Life Settlements

Mention Life Settlements and you’re bound to hear strong opinions, both positive and negative. The life settlement market has grown into a billion dollar industry in the last few years.  If you're over 50 and own a term life insurance policy you no longer need, this could mean money in your pocket.

First, the UglEvery market has those who try to “game” the system.  Many seniors have fallen prey to agents tempting them with an offer of free money.  The senior is induced to purchase life insurance without a legitimate need for such coverage.  The insured then waits two years so the policy becomes uncontestable, sells the policy, and shares the proceeds with the other parties to the transaction. This is called “stranger originated life insurance” (STOLI). 

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Why You Should Invest

Knowing what your risk tolerance and investment style are will help you choose investments more wisely. While there are many different types of investments that one can make, there are really only three specific investment styles – and those three styles tie in with your risk tolerance. The three investment styles are conservative, moderate, and aggressive.
Naturally, if you find that you have a low tolerance for risk, your investment style will most likely be conservative or moderate at best. If you have a high tolerance for risk, you will most likely be a moderate or aggressive investor. At the same time, your financial goals will also determine what style of investing you use. 
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Deadline Approaching for 2006 Refunds

Individuals have until April 15, 2010, to file an original or amended tax return for 2006 and receive a refund from that year. The IRS says it has about $1.3 billion in reserve for people who still need to file their 2006 returns.
Additionally, taxpayers had a special one-time-only tax credit available to them in 2006. It was called the telephone excise tax refund. Basically this is a tax credit available to anyone who had telephone service, whether landline or mobile, and represents a refund of excise taxes that were ruled unconstitutional. In reviewing previous atax returns for clients I have noted that some failed to request this tax credit. So as a tip to my readers, I would suggest pulling out a copy of your 2006 tax return to see if you took this credit. If you did not, you can file an amended tax return using Form 1040X to request additional money back from the government. Here's what to look for on your 2006 return: see if there's a tax credit amount showing up on
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6 Steps to a Positive Body Image

6 Steps to a Positive Body Image

 

positive body image is one that we should all strive for. This is when you know yourself and who you are. You have a very true perception of your size, shape, and weight. You see yourself as you are in the present. You accept yourself, even though you may be overweight. You believe in yourself and love yourself while still striving for something better. When you have a positive body image, no time is spent obsessing about food, weight, calories, exercise, etc. You are proud of who you are and feel comfortable in your own body. Many people that suffer from binge eating disorder do not have positive body images. Instead, they have very distorted images of how they see themselves.

 

Here are six ways to create a positive body image for yourself. 

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