How Does a Complete Life Insurance Policy Operate

27 Dec

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How exactly does a complete life insurance policy operate? Complete life policies are popular with some choose groups of men and women but they are a small bit much more complicated than their plain vanilla effortless to comprehend phrase life insurance counterparts.

The organization of insurance has to be a single of the most underrated solutions offered in the United States these days. Not a lot of people consider getting life insurance is essential and since of this we see that the industry is not as successful as the auto and property owners insurance organization. It is critical to know nonetheless, that death comes at any age and if a particular person wants to shield their family or other folks following their death it is imperative for them to obtain a life insurance policy.

There are two simple sorts of life insurance in the United States that work in fully different approaches and due to the fact of this have different premiums. 1 of these varieties of insurances is 1 that is named a temporary policy. This policy covers a policyholder for about 5 to 30 years and their premiums are most of the time stagnant. On the other hand we have the permanent policy in which members are covered for life as long as they pay all their premiums. Portion of your premium will go toward a tiny saving portion of the policy that will accumulate more than time and the other portion of the premium goes towards the insurance cost of the death benefit.

Entire life insurance is 1 of the 3 types of insurance polices that you can get if you want a permanent life insurance policy. This implies that whole life will cover you for life and that your cash worth (saving portion) will get greater as time goes by. Nonetheless, complete life is distinct in that your money value is tax deferred till the beneficiary withdraws it and you can also borrow against it.

A particular person must think about complete life insurance when the need for coverage is lifelong. Whole life might be utilised as part of your estate organizing because it accrues income after a individual pays the premiums, as pointed out just before. Due to the fact premiums for this variety of policy are a lot higher than those of temporary policies, a person ought to know that this is what they want right after all. Complete life is a great decision if you want to make confident that your loved ones or dependents have a great life immediately after your death, and that the transition from the death of a person close to their lives is a close 1.

Inside the complete life realm, there are six different sorts that a individual can decide on from.

1. Non-Participating Whole Life Insurance: This type of whole life policy has a leveled premium and a face quantity through the whole policyholder’s life. Given that the policy has fixed expenses the premiums will not be essential high, but it will no pay you any dividends following the policyholder dies.

2. Participating Entire Life Insurance: This variety is considerably diverse from the initial variety mentioned. 1 of its differences is that this a single does spend dividends and simply because of this premiums can be stated to be a small bit much more costly. These dividends can be utilised to lessen your premium payments simply because they can be paid in cash, they can be left to accumulate at a specified rate of interest or they can be utilised to buy additional insurance which in turn will increase the value in cash that a beneficiary will get after a policyholder’s death.

3. Level Premium Complete Life Insurance: This kind of insurance is 1 that has the exact same premiums with no considerable drop or rise in the income paid month-to-month through the whole life of the policy. At first the premiums will be enough to cover the services provided and a small portion of it can be put away to cover the premiums that will come in later years when the price of insurance in the industry rises. The insurer can also spend extra premiums that will go toward the money value element of the policy one particular the policyholder dies.

4. Limited Payment Entire Life Insurance: This is the type of policy that will let you to only pay premiums more than a specified period of time. This signifies that if you only want to pay premiums for about twenty to thirty years or up till age 65 or 85 this is the variety of policy that you want. Because premium payments are going to be paid over a specified period of time, your premium payments will be substantially greater, but immediately after you get accomplished with them you will be covered for life.

5. Single Premium Whole Life Insurance: This type of policy is one particular that is really frequent for men and women that select the entire life insurance type. This is a limited policy with a single reasonably huge premium due at issue. Due to the truth that the owner of the policy will spend the single premium payments when the policy is initial signed, the life insurance policy will immediately have cash and loan worth! This sort of entire phrase life insurance is mostly an investment oriented variety than some of the others.

6. Indeterminate Premium Complete Life Insurance: This is the simplest sort of entire life policy to understand and also 1 of the most typical ones in the life market place. With this insurance the business will give you a premium based on how the organization is doing economically and on expense fees. This implies that whilst a single year the premiums can be slightly reduce than expected, in the next the company can charge much more if they are not undertaking up to expectations. It is also excellent to note that there is a maximum guaranteed premium when you initial sign your policy and that the life insurance organization can never ever charge above the premium stated

While the cost of complete life coverage is substantially greater than a term life policy with the same death benefit it is essential to maintain in thoughts that the reason for the distinction in price is that the death advantage for the complete life policy will nearly undoubtedly be paid out – following all everybody dies sometime! With the term policy of program the insurance firm is counting on not paying the death benefit out on more than 90% of the policies it problems.

