Archive for Past Life Contracts
Can’t See the Forest From the Trees
I always pondered on this saying and don’t think I really understood what it meant until today where I fully experienced this through a situation that presented itself for me as a perfect learning opportunity.
I was driving looking for an address.”I think I know where I am going,” my sister calls me on the cell phone. Here we are talking about our plans, our dreams and our future or should I say she was, because all of a sudden I find myself lost while she is talking up a storm as to “how on fire she is” with our dream. For the past year, we have worked intensely together creating a blueprint for our concepts and our dreams. The plan was we would be making these real estate deals so we could continue to fund our dreams. I had left my “job” after basically having a stable income for all of my adult life in some form or another. Of coarse, we were able to do this through a business credit line, of which we had anticipated to pay back within the year due to the projected sales of real estate.
But then came the real estate crash, who would have thought…….. Go figure, right???? And even in the crash, with the listings we had, and good solid contracts coming in, the deals fell apart because the sellers were suddenly upside down. There is no way we could have foreseen the drastic drop in prices in one year in Miami. At the time the market seemed to be doing well. But life has a way of take funny turns. My sister is a single mother and I, while married, and in a very stable relationship had been the major bread winner in our household. All of a sudden my sister and I are faced with no income coming in and debts piling up. It so happened that at this time my sister was also in the process of a surgical procedure to repair damage to an injured ankle from a car accident five years ago. The pain was so bad from barely any cartilage, she could hardly walk.
We were both faced with: “Now what?” There was no other option but for me to go out and find another “job.” This was excruciatingly difficult for me, probably as much as the pain in her ankle. I have been in the system of working for someone and receiving a “paycheck” for 30 years since I got out of college. On the other hand, my sister has always been self-employed and an entrepreneur in her real estate business. Quite a different world for each of us. So when I began working with her, it really took a long while for me to make that shift from “paycheck mentality” to self-employed, entrepreneur, creator of my own destiny. Don’t get me wrong, I have had my own small private practice and within the last 15 years worked as an independent contractor with different agencies. But our work together was different. It was creating something different. We were really creating our hopes, dreams and desires. And then came the real estate market crash, and then the financial markets crash. I had to go back to work in something that I did not necessarily receive a great deal of satisfaction but in the moment paid the bills and most of the time barely.
Going back to the beginning of the story, while I am on the phone with her and lost looking for this address, she was been “TOTALLY “immersed in continuing the dream because her schedule and lifestyle at this point allows it. (Thank God because if not our dreams would have died). One person always has to hold that dream.
A few months ago, I re-entered the “system of work “and all that this entails. Yes living paycheck to paycheck as so many Americans do this day. Today happened to be a more frustrating day as I experienced computer problems etc. etc. etc.
As we were talking on the phone, I finally get fed up with going around in circles and tell her I need to get off the phone because I am lost and need to find this address before 5:00 pm. I focus and begin to think as I am driving, “I know I am in the right area. I am only a block off, how can I not find this place? “
As I retrace my steps to where I had been earlier I decide to go a little further in what I had assumed and thought was a DEAD END because I was in my frustration of the emotion of my conversation with my sister and was not paying attention. As I went a couple of feet further, there was the address that I was looking for. Yes it was the DEAD END” I HAD NOT GONE FAR ENOUGH.
Funny in our conversation on the phone my sister had said something about pushing – pushing for the dream. While I felt sometimes I was drowning being back in the system and allowing myself to get frustrated about details, I understood what she was saying. I do the same in my marriage with my husband. Sometimes I hold the dream and push for the dream.
I realize that this is what is important in working with partnerships whether it is with my sister or with my husband, at some point in time one person of the partnership has to hold the dream. We all go through those moments where we feel like giving up. I have been in that mode and today’s experience reminded me of that. What I thought and saw as the DEAD END was really the final destination that I was looking for. We all somehow tend to give up right before we get to our final destination. It’s that last mile that makes or breaks us. It’s not being able to see the forest for the trees that we lose our vision.
anonymous
Life Insurance 11 – What is the Minimum & Maximum Premiums in Universal Life Insurance
As we mentioned in previous articles, UL plans are unbundled, the various components of the plan such as insurance charges and earned interest can each be isolated and quantified. Consequently, they are much easier to understand and explain than traditional bundle permanent life insurance products.In this article, we will discuss the minimum and maximum premiums of the universal life policy.
Most companies place contractual restrictions on the minimum and maximum deposits they are prepared to accept in the early years of a UL plan. As an policy holder, you have the right to chose any amount of premium in the between of minimum and maximum premiums’ range. Generally the lower the minimum premium and the higher the maximum premium, the more flexible the UL plan is with respect to funding options.
