Isaiah explained, “the righteous passes away; the godly often die before their time. And no one seems to care or wonder why. No one seems to understand that God is protecting them from the evil to come (Isaiah 57:1.)
The countries where the Tsunami struck are well known for their worship to false gods and idols. They are content worshipping cows, rats, insects, etc, choosing to worship creatures instead of the Creator. The 1st commandment of the Ten Commandments reads “I am the Lord your Godyou shall have no other gods before me.” The 2nd commandment: “You shall not make for yourself any carved images, any likeness of anything that is in heaven above, or that is in the earth beneath, or that is in the water underneath the earth, you shall not bow down to them nor serve them. For I, the Lord your God, am a jealous God.” The great Tsunami claimed over 300,000 lives in less than a hour. Was the Tsunami judgment upon these pagan nations from God? Not to mention, the majority of countries hit by the Tsunami are well known for the heavy persecution of Christians within their country. Prophetic evangelist, Perry Stone, believes that the aftermath of the Tsunami will allow missionaries to freely teach the Gospel in places which they were restricted to do so before: a fulfillment of the prophecy of the Gospel being preached to all nations.
It was over 2,500 years ago, when Isaiah the prophet declared the prophecy concerning the righteous to die, at the time spiritual wickedness was at an all time high in Israel. According to the amplified Bible:
“The society then was so bad that the righteous people in Israel had to die in order to find peace. Observing the evil all around apparently frustrated them. The only way the righteous could be sparred from such frustration was to die.”
A wise man once said if you want to know what’s going to happen in the future look to the past. America as a nation is on the same spiritual path (i.e. Idolatry, Spiritual Abomination, and Sexual Immorality) that the nation of Israel was before God rendered His judgment. The only difference this time is that instead of the righteous dying, the righteous shall all be changed and taken away in a twinkling of an eye. Was the great Tsunami the beginning of the birth pains described by Christ before His imminent return? The words of Isaiah regarding the righteous can offer a glimmer of hope when a devastating tragedy occurs. We must hold tight to the fact that God is in absolute control when it appears nothing in this world is.
Recommended reading “Plucking the Eagle’s Wings” by Perry Stone Ministries
Nevada York, Author of Caught Up and Mahogany’s Revelation, released her latest book in July of 2004 to rave reviews from readers. Nevada’s published novels are an accomplishment that has been well worth the wait. Not willing to be deterred, her determination has bought about the publication of two memorable novels.
http://nevadayork.com
[tags]Rapture,Revelations,Days of Noah,Soul Insurance,Mahogany’s Revelation,Nevada York,Last Days,Syria[/tags]
The Traveller’s Insurance Checklist
Your trip is booked and all your reservations are made. The next thing on your ‘to do’ list before you head off on that much deserved holiday is: Buy travel insurance. No doubt you have many questions that need answers before you can decide which travel insurance company best meets your needs - questions such as: What should travel insurance cover? How much should I be paying? Is there usually a deductible?
You will be able to wade through the many different travel insurance plans offered and find the most suitable package for you and your family by asking insurance companies the following pertinent questions:
Questions
- What is covered in the plan?
- What is not covered in the plan?
- Is there a deductible that must be paid for each claim?
- Does the plan deny benefits for a pre-existing condition?
If not, how much more will it cost to cover a pre-existing condition?
- Are there any exclusions pertaining to sports or other activities?
- Is every member of my family covered?
- What is the average time frame for a claim to be paid?
These questions will help you cover all the important bases while shopping for travel insurance. They can prevent unpleasant surprises such as having to pay for unforeseeable circumstances once your claim is reviewed.
Many travellers neglect to buy travel insurance because shopping around for the perfect plan can be stressful. However, their stress level would likely double should any unfortunate event occur during their trip. Why take the risk? Travel insurance can take care of you and your family while you have the vacation of your dreams.
About the Author
Johnny Mangiante is an online journalist. He is also the editor and webmaster for many websites. For more information on Travel Medical Insurance for Visitors to Canada at http://www.visitorstocanada.com
[tags]travel medical insurance, health insurance, accident, coverage, insurance policies[/tags]
Structured Settlements Brokers
Some companies offer their services in form of brokers or representatives who can deal with the structured settlement process. These brokers would be the people who are actually involved in the discussions. These brokers can provide some valuable advice to the attorneys handling the case if the attorney is not specialized in the field of structured settlements.
