Archives
- 2010
- Jan01Power Thought on Women“#powerthoughts Women really do rule the world. They just haven't figured it out yet. When they ...”02Power Thought on Worry“#powerthoughts (She) spoke with the nonchalance of someone who'd never had to worry about such things. Eileen ...”03Power Thought on Hope“#powerthoughts Politics hates a vacuum. If it isn’t filled with hope, someone will fill it with ...”04Power Thought on Affecting Others“#powerthoughts The true stewardship of a woman lies not in what she has, but in how ...”050607
- May
- Jun
- Aug030406Coaching Challenge on Answered Prayers“Challenge Thought: If someone prays for patience, do you think God gives them patience? Or does ...”07Coaching Challenge on Miraculous Possibilities“Challenge Thought: When you live your life with an appreciation of coincidences and their meanings, ...”09Coaching Challenge on Integrity“Integrity reveals beauty. Thomas Leonard Quotes Coaching Challenge: I'm a very practical human being in many ways. One ...”1314151617181920212223
- 2009
- Jan03Search Engine Strategies (SES) 2009 Conferences“Now's the time to start updating your calendar's for SES's 2009 Conferences. They'll be presenting expos ...”04Federal National Mortgage Association“ Fannie Mae is the common name for the Federal National Mortgage Association - FNMA. ...”05Fannie Mae“Fannie Mae is the common name for the Federal National Mortgage Association - FNMA. ...”06Happy New Year!“2009 is poised to be an exciting year, and I just want to wish all ...”07Secondary Mortgage Market“The Secondary Mortgage market is the market where existing mortgages are bought and sold, usually ...”FNMA“Fannie Mae is the common name for the Federal National Mortgage Association - FNMA. It ...”08Surprising Benefits of Article Marketing“It's a double edged sword that one of the reasons why I'm as good at ...”09Kickin' the Old Schol“I'm really just starting to appreciate how stubborn I can be at times. I'll give ...”10Freddie Mac“Freddie Mac is the common name for the Federal home Loan Mortgage Corporation - FHLMC. ...”11Federal National Mortgage Association“Fannie Mae is the common name for the Federal National Mortgage Association - FNMA. ...”12FHLMC“Freddie Mac is the common name for the Federal home Loan Mortgage Corporation - FHLMC. ...”13Conforming Loans“Conforming Loans are loans that conform to Fannie Mae (Federal National Mortgage Association - FNMA) ...”14Counteroffer“A counteroffer is an offer made in return for an unsatisfactory offer. Lenders often ...”15Deed“A deed is a legal instrument used to grant a right. It must be ...”1617Clever Hans by Author Unknown“Clever Hans was purchased by Wilhelm von Osten, a retired schoolmaster. Von Osten was convinced ...”18Deed of Trust“A Deed of Trust is also known as a Trust Deed. A third-party ...”19What To Talk About With Your Coach by Thomas Leonard“WHAT A COACH AND CLIENT DO IS TALK AND LISTEN. That much is pretty obvious. ...”20Tribute to Alexander Everett“Shiplake College, a school Alexander Everett founded, offered a moving tribute to him shortly after ...”
3 commentsTLD - Top Level Domain“TLD is an acronym for Top Level Domain. These are the domains that you're the ...”21The Wooden Bowl by Author Unknown“A frail old man went to live with his son, daughter-in-law, and a four-year old ...”22Coaching Your Kids to be Leaders by Pat Williams“ Coaching Your Kids to Be Leaders: The Keys to Unlocking Their Potential Pat Williams Coaching Your Kids ...”
1 comments2324Comprehensive List of Resource Links“This is a comprehensive list of resource links. It's been over a year since we've ...”Fixed Annuity“Defines an exact monthly benefit.”25Annuitization“At the time of the annuitization the number of units becomes fixed.”2627282930Social Bookmarking“Social Bookmarking is a method used by online users to Favorite or Bookmark sites similar to ...”31Trust Deed“A Deed of Trust is also known as a Trust Deed. A third-party ...”5 People You Meet In Heaven“All ending are beginnings. We just don't know it at the time... If you've ever felt ...” - Feb010203Metrics“Metrics are ways of measuring things. Metrics in Internet Marketing could be the measurement ...”0405Deed In Lieu of Foreclosure“A Deed In Lieu of Foreclosure is when the borrower signs the deed over to ...”06Power Thought for the Day“I can tell how much money you make by looking at how you respect your ...”07Power Thought for the Day“Set a goal to become a millionaire for what it makes of you to achieve ...”08Power Thought for the Day“Believing that the dots will connect down the road will give you the confidence to ...”09Foreclosing“The act of foreclosing on a mortgage. Foreclosing is the process of claiming the ...”10We Might As Well Dance“This was written by an 83-year-old woman to her friend. The last line says it ...”
1 comments11The Four Wives“There was a rich merchant who had 4 wives. He loved the 4th wife the ...”
4 comments12CFP - Certified Financial Planner“A Financial Planner's knowledge tends to be broad but not particularly deep in any one ...”
1 comments13Financial Analyst“Financial Analysts study the financial performance of corporations. They may work for banks, insurance ...”14CFA - Chartered Financial Analyst“A Chartered Financial Analyst (CFA) is a professional designation given by the CFA Institute of ...”15Variable Annuity“The payout is not guaranteed. The value of the units varies. They tend to ...”16Asset Account“Where annuity contributions are held in a variable annuity. The annuitant is credited with ...”17Annuity Units“The annuitant is still subject to market risks. The number of annuity units is ...”18Accumulation Units“The units being accumulated towards receiving the annuity.”19403(b) Plan TSA“For employees of public education and charitable organizations.”20HR 10 Plan“For the self-employed.”21Straight Life Annuity Settlement Option“To receive the full benefit of the policy the insured must live out to at ...”22Life Annuity with Installment Refund“Guaranteed payments will continue to the beneficiary.”23FICO“FICO is the acronym for the Fair Isaac Credit Organization. The Organization uses data ...”24Annuity Period“The time frame that the annuity payments are paid out.”25Simplified Employee Pension (SEP) Plan“Designed to be offered by a small employer for the benefit of their employees.”26Annuitant“The annuitant must be a natural person, receives the annuity benefits, and their life ...”27Roth IRA“Contributions are not tax deductible. Contributions can continue after 70.5 and distributions do have ...”28Debenture Bond - Subordinated Debenture“Every debenture issued subsequent to the original debenture issued is a Subordinated Debenture.” - Mar01Debenture Bond“An unsecured bond that is only backed by the full faith and credit of the ...”02Secured Bonds“Tend to be safer than some other types of bonds. Types of Secured Bonds: Mortgage Bonds – ...”03Volatility“If something is volatile it is subject to fluctuations in price and can be ...”0414 Ways To Become Super Rich by Bright Johnson“A lot of people are poor because of myths or wrong assumptions about money. For ...”0506Managing Personal Finance Has Never Been Easier“Managing personal finance may not be everyone's cup of tea, especially for those who have ...”0708Money Mastery“Money can be your servant or it can be your master. The choice is yours ...”
1 comments09The Quick and Easy Way to Effective Speaking1 comments10Pricing of Debt Securities“Pays a stated interest rate. Are also known as Yield or Nominal or Coupon.”11Department of Financial Services“Issues licenses in Florida.”12Rebating“Giving cash or anything of value to induce a sale. Can be dictated ...”13McCarran Ferguson Act“The law that decided that state regulation of the insurance industry was best.”14Alien Insurer“Companies incorporated out of the United States.”15Domestic Insurer“A company doing business in the state where it was incorporated.”
