Monthly Archives: July 2018

Learn More About Life Insurance Fraud

Learn More About Life Insurance Fraud

Life insurance fraud refers to illegal acts committed by those buying or selling life insurance policies. In-vestopedia defines five different types of buyer life insurance fraud, from accidental suicides to falsifying medical records. Find out more and learn about two of the more famous cases of life insurance fraud.

Types of life insurance buyer fraud

Post-dated life insurance: a policy that is purchased after the death of the insured person but appears to have been issued before their death.

False medical history:Withholding information about existing medical conditions, whether or not you smoke etc constitutes one of the most common types of fraud. Coming clean with your provider might mean that your premiums are more expensive but this cannot outweigh the risk of reduced or rejected claims. It is not uncommon for unscrupulous doctors to falsify medical records on behalf of buyers.

Murder for proceeds: In this instance the insured person (spouse, business partner etc) is murdered for their life insurance cover or a policy is taken out in somebodys name without their knowledge and they are subsequently murdered for the life cover payout.

Lack of insurable interest: Insurable interest stipulates that in order to buy a life insurance policy in somebodys name you have to be able to prove that that persons death would cause you financial distress.

Suicidal accidents: This occurs when a person commits suicide but tries to make it look like an accident in order to ensure that their family can claim their life insurance cover.

Faking death or disability:It is not unheard of for someone to fake either death or disability to claim insur-ance payouts for themselves or their families. People have also created fake identities which have been killed or died with the family claiming life insurance payouts.

Famous cases of life insurance fraud
John Darwin, a British teacher and prison officer died in a canoeing accident in 2002 but was discovered alive and well and arrested five years later. His wife, who had claimed his life insurance payout, said he had been secretly living in their house and the house next door. Both were sentenced to over six years in prison.

In 2008 Helen Golay and Olga Rutterschmidt were convicted of the murders of two homeless men, Paul Vados in 1999 and Kenneth McDavid in 2005. Both murders were staged as hit and run accidents. Multimillion dollar life insurance policies had been taken out on the men by Golay and Rutterschmidt.

How to Deal with Stock Market Volatility

How to Deal with Stock Market Volatility

Market volatility is a fact of life when it comes to stock market investing. Stock prices fluctuate daily. Markets ebb and flow over time in line with the economy and business cycle. But when it comes to current stock market volatility, Wall Street has been unpredictable with triple-digit swings in the Dow and media hype-driven trading.

In times of extreme market volatility, whats an investor to do? Sure, it makes sense to turn to a trusted financial advisor for advice to get a handle on whats going on with the current stock market situation. But everyone has an opinion, and there is rarely consensus. With insider information and dissected financial media reports, some may be thinking its the beginning of the end while others see it as a bump in the rocky road.

You probably shouldnt rely on the financial media who do a great disservice to us investors by encouraging panic and fear. So-called experts on primetime TV who foresee doom and gloom or rapid recovery dont own or use crystal balls. They really have no better idea of future market conditions than you do. The truth is, nobody really knows. And if they claim to, theyre probably just pretending. Past events cannot dictate the future of the market. A solid financial planner will tell you that stock prices dont follow a pattern. There are no codes to break no trends to analyze. Just watch the stock market activity for a couple days. Youll see that what happened yesterday wont necessarily affect tomorrows stock prices.

So, whats best? Pulling the cord and jumping? Sticking it out and hoping for the best? Some believe that investors who scrutinize the financial news and make investment decisions based on predictions often end up losing money. They believe that those who stay the course and ignore market volatility reap the returns of the capital markets. Others are tired of being told they should just buy and hold, so they panic and sell.

The traditional advice financial advisors give in a market such as this would be to hold tight and don’t give into panic. It is easy to be pulled away from a strong long-term strategy when markets are under pressure. The numbers would suggest that it is important to stick with your long term strategy and remain mindful of getting caught up in the emotional drive of the stock market. Opportune selling times rarely surface during periods of elevated emotions.

Get the maximum benefits of insurance policies in Singapore

Get the maximum benefits of insurance policies in Singapore

If a person has family members who are dependent on him then in such situation, a life insurance policy can be a very useful tool to ensure the protection of one’s family along with peace of mind, in case of any unfortunate incident risking the life.

With the realization of the importance of life insurance, the people of Singapore are becoming more and more aware to derive the benefits of a good life insurance policy. Almost all the policies linked to life insurance in Singapore, offer many benefits that can be derived from several of the three simple types.

Term Life Insurance Singapore

This type of insurance provides benefits in the form of death safety for a term of one or more than one year. There are policies that may be for term of 30 years as well. The policy does not offer any consideration for cash value. It generally provides the largest and quick death protection on the premium dollar and the death benefits are paid in the case of a person dying within the term of a long duration.

