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Cheap Home Loans are not Available as a Readymade Potion; Need to Work to Make Them Happen
For most people in the UK, home loans necessarily connote cheap
finance. How can they not get cheaper finance when they have
offered lien on home to loan provider? Loan providers however
devise ways to overcharge borrowers who are not much...
Debt elimination: Legal! Lawful! Ethical! Debt elimination really works.
You are trying hard to eliminate your loans but keep falling back on your old ways. This constantly leads you back to square one situation and debts seem like they are ever increasing. This is the time to go for debt elimination. The good news is...
Debt Management gives the comfort of a debt free life
Everyone borrows money from the financial market at one or the
other time to meet some urgent needs. But, at that time we don't
realise that taking various debts from different lenders may
become a burden one day. If you too are facing the...
Eight Ways to Consolidate Debt
Next to winning the lottery, a debt consolidation loan is a debtor’s dream. With one monthly payment and a fixed monthly payment schedule, you can actually see an end to those monthly payments.
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How to Sell Your Property Privately
With the current high property prices, more and more people are
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Life Settlement Overview
A “Life Settlement” is a lump sum settlement paid to the owner of a life insurance policy by one of many funding sources in exchange for the ownership of the policy. Never before have non-terminal policyholders been able to receive capital in excess of their policy’s cash or surrender value to increase their wealth. A Life Settlement can usually provide anywhere from 2 to 5 times the cash surrender value of the policy. "With the life settlement option availble, there is no reason to surrender or lapse your life insurance policy." says Grant Shellhammer, of http://www.lifesettlementpro.com/.
Generally, anyone over age 70 who has $100,000 or more in life insurance coverage may qualify for a Life Settlement regardless of health condition. Other factors considered in the negotiations are the policy’s cash surrender values and the cost of premiums. A basic principle to remember is that the older the age of the insured and/or the more health complications exist, the higher the settlement. However, each individual’s situation is different from case to case.
The fundamentals of the Life Settlement transaction have technically been around since 1989 in the form of “viatical settlements”. Individuals at any age can qualify for a viatical settlement if they have a chronic or terminal illness such as cancer or HIV. Viatical Settlements
have always been contingent upon the health of the insured, whereas Life Settlements are contingent mainly upon the age of the insured. In most states a terminally ill senior applicant will need to use a licensed viatical broker and/or funder in order to abide by state rules and regulations and to retain the tax-exempt status of the settlement.
According to industry reports, Life Settlement proceeds are tax-free up to the cost basis (premiums paid since policy inception). They are taxed as ordinary income from basis to cash surrender value and proceeds above the cash surrender value are taxed as capital gains.
Once the Life Settlement change of ownership has been recorded with the insurance company and the policyholder has received their money, the Life Settlement funding source will continue to pay premiums throughout the life of the insured. All types of life insurance qualify including group, term, whole-life, universal, survivorship and key-man policies.
About the Author
Grant Shellhammer is an affliate Life Settlement Broker with Life Settlement Pro. He works with senior citizens and financial professionals nationwide to provide life settlements.
Contact details:
grant@lifesettlementpro.com
1.888.973.8377
http://www.lifesettlementpro.com
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Negotiation - Wikipedia, the free encyclopedia |
The first step in negotiation is to determine whether the situation is in fact a negotiation ... The book's approach, referred to as Principled Negotiation, ... |
en.wikipedia.org |
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Negotiation Seminars Negotiation Training Negotiations Consultants ... |
Negotiation and alternative dispute resolution seminars, negotiation training and video presentations with available keynote speakers. |
www.negotiation.com |
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Program on Negotiation at Harvard Law School |
Negotiation training, research, and publications from the world's foremost authority on negotiation and dispute resolution. |
www.pon.harvard.edu |
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PON: Harvard Negotiations Project |
Please visit the Harvard Negotiation Project website for complete information and ... The Harvard Negotiation Project's mission is to improve the theory, ... |
www.pon.harvard.edu |
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The Negotiation Skills Company, Inc. |
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Global Trade Negotiations Home Page |
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Principled Negotiation |
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www.colorado.edu |
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Salary Negotiation and Job Offer Tutorial |
Job-seekers: Learn the basics (and advanced techniques) of the art and strategy of salary negotiation (getting the salary you want) in this tutorial. |
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Salary Negotiation and Job Offer Tutorial -- Map of the Tutorial |
Site map to an expert (and free) tutorial on the art and strategy of salary and job offer negotiation. A guide to assist every job-seeker with salaries. |
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Win-Win Negotiation - How to reach a fair compromise - Negotiating ... |
This article and free worksheet help you negotiate fair compromises with people whose goodwill you need. It highlights the importance of good negotiation ... |
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negotiation journal |
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Apache Content Negotiation |
Apache's support for content negotiation has been updated to meet the ... Apache 1.2 supports 'server driven' content negotiation, as defined in the ... |
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Eric C. Gould's Negotiation Site |
Subscribe to newsletter with negotiating tips and techniques. |
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Monster.com: The Negotiation Coach |
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Negotiation Articles |
Negotiation articles for the busy entrepreneur written by a diverse group of experts, speakers, professionals, consultants, and marketing companies. |
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Salary Negotiation Tips - When it's time to negotiate salary changes, trust Career Journal to give you the best and most current career salary information. |
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PON Clearinghouse |
Welcome to the Program on Negotiation Clearinghouse, a resource center for people interested in learning and teaching about negotiation and alternative ... |
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:: Negotiations Affairs Department :: |
Information on the issues, history, developments and positions regarding Palestinian-Israeli peace negotiations. |
www.nad-plo.org |
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