2 comments16Foreign Insurer“A company licensed to do business in a state where it was not incorporated.”17Mass Marketing“Mass marketing venues are TV, radio, newspapers and the like. It is advertising, not ...”18Direct Selling“An example of direct selling in life insurance would be the policies that can be ...”19PPGA – Personal Producing General Agency“The primary function of a PPGA is to sell insurance.”20Career Agency“The primary function of a career agency is to recruit, train and supervise.Li”21Industrial Insurance“Industrial insurance is characterized by having a small face amount and the premiums are collected ...”22Home Service Insurers“Are debt and industrial insurers.”23Fraternal Benefit Society“A non-profit insurance company with a lodge system.”242526Reinsurer“Reinsurers help insurance companies transfer their own risk.”27Living Together Agreements“Living Together Agreements are similar to a prenuptial agreement in that it specifies who owns ...”
3 comments28Abstract of Title“A written report about the title to a particular piece of real estate. The ...”29EIN - Employer Identification Number“A nine-digit number issued by the IRS to employers. It is used to link tax ...”3031 - Apr0102Accountant“by Wise Geek An accountant is an individual who performs accounting tasks for individuals or ...”03Circular E“This is also known as Publication 15. It is a publication by the IRS (Internal ...”04Dividend“In a Mutual Company a dividend is a refund of overpayment.”05Life Insurance Companies - Two Types“Non-participating Stock companies and participating Mutual Companies.”
1 comments06Multi-line Insurance Companies“Write more than one type of insurance.”Inflation Protection“ When Long Term Care benefits increase each year to accommodate inflation this is known as ...”
1 comments07Home Care“Home care is exactly what it sounds like. Professional aides come to the home to ...”08Adverse Selection“There is an adverse selection for life insurance policies because people in bad health will ...”09ADL - Activities of Daily Living“Activities of daily living are activities such as bathing, eating and dressing. The ability to ...”Power Thought for the Day“You must begin to understand, therefore that the present state of your bank account, your ...”10Employee Retirement Income Security Act – ERISA“Florida retirement plans are regulated by this federal act that was passed in 1974.”Power Thought for the Day“The more I study the wealthy.. in an effort to learn how to help more ...”11Family Dependency Period“The period of life where if the insured dies they leave behind dependent children in ...”Power Thought for the Day“I can change. I can live out of my imagination instead of my memory. I ...”
1 comments12Pre-retirement Income Period“The period after the children have become independent but before the surviving spouse qualifies for ...”13Power Thought for the Day“Loss is nothing else but change, and change is Nature's delight. Marcus Aurelius Quotes”14Tips on the Stock Market - 1929“Eddie Cantor's comedy routine following his losses in the 1929 Stock Market crash.stock-market-tips”1516Big Book of Customer Service Training Games“By Carlaw and Deming Help your employees to excel in dealing with the public with this ...”17Retirement Period“The surviving spouse’s income has ceased and they have qualified for Social Security.”18Key Person Disability Policy“The benefit is treated as reimbursement for loss of services from that key person.”19Human Values Needs Approach“Determines the policy coverage based on the capitalization of the insured’s future earnings.”
2 comments20Income Periods“There are three: family dependency, pre-retirement, and retirement.”21Qualified Retirement Plans and Annuities“Receive favorable tax treatment.”22Games Trainers Play“By John W. Newstrom and Edward E. Scannell "Get any training session off the ground fast ...”23Team Games for Trainers“By Carolyn Nilson "Effective team building through training games. Carolyn Nilson's Training Games for Trainers reveals ...”24The Mountain“A son and his father were walking on the mountains. Suddenly, his son falls, hurts himself ...”25Parable Of The Pencil“The Pencil Maker took the pencil aside, just before putting him into the box. "There ...”
1 comments26Wait for the Brick“A young and successful executive was traveling down a neighborhood street, going a bit too ...”27Saturday May 2nd - Fire Sale!“Saturday May 2nd is Fire Day and we'll be honoring this fine tradition with a ...”28Another Man's Folly“.......He paid the price for another man’s folly. One life gone, 2 people dead ! A mother ...”29For All Mankind: The Secret of Thomas Edison by Grace Products“The Life of Thomas Edison "Genius is 1% inspiration and 99% perspiration." Thomas Edison Edison was an ...”30Building Your House“An elderly carpenter was ready to retire. He told his employer-contractor of his plans to ...” - May01Using Craigslist to Get Some Traffic“Jason Katzenback with Portal Feeder shares a short, to the point, and very valuable look at ...”02Looking for a Publisher?“ LEE & LOW BOOKS, 95 Madison Avenue, New York, NY 10016. Email: general@leeandlow.com Website: http://www.leeandlow.com ...”Swine Flu Update2 comments03Training and Workshop Music U - Z1 comments04Default“A Default is a failure to meet financial obligations. Defaulting on a mortgage can ...”05Need More Money for a Fundraiser or Project?“Need more money for a fundraiser or project? Struggling to make ends meet? Just want some play ...”06Training and Workshop Music M - P1 comments070809Training and Workshop Music A - D1 comments10The Rose Within“A certain man planted a rose and watered it faithfully and before it blossomed, ...”11Puppies For Sale“A farmer had some puppies he needed to sell. He painted a sign advertising ...”12A Christmas Story by Author Unknown“The old man sat in his gas station on a cold Christmas Eve. He hadn't ...”13A Box Full of Kisses“The story goes that some time ago, a man punished his 3-year-old daughter for wasting ...”14NLP Fast Phobia Cure1 comments15Executive Coaching“Executive coaching is a facilitative one-to-one mutually designed relationship between a professional coach and a ...”16Skill“The ability to do something well whether the ability is a natural aptitude or aquired ...”17Education“By Dictionary.com 1. The act or process of imparting or acquiring general knowledge, developing the powers ...”18Training“By Dictionary.com Training is the education, instruction, or discipline of a person or thing that is ...”19Trainer“A trainer is a person, software, or thing that trains.”2021Deed Restrictions“Deed Restrictions are the restrictions that are placed in a deed that control the use ...”2223Take The Clean Sweep Assessment“ Please note: the totally function in the assessment is currently not working - but ...”24Origination Fee“The Origination Fee is the fee charged by the lender (mortgagee) for originating (writing) a ...”Depreciation“Depreciation is a reduction in value for any reason, but usually because of wear and ...”25262728Power Thought for the Day - 5-28-2009“What do networks want? The redistribution of power. Alvin Toffler Quotes”29Power Thought for the Day - 5-29-2009“We evolve at the rate of the tribe we are plugged into. Caroline Myss Quotes”30Teamwork Checklist“Teamwork Checklist You will find the following techniques helpful in maximizing the success and satisfaction of ...”Power Thought for the Day - 5-30-2009“Teamwork is so important that it is virtually impossible for you to reach the heights ...”31All Aboard Training Game And Exercise“Objectives: Group/Team This is a quick warm-up activity designed to stimulate thought about what makes a team/group ...”Power Thought for the Day - 5-31-2009“It it finally when you let go of what people expect you to be and ...”Excuses Begone by Wayne Dyer“I just caught the last 10 minutes of the PBS presentation of 'Excuses Begone' by ...”
