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When it comes to life insurance, you have two basic choices: Some form of cash value life insurance (including universal life) and term life insurance.
Cash value, or whole life, as a “bundled” policy, requires you to buy both your death benefit and a cash value feature.
For the cash savings, the money is controlled by the insurance company and reverts to the life insurance company, not the estate of policy holder. It's in the contract. A little "s" is inserted between the CV in the contract = cash surrender value.
It's your money...and while you may borrow it--at up to 8% interest--why not claim it yourself. But never cancel any policy until you have a new one in place.
Let's get financially well:
Get your free copy of the essential book, How Money Works: A Common Sense Guide to Financial Success. You'll fall in love with this it and never have a major money question again. In clear language, it shows how to avoid insurance traps, tackle debt, grow your money, find out what a Roth IRA can do for your family, and much more. Go to bitly.com/yourmoneyny and sign up for your copy right now. bitly.com/yourmoneyny
See you next time.
We will meet weekly on Sundays at 5:00 pm (EST) for preaching & fellowship with Berean Bible Chapel Online Church members. We will have praise & worship time along with prayer time, also. Please join us in celebrating our risen Lord & Savior, Jesus Christ, the Messiah.
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In todays online environment sells is king. There are actually some out there who believe that the sales numbers don't matter, They do. Tonight we discuss the importance of sales and what that means to you as an artist. As we always say real fan buy and your ability to inspire your fans to buy is key. Really if you have a product and you have to overspend to convince your target market to spend $1.29, well you get my point. Call in tonight (347) 826-7743 at 11Pm
Ever have moments when you just feel like throwing that glass of wine against the wall. Call in tonight at 9pm to hear how to to keep going even when your frustrated. We will help you see how to continue by showing you how to create a step by step plan for coping with disruptions in your business. We can't wait to connect with you tonight! Call in at (949) 203-4763 or click the link at 9PM EST / 8PM CST on 7/27 and join the conversation. http://www.blogtalkradio.com/changingmindsonline/2014/07/28/staying-focused
MaryLovesJustice Prayer Meeting
Christians are invited to meet with Dr. Floyd Harris Jr. and Mary Neal and the NNIA1 team at an online Prayer Meeting on Sunday nights at 8pm Pacific time. When life gets too tough to stand, kneel. Meet us at NNIA1 on BlogTalkRadio . The lines will be open at (818)572.2947 for prayer requests, or listen at Blogtalkradio - NNIA1. Our first episode is below, dated November 18, 2013.
Many tragedies happen during these Last Days. Each week, we learn about people who were subjected to cruel and unusual treatment by their government in the form of police violence and denial of basic human and civil rights. On a majority of the radio shows I participate in, we approach the issues from a mostly secular perspective. We are sensitive to the fact that our audiences are comprised of many people who have differing viewpoints on religion. But as a Christian, I feel that the problems we face can only be resolved when we apply the Biblical solution. God said:
If My people who are called by My name will humble themselves, and pray and seek My face, and turn from their wicked ways, then I will hear from heaven, and will forgive their sin and heal their land. ~2 Cor. 7:14.
Greetings to all of the human family. A personal victory is gained when a 30 day fast is done for the purpose of reaching for the best of our selves to evolve. This evolution is a process of making the intent to THE ONE G-D only, to do without food and drink during the daylight hours from daybreak to sunset, as well as no conjugal or intimate relations with mates. We are also intending to pray timely prayers and read the daily 30 day sectioned parts of Al Qur'an. The book or revealed word of THE ONE G-D revealed to Prophet Muhammad(prayers and peace be upon him). Fitr - the personal breaking away from those habits that have become toxic to our very existence and rising to the highest of character found in the prophetic mode of the principled life examples of Prophet Adam; Jesus/John; Joseph; Idris; Aaron; Moses; Ibrahim evolving to Muhammad, prayers and peace be upon all of them. Think character, character, character Please and study your precious needed to know evolution through the Muslim Community and leadership of Imam Warith Deen Mohammed( may the highest form of mercy be upon him)
A BLESSED ROSH KODESH TO ALL! The DAY OF SHILOH exposes to put to UTTER SHAME ALL the RULERS as FOOLS and TREACHEROUS! Did you really expect BEASTS to teach you truthfully the EXPECTATION, the PATIENT FAITH of them who awaited YEOSHU as KURDI?
