Posts tagged "cars"

Godici-Tiganeasca

A song from godici called tiganeasca
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Duration : 0:5:0

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JUSTIN BIEBER ON XBOX!

Lolz i thought it was funny
activism, advertising, alcohol, alternative-news, ancient-history, animals, animation, anime, architecture, arts, astronomy, atheist, bizarre, blogs, books, buddhism, business, cars, cartoons, cats, celebrities, christianity, classic-rock, clothing, comedy-movies, comics, computer-graphics, computer-hardware, computers, cooking, crafts, crime, cyberculture, dogs, drawing, drugs, ecommerce, environment, fashion, fine-arts,

Duration : 0:6:59

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My Wife & Kids – The Fellowship Of The Baby (Part 1 Of 2)

When an overwhelmed Jr. thinks he is not smart enough to take care of his own son, Michael tells Jr. that “Jr., Jr.” is a “magic baby,” and that every time he holds him, it will make Jr. smarter. The ploy works, but in the process Jr. becomes somewhat arrogant with his new-found knowledge, so Michael brings Franklin in so that the two geniuses can match wits. Meanwhile, Kady catches Claire sneaking back into her bedroom after hours and threatens to tell their parents, unless Claire does some favors for her.

Duration : 0:10:31

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How to Win Your Man Back in Order to Have a Making Up Relationship With You?

How to Win Your Man Back in order to have a making up relationship with you?

Did something go wrong between you and your man? If you were well on your way to being a happy couple and then fell off track somehow, don’t give up. You can win your man back.

Steps

Ask yourself these 4 questions: Is the matter important enough to warrant an argument? Is it appropriate to argue about the matter, or at this time? Can anything be changed, made different by prevailing in the argument? Is the issue worth arguing about? If you get a NO answer to any of these questions, there is no point in arguing. Sometimes realizing there is no benefit to arguing is enough to eliminate the temptation to argue. (A mnemonic for this is “not even worth talking to.”) No Use to Me.

Stop caring about how people perceive you. The fact is, it really doesn’t matter. It’s impossible to be yourself when you’re caught up in wondering “Do they think I’m funny? Does she think I’m fat? Do they think I’m stupid?” To be yourself, you’ve got to let go of these concerns and just let your behaviour flow, with only your consideration of others as a filter—not their consideration of you. Act like there is something more important you could be doing at the moment. Find something else to do or to care about: We care about things not by their absolute importance, but by their relative importance in our lives. If you find something else to take front stage in your life, then other things will naturally take the backstage.

Develop and express your individuality. Whether it’s your sense of style, or even your manner of speaking, if your preferred way of doing something strays from the mainstream, then be proud of it. Keep an emotional distance, too. Mentally take yourself out of the situation. Let it be somebody else’s problem. “That’s not my problem” I don’t know that’s not my problem?

Word Power: What you say and how you say it are two very important factors in exuding class. Always speak at a soft to moderate tone. A loud talker can seem too forceful and may make others feel intimidated. If you have nothing good to say then don’t say anything at all – take that to heart! Cursing is also inappropriate and is very unprofessional in a business setting. Speak calmly. This shows politeness. If you talk very loudly, it will seem that you’re desperate for attention.

Act as if the person bothering you was Non-Existent.

Never smile or laugh, this shows that you hear what the person is saying!!!

Behave. It’s fun to be in a party and dance a lot, but that’s not always classy behaviour. If you’re at a party, the classy behaviour is to socialize, but speak calmly, not monopolizing all the attention.

Smile. Classy people must always seem to be in a good mood.  Show life goes on to different shit. Smiling. Learn to recognize when a discussion is no longer a discussion, but is escalating to an argument: Raised voices, flushed face or neck, hairs on the back of your neck stand up, feeling defensive. A good mutual discussion involves both sides listening and attempting to understand each other. Walk away from it not worth the arguing energy, it becomes irrelevant.

Analyse what happened and think about the reasons you still care, then think about the reasons why you shouldn’t care!!!! Avoid desperate behaviour like the plague. This is the kiss of death for the classy person. Only desperate times call for desperate measures. Take a deep breath, be strong, and move through the situation with elegance and grace. You will be the victor for it, no matter the outcome. Try not to listen too much to the content of what they’re saying back to you. Remember, they’re TRYING to push your buttons. Show them your better than them and you really cud care less about it! Say “that’s the thing” I don’t Feel anything it doesn’t have a significant purpose, reason or effect, well to me at least. Your loud, unimportant and your sweating me, like your on my heels.