- Jun0102The Death of Network Marketing With Mike Filsaime“I'm moving an old post from an old blog - so the post is a ...”03Ineligible for Appointment in Florida“Veteran's Administration Employees and Funeral Directors are ineligible for Life, Health, and Variable Annuity appointments ...”04Adverse Selection“There is an adverse selection for life insurance policies because people in bad health will ...”05Just gettin' started; woo hoo!“Just gettin' started; woo hoo!”Mutual Insurers“Incorporated insurers without capital stock or shares. ”06Availability of Insurance Benefits“May not be denied based on sex or marital status. ”You can also follow me over at...“You can also follow me over at @tracyphaup if you rather (smile)!”If you missed it today - #locm...“If you missed it today - #locmia totally rocked today! Great presentations; thanks @ricktuttle ...”Awesome job today @clover - gr...“Awesome job today @clover - great presentation at #locmia and thanks for the advice!”Thanks @tammytibbles for helpi...“Thanks @tammytibbles for helping me crack the code today on 6 Sigma at #locmia - ...”@tammytibbles - and LOVe the O...“@tammytibbles - and LOVe the Oscar Wilde quote - quotes are one of my "things" ...”TopFollowed grows your Twitter...“TopFollowed grows your Twitter network through reciprocal following: http://topfollowed.com”07Hazards Perils and Risks“Hazards lead to perils and cause risk. ”Term Life Insurance“Term life insurance is the original form of life insurance and is considered to be ...”Power Thought for the Day - 6-7-2009“You may be a human angel yet not know it. Your fate or intuition may ...”08License“The purpose of a license is to write primarily uncontrolled business. ”Power Thought for the Day - 6-8-2009“...we are responsible for following our original instructions - those given by the creator. ...”09RT @davidcheyne http://bit.ly/...“RT @davidcheyne http://bit.ly/EXeRV Free Twitter Software.. http://www.twitteringfortraffic.com/tracyphaupgroup”Social Media ROI Calculator“Just found this calculator to use to help determine your ROI (Return On Investment) from ...”Misrepresentation“Deliberately misrepresenting a policy so that the owner will replace it.”Power Thought for the Day - 6-9-2009“In your hopelessness is the only hope, and in your desirelessness is your only fulfillment, ...”10Defamation“Oral or written statements intended to injure another producer or insurer or anyone involved in ...”Power Thought for the Day - 6-10-2009“When you do nothing, you feel overwhelmed and powerless. But when you get involved, you ...”11RT @garymccaffrey has a crazy ...“RT @garymccaffrey has a crazy idea. 19,530 new twitter followers in 30 days? Check it ...”1213This finds PEOPLE instead of T...“This finds PEOPLE instead of TWEETS to add to your friends list - http://bit.ly/l2Wd4 #twitterhit ...”14Corporate Bond“A bond issued by a corporation; carries no claim to ownership and pays no dividends ...”15Cash Value – Borrowing From“Policy Owners can borrow up to the full amount of their whole life's Life Insurance ...”17Whole Life Insurance“By Wikipedia Whole life insurance, or Whole of Life Assurance, refers to a policy that ...”19Power Thought on Time and Money - 6-19-2009“I can tell how much money you make by looking at how you respect your ...”20Power Thought on Managing Time - 6-20-2009“Until we can manage TIME, we can manage nothing else. Peter F. Drucker Quotes”21Power Thought on Speaking - 6-21-2009“The Sufis advise us to speak only after our words have managed to pass through ...”22Power Thought on Grace and Sorrow - 6-22-2009“The grace of God sometimes comes in the form of sorrow. If we are not ...”23Holiness - 6-23-2009“We live in a world of theophanies. Holiness comes wrapped in the ordinary. There are ...”25New Road to Fitness and Wellbeing“I've been going through a lot of Changes in my life and it seems like ...”26Variable Universal Life Insurance (VUL)“Variable Universal Life Insurance (often shortened to VUL) is a type of life insurance, that ...”@Hescmnbk63 You so totally roc...“@Hescmnbk63 You so totally rock! HOpe all is well...”Get a Dose of Virtual Reality Tonight“"Virtuality" is coming on TV tonight, for you virtual reality fans. Last minute notice but maybe ...”Power Thought on How Great People Live Their Lives - 6-26-2009“The difference between great people and everyone else is that great people create their lives ...”2710,000 Followers, EASY!: http...“10,000 Followers, EASY!: http://xrl.us/bew4pd”Requesting an invite for Tweet...“Requesting an invite for Tweetboard Alpha (http://tweetboard.com) by @140ware, for my site: http://www.tracyphaup.com”10,000 Followers, EASY!: http...“10,000 Followers, EASY!: http://xrl.us/bew4pd”Universal Life Insurance“By Wikipedia Universal Life is a type of permanent life insurance based on a cash value. ...”Watch any movie you want: http...“Watch any movie you want: http://movieremote.com”Twitter Updates for 2009-06-27“ 10,000 Followers, EASY!: http://xrl.us/bew4pd # Requesting an invite for Tweetboard Alpha (http://tweetboard.com) by @140ware, for ...”28Just got more followers: http:...“Just got more followers: http://is.gd/R5Sq”Twitter Updates for 2009-06-28“ Just got more followers: http://is.gd/R5Sq # ”Twitter Weekly Updates for 2009-06-28“ @Hescmnbk63 You so totally rock! HOpe all is well... in reply to Hescmnbk63 # 10,000 ...”29@DCCordova One of my favorite ...“@DCCordova One of my favorite quotes is from "What's Love Got To Do With It?" ...”Checking out http://tweetspinn...“Checking out http://tweetspinner.com to rotate profiles, create dynamic tweets, auto-purge, mimic follow, see reciprocity scores, ...”Power Thought on the Unconscious - 6-29-2009“Until you make the unconscious conscious, it will direct your life and you will call ...”Just got more followers: http:...“Just got more followers: http://is.gd/R5Sq”Money Coaching“George kinder has a set of three questions famous for their ability to focus you ...”Twitter Updates for 2009-06-29“ @DCCordova One of my favorite quotes is from "What's Love Got To Do With It?" ...”30Website Traffic Estimater.. ht...“Website Traffic Estimater.. http://digg.com/d18dft”I Applied for 300 Jobs (Still ...“I Applied for 300 Jobs (Still Didn't Hear from McDonald's).. http://digg.com/d1tsrw”Map of Elephant DNA Reveals Tr...“Map of Elephant DNA Reveals Trail of Ivory Smugglers.. http://digg.com/d1vFqd”Rory O'Shea Was Here“The caption for the movie says it all. Rory O'Shea is living proof of the ...”Thousands of followers: http:/...“Thousands of followers: http://w3t.org/f3c601”Twitter Updates for 2009-06-30“ Website Traffic Estimater.. http://digg.com/d18dft # I Applied for 300 Jobs (Still Didn't Hear from McDonald's).. http://digg.com/d1tsrw ...”
