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Life insurance fraud costs international life insurance providers and estimated $68 billion dollars annually. Wow! $68B is a lot of dough – the kind of dough that makes people go crazy with desire; and commit serious crimes. Life insurance fraud cases are, as you would probably expect, at all-time highs. That means that people are comitting insurance fraud, more and more, because they feel forced to provide for their families in seemingly impossible scenarios.

They don’t want to “go out”, leaving their loved ones to struggle in the midst of an insane world – and so they try to get over on life insurance companies. It’s not the most novel idea, but it is a popular one. All the major insurers have fallen victim over the years, Allstate, GEICO,  even GIO have had to deal with these unfortunate events.

rencontres cse Extreme Cases of Life Insurance Fraud

Johnny works as a mortician journeyman, and he has a social issue. You see, Johnny doesn’t like playing by the rules. He likes games of  chance instead. He believes he has the “perfect crime” planned: a life insurance fraud scheme.

He knows he can do it. He has connections. He uses them to forge fake IDs, procure fictitious medical documentation and all other necessary items to fool the life insurance company out of their death benefit payouts.He loves his family and sees no other ways to make sure they are provided for after he passes. He steals a body, fakes a death, gets a doctor to sign off on medical documents and then collects life insurance benefits on someone who never really existed.

je cherche une belle fille а“Т dakar Life Insurance Fraud 2014

Modern technologies have empowered life insurance companies to detect fraud schemes easier and more effectively. DNA testing, a backlogged judicial system and $68B worth of massive inspiration to stop fraud have insurance fraud investigators hopping through their careers like bunnies; never able to completely thwart the onset.

That $68 billion is annual losses keeps those companies hiring more investigators, keeping those investigators actively investigating – and stumbling in overall inefficiency like never before. Remember: life insurance fraud is at all-time high levels.

click here for more How record high life insurance fraud affects your wallet:

Get one thing clear: life insurance companies, as well as all other types of insurance companies, do not incur long-term losses. They just don’t. They employ actuaries, some of the smartest people alive, to ensure that they do no lose money long-term. That means that every single time someone gets away with a life insurance fraud scheme, the insurance company will redefine their premium pricing schedules to absorb those losses. YOU will pay, along with the rest of everyone, for the losses life insurance companies pay out to fraud. Insurance companies do not take losses; they distribute their costs to their policyholders.

address Bottom line about extreme life insurance fraud:

Extreme life insurance fraud is on the rise. Because economies are suffering while governments increase revenues, people are more and more desperate. They turn to crime, sometimes to fraud. Criminals who want to succeed get extreme, and this results in some very intricate plans to take money from life insurance companies. Even with all the investigators in place, these companies continue to lose profits because of extreme life insurance fraud.

Article publié pour la première fois le 30/04/2014

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Money Carnivals

Here are the carnivals where I was featured this week, check them out for some excellent personal finance reading.


Best of Money Carnival @ Budgets are Sexy – 15 Ways to Simplify Your Life


Festival of Frugality @ Yes I am Cheap – Homemade vs. Store-Bought Cost Comparison


Carnival of Money Stories @ Money Beagle – Car Financing – What to Know


Carnival of Personal Finance @ Ultimate Money Blog – Can You Really Afford a Dog?


Enjoy!


Article publié pour la première fois le 03/08/2010

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The Basics of Investment Properties

Feel free to use the following information to make yourself some cash when buying an investment property.

Pay the right price

Investing in real estate is the same as any other investment purchase. It is all about buying low and selling high. You need to avoid paying too much for an investment property if you want to make money off of it. This means being able to purchase a property under market value. You can do this by investigating the local market and making an offer below the market value. Help yourself find some great cheap loan deals with comparethemarket.  The difference between a profitable and an unprofitable one all depends upon the deal that you get.

Be prepared to invest in the property

Getting a property on the cheap often means that it will not be in an absolutely perfect condition. You can get a sweet deal on a foreclosed property or a distressed home. However, you need to be prepared to spend both time and money fixing up a property. This means not depleting all of your financial resources on the investment home purchase. You should keep some extra cash to refurbish and renovate areas that need work. It is always best to hire professionals and get the job done right the first time. Spending a few extra bucks to fix up a home could result in a healthy profit.

Figure out how to make money off the property before buying

You should outline your plan to make money off of a piece of real estate property before buying. Is your plan to fix up a house and flip it for a quick profit? Or is your plan to hold onto a property for the long term and generate rental income month after month? You will need to know your plan for making money before applying for a loan from a bank. This will keep you from overextending yourself and losing money on your home. It will also make it easier for you to explain your investment purchase to potential lenders and secure the loan funds that you need.

Article publié pour la première fois le 08/12/2011

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Personal Finance & Economics

Once, in a fit of rage over small town living, my friend Elisabeth exclaimed, “Why doesn’t this town just use the economy to bring in a Target?!”  Hopefully after reading this article, you will find that statement as hilarious as I did. 

Most people that I know who have ever taken a course in economics slept right through it.  I will tell you right now that I love the study of economics; I love the common sense, I love the relevant graphs, I love love love it.  You will feel the same way once you realize how applicable of a science it is (maybe not exactly the same way, but you’ll appreciate it), particularly to your personal finances. 

conocer a un hombre escorpio Let’s review some of those key concepts that some of you may have snoozed through.

1.  The economy is not one thing, it is a series of activities: production, distribution & consumption.  It can’t bring you a pillow, a glass of water, or anything.  What a CRAZY idea.