1. Minimum premium
Many insurance companies allow only minimum premium paid as long as the premium is enough to cover the cost of insurance. Some companies apply the minimum premium restriction only for the first year of the policy. Others require that no less than the minimum premium must be paid in the first year and at least two times the minimum premium must be paid after two years. Yet others require that at least five times the minimum premium must be paid into the plan after five years. Of course, if the first year deposit is greater than five times the minimum premium, no future deposits would be contractually required.
Under universal life option, policy holder can make a large initial premium and do not need to any additional premium again as long as the investment funds in the policy are enough to cover the insurance cost. In Fact, a higher minimum deposit requirement forces the policyholder to put more money into the plan in the early years to build up a fund value within the plan. This is the obligation of insurance company to inform you when the additional premium is required, usually caused by depletion of investment fund in the policy.
2. Maximum premium
Maximum premiums are usually only a factor in the first policy year. In subsequent years, usually the only restriction is that the fund value or cash value of the plan be kept below the exempt line. Therefore, beyond the first year, maximum policy deposits vary with many factors such as credited rates, past deposits, etc. as long as they do not force the policy to become non-exempt.
In fact most companies link a taxable side fund to their UL contracts. They are, therefore, usually able to accept much larger deposits since any funds that are over the maximum are placed into this side fund where growth is taxed annually. When the accumulating fund drops below the exempt line, many of these plans automatically transfer dollars from the side fund to the policy fund, thereby maximizing the tax sheltering aspect of the plan in the process.
I hope this information will help. If you need more information, you can read the complete series of the above subject at my home page:
http://lifeanddisabitityinsuranceunderwriter.blogspot.com/
http://life-insurance12.blogspot.com
http://life-insurance13.blogspot.com
All rights reserved. Any reproducing of this article must have all the links intact.
Kyle J. Norton
The Safety of the Commercial Mortgage is not That Time
Forget everything you thought you of the advantages of a variable-rate mortgage to take instead of closing in for the long term was aware.
A new study suggests the safety of one five-year Commercial mortgage Quote little or nothing beyond a more riskier variable-rate mortgage, provided that you have a jumbo-ranked discount rate gets.
“His interest costs on mortgages closed for close to five years, and often lower than that of variable-rate mortgages since late 1996,” the higher of Canada Mortgage and Ali Manouchehri economist of the Housing Corp.. Writing in the study.
The house owners have variable-rate mortgages enord in the past few years in the popular belief that you can save on interest costs by your mortgage rate to the first lenende rate of your lender to pens. Since the first increases, or as is generally in the past few years, cases happened, if your mortgage rate.
The prime rate by the major banks is now 4.5 per cent, while the posted rate of five years in the big banks is 6.15 per cent. In only one year, the variable-rate option saves you about $ 1,700 monthly payments to a $ 150,000 Commercial mortgage repaid over 25 years (a level prime rate assume).
Historically, you would also have spared. The CMHC study shows that the mortgages of five years from 1993 through 1998 will be taken anywhere from $ 50,000 to $ 5,000 in extra interest that would have cost about the term of the loan is paid (the example is based on a $ 100,000 mortgage repaid over 25 years).
The lack of this analysis is that it is not real-world Commercial mortgage price points. These days, very few people remove from a mortgage without a substantial discount from the posted rates at major banks.
For that reason, decided M. Manouchehri of CMHC mortgages for five years for variable-rate mortgages to compare. Incidentally, five-year term by far the most popular for fixed-rate mortgages around 59 per cent of the total.
The size of the rebates M. Manouchehri applied was based on the difference between posted major bank rates and the best contracts available from other donors.
For the five-year mortgages, he used a discount of 1.25 of a percentage point; for variable-rate mortgages was 0.4 of a point of first.
For mortgages of five years between 1993 and mid-1996 are taken, was the five-year mortgages more expensive in terms of interest. Since then, however, are variable-rate Commercial mortgage Rates have generally been a little bit expensive.
Clearly, there is nothing in this study that the fixed-rate compared with variable-rate debate once and for all decided.
In fact, the study CMHC only confuse everyone who recalls that at some research for Manu Life Financial back in 2000 by the finances of York University Professor Moshe Milevsky is made. His research found that the additional interest on a Commercial mortgage is loaded five-year average cost $ 20,000 between 1950 and 2000 for a $ 100,000 mortgage repaid over 15 years would have.
Some of the variable-rate towards five-year cross into question, go back to the CMHC study.
It shows that the Commercial mortgages for five years, or else, especially poor choices for a period of three years starting in mid-1993 were. The rates were high than for a tijdjerug, but they were later.
You were a spectator to these tariff reductions if you have a mortgage of five years was pasted, while people in variable-rate mortgages would have benefited almost immediately.
It is now a different world, nonetheless. The five-year mortgage rates are low, close to a 50-year, which suggests they will be much earlier to have their term: Take than to fall.
So what is here, variable-rate or five-year fixed rate the best choice? The people who are rock-bottom mortgage rates like as long as possible will probably still pay a variable-rate mortgage want. Remind me, you can type in a fixed-term Commercial mortgage Quote without penalty in most cases.