- Jul01Minutes to Mastery - Signing Up For A Twitter Account on YouTube“I uploaded a YouTube video -- Minutes to Mastery - Signing Up For A Twitter ...”Minutes to Mastery - Creating a Post in WordPress 2.8 on YouTube“I uploaded a YouTube video -- Minutes to Mastery - Creating a Post in WordPress ...”Harold and Maude“"Black comedies don't come much blacker than this cult favorite from 1972, and they don't ...”Twitter Updates for 2009-07-01“ I uploaded a YouTube video -- Minutes to Mastery - Signing Up For A Twitter ...”02Just got more followers: http:...“Just got more followers: http://tinyurl.com/tweetfollowers”Power Thought on Healing - 7-2-2009“Healing is the process of accepting all, then choosing best. Neale Donald Walsh Quotes Thanks to Andres ...”The 15 Creepiest Vintage Ads O...“The 15 Creepiest Vintage Ads Of All Time.. http://digg.com/d1vPd8”Creating a Blog Post in WordPress 2.8 - A Minutes to Mastery Podcast“http://www.tracyphaup.com/blog/media/podcasts/minutes-to-mastery-creating-blog-post-wordpress-2.8.m4v”Reiki Practioners Going to Hell?“You know... Do you ever have one of those moments where you question if we've managed ...”Twitter Updates for 2010-01-03“ Just got more followers: http://tinyurl.com/tweetfollowers # The 15 Creepiest Vintage Ads Of All Time.. http://digg.com/d1vPd8 # ”03Power Thought on Spending - 7-3-2009“If you really want to know what people value most look at how they spend ...”04Anti-Power Thought for the Day“Am I just crabby or did reading that by our mid-forties over 9000 brain cells ...”Top 10 Things Tax Preparers Will Not Tell You“SmartMoney had an article by Janet Paskin of the top 10 things your tax preparer ...”Power Thought on our Nations Finances - 7-4-2009“Not to jump to conclusions, but those cracking sounds you hear outside the window ...”05Twitter Weekly Updates for 2010-01-03“ @DCCordova One of my favorite quotes is from "What's Love Got To Do With It?" ...”06Art of the Headline“Food for thought: what are your headlines saying about your blog? When people are reading your ...”0708091014Top 10 Ways to Create an Integ...“Top 10 Ways to Create an Integrity Day: http://EzineArticles.com/?id=2557794”Top 10 Ways to Get Over Yourse...“Top 10 Ways to Get Over Yourself: http://EzineArticles.com/?id=2557804”Top 10 Ways to Create Your Own...“Top 10 Ways to Create Your Own Skip Day: http://EzineArticles.com/?id=2594006”Top 10 Ways to Fail Miserably ...“Top 10 Ways to Fail Miserably at Network Marketing: http://EzineArticles.com/?id=2594012”Top 10 Ways to Sell Your Photo...“Top 10 Ways to Sell Your Photos: http://EzineArticles.com/?id=2594020”Top 10 Signs You Need an Assis...“Top 10 Signs You Need an Assistant: http://EzineArticles.com/?id=2593962”Top 10 Things Between You and ...“Top 10 Things Between You and a Great Life: http://EzineArticles.com/?id=2593968”Top 10 Ways to Make Powerful R...“Top 10 Ways to Make Powerful Requests: http://EzineArticles.com/?id=2593974”Top 10 Reasons to Do What it T...“Top 10 Reasons to Do What it Takes to Become Wealthy: http://EzineArticles.com/?id=2593985”15MMO“An MMO is a Massively Multiplayer Online game, which is why it's also known as ...”19@BettieJSpruill What an incred...“@BettieJSpruill What an incredibly powerful question...Thanks for asking.”RT @BettieJSpruill If your bus...“RT @BettieJSpruill If your business reveals to you your consciousness, what is getting revealed? Is ...”Power Thought on Creation - 7-19-2009“When you couple instinct with self-design, you awaken a power that is not only capable ...”20Power Thought on Beliefs - 7-20-2009“...if you experience a hindrance to your ability to live your life to the fullest, ...”21Power Thought on Cooperation - 7-21-2009“We are each born with a spark of divinity. When that spark glows brightly, we ...”22Power Thought on Possibility - 7-22-2009“When one observes human consciousness from an enlightened viewpoint, the possibilities appear. Harry Palmer Quotes”23Power Thought on Power - 7-23-2009“...people's happiness, health and success are not determined by the thoughts, ideas and imaginings they ...”30FINALLY! Make your Twitter ba...“FINALLY! Make your Twitter background clickable. http://clickablenow.com Please retweet. #clickablenow”RT @mashable ClickableNow: Add...“RT @mashable ClickableNow: Add Links to Your Twitter Background http://bit.ly/2kjXb”31William Shatner Recites Sarah ...“William Shatner Recites Sarah Palin's Tweets as Poetry.. http://digg.com/d3z3bF”Power Thought on Hope - 7-31-2009“Politics hates a vacuum. If it isn't filled with hope, someone will fill it with ...”
- Aug01Power Thought on Image - 8-1-2009“I hope you have lost your good looks, for while they last any fool can ...”06Epic Neighbor Lawn Chair War C...“Epic Neighbor Lawn Chair War Continues .. http://digg.com/d3zX9p”She Isn’t Going To Like This...“She Isn’t Going To Like This….. http://digg.com/d3z26k”070809Power Thought on Time - 8-9-2009“Time is life. It is irreversible and irreplaceable. To waste your time is to waste ...”10Top 10 Ways That Playing the V...“Top 10 Ways That Playing the Victim Robs You of Your Life: http://EzineArticles.com/?id=2729891”Top 10 Ways to Be a Possibilit...“Top 10 Ways to Be a Possibility For People: http://EzineArticles.com/?id=2729904”Power Thought on Failure - 8-10-2009“If we don't see a failure as a challenge to modify our approach, but rather ...”Social Media vs. Social Networking“You can parse out the word Social from Media and Networking in each term. Social ...”11Power Thought on Education - 8-11-2009“Education is an ornament in prosperity and a refuge in adversity. Aristotle Quotes”Social Networks Definition“A social network is a social structure made of individuals (or organizations) called "nodes," which ...”12Social Media Definition“Social media is online content created by people using highly accessible and scalable publishing technologies. ...”Power Thought on Managing Time“Until we can manage TIME, we can manage nothing else. Peter F. Drucker Quotes ”20101 Ways to Say Yes! To Life: ...“101 Ways to Say Yes! To Life: http://EzineArticles.com/?id=2729880”23RT @tracyphaup Be Your Own Rai...“RT @tracyphaup Be Your Own Rainbow: Remote Healing http://bit.ly/ttLLl”
- Sep06Foreclosure“Foreclosure is the act of foreclosing on a mortgage. Foreclosing is the process of claiming ...”07SMO“SMO is Social Media Optimization. SMO is the process of optimizing on Social Networking ...”08Equity“The term equity can be used several different ways. Equity in property can be the ...”09Income“Income is the financial gain (earned or unearned) that accrues (adds up) over time. Income accounts ...”10Expenses“An expense is the purchase of an item or service. Wikipedia defines an expense as as ...”11Journal Entry“A Journal Entry is the recording of a transaction, and is usually assigned a number ...”12Job Costing“According to Wikipedia, job order costing is fundamental to managerial accounting. It differs from Process ...”13Vendor“A Vendor is a supply chain management term for a supplier.”14Bookkeeping“Bookkeeping records and classifies financial transactions and activities. Accounts normally plan and set up the ...”15Accruel“I love language and words and nuances of meaning, and I can't help but notice ...”16YTD - Year to Date“YTD is the acronym for Year to Date. YTD is the summary of information ...”17Payroll“Payroll is the financial record of an employee including any salaries, wages, bonuses, net pay, ...”18Liability“A simple way to look at a liability is as something owed, usually money. What ...”19Tax“Taxes are monies collected by the government based on income, sales price, accumulated wealth or ...”20Chart-of-Accounts“The Chart-of-Accounts (COA) is a chart that lists the names of the accounts that a ...”21General Ledger“The general ledger, sometimes known as the nominal ledger, is the main accounting record of ...”22Daybook“The Daybook is a book that records daily transactions, usually sales or purchases. The transactions ...”25Types of Business Organization“Bean Counter Dave Marshall has this to say about the different types of business organizations: Types ...”27Power Thought on our Limited Time“Death can show us the way, for when we know and understand completely that our ...”28Power Thought on Misused Time“Most misfortunes are the results of misused time. Napoleon Hill Quotes ”29Power Thought on Living“It is not the end of the physical body that should worry us. Rather, our ...”