2.  Law of Supply and Demand:

Demand is the quantity of product that the population is willing to purchase at a certain price.  As the price goes up, people are willing to buy less of the product.  That makes sense; you have a budget, the more expensive something is, the less likely you are to buy it.

Supply is the quantity of product that producers are willing to make if they are going to sell it for a certain price.  As the price goes up, producers are willing to make more of the product because it means more money.

Supply and demand must meet in the middle for everyone to be happy.  If Apple made 1,000,0000 iPhones and sold them for $1,000 each, they would be stuck with a bunch of iPhones because people don’t want to pay that much.  On the other hand, if Apple made 1,000 iPhones and sold them for $20 each, they would sell out and there would be a bunch of mad customer’s who wanted iPhones but couldn’t get them.

Elementary, right?

3.  Opportunity Cost – What you give up in order to do something else.  If you go to the mall, you don’t get to go to the beach.  If you buy new clothes, you can’t spend the money on the new computer.  You make these decisions everyday, whether you truly consider them or not. 

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Article publié pour la première fois le 30/06/2010

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Spending Under Pressure


This past weekend Husband, Friend and I visited the “grassy knoll” where JFK was shot.  My nerdy camera around my neck, I stopped to read a historical plaque.  As I read, behind me Husband and Friend were approached by a man in a fanny pack (I should realized right then and there that something was amiss, my mother taught me never to trust men with fanny packs).

Fanny Pack Man (FPM from here on out) pointed out the window where Oswald shot from and told me mumbled to me that the view was better for picture-taking across the street.  Clearly it was, so us three adults, oddly plus one FPM, crossed to get a better look.  

Once across, FPM’s intentions became apparent as he gave us a mini-lecture about the scene in front of us.  He pointed out the marks that indicated where the gun shots hit.  He relayed the different conspiracy theories.  dinamicas para adultos solteros cristianos He wanted money

At the end of his half-mumbled, semi-informative speech, FPM delivered a time-perfected line that in effect told us we owed him $5 a pop for the presentation.  I like to say we got “Mariachi Banded” (common where we used to live in south Texas) – we received a service we didn’t ask for and were then told to pay up.  

Much to my dismay Friend and Husband reached for their wallets.  Gasp.  The rest happened in slow motion. 

bar rencontre 95 *Re-reading that last sentence, I realize I might have given the impression that we were in danger.  No, we were not being robbed, at least not literally. my review here *

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Article publié pour la première fois le 06/09/2010

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I need to start this off with a disclaimer, lest anyone think I’m unsympathetic to the plight of sub-minimum wage restaurant employees. You see, I worked as a waitress – for one semester of college – and I know what it’s like to spend hours on your feet, shuttling from table to table, dealing with whiny kids, disgruntled adults, and people who treat you as the working professional that you are, but as someone too lazy to get a “real” job. I’ve been there, I’ve done that.

And so when it comes to leaving the appropriate tip, I tend to be generous. 20% is a pretty standard tip for my family when we’re dining out; if my kids have been particularly messy – and the server has been particularly good-natured about it – I might leave 30%. My dad’s the type of guy who goes even further – he’s been known to leave $100 tips for his favorite servers at restaurants he and my mom frequent week in and week out. So I know what it means to leave an appropriate tip.

Which is why, after a recent meal at a local Italian restaurant, I felt so bad about tipping the waitress well below my usual 20% threshold.

It began innocently enough. We opted for Italian because if was a Friday in Lent and, as good Catholics, my husband and I were trying to avoid eating meat. We thought pizza and spaghetti would be a good choice, both for us and our two young children (ages 5 and 2). We’ve been to the restaurant in question several times before and have always had good (if slow) service.

We didn’t order anything out of the ordinary. My kids split a pepperoni pizza. My husband ordered a sandwich; I ordered a salad.

That’s not what made it to our table.

My kids ended up with a cheese pizza – no biggie, they’re just as happy with all cheese as they are with pepperoni. But instead of getting the caprese salad I’d requested, I ended up with tomato and beefsteak mozzarella on two pieces of bread; my husband didn’t get the portabello mushroom, peppers, and eggplant panini he’d ordered, but rather a salad with those toppings (raw, not grilled). In other words, the kitchen had given us each the inverse of our order.

When we mentioned this to the waitress, she suggested we just “swap” plates. I actually laughed at her, because I didn’t think she was serious, but she totally was. When I explained that I wanted a tomato salad, not a mushroom salad, she realized what was going on. It still took some convincing to get her to accept the fact that she was going to have to take the incorrect meals back to the kitchen and bring us what we’d actually ordered. It took us another 20 minutes to get our actual meals. By that time, the kids were done with their pizza and were antsy to be going (re: they were starting to act like hooligans and disturb other diners). We ultimately took our meals to go.

As we left, I paid the bill, leaving what amounted to a 10% tip. I know some people think that’s an appropriate tip in general, particularly for bad service; I know a few folks who think it’s absolutely okay to stiff a server. Having done the job for a few months, I could never do that. But leaving just 10% left me feeling guilty.

It’s not that the waitress was rude or anything – she was actually just clueless. Things that seemed common sense to me (ie, if you bring out the wrong food to a customer, you immediately replace it with the wrong dish, no questions asked!) puzzled her. My husband suggested I look at my low tip as a way of telling her, “Maybe this isn’t the job for you.” However, if she couldn’t figure out that our meals were wrong and needed to be fixed, I doubt she’d read between the lines of a small tip to see what I was actually trying to tell her.

So my question is, what do you consider to be an appropriate tip for bad service when dining out? Do you stiff a server, and if so, under what conditions? Or do you tip the same percent, regardless of service?

Article publié pour la première fois le 20/10/2014

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