The case for the term of five years sees almost looks strong, nonetheless. First, the study tells us CMHC no significant costs to the conclusion within five years of your mortgage, and you even a little over a variable-rate mortgage could save.
Secondly, the likelihood of higher rates in the coming years suggest that this is a good time intends to close.
If you have a variable-rate Commercial mortgage lenders to 4 per cent is foreseen, would bloom by 0.85 of a percentage point should be given to the current tariff of five years to match. Not a lot of land within the wingspan of 12-18-month deal when the economy is doing well.
Challenged Baar, the variable-rate fixed-rate against any debate on the risks and rewards. At this moment, offers the option of five years is far less risk, and almost as much to pay.
Pro Bargain Hunter
Cell Phone No Contract Plans – The Facts
The reasons behind the selection of a cell phone no contract option may be numerous! Everyone knows that the electronics market is filled with constant technological innovations, arrival of new options, brands and changes in network availability and coverage. In case you get bound by a contract, you could end up regretting it!
On top of that, you can change your phone, network, carrier or even your plan at short notice and another prime benefit in choosing a cell phone no contract plan is that you really do not have to project any figures about your potential usage for many years ahead.
When you actually sign up for a contract, you have to look into a crystal ball and predict the future to see how useful the terms will be for you tomorrow. In two years or even a year from now, your monthly fixed charge may not be suitable at all.
If you had had some problems in the past and have poor credit, or even have no credit due to your age, by choosing a cell phone no contract plan you won’t have to undergo a credit check. On top of everything, if you have one of these plans, you do not have to establish a security deposit.
In fact, there are just two types of cell phone no contract plan available – the “pay as you go” plan and the prepaid plan. If you opt for a prepaid plan, you will pay for your monthly usage before you start. This gives you the advantage of being able to change your needs in a month’s time.
This kind of plan offers considerable flexibility and can be a great solution for you if you’re on a budget or in a transitional phase of your life. A starter phone is included within this plan and a number of additional benefits could also be available.
In case you opt for “pay as you go,” then you will not have to pay any advance amounts and will not need a credit card for paying. Phone cards are easily available in convenience stores, shopping malls or gas stations and you simply need to purchase a certain amount each month to keep the account active. Other than that, there are no commitments, no contracts, no credit card requirements, no credit checks and no deposits.
As competition continues to grow in the marketplace, consumers are faced with tons of option related to no contract cell phone plans, pay as you go and low cost. Competition will push traditional carriers to throw out more flexibility to end-consumers.
Cell phone no contract plans will become more widely available as the carriers understand that the consumer needs and will demand choice and freedom.
Daniel Stouffer
http://www.articlesbase.com/computers-articles/cell-phone-no-contract-plans-the-facts-1089850.html
Holographic Healing Reviewed
Copyright (c) 2009 Your Mind Body and Soul 123
I recently had my first experience with holographic healing.
The teleconference was 70 minutes in length and held 130 people.
Reggi Shelley offered the holographic healing session. Reggi started out explaining what would happen. She said she would pay attention to the energy of the group. Whatever shows up for her is the direction she will go.
The direction she goes is not always where she expects to go. She listens to her guidance.
Reggi advised the energy of the group was taking her in a spiritual space. A sacret energy.
Reggi made a conscious connection with each of us. Creating a oneness and eliminating the distance between the callers.
She then said she entered into the hologram with each of us. Now I confess I do not know what this entails. I imagine she was holding a ball of energy in her hand and entered this space. Only Reggi knows.
We were released of Karma, past life issues and contracts.
Next came the healing of physical issues consisting of hips, heart, shoulders, brain, etc.
Finally we were given the energy to handle all the high vibrations entering the planet.
The session took 70 minutes and it felt like 20 minutes! I am amazed at how fast time flew. Wow.
As Reggi closed out the teleconference she noted the sacred energy and stillness of the group. Yes, I could really feel it. So much so that I did not move for another 30 minutes.
The sacred energy was very peaceful and warm. I did not want to miss a moment of it. Finally I did get myself to bed and stayed in this space as I slept.
I woke this morning to more peacefulness. I still feel peaceful and am grateful for the holographic healing.
While I do not know how holographic healing works, I equate it to prayer and electricity. It works, but I cannot explain it! I venture to say that we are all connected. This session truly feels as though we are connected especially when we experienced the stillness of the group.
I am still feeling the affects of the session and look forward to another session next month with Reggi.
In the meantime, I have signed up for 1-on-1 session with Reggi this week. Can hardly wait!
Holographic healing is the cutting edge of transformation and healing. We all will be using the matrix to heal our lifes and the world. Time to get on board in the matrix!
God Bless ~
Colleen Lilly
http://www.articlesbase.com/self-improvement-articles/holographic-healing-reviewed-709929.html