There are several term insurance policies that are usually renewable for one or higher additional terms in a situation when the health of a person has got modified. Whenever a person renews the insurance policy for a new phrase, the premium becomes larger and in this regard, one should definitely check the rates at older age groups and the duration for which the protection can be maintained.

Term life insurance Singapore “Endowment”

If a person within a certain age group, then this type of insurance pays both the sum as well as the income to the real policy holder and in case that person dies before the expiry period of his/her age, then the particular benefit is paid to the named beneficiary. In this policy, the premium and cash beliefs are usually higher as compared to the same quantity of whole life insurance of Singapore. In other words, it can be said that the coverage linked to endowment insurance offers the least quantity of death protection to the premium dollar.

Life insurance Singapore coverage

This type of insurance offers dying protection for as long as a person has a home. The most common type among them is called as straight life and ordinary life insurance. In this type of policy, the person has to pay the same monthly premium as long as the person lives.

Thus, it becomes crucial while searching for the so as to get the maximum benefits. While making the search, Singapore Best Life Insurance Quotation can also be encountered but the decision to get the maximum benefits, thorough analysis of different types of insurance must be done properly.

Insurance Guru a group of finance enthusiasts coming together to help you get the . To know more on insurance provider in Singapore, Life Insurance Company Singapore visit our Website.

The New Modification Craze With Interesting Car Wraps

The New Modification Craze With Interesting Car Wraps

Vinyl wraps, as we all know, are synonymous with advertising. Organizations produce usage of vehicle wraps for branding, branding which helps raise the profile of their corporation. While advertising with these wraps are full on the go, the completely new craze just for car modification has largely inclined towards car wraps for the entire car makeover. Folks are finding their car wrapped with vinyl films to present it a different finish as well as color. This craze has emerged lately due to the monotony which eventually slips in while driving the equivalent vehicle just for long. Not all of us can afford a completely new car every time a interesting model gets launched in the industry. This is a simple way of giving your old car, a brand-new appear, and also giving yourself a boost to drive it with interest.

The very best Car Wraps use the latest process in print production. The qualified gurus use a car as a blank canvas to fill it in with their artwork. They can customize your car in whichever way you want. It is like obtaining a brand completely new car, just at a a lot lower expenditure. You actually might be thinking which a personalized spray paint job might also bring in the identical effect at a lower expenses, so why invest in wraps? While your question is quite relevant, the answer is also proper in front of you actually. A wrap is nothing but a thin film which lays out on the top of your cars factory skin. It gives a second skin for the car, thus protecting the original color of it. You actually can take off a wrap whenever you want to. The inner color will be revealed in its intact state. You actually can also replace an old wrap with a brand new one according to your mood and craze.

Vinyl car wraps of top quality have warranty of about 5 to 7 years. So, you actually could keep it just for long, until something else comes in the craze. The original paint gets shielded from chipping or fading, which also slows down the course of action of depreciation. This can support you actually get a far better cost while reselling the car. A full wrap just for your car will expenditure you actually around some thousand bucks. Earlier, modifications adopted by car whizzes are a lot costlier than this, which included personalizing amount plates, transforming tires, adding spoilers, etc.

Is Whole Life Insurance Investment a Worthy Investment

Is Whole Life Insurance Investment a Worthy Investment

A whole life insurance investment is a relatively simple concept. You will be presented with a product that has a set premium and you will be paid the agreed upon amount of the death benefit at the end of the policy holders life. You will also have an investment component included in the policy. All money you contribute over and above the premium will be placed into a cash value account which is then invested on your behalf by the insurer.

Apart from providing you with cash value account and a guaranteed death benefit to leave to your heirs a whole life investment has some other features as well. You have the option to borrow against the cash value your policy or fully withdraw an amount if you have an emergency need for the funds available during the life of the policy.

The theory behind a whole life policy is that it will pay out set death benefit and a cash value to your beneficiaries all while you are guaranteed a set, unchanging premium for the life of the policy. It does more than this, though, when you consider the fact that all the money is tax free and/or tax deferred.

Because of this tax free feature you will have the ability to make a portfolio that can achieve a number of goals that you otherwise may not be able to. You can actually use the whole life policy to secure a smooth succession in the case of a family owned business or to protect your other assets.

You may be met with derision about your interest in a whole life insurance investment by detractors who say that it isnt a real investment because it isnt run like ones stocks, bonds, and mutual funds. While it may not grow that fast, it has the potential to a much safer long term investment since it is done in a safer manner that is designed to ensure your money keeps growing despite market ups and downs.

A whole life insurance investment policy is generally seen as a “savings asset” as opposed to an “investment asset” because your money is saved and grown in a much less aggressive fashion than regular stocks and bonds. With a whole life insurance policy your additional money will be placed into a savings account where it will accrue interest. You dont have to invest the money within this savings account, but you can do so if you wish to. The savings account on its own, though, will become a huge asset over time.