- Oct19Power Thought on Service“As far as service goes, it can take the form of a million things. To ...”20Power Thought on Purpose“Learn to get in touch with the silence within yourself and know that everything ...”21Power Thought on Uniqueness“We are not powerless specks of dust drifting around in the wind, blown by ...”22Power Thought on Growth“You will not grow if you sit in a beautiful flower garden, But you will grow ...”23Power Thought on Life Goals“I didn't fully realize it at the time, but the goal of my life was ...”24Power Thought on Learning the Rules“Life is the only game in which the object of the game is to learn ...”25Power Thought on Moving“Unless you move, the place where you are is the place where you will always ...”27Power Thought on Responsibility“I believe that we are solely responsible for our choices, and we have to accept ...”28Power Thought on Renewal“Teach this triple truth to all: A generous heart, kind speech, and a life of ...”29Power Thought on Seduction“It means that a seduction that takes place slowly, with only the most exquisite images ...”30Power Thought on Heartbreak“It's the way of the world; the nature of the thing. To sit out ...”31Power Thought on Mediocrity“What is distasteful is the way we hide behind our own sterile mediocrity and take ...”Power Thought on Love“Love has no claims. Love has no expectations. Most of us were raised to become ...”
- Nov01Power Thought on Male Insecurity“I can handle a world where I have to walk on eggshells around women who ...”02Power Thought on Being Thrown Into Life“There are all sorts of things that love can't conquer. Natural disasters, for example, ...”03Power Thought on Husbands“What husbands don't know about their own wives is a lot! Often they insist ...”04Power Thought on Love“You see, the truth is no one ever really falls in love with anyone but ...”05Power Thought on Graduating Life“I've told my children that when I die, to release balloons in the sky to ...”06Power Thought on Perseverance“For all things difficult to acquire, the intelligent man works with perseverance. Lao Tzu Quotes”07Power Thought on Shame“As a good Irish Catholic, Flick had been raised with shame, like a cucumber pickled ...”
- Dec25Power Thought on Vision“#powerthoughts Re-vision -- the act of looking back, of seeing with fresh eyes, of entering an ...”26Power Thought on Pessimism“#powerthoughts No pessimist ever discovered the secret of stars, or sailed to uncharted land, or opened ...”27Power Thought on Humanity“#powerthoughts The moment we stop fighting for each other is the moment we lose our humanity. '2012' ...”28Power Thought on Control“#powerthoughts Sometimes it is good...to be alone and...resourceful, (filled with) confidence. Remember how it feels to ...”29Power Thought on Life Spans“#powerthoughts The way you think, the way you behave, the way you eat, can influence your ...”30Power Thought on Privilege“#powerthoughts It was the detritus of normal life, none of which seemed significant in the slightest ...”31Power Thought on Risk“#powerthoughts But when something like... murder happens, it's human nature to assume a bunker mentality. Let's ...”
- 2008“So far so good!”
- Jan01Money-Savvy Kids by J. Raymond Albrektson“Money-Savvy Kids: Parenting Penny-Wise Kids in a Money-Hungry World (Paperback) by J. Raymond Albrektson "Your children ...”04Caveat Emptor“Caveat Emptor is Latin for let the buyer beware.”09Commitment“A Commitment is a pledge or promise. A mortgage commitment is a written promise ...”13Simple-ology Blogging Course“I'm evaluating a multi-media course on blogging from the folks at Simpleology. For a while, ...”14The Bootstrappers Bible by Seth Godin“The Bootstrappers Bible by Seth Godin "Starting out in 1986 with practically nothing, book packager and ...”17BlogOn Expo - A Digital Conference“Teen blogger Fabian was blogging about the BlogOn Expo - which ends tomorrow ;o( - ...”New Contest“'m not typically one of those people that participates in contests; it's just not something ...”25Innovation and Entrepreneurship by Peter F. Drucker“This book presents innovation and entrepreneurship as a structured discipline, and is broken down into ...”27Watch Seth Godin's presentation at Google.“Watch Seth Godin's presentation at Google. Seth Godin is the author of six bestsellers, including Permission ...”283 New Bonuses Added To Our Membership Area“We've added some exciting bonuses to our membership area. Joining is easy and fast ...”31
- Feb01Free Webcast With Seth Godin“Seth Godin, Entrepreneur, Agent of Change and Author of Meatball Sundae, is back to ...”0308Its time To Connect With Traffic Era“I just joined Trafficera today and it looks like it's going to be a pretty ...”13Contract for Deed“Also known as an Installment Sales Contract, a Land Contract, a Contract for Deed and ...”21Free Meatball Sundae Webinar Wednesday With Seth Godin“Seth Godin, Best Selling author, will be the keynote speaker on Wednesday at 2:00 pm ...”2223A Leader Always Fails Upwards by Tony Alessandra“Abraham Lincoln really was born in a log cabin. The fact that he went on to ...”29Ads Flip Ad“Just a quick announcement that my new toy for the coming week is going to ...”
- Mar04Land Contract“Also known as an Installment Sales Contract, a Land Contract, a Contract for Deed and ...”12Federal Housing Administration“The Federal Housing Administration (FHA) is a United States government agency created as part of ...”23A Christmas Story by Author Unknown“The old man sat in his gas station on a cold Christmas Eve. He hadn't ...”26Email Internet Business Coaching Program“Money Mastermind Internet Business Email Coaching Program Sign Up For A Personal Mentorship with Tracy - ...”
- Apr0105Find Unclaimed Money - Really!“Luckily for me, in some ways (I guess) being skeptical has saved me a lot ...”09Chapter 4-215“In Florida incorporated the Life Underwriter’s Code of Ethics for trade practices into the Insurance ...”14Risk“The degree of probability of sustaining a loss.”16Continuing Education CE Requirements“Must complete 28 hours every two years in department approved courses. If necessary, the ...”20I Am Just Loving Twitter“I know I'm a bit of a late adopter at times and I spent my ...”23Fines“A first offense is a maximum fine of $250.00. Subsequent offenses are subject to ...”
- May02Notification“An agent must notify the department within 60 days of any change in name, residence ...”11Mutual Fund“A regulated investment company with a pool of assets that regularly sells and redeems its ...”13Reciprocity“When an agent’s home state recognizes the continuing education of Florida.”22Record Keeping“Records regarding insurance transactions from senior consumers must be kept for five years. ”28Austan Goolsbee - Economic Advisor for Obama“Austan Goolsbee - Economic advisor for Obama It's a private laugh between the economist and the ...”