Mat 24:42 Be WATCHFUL therefore! For ye know not what HOUR your LORD shall come. 43 But know this. If the goodman of the house knew in what hour the THIEF would come, he would have WATCHED, that he not suffer his HOUSE to be broken up.
1Th 5:2 For ye should know perfectly well that the DAY OF THE LORD so comes as a THIEF in the NIGHT. 5:4 But ye, brethren, should not be unawares, that THAT DAY take YOU as a THIEF!
2Pe 3:10 The day of the LORD will come as a THIEF IN THE NIGHT. And the RULING POWERS shall be EXPOSED by a POWERFUL REBUKE, that MISRULE among the NATIONS shall MELT with fervent REBUKE, the earth and the WAYS therein shall be burned up. (Isaiah 19:1-5, 18-25)
Rev 3:3 REMEMBER therefore what you had once received and heard. Hold fast, and repent. If therefore you will not be WATCHFUL, I will come on you as a THIEF, in that you will not know by what manner nor hour I will come upon thee.
Rev 16:12 Then the sixth angel poured out his bowl upon the great river Euphrates; and its WATERS DRIED UP, that the WAY of the KING OF THE EAST be prepared. 15 BEHOLD! I COME AS A THIEF! Blessed is he that WATCHES and KEEPS his GARMENTS, lest he walk naked, and they see his shame. (Mal 2:16-3:4, Isa 44:20-46:13, 19:1-5, 19:18-25, 40:1-41:4)
“Important Message regarding American family break-up trends and schemes. Are you aware of names of candidates in your state who are running to become November 2014 elected officials? Are they concerned with the "legislative protective needs" of children, teenagers and infants who will be in their jurisdiction? Do they know of HR 5005? Would they post on their website their endorsement of this protective legislation for schoolage children and teenagers to publicize their support?
Learn about dates of primary elections in each state, who to vote for, how to know... (begin here: http://politics1.com/calendar.htm).
Litmus test suggestion for 'how to know": Call your officials and say,
do you support HR 5005? (if they say, "Which bill is that?" say, "Ending Corporal Punishment in Schools Act" introduced by Rep. McCarthy).
are you willing to post that you support this bill online where the public may see?
by when will you send me the link so I may inform others of your good intentions for having “legislative protective needs” met for our young beginning with HR 5005.
Please send responses for sharing.
More on Arizona's ill-treatment of its under 18 citizens (see pp 3-5, 6-10): http://commoncore.azproject.org/files/2014/04/AZ-Op-Information-Calendar-Spring_Summer-2014.pdf
AZ Op! SafeChildEnvironmentS@gmail.com, www.TheHittingStopsHere.com
in Self Help
Sin affects everyone We should still confess and repent of out sins to remove the barrier that the sin has created. Unforgiveness can block your blessings and even cause medical issues. This week we are celebrating International Repentance, Forgiveness, & Reconciliation Week, in order to help believers to learn these key Biblical principles. Each day, we will concentrate on a different segment of the population. Many people have not forgiven themseleves. We will start with ourselves. You can say, " I forgive myself for such-and-such in Jesus'/Yeshua's name". If you have trouble forgiving yourself, then ask the Holy Ghost to help you to forgive yourself. Many believers are not using the Holy Ghost as their comforter. We are commanded by God the Father to forgive others. He states that if we do not forgive others for their trespasses, then He will not forgive us. Let's remove the barrier that the sin has created so that we are able to enjoy the full benefits that Jesus has to give us. Let's repent, forgive, and reconciled this week.
We are asking people to join our "Pray on the Hour Campaign" by praying the Heal Our Nations Prayer, the Lord's Prayer, or your own prayer. By standing on one accord, we can change the outcome of any situation.
We are asking people to fast during this week. You can fast 1, 3, or even 7 days.
For additional information about this event, please visit www.ManifestTheTruth.com.
Did you miss my special on “How to Identify and Avoid dealing With a Man in the ‘Player Stage’, where we discussed celebrity players like LIL Scrappy, Peter Gunz and Stevie J, as well as the number one signs to know if you’re being strung along/ used for sex? To hear the advice that’ll guarantee you’ll never have to deal with a man who’s “afraid of commitment”, tune into "The BEST of The Dedan Tolbert Show" TONIGHT at 9:00pm EST by calling 646 200 0366 or listening online worldwide at www.dedantolbertshow.com. "REAL Radio that Matters".