Take some time to reflect on your own life. What improvements can be made? Be honest with yourself. Have you been selfish? Demanding? Argumentative? Angry? Jealous? Change your ways. Once you’ve figured out what you may have done wrong in the relationship, resist the urge to call the ex and show off your newfound self-realization. Actions speak louder than words. Just BE the new improved self, and word will spread.

Look and feel your best. Get your nails and hair done. Take a nice warm bubble bath, and pick out a nice outfit. Be sure of yourself. Assertiveness and self-confidence are naturally attractive to most people. Showing your guy you’re capable of being happy is appealing and brings a natural desire.

Anger, hurt and insecurity are the root of most insults. If you hurt someone, even unintentionally, they may respond with angry insults. Also, insecure people tend to call attention to the shortcomings of others (even if untrue) in order to cover up for their own perceived inadequacies. Don’t retaliate.

Walk away. If you’ve tried to figure out why this person is targeting you, and can find no reason, tried to joke with them to no avail, and they’re still bent on humiliating and insulting you, just leave. And until they pick a new target (and they will), avoid them. Laugh while you walk away showing that it’s not important to you at all.

Tips

Don’t keep coming back and don’t wait by making yourself available to him. You have a life, so live it! Some one else is out there right now waiting for a person like you. Don’t let your emotions get to you, because then he’ll win. Any performance that he gives is to catch your attention. So just smile and act like it doesn’t bother you if you see him making out with another girl. If your best efforts to take the wind out of their sails fail, warn others to expect random insults from that person.

Don’t take it personally. Some people are just mean. Mean people suck and have no true motives that concern me and everyone knows it. It’s them its not you.

Don’t insult them back. It just adds fuel to the fire. Keep a too positive attitude through everything; it looks like you don’t care about the whole situation. Don’t pass negative comments about what the person is saying, because that shows that you do, indeed, care?

If you’re asked why the guy/girl is acting like that toward you, say honestly that you don’t know. Doesn’t trash talk them to anyone? In that way, they look like (what they probably are) a loony freak, and you look like an innocent, injured person. If you have trouble ignoring drama, imagine you’re sitting in an airplane taking off, watching the cars and buildings get smaller and smaller. You are that small. You’re actually smaller. Your problem is only in your head. Imagine how small your head is compared to one of those cars.

Think about why others might be judging you. What must their lives be like? Are they envious of you, or even attracted to you? They might just hate you. Never mind these people; get them completely out of your life. Smirking, acting superior or completely ignoring them is probably not a good idea. Again, react with humour, it usually works best. If the insulter is just being nasty, then you can ignore them. Whatever you do, don’t act like it matters. This will make others think that you are willing to work with them, destroying any chance of being able to not care. It takes two or more to argue. By politely refusing to argue, you stay out of it. Don’t give a damn. Occupy yourself with something you enjoy; if you have a phone or Nintendo DS, play a game or write a message to someone. If you like to do crossword puzzles, do some. Go ahead!

Jealous people will try to bring you down to their level. Don’t let them. Remember you’ve got a lot going for you Period! In order for this to work, you MUST remain calm, cool and collected. Determine some activities you’ll do to help you to remain calm: my music and things that matter like my purposes. Smile! Frowning or looking timid will only draw more “non confidence” towards you. Smile at everyone you know or other friendly looking people. Remember you have just as much right to walk around as any other person. If you want them to know you are relaxed and carefree, glance every now and then at their eyes. Remember that happiness is the key to value. Enjoy your life as much as you can and make the best out of every situation. If you are truly happy, then other people won’t be able to bring you down with their judgements.

Finding happiness is the definition of success in life. Remember that the whole point of this article is to show others you are proud of yourself, and you don’t care what people perceive you as. You will gain high respect for being yourself and not trying to attach yourself to a group. People want a reaction. If you ignore them, they will realize it’s no fun to taunt and make fun of you. Show them you don’t care, and they’ll get the message. There is a difference between maintaining your inner-self and making a “reputation” for yourself. You don’t want be tacky and loud, argrumentative and miserable “SHOW PEOPLE WHO YOU ARE”, if they don’t like it, then who cares. Don’t go try to change yourself because a few people disapprove. Just smile as you walk by and just think if they are mean to me maybe they do it to make themselves feel better which means they’re pretty unhappy and of poor character.