- Jun0212 Steps to Having Absolutely No Problems In Your Life“From 'A Perfect Life' 1. Change your sources of energy. Friction from problems/conflicts is energizing but expensive. 2. ...”07Asset Allocation Fund“By David L. Scott An investment company that varies the proportion of its portfolio devoted to ...”11Buyers Guide“Provides basic information about purchasing insurance.”16206 Affordable Strategies to Build a Cash Cow by Sharron Senter“Small businesses must be extra imaginative with their marketing efforts in order to attract ...”25Director of the Office of Insurance Regulation“Regulates policy forms and provisions only for life insurance. The Director has absolute authority.”29Global Mutual Fund“Invests internationally and domestically.”
- Jul01Load“The charges associated with an investment. The load can be a Front End Load ...”05International Mutual Fund“A Mutual Fund investing outside of the United States.”10Laying Out The Road To Sales Productivity“Laying Out The Road To Sales Productivity by Author Unknown What is a business without sales ...”14Point“A point, sometimes also called a "discount point", is one of the important factors in ...”23Discount Point“A point, sometimes also called a "discount point", is one of the important factors in ...”26Investment“By Wikipedia.org Investment or investing is a term with several closely-related meanings in business management, finance ...”29Illegal“It is illegal to boycott, coerce or intimidate in order to restrict fair trade.”
- Aug02Back End Load“A sales charge paid when selling an investment.”04Front End Load“A sales charge paid when purchasing an investment.”07Top 20 Money Rules From The Smartest Investors Who Ever Lived“Best Financial Advice of All Time: The Top 20 Money Rules from some of ...”13Term Life Insurance“By Wikipedia Term life insurance is the original form of life insurance and is considered to ...”19Discrimination“Allowing members of the same class to be charged differently for their policies.”22Prospectus - Mutual Fund“The legally required description of the Mutual Fund's offering. The prospectus includes vital information ...”28Installment Sales Contract“ Also known as an Installment Sales Contract, a Land Contract, a Contract for Deed and ...”Land Contract“Also known as an Installment Sales Contract, a Land Contract, a Contract for Deed and ...”
- Sep03Closed-Ended Mutual Fund“A mutual fund issuing a fixed number of shares.”08Agreement for Deed“Also known as an Installment Sales Contract, a Land Contract, a Contract for Deed and ...”09FHA“The Federal Housing Administration (FHA) is a United States government agency created as part of ...”14Open Ended Mutual Funds“Has no limit to the number of shares that can be issued.”16Public Offering Price (POP), Mutual Funds“The price at which shares are offered to the general public.”19Conventional Loan“A Conventional Loan is any kind of lender agreement that is not backed by the ...”24Stock Funds“Simply put, stock funds (also sometimes called "equity funds") are mutual funds that invest only ...”26Annual Report Mutual Fund“An annual (sometimes bi-annual) reporting of the Mutual Fund's actual performance. ”Top 10 Ways To Profoundly Affect Others by Thomas Leonard“We all affect others anyway. Why not affect them profoundly? Here are 10 proven ways ...”
- Oct02Growth Funds“Growth funds are stock funds that invest in stocks with the potential for long-term capital ...”06Department of Housing and Urban Development“ HUD is the common name for the Department of Housing and Urban Development. It is ...”10HUD“ HUD is the common name for the Department of Housing and Urban Development. It is ...”14VA“ The VA is the common name for what is known as the Veterans Administration and ...”18What Must Be Mastered To Accumulate Riches by Napoleon Hill“These are the weaknesses, which must be mastered by all who accumulate riches. 1. Failure to ...”23Value Funds“Value funds invest in companies that are thought to be good bargains -- that is ...”28Veterans Administration“ The VA is the common name for what is known as the Veterans Administration and ...”
- Nov03United States Department of Veterans Affairs“The VA is the common name for what is known as the Veterans Administration and ...”07Ginnie Mae“ Ginnie Mae is the common name for the Government National Mortgage Association - GNMA. ...”11Blend Funds“By Investorguide.com If you want to achieve both growth and value objectives, the mutual fund industry ...”16Ginnie Mae“ Ginnie Mae is the common name for the Government National Mortgage Association - GNMA. ...”19The 100th Monkey by Ken Keyes, Jr.“A story about social change The Japanese monkey, Macaca fuscata, has been observed in the wild ...”24Aggressive Growth Funds“Aggressive growth funds are similar to regular growth funds, only they are more extreme. Like ...”27Sector Funds“By InvestorGuide.com Sector funds are stock funds that invest in a single sector of the market, ...”29Government National Mortgage Association“Ginnie Mae is the common name for the Government National Mortgage Association - GNMA. ...”
- Dec02Growth and Income Funds“Invests in both growth and Blue Chip stocks.”0506Spell Check Is Not Perfect“Eye halve a spelling chequer It came with my pea sea, It plainly marques four my revue Miss ...”Manual Article submission Vs Automated Article Submission“by Lazar Stalin So you have made a great article and certainly it needs to be ...”1011The Use of Forums for Viral Marketers“By Reginald Curtis Recently, forum marketing has been touted as a kind of free, organic, viral ...”API - Application Programming Interface“API is the acronym for Application Programming Interface.”Above The Fold“Above the Fold use to be a term used in Newspaper publishing. Anything Above the ...”19Municipal Bonds“Typically offer a 5 - 6% return. Non-taxed for a true rate of return. A ...”22GNMA“ Ginnie Mae is the common name for the Government National Mortgage Association - GNMA. ...”Balance Fund“60% in stocks and 40% in bonds (sometimes a 50/50 split). Stocks are typically ...”23A/B Testing“A/B Testing is essentially testing two different forms of an internet marketing effort. It could ...”LSI - Latent Semantic Indexing“LSI - short for Latent Semantic Indexing - isn't a particularly easy thing to describe ...”SEM - Search Engine Marketing“SEM (Search Engine Marketing) is a term that refers to the activities related to making ...”2425craigslist 4 Everyone by Jenna Lloyd“ Amazon desribes this book as... "Jobs. Housing. Customers. Stuff. Events. Advice. Even romance! It’s all waiting ...”26Top 20 Social Networking Sites“I did some research on the top 20 social networking sites and of course the ...”
3 comments2730 - 2007
- Jan03Underwriting“The application provides the majority of information used for underwriting.”11Fair Credit Reporting Act“The purpose of this act is to protect the consumer from the circulation of inaccurate ...”16The Personal Foundation Program“ What IS a Personal Foundation? A Personal Foundation is the underpinning of your life. It ...”20What Would You Do With $10,000?“Well now's your chance to find out! Enter Money magazine's Nest Egg Sweep stakes for a ...”27Fair Credit Reporting Act“The purpose of this act is to protect the consumer from the circulation of inaccurate ...”31Payment of Premium Clause“Allows for the prepayment of premiums.”