The situation of life insurance must not be taken lightly if one has a family members or dependents. Even though some men and women in the United States are fed up paying all the distinct sorts of insurances and they figure that they never need to spend added for life insurance when they are young, it is essential to comprehend that life insurance can be a life saver after a family members member, husband or parent dies.

Whole life insurance covers you for life and it will allow a beneficiary to continue life only possessing to cope with the problem of death and not obtaining to be concerned about the economic hits that come with it. Life insurance policies are a need to for anybody that has someone that relies on them for help and it really is time for all accountable Americans to understand that.

10 Responses to “How Does a Complete Life Insurance Policy Operate”

  1. Milan February 10, 2013 at 8:29 am #

    Me and a couple of my friends will be travelling to the US when we have completed university and its gonna be a massive trip driving from houlton, Maine all the way down the I95 (stopping at various places new york, washington and ill be also travelling to milledgeville, GA to see an old friend) we will then end up in orlando/daytona not sure yet, where we will stay for a week or 2, next we travel through alabama to nashville, TN then on to memphis, TN through arkansas to oklahoma city then from there come back on are selfs through missouri into kansas city thenn we will go to perry, ks then non stop to denver to see another friend of mine, through the rockies into utah, then salt lake city and through navada all the way down to los angeles. its a massive undertaking but we really want to see more of the us and thinking about doing this over 4/5 months. Can i buy a car there and will they let me get insured? will i need a US driving license, i dont want to rent as they wont let me drive all that way lol Ive been to the us soo many times i know people from all over (Oregon, florida, new jersey, colorado, north carolina, georgia, tennesee and california not mentioning people from canada i know.) i probably know more people from different states then a US national.

    Sorry for the life story 🙂

  2. Shanelle March 3, 2013 at 3:37 am #

    i want to know more about mallassurance a concept which has been introduced by future generali…..i want to know its benefits and everything in detail……

  3. Ruben March 26, 2013 at 4:15 am #

    Date: Mon, 28 Jul 2008 15:09:32 0700 Printer Friendly Version
    From: Recruitment TexacoOil
    Subject: Texaco Online Employment system
    Language Mail Full Headers

    Dear Abhijit Murlidhar Naralkar.
    Thank you for contacting us. Please be informed that you have been automatically employed by TEXACO Oil Group London and we are proud to notify you that your experiences and qualifications where found suitably qualified for the requirements to work in our company.You are to resume work within 50days with a monthly salary of £7,500. Therefore, your two years contract document will be signed as soon as you arrive London. Your work permit processing number is 532#, date of issue is 28th July 2008, and length of issue is 2 years. A hard copy of your employment letter has been sent to the United Kingdom Immigration Service London. Therefore, you are required to officially and immediately contact the United Kingdom Immigration Service London to apply for your work/residence permit papers and residence visa to United Kingdom, as we have made a contract agreement deal with them to process your work permit/residence visa within the period of 50 days for your work resumption in TEXACO Oil Group London. Your designation will be to work as an Administrative Officer in the customer service department in UK where you will operate the switchboard and direct calls appropriately, thereby providing company marketing informations on stocks to clients or customers willing to invest on Company products.

    Also note that you will undergo a three months course in TEXACO Oil Group London with a monthly income of £7,500, so as to be enlightened on company rules and regulations, departmental schemes/facilities in various sectors and project activities carried out by TEXACO Oil Group London. Lecture on matters concerning your duty as a Administrative Officer will as well be conducted for broader understanding of your position and responsibility in TEXACO Oil Group London.

    Therefore, your visit to London will be under the job position offered to you as a Administrative Officer regardless of your qualification/experiences and you can be privileged to gain another position within 3 months of the first visit to London, on your choice sector of work or area of choice duty especially if the Management of TEXACO Oil Group London recommends of your efficiency on duty. After your three months course study period, you will gain a level promotion in which you will be given the privilege to work in any of the TEXACO oil, gas, industrial resources that suits your area of course study with a higher monthly income in TEXACO Oil Group London.
    We provide a lot of free services to our staffs and such services includes;
    . Quality single or family housing in company community/staff quarters.
    . Personal effects shipment and excess baggage allowances.
    . Access to some of the finest social and recreational facilities in London.
    . Free medical care in TEXACO Oil Group London for you and your family for contract duration.
    . Company Suits and free dry cleaning
    . Excellent educational assistance benefits with family status.
    . Complete meals also for you and your family as deemed appropriate.
    . Life insurance Policy.
    . Maximum and efficient security both in work place and housing Community.