The broker needs to be provided with all the personal details of the attorney’s client as well as employment and medical history relating to that individual. Also, the financial and credit history has to be provided for the broker’s perusal. The broker usually works with the individual’s lawyer and helps in the negotiations with the other party to reach a proper settlement that would meet the client’s needs to the maximum.
A broker is able to advise the attorney on various offers available that could suit the client’s needs. The broker must be able to provide detailed description for each of these offers and should be able to answer all the queries relating to these offers. This is very important since a finalized structured settlement is not open for any changes or negotiations by either party. This can be problematic if the client gets into a wrong settlement that does not really meet the requisite needs. However, if the other party proves to be bothersome, this might provide some added security.
Usually, structured settlement brokers can also help the client in selling part or whole of their settlement if the need arises. However, no broker would be able to get a complete market value for the settlement, irrespective of the broker’s negotiation skills.
It is a good practice to hire a registered broker since they are specialized in the field of structured settlements and can provide the best advice. Also, these brokers have a good background in finance and would be able to assist when the time comes for liquidating the settlement.
Structured Settlements provides detailed information about structured settlements, cash for structured settlements, sell structured insurance settlements and more. Structured Settlements is affiliated with Lawsuit Loans In Texas.
[tags]structured settlements, cash for structured settlements, sell structured insurance settlements[/tags]
Life Insurance - Women Furious Over Insurer Gene Testing
Thousands of women with family histories of breast and ovarian cancer could pay higher insurance premiums or even be denied cover altogether under new proposals from the insurance industry.
The Association of British Insurers (ABI) is expected to lodge an application for permission for its members to ask women whether they have been tested for the BRCA1 and BRCA2 mutations.
The faulty BRCA genes are responsible for about five per cent of the 41,700 new cases of breast cancer and 10 per cent of ovarian cancers diagnosed in Britain each year.
If the insurers are granted permission by the Genetics and Insurance Committee (the organisation that advises the Government on the issue), women who have tested positive could be forced to pay higher premiums. Some companies may even refuse high value life or critical illness insurance.
A notice published on the GIC’s website said, “The Committee expects that the Association of British Insurers will submit in late 2006/2007 four revised and updated applications for the use of adverse results from predictive genetic tests of the BRCA1 and BRCA2 genes (breast/ovarian cancer) in helping to determine insurance premiums for life and critical illness insurance.”
At present, the only predictive genetic test the committee has allowed insurance companies to ask about is for Huntington’s Disease. This is because of the lack of environmental influences on its development.
However, across Europe, several countries have banned insurers from using genetic tests to decide premiums. Also, in 2005, a voluntary agreement to avoid using such tests by British insurance companies was extended until 2011.
Under this agreement, insurers can ask potential customers only about genetic testing results for Huntington’s Disease. However, they can only ask for the information for policies that are worth more than
Reliable Life Insurance Company Which Companies are the Best
The life insurance industry is a carefully regulated industry. Every state has its own insurance department to monitor the activity of insurers. You very rarely hear of life insurance companies that dissolve because of financial problems. Insurance companies have to prove financial strength to operate in most states. Insurance commissioners have the authority to approve or deny rate changes. There are consumer guides that are available to help you compare companies. The AM Best Company is the most reliable resource in the industry. You can visit AM Best online and you will find all the information that you need about financial strength and product information.
Life insurance companies distribute their products many different ways. The agent distribution system has been around a long time. The life insurance professional is a valuable resource for people that want an on going relationship with an agent. A lot of folks want the personal service that only an agent can provide. Life insurance can also be purchased through the mail. There are a number of companies that use direct mail as their distribution system.
Insurance companies are also offering life insurance online. This is convenient for most folks that love to use their computer to make purchases. The online purchase can also lead you to an agent. That can give you the best of both worlds. You can begin the process by getting a quote online and finish the purchase with an agent from a company of your choice. The company best for you would be the combination of the financial strength and whether or not you prefer to be serviced by an agent.
There is one more factor when selecting an insurance company. Do you want to purchase insurance from a stock company or a mutual company? Stock companies are owned by the stock holders while the mutual companies are technically owned by the policy holders. Mutual companies pay dividends. Stock companies do not. Compare the rates of a stock company with a mutual company first and then compare the rates of stock companies with stock companies and mutual companies with mutual companies.
View our Recommended Source for Insurance Quotes it is a simple site that offers low rate insurance quotes of all types. life insurance quotes home owners insurance
[tags]reliable,life,insurance,company[/tags]
Life Settlement Agents
Life settlements also known as life insurance settlements, senior settlements, or senior life settlements have quickly become an important tool for insurance agents, financial planners, estate planners, elder law attorneys, and other financial related professionals.