- Feb02Medical Insurance Bureau – MIB“Only receives information from insurance companies based on negative underwriting decisions.”04How to Be Like Oprah Winfrey by Pat & Ruth Williams with Michael Mink“ Don’t let others define you or tell you what you can’t do. Oprah Winfrey said: “Nobody ...”05Credit Life Program“The creditor is the beneficiary to the amount of the outstanding loan balance.”14Noncontributory Group Plan“The employer receives a master policy and the employees receive a certificate of insurance.”17Minimum Number for Group Insurance“In Florida the minimum number of people required to qualify for group insurance is one.”22Group Insurance Conversion“An employee has 31 days after leaving the company to request conversion of their group ...”27Installment Refund Annuity Option“The beneficiary continues to receive the annuity until the entire premium amount has been paid ...”
- Mar01Annuity Period“The time frame that the annuity payments are paid out.”07Life Annuity with Installment Refund“Guaranteed payments will continue to the beneficiary.”09Help Us Out With Our Alexa Experiment“We're conducting an experiment with Alexa's ranking system and we need your help! If you would, ...”15Straight Life Annuity Settlement Option“To receive the full benefit of the policy the insured must live out to at ...”20Natural Person“A real person with a life expectancy.”2528Social Security Disability Benefits“Available only if the worker has fully insured status.”
- Apr04Disability Benefits“If the worker is between the ages of 24 – 31 they can qualify for ...”06Valerianas Recreant Is Born“I've been hearing a lot about http://www.secondlife.com and I went today and created a character ...”12Social Security Disability Benefits“Available only if the worker has fully insured status.”17Some of our Partner Websites“http://www.Love-Poems-Love-Quotes.com http://www.Phaup-turner-family.com ”21Accumulation“Is a unique property of life insurance over other types of insurances.”29Estate Conservation“Using life insurance to pay for estate expenses such as inheritance taxes to preserve the ...”
- May04Deficiency of Judgment“A Deficiency of Judgment can result after a foreclosure and is any amount remaining due ...”09Financial Statements“By law insurance companies are required to submit financial statements on an annual basis.”14Ron Mueck's Amazing Sculptures“For something that's a bit off the beaten trail for me in terms of sharing ...”18Notice of Replacement“Does not require a description of future investment returns.”24Open Source on Second Life“I've always been a big fan of open source and for making information freely available ...”
- Jun04COBRA“COBRA extends employee coverage of insurance for 18 to 36 months after leaving, irregardless of ...”10Good Faith Estimate“The Good Faith Estimate (GFE) is required from the lender and is an estimate of ...”12Recommended Reading On Money“Visit our hottest picks on recommended reading for managing your money on the road to ...”20Adjustable Rate Mortgages - ARMs“A mortgage that the insurance rates fluctuate on. It usually offers deep discounts and ...”21The Frogs by Author Unknown“A group of frogs were traveling through the woods, and two of them fell into ...”
- Jul02Amortization“Making periodic and regular installment payments in order to retire or liquidate a debt. ...”06Office of Insurance Regulation“Monitors admitted insurers.”12Equity“The difference between the current loan balance and the current purchase price of the home ...”17Learning Styles and Their Importance in the Classroom by Author Unknown“One's learning style describes how one gathers and processes information. Learners can be broken ...”27Foreclosure“A legal proceeding forcing the homeowner to relinquish their property and the house is sold ...”
- Aug02Non-Admitted“Not regulated by the state.”07Participating Insurance Policy“Policy owners can receive dividends.”10Ad Valorem“Latin for according to value. Used in taxation.”14101 Secrets for Developing A Successful Workshop by Thomas J. Leonard“101 Secrets for Developing A Successful Workshop by Thomas J. Leonard version 1.0, March 27, 1997 copyright ...”22Adverse Action“The process that takes place when a borrower's application has been denied and the lender ...”31Alienation Clause“This is also known as a 'due on sale clause'. This clause calls a ...”
- Sep01Open Enrollment Period“Employees who passed over the first opportunity to sign up for life insurance at their ...”05A Lesson From The First Network Marketer by Frank Sousa“He wasn't much to look at. He was born into a poor family, and spent ...”10Assignment“To assign is to sell, give or transfer ownership.”13Buyers Guide“Provides basic information about purchasing insurance.”21GFE“The Good Faith Estimate (GFE) is required from the lender and is an estimate of ...”25APR - Annual Percentage Rate“The rate that includes all charges, including fees, interest rate, any points, and any other ...”
- Oct02Top 10 Principles That Win People To Your Way of Thinking by Dale Carnegie“1. The only way to get the best of an argument is to avoid it. 2. ...”08Chapter 4-215“In Florida incorporated the Life Underwriter’s Code of Ethics for trade practices into the Insurance ...”12Appraisal“An appraisal estimates the value of real property.”19Arrears“Usually used to describe being late on payments. Some things are designed to be ...”24Assessed Value“The actual dollar value of the assessment.”27Assignment“To assign is to sell, give or transfer ownership.”What Would You Do With $10,000?“Well now's your chance to find out! Enter Money magazine's Nest Egg Sweep Stakes for a ...”29Be A Leader by Dale Carnegie“Be a Leader: How to Change People Without Giving Offense or Arousing Resentment by Dale Carnegie A ...”
- Nov01Continuing Education CE Requirements“Must complete 28 hours every two years in department approved courses. If necessary, the ...”05How to Stop Worrying and Start Living by Dale Carnegie“Summary by Dale Carnegie Table of Contents Fundamental facts you should know about worry Basic techniques in analyzing ...”09Assume“Assumption, assume, assuming. When a homebuyer assumes responsibility for the home owner’s existing mortgage. Not ...”14Assumption of Mortgage“Must be approved by the lender. The buyer agrees to assume all responsibility for the ...”22Assignment of Mortgage“A written document that shows that a mortgage has been transferred (usually sold) from one ...”24Basis Points“Used to help break up a single percent (1%). A basis point is one-hundredths of ...”29
- Dec02Blanket Mortgages“Were popular during the 1970’s when interest rates were so incredibly high.”04Amortization - Negative“Making payments on a loan that are so small that the balance increases instead of ...”13Negative Amortization“Making payments on a loan that are so small that the balance increases instead of ...”1820Successful Negotiating - The Business Value Message by Razvan Marian, Jr.“In all the work you have done through the first 5 modules of "Creating your ...”28Balloon Mortgage“A mortgage that does not fully amortize (liquidate) the loan and leaves a balance due ...”
- 2006
- Jan04Cash Surrender“The company pays the surrender value of the insurance policy and is relieved of all ...”20One Year Term Option“The dividend is used to purchase an additional life insurance policy.”
- Feb07Reinstatement Provision“Specifies with the insured must do in order to reinstate the life insurance policy after ...”17Optional Payor Benefit Rider“In the event the owner of a Life Insurance policy on a minor becomes disabled ...”22Exclusions“Restrictions of coverage as stated in the Life Insurance policy.”
- Mar15Policy Owner Rights“Mandatory provisions give the Policy Owner of a Life Insurance policy control over premiums, face ...”24Accelerated Benefit Provision“If the insured becomes terminally ill or is confined to a long-term care facility it ...”
- Apr04Free Look“A policy owner is allowed to look over the insurance policy for 10 days and ...”15Borrowing From The Cash Value“Policy Owners can borrow up to the full amount of their whole life's Life Insurance ...”27Exposure“A unit of measure used to determine rates for life insurance coverage.”
- May05Contingent Beneficiary“The beneficiary that will receive the death benefits in the event that the primary beneficiary ...”17Spendthrift Provision“The provision that does not allow the beneficiary to modify how the death benefits are ...”22Class Designation“Designating an individual or a group as beneficiary without individually and specifically naming them.”