    According to the recruitment process as used on your behalf, there will be no interview until you are in London. Your interview will be conducted as an exam which you will sit for after you have undergone and worked with us for three months. This is part of your course study exercise and if Texaco Oil Group London discovers that you did not make good grade after your three months course study, you will be retrenched from working with us and will go back to your country.

    As an employee, your working hours shall consist of 48 hours a week, 6 days a week, Tuesdays to Sundays and from 7:30am to 3:30pm, 3:30pm to 11:00pm or 11:00pm to 7:30am between weekly shifts. There shall be 1hour lunch break: Timing shall be agreed with immediate supervisor.
    You are also entitled to 3 weeks paid holiday per annum. At the end of one year service, an extra days holiday entitlement is given – followed by a further one day holiday entitlement for each of the next year service: bringing maximum holiday entitlement to two (2) weeks. This depends on your agreement to continue working with the Company.
    In all but one instance, You must report any grievance to the immediate supervisor. Where and only where, the grievance is with the immediate supervisor, you can make his grievance known to the immediate supervisor at your TEXACO Customer Service Management Department.

    Please note that you are advised never to go to your country Embassy or Immigration Service for information on the processing of your residence papers/visa to United Kingdom to start work with Texaco Oil Group London because we did not sign any contract agreement with them to procure you a work permit/residence papers/visa to United Kingdom neither where they given any authorization to procure these documents for you. But your country embassy will be contacted by the United Kingdom Immigration Service London immediately after your residence papers/visa and work permit documents are processed and registered with your country Boarder Agency so as to pass your residence papers/visa and work permit clarifications when presented and allow you free entrance to United Kingdom. You are advised to contact the United Kingdom Immigration Service E-mail information below so that they will start processing your work permit/residence papers/visa to United Kingdom. Moreover, work permit documents are only procured in UK and without it, you cannot be allowed entry to visit London as a Texaco employee, that is why your residence papers/visa and work permit documents will be procured in London by the United Kingdom Immigration Service London.

    Contact Office:Migration Expert London
    Address: 4th Floor, 153-155 Regent Street London W1B 4JE
    Registered Migration Contact Number
    Tel:…………………….. …. 447045739585
    Tel………………………….. 447035903332
    Fax……………………… … 447005-964-173

    At the end of every 2 years section working with us, your contract agreement can be renewed if you wish to continue working with TEXACO Oil Group London.
    Also be informed that other formalities concerning your employments will be done when you are in London.

    You can learn more about Our Business and Our Community by visiting these links.

    Texaco/Chevron Downstream Europe
    1 Westferry Circus Canary Wharf
    London E14 4HA
    Tel: 00 44 (70) 4573 9577