A life settlement is a financial transaction in which a senior citizen policy owner of an unneeded, underperforming, or unwanted life insurance policy sells the policy to a third party, as opposed to surrendering or lapsing it back to the life insurance company. The senior citizen policy seller receives immediate cash for the policy from the purchaser.
Agents and financial planners are beginning to market life settlements to their current client base and to potential clients. The most current effective methods of marketing life settlements are one-on-one presentations, seminars, and client newsletters. There has also been success with direct mailing either a client base or demographic base fitting the life settlement parameters.
A life settlement broker can assist life settlement agents with marketing material, educational material, and evaluation material. Having the correct knowledge about the life settlement product and material is important for any financial planner or agent meeting with a client or potential client. Each life settlement case is looked at differently, the biggest factors are the age of the insured, health of insured, policy size, premium amount, and current cash value (if any). Most life settlement brokers can provide simple qualification or evaluation forms that will quickly determine if a settlement would be available for that specific individual.
Life settlements are still a new concept for most agents and financial professionals. Many still do not understand the concept or have the right education about life settlements. It is important for these professionals to take the time to learn about life settlements so that in return they can relay this information to their clients. Many policy owners do not understand that there could be a cash settlement available for a life insurance policy that they are going to surrender or lapse. Insurance agents and financial professionals need to take the correct marketing and education steps to reach those clients in need. A life settlement can create added financial benefits for both the client and the financial professional.
Life Settlement Pro is a Life Settlement Broker and provides detailed information about life insurance settlements, life settlements, senior life settlements, Life Settlement Company and more. LifeSettlementPro.com offers free Life Settlement Evaluations.
Grant Shellhammer
Life Settlement Pro
www.LifeSettlementPro.com/
1-888-973-8377
[tags]life settlements, life insurance settlement, life insurance, senior settlement, viatical, settlement[/tags]
Business Insurance - Today’s Business Lifeboat
Do you run a small business? Is your business insured? If not you could be risking your and your business’ future.
Learn about business insurance, and see why its today’s business lifeboat.
Expensive if You Don’t Use It - Cheap if You Do
The cost of doing business today is rising all the time, its true. Salaries and worker’s benefits are taking a bigger chunk of your profits.
Taxes are always a key consideration, and material costs are rising as well. Add to this insurance, and you have a real significant number on your cost of doing business column (on your profit and loss statement).
When looking at insurance you will be amazed as the amount of risks you are obliged to cover.
There are the obvious accidents or acts of nature risks, worker’s compensation, health and retirement plans, but then there are a host of other risks that can, and many should be insured.
It’s a maximum that all insurance is expensive if you don’t use it, but very cheap if you do.
The “Got To Have” Business Insurance Risks
Here is a list of basic insurance risks that every business should cover;
Fire, Theft, Water Damage, and Malicious Damage to your business location
All required worker insurance obligations, and for good worker relations, some perk insurance for employees, like some group private health plan, and retirement fund.
Product liability if you are producing a product
Transportation insurance for all your vehicles (full Casco advised)
Fidelity insurance if your employees handle money. This may be a really indispensable pre-paid asset to your business.
The “Nice to Have” Business Insurance Risks
Business interruption insurance
3rd Party Liability if you are producing a product for wide distribution
Litigation insurance
Damage due to civil disobedience and terrorist activity
Business specific items
Buying Insurance
The choice of buying insurance is becoming a tiresome activity with so many options and prices (and insurance terms), that finding and using a good broker may be your best bet
The insurance broker has some advantages over using one company exclusively.
The broker can shop around, negotiate directly with underwriters (which you cannot do), and tailor make some policies for you.
The cost of using a broker may be easily absorbed by the lower cost of the insurance he provides you and your business.
You must make very sure of the broker’s qualifications, and demand a list of companies and underwriters he deals with.
Ask for a client list, and his inclusion in professional insurance societies. A search on the internet is also helpful. When you are satisfied, start using the broker to plan your business insurance risk profile and coverage plan.
MORE FREE INFO
On all aspects of business insurance and how to makeyour business more profitable visit our website for a huge resource of articles, features and downloads and at http://www.net-planet.org/index.html.
[tags]Business Insurance[/tags]
SIPP Providers UK
A SIPP is a type of Pension which provides you a tax efficient way in which you can invest funds to build a regular income and a tax free lump sum amount when you reach an age above 50.