Make fun of yourself in a humble and witty way to acknowledge that you’re not perfect and you don’t care. Replace your worries about what other people think about you with a preoccupation over your own goals, achievements, and progress!!! You mean more to yourself than you mean to others, it doesn’t matter to you. Don’t speak or act submissively – show to others that you are a wild spirit and you roam this good old world with pride, and will do what you want whether they like it or not. Don’t respect someone’s OPINION if that person is unkind and doesn’t treat you with respect – they don’t deserve it. Don’t try to get back at people, which just sink you down to their level. Ignore people who THINK they know more than you. DONT LAUGH, practice not thinking about the thing that bothers you, and take the criticism and humiliation in that’s the key point, DONT OPPOSE AND DONT GET EVEN, THATS THE KEY TO NOT CARING.

Warnings

Don’t get revenge by cheating yourself. Never tell your friends that you are having problems with your man because they’ll just end up interfering! Don’t respond to the content of their remarks. The less you say, the less likely you are to get drawn into an argument. Is it important? Ummm am Still Pretty, I Got Bigger and Better and not even worth talking to. Beneath me, not even onnnnn my level to begin with.

If you become angry, know that you won’t be able to think calmly, and you’ll probably say or do something you might regret. Words, once spoken, can never be taken back. The point is to show that I really don’t care about you, your nothing to me and your unimportant!!!! It not logic. Won’t even give you the time of day shorty, you’re a Nobody and I don’t care!!! Make sure you stress that you don’t care…..

DON’T laugh. When you see this working, you may be tempted to smile or laugh at the excitement of finally finding something that works. Don’t do it. This’ll just irritate the person and make it worse. Wait until you’re alone, and then enjoy the moment. “Have a pleasant look and be like, it doesn’t matter, and that’s it don’t keep going on and on say it and mean it by looking oh so happy and pleasant about it. A classy person is simply one who consistently exhibits classy behaviour. Focus on your behaviour and attitude rather than your feelings.

Don’t lose yourself when you’re with other friends. Be yourself. Don’t be someone else so other people will like you because, in the end, you end up hurting other people and “losing yourself”.

Indeed, life is short. Don’t let another day go by without taking a chance on happiness. You will never know until you try, so remember to make a move today. It can change or affect the rest of your life, therefore, at the very least, you can try to come out something for your ex love partner during your weekend plans. With a little practice, perseverance and patience, I believe that your relationship could be enhanced with the tips that I have shared earlier. If you have faced any problems with your loved ones, do not hesitate to visit this piece of article again.

I really have a strong belief that if you can understand what I have explained and applied what you have learnt from this piece of article, your problems can be eventually solved and your making up relationship can become more stable and stronger. I wish all the best for your making up relationship with your partner. Do always remember to spread word of mouth to your fellow friends for supporting the decision of having making up than breaking up.

Watch a video that shows you exactly what you must NEVER do, what you should do to get your ex back and why at http://hubpages.com/hub/howshouldiwoomyexback

Alternatively, you can visit this website Win Your Ex Boyfriend Back Website.

You will also learn how to reverse the situation if you have already done those things that should NEVER be done.

dhlim88
http://www.articlesbase.com/dating-articles/how-to-win-your-man-back-in-order-to-have-a-making-up-relationship-with-you-591287.html

Personal Property Taxes – Dealing The Indispensable Tax

Property taxes – this word id not new to anyone. We not only pay it on our house but also for the property it is located on. These taxes are usually very heavy, yet they depend on the size of your house and the value of the property it is located on. These funds are diversified to support your local government’s budget.

Coming to personal property taxes in the varied states, these are levied on the varied large items that you own like boats, automobiles, recreational vehicles, motorcycles, utility trailers, aircrafts, etc.

As paying the property taxes are indispensable, they are also important to you’re your Governments at large. But you must know as to how much you must pay and where the money paid by you being used.