Multilevel Marketing pointers that will maximize your money for Scentsy Consultants

Multilevel Marketing pointers that will maximize your money for Scentsy Consultants

Work at home Scentsy Consultants hints and Pointers/p>

There can be a obstacles working from home, especially being a work at home mom. On the flip side it gives the option for you to work and make extra cash for your self while still providing the convenience of working from home. A well efficient mom can easily run her family as well as be a leader in her business. Living in Barcelona is no different than anywhere else. Work at home moms in Kentucky run their business and can still juggle all the needs of their children.

Making a schedule of when you are going to run your business and when you are going to be with your family is critical in being profitable at any business. As a work at home mom you wear many hats. Your life can be hectic and trying to juggle everything from school activities to being a wife you have a lot to do. Here is a way that will aid you in managing everything you have to complete.

Your life is like a classical music piece. There are many instruments that play at contrasting times to make up an amazing melody, just as it is with your life. There are tons of different parts of your life that contribute to the amazing melody this is your life. It could be being a mom, running a Scentsy business, or being a good wife. All these things have their place. In a instrumental song not all the instruments perform at the same time at the same power. Certain parts of themelody the flutes are louder, then the violins and so on. As it is in our life sometimes we have the mom hat on, sometimes we have the industry hat on. All the while the other jobs we have in our existence are quietly playing in the background. If you learn to focus on what you would like to focus on at that period your life will be a beautiful symphony.

The trick to running a successful work at home business while still being a mom is being able to know when to work your business and when to be a mother. Scheduling your time could be the best help in making all parts of your life successful. Having time to be a mother and be a business person is how you are going to make everything in your life click. Sit down each week and schedule out your day and week. Put in some time to be with your family and times to work your business. By doing this not only will you be winning you will also gain a more fulfilling relationship with your family and the time spent with them will be more rewarding.

Being a work at home mom may be the easiest way to earn additional money in Kentucky. You can and help others. You can work at your leisure. Learn more at

Used Car Sales With Motor Finance Wizard – Car Sales

Used Car Sales With Motor Finance Wizard – Car Sales

Used Car Sales With MFW

Motor Finance Wizard specializes in used car sales and is currently operating in Queensland, New South Wales and Victoria offering an extensive range of used cars to suit your needs. Not only does MFW focus on car sales, but they also specialise in providing motor vehicle finance solutions for people who may have found it difficult to obtain car financing. Motor Finance Wizard opened its first dealership in 2001 and has since sold and leased more than 19,000 vehicles to date, making us one of the nations largest used car dealerships in Australia. Motor Finance Wizard has used car dealerships and offer the best used car sales available in the Queensland, Victoria, and NSW area. MFW has thrived while other used car dealerships have struggled due in large part to their customer service and ability to get almost anyone in a used car of their choice. Their mission is to provide all Australians with the opportunity to own a motor vehicle, regardless of their financial situation.

Motor Vehicle Finance Through MFW

Motor Finance Wizard will assist those in need of used cars and have bad credit history in finding the vehicle they need. MFW operates used car dealerships that specialise in providing motor vehicle finance solutions on MFW used cars to customers who do not meet the strict lending criteria of mainstream lenders. This model allows customers to acquire car financing and a quality used cars from the same point of sale location.

Traditionally in Australia the sale of a motor vehicle has been a separate transaction to the car financing, involving two different parties; the car dealership and an independent finance company. MFW, through its in-house finance provider KWIK Finance, provides motor vehicle finance for customers exclusively to MFW used car dealerships for the full term of the Lease.

How To Become A Certified Financial Divorce Specialist

How To Become A Certified Financial Divorce Specialist

If you often work with individuals who are going through divorce proceedings, then you may want to consider becoming a Certified Financial Divorce Specialist (CFDS). Having this credential shows that you have comprehensive information that will help clients explore their financial options related to a divorce agreement. Training for the CFDS will make you better at helping your clients find a better position of financial stability.

Topics Covered in the CFDS Certification
The CFDS training is designed to improve and increase your knowledge of the complexities of the financial problems that are related to divorce agreements. The more you know about the tax, financial, and legal complexities of divorces cases, the better you can provide support for your clients. Furthermore, the course contains guidance on your role as a professional CFDS.

Here is a brief summary of the topics covered by this training program:
Assessing and identifying assets including family home, property, and pensions to career assets and benefit plans.
Overview of the various legal proceedings, the role of a professional CFDS, and the different methods of settling a divorce case.
Identifying the tax problems from the impact of child support and alimony. Identifying the reporting requirements when selling and dividing the house.
Information about malpractice, ethics, and working with other professionals on the case.
How to present and prepare financial affidavits and other reports.