  4. Berry April 9, 2013 at 1:02 am #

    Using the information provided for Florek Industries Inc.. answer questions 4 through
    10 (round all calculations to the nearest whole dollar) and ignore income taxes.
    Florek Industries Inc.was incorporated March 1, 2008. The cash activity transactions
    since the date of incorporation have been summarized as follows:
    Receipts from customers $80,000
    Government incentives received 8,000
    Cash investment by Florek shareholders 60,000
    Bank loan proceeds 50,000
    Wages paid to employees $38,000
    Interest paid 1,937
    Cash refunds to customers 900
    Paid to Mr. Florek for salary 12,000
    Paid to suppliers for inventory 42,500
    Insurance premium paid 6,000
    Paid to landlord for rent 30,000
    Purchase a 3-year term deposit 10,000
    Paid for equipment purchase 15,000
    Other operating expenses paid 6,000
    Other information for the first year of operations follows:
    1. Sales invoices (not including refunds or returns) for the year total $150,000.
    All sales are on account.
    2. The total cost of the equipment was $32,500; and was paid for with a cheque
    in the amount of $15,000, as shown above, with the balance to be paid in 5
    years. This note requires quarterly interest payments based on an interest rate
    of 5.00%. The purchase was made June 30, 2008; and the note is not shown
    above as management was unsure how to report this amount as no cash was
    received or paid.
    The equipment itself is estimated to have a 5-year useful life, and no residual
    value. It is to be depreciated using the straight-line method.
    3. The insurance premium was for a two-year policy with coverage beginning
    April 1, 2008. The premiums were paid on March 15, 2008.
    4. The 3-year term deposit was purchased on September 1st. This deposit will
    earn 4.00% interest for each of the 3 years, with the interest being deposited to
    the company’s bank account on each anniversary date.
    5. As of the end of the year Florek management estimates that the following
    amounts were outstanding at year end:
    a. Utilities $6,000
    b. Inventory suppliers $4,000
    c. Other operating costs $5,000
    6. Inventory on hand at the end of the year is estimated to be $8,000
    7. Rent payments include rent for the last 2 months of the two-year lease. The
    lease term is from March 1, 2008 to February 28, 2010.
    8. $40,000 of the cash invested by the shareholders was used to purchase 100
    common shares of the company. Any unallocated amounts received from the
    shareholders are to be considered as a non-interest bearing loan from the
    9. The bank loan proceeds of $50,000 were received on June 30, 2008. The
    interest rate on this 1 year loan is 6.00%; with interest payments due semiannually.
    10. The employees last pay date was December 24, 2008 for work completed to
    that date. The next payroll will be January 7, 2009. Average weekly payroll
    is $6,000.
    11. Florek Industries Inc. has a fiscal year end date of December 31st.
    4. What is the total net revenue earned from customers for the year ended December
    a. $ 79,100
    b. $ 178,000
    c. $ 87,100
    d. $ 149,100
    5. What amount should be reported as depreciation expense on the income
    a. $3,250
    b. $1,500
    c. $1,750
    d. $6,500
    6. What amount should be reported as Interest Revenue for the year ended
    December 31, 2008?
    a. $133
    b. $120
    c. $200
    d. $400
    7. Assuming no further borrowing, what will be the interest expense reported in
    a. $2,375
    b. $1,938
    c. $7,750
    d. $ 3,000
    8. What amount should be reported as Rent Expense for the year ended December
    31, 2008?
    a. $30,000
    b. $35,000
    c. $25,000
    d. $20,000
    9. What is the amount of total liabilities that should be reported on the December
    31st Balance Sheet for Florek Industries Inc.?
    a. $ 88,500
    b. $ 90,500
    c. $108,500
    d. $ 93,500
    10. Ignoring your answer from question 4, assuming net sales for year are $94,250
    what amount should be reported as the Gross Margin?
    a. $51,750
    b. $55,750
    c. $46,950
    d. $63,750
    e. $39,750