Here are some points that would help you understand the personal property taxes better:

1. The personal property tax is assessed by the state in which your vehicle and/or the other items are registered.

2. All the states have different methods for calculating and collection of the tax.

3. For instance, at some states you have to pay property tax worth one year against the value of the vehicle as from the date of registration. There onwards you have to pay the property tax whenever you get your license plate renewed.

4. Another example states that the license plates are only renewed in January. In other cases, that is the other states consider the renewal date on the birthday of the person on whose name the vehicle has been registered. In such cases the personal property taxes are collected all round the year.

5. There are also instances when the states collect the personal property taxes only once each year. They send the tax bills to the residents inclusive of all the personal property they own at one time only.

6. The rates at which the personal property taxes are charged vary form state to state. One common factor is that they are all based on the values of the items registered.

7. In case of cars & trucks, the value on which the taxes are charged is calculated on the basis of the values given in the NADA blue book.

8. Generally in many states, the personal property tax is further used to fund the Department of Motor Vehicles’ budget, and also possibly the other local and state governments.

9. These taxes might also be diversified to pay the salaries of DMV workers along with the building space, other supplies, etc.

10. Unlike the above examples, in some states, personal property taxes –this term denominates the real estate property tax.

11. However, irrespective of the term or denomination, these taxes are quite different form each other and different in each state as well. Also, all these states diversify these funds quite differently.

12. The property taxes charged against the house and the other properties you own generally cater to the county and/or city government. These spend this money for the betterment of the society in the form of roads, schools, police support, local government, fire support, etc.

13. However, the individual needs to pay both the taxes that are city & county property taxes.

14. The property taxes paid against the boats, vehicles, etc. listed above, are used to fund the local government more often, not the state government.

Abhishek Agarwal
http://www.articlesbase.com/taxes-articles/personal-property-taxes-dealing-the-indispensable-tax-708494.html

In Massachusetts, what is the difference between a Sheriff, State Police, and City Police Officer?

It’s my understanding their roles are very different in other parts of the country, especially rural areas.

I see people speeding without care past Sheriffs but a State Police officer sees them, they are getting pulled over.

What’s the deal here in the Bay State? Thanks!

It depends on the county.

In Mass the state police do have a bigger role than in most states.
For most. not al counties, they supply the manpower and expertise for smaller towns and unincorporated areas. In other states that is usually done by the local county sheriffs office.

Take Suffolk (Boston area) the Sheriff can enforce all laws but the cars you see are usually just doing civil process, that is serving subpoenas and evictions and such, not enforcement work.
The sheriff also handles all of the court services (bailiffs) and jails.

The east coast states tend to have a bunch of different law enforcement jurisdictions, stuff left over from common law and colonial law days.

Cheap Race Car Alternative

Are you a long-time fan of those racing events and each time you get to see that parade of fully-loaded professional race cars, there is nothing you can do except stare jealously at them? Wondering when can you ever get yourself experience that special kind of feeling of having fun and excitement by racing with those high-end models of Volvo, Porsche, Mercedes, or perhaps that BMW car? All you can do is wonder now because you simply cannot afford them, right?

Now, how about an alternative? How about getting the same extreme fun and excitement, but without you getting too financially drained?

You may think this is impossible. After all, those full-geared race cars would cost you at least several thousands of dollars. But, the truth is, there are remote control (RC) cars you can utilize for the same racing spirit.

Now, thinking it is another impossible thing? As you remember, RC cars are those you played with when you were growing up. You remember the same cars attached to the control pad via wires and when you set it in motion, you would get the fun at a few mph.

Those RC cars are still in existence but not so small time for big boys. With the advanced technology always surprising us with things we never think would be possible now, there are now RC cars you can actually use for your favorite pastime. RC cars were produced with the exact replicas of those cars you desired most. And now, with the racing activities always seen as the automotive industry’s cream of the crop, gas RC cars are the cheap version. At a fraction of the cost, you can get the same exhilarating experience.

RC cars have been in popularity ever since and because of the many followers, there are clubs and associations formed that have led them to dedicate to RC car racing. Unbelievable still? Now, there are RC cars that participate to speedways and racetracks. If you have been longing to become a participant in a race, you can do so now without worries of money. Popular RC cars cost only a few hundred dollars. That makes sense for you, is it now?