Training Format of CFDS
The CFDS training program is available online. When you order the certification training course, you can expect to receive everything you will need to complete the entire course from the comforts of your office or home. In addition, the package includes a blinder with around 500 pages of content covering the topics mentioned before and more. This foundational case material also combines questions and case studies to make the learning more realistic.

The Family Law Software program is also included in the package. This program helps calculate the financial impact of various options that are under consideration. For instance, you can use this software to determine what will happen to your client if she assumes credit card debt to keep the house. Part of the initial training package allows you five months of access to this program. After the initial five months are over, there will be a monthly fee that includes ongoing access to technical assistance and software updates.

It usually takes around three months to prepare properly for the online examination. After you have successfully completed the examination, you are required to finish a case study while using the Family Law Software. If you successfully complete this, then you will receive your certification.

Starting Your Certified Financial Divorce Specialist Career
A marketing package will come with your certification. This package will provide guidance on how to promote your skills and knowledge. There is a listing of networking opportunities, template for a press release, and other advice that can help you establish yourself in this market as a CFDS.

Mcdonald’s Franchise Review – The Facts

Mcdonald’s Franchise Review – The Facts

Owning a McDonald’s franchise can be one of the most rewarding experiences of your life if you know what you’re doing, if you have the resources to qualify and if you do it the right way. However, before you do your share of serving billions and billions of hamburgers worldwide, there’s a few things you need to be aware of in order to make the right decision.

Today, there are roughly over 30,000 restaurants spanning the globe in over 100 countries. McDonald’s franchise has been in existence since 1955 and the franchise owners have played huge roles in the overall success of the company.

When considering to buy a McDonald’s franchise, you have 2 options in which to do so. The first is to purchase an existing restaurant from the company or another franchise owner, which happens to be the most common practice. The second option is to purchase a brand new restaurant that is built from the ground up. In both cases, you must have a minimum of $300,000 down payment that can NOT be borrowed. You have to physically have it in liquid assets.

Other important factors in buying a McDonald’s franchise include having significant business experience, good management skills, the ability to manage finances well, you must be able to execute and deliver on a business plan, you have to maintain exceptional customer service and you have to have a good credit history. If you can’t show you have all of these capabilities, then this franchise may not be a good fit for you.

Most experts will tell you that breaking even in the first 7-10 years is doing a real good job of running your McDonald’s franchise. Part of the ongoing expenses include the traditional expenses like rent, utilities, inventory, wages and of course the 4% royalty fees that are based on gross revenues and not net profits. What’s interesting to know is that the McDonald’s corporation usually owns the land the franchises are on and the franchise owners pay their rent to the corporation. In fact, it can be argued that McDonald’s is actually in the business of real estate since they are one of the largest holders of real estate in the world.

Bottom line is that owing a McDonald’s franchise is not for the timid. You have to have considerable net worth, a good track record and still get approval by the company. Not all franchises are this way and if you don’t qualify for a McDonald’s franchise, then there are plenty of other viable options for you.

Make Wise Investment Decision By Investing Money In Mutual Funds

Make Wise Investment Decision By Investing Money In Mutual Funds

In India, although a number of investment instruments are available which provide safe investment opportunities, Mutual fund is considered as one of the best instruments which help in capital appreciation and saving investors from gyrations of the market. For over the past few decades, stock market has shown tremendous growth and for accumulating substantial wealth, it is the need of the hour to include stock in the investment portfolio. By investing in mutual funds, one can actively accumulate huge capital within stipulated time period. Being regulated by SEBI, mutual fund is a company which pools money of numerous investors in various stocks, short and long term money market instruments, bonds and other securities.

An Overview about Mutual Funds

An investor can choose from plethora of mutual fund’s schemes depending upon his needs and requirements as different funds offer different benefits and even costs and expenses structure also varies from fund to fund. With the passage of time, the popularity of mutual funds has increased significantly. It is a fact that even small investors are able to invest in these financial instruments at a reasonable cost and for a longer period of time. Equity funds, fixed income funds, balanced funds are three types of categories in which mutual funds are divided.

On the behalf of the shareholders, mutual fund is professionally and efficiently managed by portfolio managers, who with their expertise knowledge diversify the money over various securities. For reaping the desired monetary benefits of the investments, it is necessary to avail the erudite services of portfolio managers. They keep a track of your investment requirements and give them desired shape by recommending investment alternative which is best suited for an individual.

Avail Advisory Services Online

By searching on the internet, one can find numerous websites that provides personal financial advisory services to an investor. By availing these services, even a novice investor can make wise decisions, depending upon individual investment’s requirements as these websites offer feasible suggestions backed by strong financial analysis. Business giant like network18 is an apt source through which an individual can acquire the investment advisory services or suggestions and fulfill his investment objectives. It is not wrong to say that there is no better alternative for minimizing risk and maximizing returns, then to invest in mutual funds. Therefore, multiply your money manifold by investing money in these instruments.