There are several types of whole life insurance policies.[1] New York State defines six traditional forms: non-participating (aka “non par”), participating, indeterminate premium, economic, limited pay, and single premium.[2] A newer type is known generally as interest sensitive whole life. Other jurisdictions may classify them differently, and not all companies offer all types. There are as many types of insurance policies as can be written in their contracts while staying within the law’s guidelines.
[edit] Non-Participating

All values related to the policy (death benefits, cash surrender values, premiums) are usually determined at policy issue, for the life of the contract, and usually cannot be altered after issue.

This means that the insurance company assumes all risk of future performance versus the actuaries’ estimates. If future claims are underestimated, the insurance company makes up the difference. On the other hand, if the actuaries’ estimates on future death claims are high, the insurance company will retain the difference.
[edit] Participating

In a participating policy (also par in the USA, and known as a with-profits policy in the Commonwealth), the insurance company shares the excess profits (variously called dividends or refunds in the USA, bonus in the Commonwealth) with the policyholder. Typically these refunds are not taxable because they are considered an overcharge of premium. The greater the overcharge by the company, the greater the refund/dividend. For a mutual life insurance company, participation also implies a degree of ownership of the mutuality.[3]
[edit] Indeterminate Premium

Similar to non-participating, except that the premium may vary year to year. However, the premium will never exceed the maximum premium guaranteed in the policy.
[edit] Economic

A blending of participating and term life insurance, wherein a part of the dividends is used to purchase additional term insurance. This can generally yield a higher death benefit, at a cost to long term cash value. In some policy years the dividends may be below projections, causing the death benefit in those years to decrease.
[edit] Limited Pay

Similar to a participating policy, but instead of paying annual premiums for life, they are only due for a certain number of years, such as 20. The policy may also be set up to be fully paid up at a certain age, such as 65 or 80.[4] The policy itself continues for the life of the insured. These policies would typically cost more up front, since the insurance company needs to build up sufficient cash value within the policy during the payment years to fund the policy for the remainder of the insured’s life.
[edit] Single Premium

A form of limited pay, where the pay period is a single large payment up front. These policies typically have fees during early policy years should the policyholder cash it in.
[edit] Interest Sensitive

This type is fairly new, and is also known as either excess interest or current assumption whole life. The policies are a mixture of traditional whole life and universal life. Instead of using dividends to augment guaranteed cash value accumulation, the interest on the policy’s cash value varies with current market conditions. Like whole life, death benefit remains constant for life. Like universal life, the premium payment might vary, but not above the maximum premium guaranteed within the policy.[5]

2. Before you go buy your expensive vehicle. The cost of the high insurance premiums will keep you from buying that car.

3. Setup some high deductibles. This is a common tip, but a good one

4. Get rid of your full coverage and just get liability on older vehicles.

5. Work on sprucing your credit score. This seems to be one big factor when the insurance companies are evaluating you. They shouldn’t do it.

2. Call up your insurance company and drop any unnecessary coverage. I have heard stories with young adults on their parent’s coverage who got a DUI. Guess what? The insurance price either went way up, they dropped you or they removed your family member from the policy.

3. Buy home owners and car insurance from the same provider. When you bundle you should get a better price.

4. Increase your deductable. My father did this. You won’t likely repair broken windshields, small thieves or accidents, but your overall rates will be much less. I think this is a excellent tip.

5. Ask your insurance provider about other discounts. They may have safe driver discounts, low mileage discounts, good driver discounts and now I sound like a Progressive television commercial. How funny.

6. Look for a ways to sign up with a group. Some credit unions do this.

7. Work on fixing your credit.

8. Don’t drive a fancy red sports car with 2 doors, turbo chargers because insurance companies look for any way to raise your rates or charge you high rates.

With big layoffs, not many job opportunities everyone is looking for ways to reduce their monthly expenses. Trimming down or switching your car insurance will help you save money. Also a lot of people are getting ready to retire and will not have the same income levels. So any way to save money will help.