Gas RC cars look exactly the same with those favorite racers. For the price of less than US$600, you get a RC car equipped with the same features and one that also reaches amazing speeds of over 70mph. If you like more, Dragsters are also out there for you. They accelerate a whopping 0 to 60mph in less than three seconds. A gas-powered RC car may take you just over US$300, but it would be sweeter to customize it with a fully functional spoiler, plus a custom paint job with additional little expenses on those.

If you want something more sensible, you can get one of those off-road remote control trucks. A family activity would be great with your RC car. Yes, just like with various options offered by the automotive industry, there are endless options for gas RC car enthusiasts. They attract all personalities and ages, because gas RC cars are the creations that all would surely appreciate.

RC cars are the well-loved gas-powered gas wonder. If you cannot wait to get a hold on those gas-powered race cars, you may start looking for one that would suit your need. You can get acquainted with someone who is into RC car racing for tips and tricks. You can also visit the website for endless information and update about these remote control cars.

NOVYAR

Novyar
http://www.articlesbase.com/cars-articles/cheap-race-car-alternative-718417.html

A Look At Some Of The More Promising Alternative Fuels

With so many countries cutting back on energy use, there are many governments looking for alternative sources of fuel, especially with the rapidly climbing gas prices. The US is working harder than ever to get other sources of power onto the market. Experts say that not only are gas (octane) fuels pollutant, but the supplies buried beneath the earth are dwindling quickly. Now, with the anxiousness of a fuel crunch looming over our heads, America is finally stepping up and trying to find some other way to fuel our mechanical marvels. Here are the top candidates for alternative fuel king.

Bio diesel is the result of the European effort to remove a considerable amount of the polluting attributes of diesel fuel. This has created a 60% reduction in hydrocarbons, a 40% reduction of carbon monoxide, and a 40% reduction in particulates. Bio carbon is produced from raw materials called feedstock. This material absorbs carbon monoxide in an amount equal to the amount the car using the fuel emits. With this new diesel fuel, diesel engines are working at 50% higher fuel efficiency than normal gas powered engines

Ethanol is, by far, the most popular of the alternative fuels. Ethanol has a very down home farm essence to it as it is made from starch producing plants like corn. Yes, corn is the fuel of the future, although some producers prefer sugar to corn in the ethanol making process. Today, most of the information you hear about ethanol is the E85 mixture, which is a mixture of 85% ethanol, and 15% gas. This alternative fuel can only be used in vehicles especially designed for them as well as vehicles that are 22 E85 compatible. Using ethanol can reduce smog production up to 50%, gas can’t say that much. Unfortunately, despite E85′s smog emission reduction it is still contributing to ozone depletion, although many experts disagree, and still others have no idea how it happens in the first place.

CNG, or Compressed Natural Gas, is another of the top candidates for the king of alternative fuels. In comparison to gas, CNG comes from domestic, not Middle Eastern Reserves, burns cleaner, and is cheaper. Unfortunately, vehicles that run on CNG require some changes which include: storing natural gas in pressurized tanks, burning the CNG with a modified combustion engine, and it is more economical than gas burning engines. Although, CNG cars emit fewer smog emissions than Hybrid cars, they release more greenhouse gases than Hybrid cars as well.

Besides these top 3 candidates for alternative fuel king, there are other less developed methods. There is liquid coal, which will be too costly to use. There is hydrogen fuel, which will also be costly, because hydrogen isn’t naturally found. Fuel cell technology, which sounds a lot like Star Trek, is light years away from being developed. As of now, the hybrid vehicle is probably your best bet as far as fuel efficiency, and fuel alternative. Unfortunately, it doesn’t cure us of our dependency on gas. The king of alternative fuel may soon be crowned, but that soon is far away.

Gregg Hall
http://www.articlesbase.com/automotive-articles/a-look-at-some-of-the-more-promising-alternative-fuels-71694.html

How To Improve Air Quality With Alternative Fuels!

The market of alternative fuel sources is larger today than it has ever been before. Alternative fuels are materials that are rich in energy and that can be used instead of traditional gasoline. Biodiesel, ethanol, hydrogen, methanol and propane can be used as alternative fuels as they contain much less harmful substances.

Using various types of alternative fuels can also help to reduce dependence on imported gasoline and improve air quality.