  5. Maud April 9, 2013 at 8:17 pm #

    My teacher has written a proposal for gun control and we are trying to get the word around. Here is his idea:
    Common Sense Gun Control Legislation Proposal
    While the pundits debate the issue of gun control in light of the recent massacre at Sandy Hook Elementary School one of the major points that have been left out of the discussion is responsibility. With the gunman being dead as well as the gun owner, his mother, who unwittingly provided access to a mentally ill individual; who now takes responsibility for the multiple loss of lives and tragic psychological aftermath? For too long these events, dramatic as they are, and those that happen in isolation on the urban streets of America, that do not rise to the level of national media attention, yet having the same effect and lacking a responsible party that makes amends. The criminal justice system has not been able to offer the level of responsibility necessary to offset the grieving parents, friends, and relatives of those who have been victims of such violence. Therefore, to curtail this type of violence, while not tramping on the second amendment rights of those who choose to own, trade, sell, and use guns, responsibility is the only viable options to ask of them.
    Homeowner are responsible for carrying insurance on their home to protect the finance company from harm when something happen to the home while it is still mortgaged. They must carry this insurance throughout the life of the loan. This insurance allows protects the home owner in the event that an non-occupant suffers injury on their property, for whatever reason, recognizing the homeowner’s responsibility to maintain their property and prevent harm to other as a result of their ownership.
    Automobile owners carrying, at a minimum, liability insurance on their vehicles to protect the finance company, other drivers, and pedestrians from harm, in the event of an accident, that is the owner’s responsibility. They must carry this insurance throughout the life of ownership or suffer a penalty, if they forego their responsibility.
    Doctors must carry malpractice insurance, while practicing in their profession, to protect the trusting public from those operating with disregard for established medical practice or error resulting in harm to individuals who trust that they will do their best to protect them from harm, thereby acknowledging responsibility for their actions that lead to harm or injury to others.
    The point therefore is that gun owners and manufacturers by extension must be held accountable for loss of life, personal injury, and loss of income that results from injury from guns that are their right and responsibility to own and manufactures whose guns get into the public at large without ownership attached.
    How do we achieve responsibility and common sense gun control balance against one’s second amendment right?
    1. Insurance companies should develop a Gun Owner’s liability policies, similar to automobile liability insurance that compensates victims and their family members’ loss and injury, if the owner’s gun is used in any incidents that results in loss or injury that is not within the strict limits of their constitutional right of protecting their home.
    2. Policies develop by the insurance industry should have various tiers of ownership, such as, assault Rifles purchased, one level of liability, assault rifles purchased with high capacity magazines or bought later, another level of liability, automatic hand guns, automatic hand guns with modified clips, revolvers, and rifles for hunting.
    3. Bullets should be taxed based upon the structure of liability mentioned in point number two. Assault rifle and cop killer bullets, one rate, and all other taxed at another rate. This will increase the revenues to the government, states, and cities for gun education and enforcement of insurance or confiscation of guns not found in compliance. If cigarettes and alcohol can be taxed as a threat to Americans, so can bullets.
    4. Straw sells of guns that are not recorded or the liability insurance not required by any one selling a previously owned guns results in the liability coming back to the original owner.
    5. Guns should be required to have se
    several different methods of identification that allows tracing back to the original owner. Those guns that are not able to be traced back to the original owner due to manufacture non-compliance should be the responsibility of the manufacturer who also must have blanket liability insurance for every gun produced until sold at the wholesale or retail level.
    6. Guns stolen from an owner’s home, although reported do not divorce the owner from liability for its subsequent use that causes injury or loss of life. The owner still has to carry liability insurance until the gun is recovered or destroyed. Failure to maintain the insurance results in personal liability that can be perused in civil action without caps, and if they are a homeowner that policy be
    becomes liable.
    7. Collector’s must also carry another level of insurance that contains restrictions for display, such as, no firing pins in weapons on display and an escalation clause for not abiding by the restrictions and the ultimate use of the gun that results in injury or loss of life.
    8. Current gun owners should be subject to liability insurance as well, no grandfathering of their firearms should be allowed.
    9. All gun, ammunition, and magazine sells should accompanied by a paper trail and forwarded to the Bureau of Alcohol Tobacco and Firearms until a national data base can be developed to record such sells at the point of origin. Sell can then be tracked for anomalies, such as excessive purchases and stock piling.
    10. All gun owners should be required to license themselves through their respective states with the licensing being subject to renewal every five years or whatever length of time driver’s licenses are required.
    11. License renewals should be subject to cross

  6. Marhta April 15, 2013 at 7:27 am #

    Jay, age 27, and Mary, age 25, were recently married. Jay has just become a CPA and is working for TaxFast as a tax preparer and staff accountant. His annual salary and bonus is $50,000. Mary is a high school teacher, earning $35,000 per year. They have recently made an offer, which was accepted, on a home costing $200,000. The couple has obtained a commitment from a lender for a loan of $190,000 on a first mortgage with a fixed rate for 30 years and a second mortgage for the remaining $10,000 which will be repaid in 5 years. The home is new, but the basement is unfinished. Jay and Mary plan to finish the basement over the next 2 or 3 years as time and money allow. Both are very capable of doing the finishing work without hiring outside help. It is anticipated the materials cost will be $20,000, and the value of the home will increase $30,000 when the finishing is completed. The couple plan on having two or three children over the next 10 years. They assume the children will go on to 4 years of college.

    Mary owns a 2007 Chevy HHR with a loan of $9,000 and Jay owns a 2006 Saturn with a loan of $5,000. Both have excellent driving records.

    Mary’s employer provides a Cafeteria Plan with choices of benefits including life insurance, single health insurance, dental insurance, long term care insurance, long term disability insurance, daycare, and 401K. The employer will pay the cost of any two of the benefits, and if she desires more benefits, can purchase them.

    Jay’s employer provides family health insurance, family dental insurance, and 401K. Long term disability insurance and long term care insurance can be purchased.