- Jun10Trustee“Is paid a fee to administer a trust but is not allowed to access the ...”19Common Disaster Clause“Provides that when both the insured and the beneficiary die in the same accident, or ...”27Guardians and Trustees“May or may not be the same person. The primary difference between the two ...”
- Jul05Beneficiary – Minor“Would have to receive death benefits from a life insurance policy through a guardian or ...”16Beneficiary – Viable“In the absence of a viable beneficiary the proceeds of the death benefit will be ...”19Grantor“The owner of the trust. The person who receives legal title of the property ...”28Uniform Simultaneous Death With A Common Disaster Provision“Provides for distribution of death benefits in the event that the beneficiary only barely outlives ...”
- Aug02Trustee“The person who receives legal title of the property to be used for the benefit ...”17Single Life Option“Provides income for life for a single beneficiary.”28Tertiary Beneficiary“The third choice of a beneficiary for a life insurance policy.”
- Sep06Premium – Decrease in Premium“Insurers can invest premiums and use the return on their investment to lower premiums.”24Viatical Settlement“Allows for someone with a life threatening condition to sell their insurance policy in order ...”
- Oct03Section 1035 Policy Change“The section of the IRS tax code that allows an owner of a life insurance ...”13Life Income Joint and Survivor“Guarantees income for two or more recipients for the duration of their lives.”24Lump Sum“The default payment option for a death benefit in the event that one is not ...”
- Nov01Mortality Tables“Used to help predict life expectancy and death rates.”16Fixed Period“Selecting the specific amount of time that the death benefit settlement would be paid out ...”24Statement of Good Health“Used to assure the insured that no significant health changes occurred between signing the policy ...”
- Dec03Inspection Report“The inspection report includes a credit history, habits and prior insurance.”13Receipt – Unconditional Binding Receipt“Coverage begins immediately for a specified period of time irregardless of insurability.”24Conditional Receipt“The insured issues a conditional receipt of immediate coverage provided the insured proves to be ...”
- 2005
- Jan04Policy Owner“The owner of the insurance policy. Also called the Policy Holder.”08Policy Holder“The owner of the policy. Also called the Policy Owner.”10Insurer“The Insurance Company covering the Insured.”21Peril“The exposure to injury, loss or destruction. The immediate specific event causing loss and giving ...”26Policy“A legally binding contract that sets forth the company's promises and obligations.”
- Feb02Hazard“Something that causes peril.”03Spreading of Risk“Spreading of Risk; also known as the Loss Sharing and the Pooling of Risks. ...”04Pooling of Risks“Pooling of Risks; also known as the Spreading of Risk and the Loss Sharing. ...”12Exposure“The level of exposure that the company undergoes based on the number of individual risks.”14Law of Large Numbers“This is a fundamental principle underlying the insurance industry. The larger the number of ...”23Loss Sharing“Loss Sharing; also known as the Spreading of Risk and the Pooling of Risks. ...”
- Mar02Loss“Something that is lost. There is a lessening, or even a complete disappearance, of ...”10Loss - Financial Loss“The loss of money, whether through a death and losing future income or through disability ...”15Hazard - Physical Hazards“Physical conditions that can increase the chance of Peril. For example, blindness.”18Hazards - Moral Hazards“The tendencies of people that increase risk and the chance of loss. For example, ...”24Risk - Pure Risks“Pure Risks are risks that only involve the chance of loss. There is nevery ...”30Risk - Speculative Risks“Risks that involve both the chance of loss and of gain. For example, gambling.”
- Apr02Hazards - Morale Hazards“Individual tendencies that arise from an attitude or a state of mind causing indifference to ...”04Adhesion“A contract prepared only by the insurer.”14Concealment“Withholding important information.”20Warranty“Guarantee to be true.”
- May05Making An Offer“When the application is submitted.”11Consideration“The binding force in any contract.”20Aleatory“Unequal consideration between the insured and the insurer.”23Estoppel“A bar or impediment preventing a party from asserting a fact or a claim inconsistent ...”
- Jun02Limited Pay Life Insurance Policies“All premiums are paid before the end of the term being covered.”08Option A“The death benefit remains level while the cash value gradually increases.”1720 Pay Life Policy“Paying the premiums for whole life for 20 years.”21Reentry Provision“Allows for a lower premium by proving insurability.”26Family Policy“Allows for conversion to permanent insurance within a specified time frame if the breadwinner dies ...”
- Jul01Attained Age“The age you have reached.”06Joint Life Policy“The premium is paid on the average age of the two insureds’ and the survivor ...”15Whole Life Policies - Three Types“Straight life, Limited Payment and Single Premium.”19Adjustable Life Policy“Can be Term or Whole Life.”30Cash Value Account“Any portions of the premiums not needed for expenses and mortality go towards the cash ...”
- Aug05Term Insurance Premium“All things being equal, the shorter the term the lower the premium. ”08Universal Life Policy“The Insurer credits the policy with a current (non-guaranteed) interest rate and backs the cash ...”14Whole Life“Required by law to show cash values in the first 20 years.”17Paid-Up Option“Using the dividends from a Whole Life Policy to pay off the premiums faster.”26Reduction of Premium“Using the dividends to pay down the premiums due for the next year.”
- Sep04Assignments“There are two types: absolute and collateral.”07Disability Income Rider“Waives the policy premium and provides a weekly or month income.”14Disability Income Rider“Waives the policy premium and provides a weekly or month income.”23Reduced Paid-Up“The face value of the premium is reduced to the existing cash value and the ...”26Paid Up Additions“Using the dividends to purchase additional coverage.”
- Oct08Results Clause“Excludes benefits in the event of death as a result of an act of war.”14Guarantee of Insurability Option“Guarantees renewal without proof of insurability.”22Status Clause“Excludes all types of death while on active duty.”24Insuring Clause“The clause on the cover sheet where the insurer agrees to pay in the event ...”Extended Term Non-Forfeiture Option“Has the same face amount of the original policy, but for a shorter period of ...”
- Nov04Autopsy Provision“In the absence of a state law prohibiting the insurer they can require an autopsy ...”16Ownership Rights“The rights of an owner as spelled out in the policy.”24Policy Owner“The owner of the insurance policy. Also called the Policy Holder.”
- Dec03Reduction of Premium Option“Using the dividends to reduce the premiums.”13Modifying A Policy“Any changes made to a policy must be endorsed by the insurer.”24Absolute Assignment“Changes the owner of a life insurance policy.”28Risk“The degree of probability of sustaining a loss. The degree of uncertainty regarding a ...”
- 2004
- Jul07World's Best Christmas Party Games“One Foolproof way to achieve a GREAT CHRISTMAS PARTY is to get them playing party ...”
- Aug04Icebreakers for Trainers“You know how hard it is sometimes when you are training and your group do ...”
- Dec02Life Insurance“Guarantees a specified sum of money upon the death of the person who is insured. ...”08Annuities“Provide a stream of income by making a series of payments to the recipient (annuitant) ...”10Primary Factors Effecting Premiums“M - Mortality - The life expectancy. I - Interest - The earned or expected earnings ...”14Loading Charges“Another term for the Expenses a company incurs enforcing an insurance policy. For example, ...”26Insured“The person covered by the policy.”
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