Alternative Fuel Conversion and Fuel Economy

Alternative fuel conversion system means both fuel economy and environmental benefits. Exceptional technical characteristics of alternative fuel converter AutoFFV allow your car to operate using ethanol fuel, gasoline or a mix of a both (E85 fuel).

The Benefits of Using Alternative Fuel Conversion System:

Savings on fuel costs.

Reduced engine corruption and servicing costs.

Vehicle originality is kept.

Most of gasoline cars can be converted to alternative fuels with no need for a new or replacement engine. Other benefits include total elimination of smoke. It also contributes to a quieter and smoother running engine. Besides the environmental benefits, combines high performance with economy, making it the best current alternative to gasoline fuels.

Alternative fuel converter will suit most of vehicles with digital multipoint electronic injection, including imported ones. It can also be removed anytime.

Make your car more valuable and powerful using alternative converter system.

What is E85?

E85 is the term for motor fuel blends of 85 percent ethanol and just 15 percent gasoline. E85 is an alternative fuel as defined by the U.S. Department of Energy. Besides its superior performance characteristics, ethanol burns cleaner than gasoline; it is a completely renewable, domestic, environmentally friendly fuel that enhances the nation’s economy and energy independence.

Today, the U. S. imports more than half of its oil and overall consumption continues to increase. By supporting ethanol production and use, U.S. drivers can help reverse that trend. 85% ethanol can reduce pollution. Government tests have shown that E85 vehicles reduce harmful hydrocarbon and benzene emissions when compared to vehicles running on gasoline. E85 can also reduce carbon dioxide (CO2), a harmful greenhouse gas and a major contributor to global warming.

Although CO2 is released during ethanol production and combustion, it is recaptured as a nutrient to the crops that are used in its production. Unlike fossil fuel combustion, which unlocks carbon that has been stored for millions of years, use of ethanol results in low increases to the carbon cycle.

Ethanol also degrades quickly in water and, therefore, poses much less risk to the environment than an oil or gasoline spill.

Vidar Lura
http://www.articlesbase.com/automotive-articles/how-to-improve-air-quality-with-alternative-fuels-76209.html

Viaticals- a ‘dark Alternative’ to Shielding Survivors From Credit Challenges of Medical Collections & Judgments

With accelerating medical costs the tab can be run up fairly quickly. Any savings or even health insurance may not be even close enough to meet the burden. Home equities can be quickly squeezed and exhausted. The terminal patient (this could be someone severely over weight-family history of heart disease as well-etc.) never intended to leave loved ones holding the ultimate financial bag. It just happens. As thoughts of Ralph Edwards the former host of “This Is Your Life” play out in the brain the mind may race ahead to the final act leaving loved ones to deal with the financial aftermath of this “life”. The obituary might read “He was a great guy/gal, but left his family and loved ones with a ton of unpaid debts.” An alternative for a terminally ill patient (or could be medically challenged and not able to work) may be a “Viatical”. If there is a term life insurance policy or better, such as whole life, universal life, annuity etc., in place or even a paid up policy or one that has monthly payments being made this could quality for the Viatical vehicle.

This then is the ultimate and final use of a handicapper. When life policies are taken out actuaries make a bet when a person is going to die based on their medical history, age, weight, health levels, occupations, smoker, non-smoker, etc. Later on, if the need arises, another handicapper can enter the scene. It is by request only. Viaticals are based on handicapping the rest of a person’s life based on the medical and such to determine by guessing when death might arrive. An investor will bid on a discounted basis on the face amount of the policy to give the insured and beneficiaries cash right now. A terminally ill patient may want to get their financial affairs cleaned up before dying so as not to stick love ones with a financial disaster. This comes home to anyone who in addition is dealing with the terminal illness but may be facing foreclosure from their home, cars repossessed, credit that has long since gone down the drain and a whole new layer of stress in the circle of concerned and effected loved ones. What to do, ride it out and let the chips fall where they may, OR make an effort to get it handled now and bring some peace to everyone by taking care of the financial affairs before death. Yes there will be a substantial reduction in the face value of the policy by taking a cash advance now, but it may save a lot of pain for immediate survivors. This is not for everyone. Obviously, if there is no life insurance policy in place for the terminally ill patient, this will not be an option.