My old room at my parent’s house now has a cat that my parents let live in it. However, this isn’t all fun. The cat does not get along with other animals such as another cat and a dog. This cat is a real living scarred cat. It literally did a bowl movement and urinated on a mattress that no one uses and on the carpet.
So I used a Bissell steam cleaning carpet cleaner, but at first I inadvertently did not latch the water container correctly. The machine will not operate correctly and cycles the water back onto the carpet. Once I was instructed to latch than the carpet cleaner started to work correctly. If you have pet urine on the carpet you can buy a special formula at your local store such as bi-mart. This particular steam cleaner by Bissell recommends their own brand, but any will work.

Steps on how to clean your carpet

Fill the water container up.

The Bissel has a water container, dirty water fills on the bottom of the container.

Go in slow steady straight lines.

Make sure you overlap the lines so that you don’t leave UN cleaned carpet. Generally the handle is where you press to release the chemical or if you’re using a steam cleaner the pressure of the water. As you move in a forward motion you hold down the handle trigger. You should see a big different compared to the dirty carpet right next to the clean line you just made. I use a heavy duty steam cleaner at work and you can tell the difference.

use proper dumping procedures

Make sure you read the instructions or look on the machine to see where you dump the water. With my carpet cleaning machine you can see the proper place to dump the water. At first I didn’t read and was turning a nozzle on the bottom of the water container and draining it out the bottom. You might see clumps of pet hair building up inside the dirty portion of the water container. Or you will see balls of wadded up pet hair in the carpet.
My advice if you want to do your own carpet cleaning is to rent a commercial unit. I store bought one will work and might be a good option if you need to clean your carpets regularly because it may be expensive always renting a unit or paying a guy to use a machine from his carpet cleaning van. If you are on a budget I would do it yourself and rent a carpet cleaner at Safeway, Bi mart ect.

FORWARD PLANNING
Foreign currency (watch rates)
Travellers’ cheques
Vaccinations
Visas

Arrange care for pets / plants / lawn / garden
Arrange payment for bills falling due
Suspend deliveries / subscription services
Return library loans, DVD rentals
Notify credit & debit card issuers

Share itinerary, contact numbers with family / friend / neighbour
Store critical information securely online

Check-in online
Check weather forecasts
Check public transport links / book cab

LEAVING THE HOUSE

Set e-mail auto response, voicemail message
Adjust heating / air-conditioning
Turn off / drain water system(s)
Turn off / unplug appliances & equipment
Check the fridge for perishables
Put out garbage & recycling
Lock windows & doors
Check / set security & smoke alarms
Keep house keys secure but accessible

DOCUMENTATION
Tickets / boarding pass
Itineraries / reservations (hotel, car)
Passport(s)
Visa(s)
Driver’s licence(s), ID cards
Travel insurance
Health insurance
Prescriptions inc. glasses / contacts
Medications (name, dosage) & doctor(s)
Conference documents / tickets

Photocopies & scans of vital documents

Emergency numbers & online access details
inc. credit cards, banks, airlines, embassies
(2 copies, separate locations)

Family & friends: addresses, phone numbers, e-mail addresses

Travel card(s), passes, tickets, tokens
Printed route maps / instructions

MONEY

Foreign cash & coins (including stop-overs)
Small notes (inc. US dollars & Euros) for tips
Credit cards (at least two, in separate locations)
Debit / ATM cash card(s)
Cheques & cheque guarantee card
PIN / account numbers (encoded but retrievable)
Kitty purse & notepad for shared expenses

As one gets older hair starts to grow in places you never knew existed. As a mature adult, hair grows in your ears, nose and other unwanted places. I listened to Dr. Oz and he said to never just pull your hair out if the hair is in the nose area. I have tried a nose electric trimmer which works alright. Another way is to just use some small succors.

Having to shave gets to be a hassle and learning the easy ways to cutting unwanted hair is so beneficial. For me, I tend to forget about my nose and ear hair. Others notice, but I don’t for some reason. And just using your finger nails will not pull the hair out. Well it will work for your nose hair sometimes, but as far as DR Oz, doing this can cause health problems. I never knew this until I watched his television show.

Going bald is no fun either. I personally generally shave my head; however my employer doesn’t care so I just wear a hat. Losing hair and growing hair in unpleasant areas seems to go along with growing older.

I may when I get some extra money buy a pair of these vibram shoes. I had a conversation today with a guy wearing them and he really enjoys how confortable they are. They have even eliminated his back pain. This summer is the time to go camping and if you do go make a camping list. Also, buy the correct camping supplies because its not fun when you forget someothing.