SIPP is different from traditional pension plans as it provides More control and flexibility to make any type of investments including cash, equities (shares), bonds & gilts, commercial property or collective investments in some specialist residential property funds, you wish within your pension plan.
It also provides the freedom to transfer the any assets held within a personal pension or an occupational pension or an annuity pension plan, into a SIPP. It offers the best planning and tax reduction opportunities like: Income Tax: Tax relief is available on your own contributions to your SIPP at the highest tax rate you pay; e.g. if you are a higher rate tax payer you will receive
10 Ways To Identify If Your Mover Is Right For You
If you manage to find the right mover then half the battle is won. One of the greatest challenges of moving from one city to another, to the countryside, or abroad is locating an efficient and honest mover.
Keep in mind the following: movers must have a good reputation, an extensive network, and be licensed and insured. In addition, they must be professional, polite, understand your needs and proffer the right advice.
Here are a few considerations to put you on the right track:
1. Meet the mover and find out how long they have been in business and whether they can give you a few references.
2. Check the references. Call his clients to check on the services the mover offered and whether there were any problems.
3. Do an online search to determine whether there are any warnings or complaints against the mover.
4. Check with the local chamber of commerce or bank to determine the moving company’s business standing.
5. Check if the mover’s license and insurance are current. Ensure they have workman’s compensation and other benefits in place.
6. Determine whether the mover handles the work himself or assigns it to a sub agent or associate.
7. The mover must have a wide network with offices in the place you are moving to.
8. A reputable mover will be a member of AMSA, the American Moving and Storage Association. As a professional he will have committed to following an industry Code of Conduct and will offer quality service.
9. The ideal mover will not give you an estimate off the top of his head. He will insist to making a preliminary inspection, listing objects to be moved, and ask you to answer a number of questions. Based on which he will prepare an estimate and highlight variables.
10. He will be open minded and explain clearly what you can expect and what you cannot. He will tell you all about insurance, the actual moving process, transit storage, guarantees and so on.
An ideal mover will value your business and explain his responsibilities clearly.
Once you know you have to move allocate enough time to finding the right mover. Ask relevant questions like will my stuff reach its destination as promised, will the material move as one load or as part of other things, a larger load. What kind of training do your workers receive? Are the workers experienced in packing antiques and other valuables? Do I need additional insurance apart from the one provided by you?
Be prudent and weigh the pros and cons carefully. Never let cost dictate your choice. Sometimes by cutting corners to save a few pennies you may loose thousands in damaged goods or lost goods.
Paul Wilson is a freelance writer for http://www.1888MovingCompanies.com , the premier website to find help on moving including topics on moving companies search, compare movers, moving insurance, auto transport, moving tips and more. He also freelances for the premier REVENUE SHARING discussion forum for Moving Movers Site http://www.1888discuss.com/moving-movers/
[tags]moving companies search, compare movers, moving insurance, auto transport, moving tips[/tags]
Viatical Settlement Companies
Death may be the only sure thing in life, and gambling on it may sound disconcerting to many. Viatical settlements involve selling the life insurance policy of a terminally ill person to a company who pays a lump sum cash amount in return for the policy. The companies buy the policy at a reduced rate of the face value, sometimes as much as 50% of the face value, and then collect the death benefits after the person’s demise. Morbid as they may sound, but viatical settlements can provide relief to terminally ill people whose life expectancy has been predicted to about two years or so.
This is basically a high-risk transaction, as life itself is unpredictable. The viator (seller) may outlive the predicted life expectancy, and in this case, the company who buys the policy will stand to lose. The longer the person lives, the lower is the return value of the policy.
A terminally ill person may wish to sell his policy to raise cash to in order to ease the financial strains of his final days or to leave something for his children or grandchildren.
There are many private companies who purchase the life insurance policies. They, then become the beneficiaries on the demise of the original policyholder. Before selling the policy, ensure that you are selling to a funding company and not a broker company. This is because broker companies are not the actual buyers and they may or may not act in your best interests.
Also, the buyer companies have their own rules for buying the policies. They would run a checklist on your policy. For example, most companies prefer that a policyholder has had the policy for at least two years. They may also ask you to sign a release allowing them to access your medical records.
You should not accept payments on installments. As per New York State law, all funds must be received at the time of sale. Also, there should be no hidden fees involved at the time of sale.
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.
[tags]viatical settlements, viatical life insurance settlements, viatical life settlement associations[/tags]