When Groucho Marx was host of the “You Bet Your Life” game show, it was a very funny game show. This, however, becomes the ultimate “bet” for an insured life and certainly it’s not too funny, but it represents one alternative. On the one hand the beneficiaries of the policy want the absolute most possible cash versus the face value of the policy, whereas the investor doesn’t want to pay too much if the terminally ill patient makes a miraculous recovery and the return to the investor is delayed by years. So the arm wrestling is engaged and negotiations are mounted. Medical histories and doctor input (with the patients written permission) together with the life policy product are all utilized to come up with a number. Decisions have to be made. Is the cash enough or should the premiums be maintained (if required) and let nature take its course. It’s a delicate balance between patient needs and cleaning up ones financial affairs before death. This ‘Dark Alternative’ has received massive negative press. Investigations were initiated against some of the handicapper players for taking advantage of the life policy insured, which were perceived to be the most vulnerable. However, would it be better for the family to be set out on the curb when the sheriff issues the final eviction on the foreclosure? Would it be better for the family cars to be repossessed for non-payment? Would it be good for survivors to have wages attached through garnishment? Talk about life interrupted, this is a major stress magnet for all parties involved not the least of which is the insured. So who is to question, if someone is willing to pay cash now for a future benefit. Even multi-billionaire Mr. Warren Buffet was a player in Viaticals for a time. It’s not like there is only one place to go. An insured can select the highest bidder from a whole host of interested parties. Search any online engine and there they are.

After receiving the cash for the life policy the Viatical owner/investor will make any needed payments on the policy to protect their vested position. The insured is relieved of making any additional payments for the rest of their life or when the term of the policy expires such as a stated term policy with conversion priveleges. Here is an example how this might work. These are online publicly published numbers, we can only assume they are true. Source: CIGI Direct (Not an endorsement). The discounts are deep but immediate cash is generated. Each case will totally be different. This is just cursory examples.

Female: 77 (Very Good Health) Male: 68 (Bypass History)

Policy Type: Universal Life Policy Type: Convertible Term Life

Face Amount: $750,000 Face Amount: $200,000

Cash Value: $102,287 Cash Value: $0

Life Settlement to Customer: $137,000. Life Settlement to Customer: $40,500.

Male: 56 (Prostate Cancer History) Male: 66 (Very Good Health)

Policy Type: Convertible Term Life Policy Type: Convertible Term Life

Face Amount: $1,500,000 Face Amount: $1,000,000

Cash Value: $ 0 Cash Value: $0

Life Settlement to Customer: $360,000 Life Settlement to Customer: $24,650

These are just a few examples only. Again, each individual case is different. Each investor in a Viatical will handicap (underwrite) it differently. Consumers need to be aware and shop for the best offer. A focused effort of nailing a good cash settlement through using a Viatical settlement won’t make a day or two difference so a consumer needs to get as many quotes as possible. Once one accumulates the revenant data, it can then be presented to multiple buyer participants who may have an interest. Then with a price settled, papers are signed and a cash transfer is made. Obviously, establishing the correct identification of the insured and determining a valid enforceable insurance contract will need to be verified and proved. There is always the possibility that someone in one’s family or circle of friends may beat the bid and take a position in excess of the highest bid. You never know. It would be worth while to at least inquire. This is no time for family secrets here with the grim reaper lurking about. If a family member can help out in this situation that would be great. They might as well as benefit as opposed to a stranger corporate investor. In this case there could be some mitigation and resolution after death IF the family member would choose to share. Dealing with a company or investor, there would be ZERO chance of that.

In conclusion, this is just another tool to help in credit situations where there are little choices and alternatives. It would be great to be flush with cash, full insurance, huge investment portfolios and such, but some just don’t have it. If there is life insurance place in place and there no other valid alternatives, Viaticals can be an option to consider while Bankruptcy and other options will not work. The ‘Dark Alternative’ can lead to comfort for all parties in the death process, which is all part of life. It may ensure a sense of “Death With Dignity’.

Dale Rogers

www.brokencredit.com

Dale Rogers
http://www.articlesbase.com/loans-articles/viaticals-a-dark-alternative-to-shielding-survivors-from-credit-challenges-of-medical-collections-judgments-120176.html