    Other facts to consider:
    Student Loans: Jay $25,000, Mary $15,000
    Home is not in 100 year flood plain, but area was flooded in severe flood of 1997
    Lender does not require flood insurance, but premium would be $300/yr
    Rate for H03 homeowner policy $1,260 per year. If replacement cost coverage
    on contents is purchased rate is $110 higher, replacement cost coverage
    on house would be an additional $200
    Rate for liability insurance on autos $240 per year each, $100 deductible
    comprehensive and $250 deductible collision $310 per year each; $250
    deductible comprehensive and $500 deductible collision $240 per year
    Life insurance rates per year(rate same for Jay or Mary) (must add $50 policy discount fee to each policy)
    30 year decreasing term $.75 per thousand
    20 year level term $1.25 per thousand
    Annual renewable term $.60 per thousand
    Whole Life $3.10 per thousand
    First to die coverage 20 year level term $1.75 per thousand

    Jay and Mary are your friends and ask your advice concerning a possible insurance program to protect them. They are dealing with an experienced insurance agent, but would like your input. Consider and discuss the following based on the above facts and your knowledge of insurance and risk management:

    1.How should Jay and Mary structure their benefits from their employers?

    2.What coverage’s would you recommend for auto insurance?

    3.What coverage’s would you recommend for homeowner and flood insurance?

    4.Would you recommend life insurance, and if so, explain the type(s) of policies
    and amounts you would suggest.

  7. Chauncey April 30, 2013 at 8:55 am #

    I was reading answers regarding Primerica and I ran across this answer from

    I’ve been in Primerica since 2004. When I sell a life insurance policy, I get paid once. Commissions is base off of 1 full year of premiums. If the client cancels during the first 12 months, you will get a chargeback. You will either have to pay that commission back to the company or make new sales to cover it. I think all companies operate this way.

    If the client pays for the 2nd year, which about 70 to 80% of your clients will do, you won’t get paid on that. You will get paid if the client renews the policy, which will be a long wait since most policies you sell will be 20 year or 30 year level term.

    If you get your securities license, you can earn monthly income by helping the client invest. You will get paid when you accumulated at least $25 in earnings (the company doesn’t pay checks that are smaller than $25).

    Every single client of mine own term insurance and invest on a monthly basis. I’m not sure how many clients I have, but the income I earn from investments is about $2000/month. I have many clients that invest on a monthly basis. If you understand dollar cost averaging concept, you will see why its very smart to invest monthly. I put away $415/month into my Roth IRA, which is invested in several mutual funds. Most of my clients invest $25 to $100 every month.

    I wanted to know if others have used this strategy to make money with Primerica and could give me more specifics such as the number of clients it might take to do what this person did?

    I would also like to know of other ways that people have made money with Primerica. If you have a negative response; please don’t reply.

    Also if, sees this question I would appreciate any additional comments.

    Thank You.
    Business & Finance > Insurance

  8. Yu May 2, 2013 at 7:37 am #

    I now live in an old coal-mining town (the mines closed in the 1930s or thereabouts). There used to be open shafts in the old mining sections, but those have either collapsed or been sealed shut. However, there are natural caves in the area as well, many of which are within a mile or so of the Quemahoning Dam in SW Pennsylvania. One of these I’ve explored appears to have a man-made shaft branching off from it (there are wooden support beams, so it’s not just a coincidentally square extension of the cave proper) – I presume it was an exploratory shaft of some sort, and deemed to be of no use because it’s not very well-developed.

    There are signs of past flooding (but I don’t think it was recent), but it looks otherwise structurally in-tact. I think we all dream of “secret lairs” of our own. 😉 I doubt this is sufficient for such a thing (no real proper ventilation for any long-term habitation). However, one can’t help but to wonder. :-# How long might such a thing last without regular professional maintenance/inspections to keep it officially up-to-code? 😕

  9. Kip July 27, 2013 at 4:20 pm #

    My family lives in Katy, Tx and even if Gustav does come in our direction we’re not going to evacuate. We have family (grandparents) coming to stay with us from the Beaumont Area. I’m pretty nervous from what I’ve read. We’ve got food, water, flashlights. My parents aren’t worried about it much… but I am getting anxious. I don’t want to get caught in the storm unprepared so what should we do to prepare?

    Thanks, this is much appriciated!!!!

    ***When I said that we’re not evacuating if it comes our way, I meant that we’re not leaving unless it gets to be deadthy strong, or mandatory evacuation is issued. (or maybe even only a suggested Evac.) I’m not sure… ***

  10. Rodger August 9, 2013 at 3:23 pm #

    question: i’m planning to open a home, church and etc…. maintenance that deals with repairs and i will be a contractor. is this a good business to get into and how much a year i will make after taxes. what do i need to open a business like this. the plan is to charge a yearly fee or monthly fee to maintenace there home, does includes landscape.
    do anybody have a idea what i’m missing and how do i do this and what do i need to get going and how much will this business cost ti start. scence i’m self employed, what type of insurance do i need fro my family. please write back.

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