How a Missing Signature Killed the Dreams of the Donald Jenkins' Family - Are You Making the Same Mistake?
The headline and accompanying article were only 3 sentences long:"Tragedy Strikes Local Family - Donald Jenkins was killed yesterday evening in a single car accident when the vehicle he was driving hit a patch of ice and lost control striking a concrete bridge support. He is survived by his wife and three children."Can two sentences sum up the life of Don Jenkins?No way. You see I knew Don Jenkins and I bet you have friends just like him. A great guy, a loving husband and a caring father. Heck, you might be just like him yourself.
Let me take a moment to share with you the story behind the story:The accident occurred on a Friday evening in early December. I had just talked with Don earlier that afternoon and he was on top of the world. So many things were going right for him, he joked, it just wasn't fair for anyone else. He and his wife Marianne had been married for 24 years and she had given him three terrific kids. The oldest, Sarah, had announced at Thanksgiving that she was engaged and was going to be getting married the following fall.
Everyone liked her fianc? and they were already making plans for a lovely wedding with lots of friends and family.Next in line was his son Stephen who was a senior in high school. Stephen was a well-rounded kid who did well in school and was busy applying to a number of colleges. He hoped to get accepted to an Ivy League school and his grades were strong enough that he might just get in.Finally, there was Tony who was a sophomore in high school. Tony was a great basketball player, good enough to play varsity, and was excited as the season was just getting under way. Don had not missed one of Tony's games since he was in the sixth grade.For Don, well he was on a roll too.
He had gotten a promotion over the summer that gave him a significant pay raise. Enough for he and Marianne to buy a larger home in a nicer part of town.When I talked to him earlier that afternoon, he was making plans to leave work around 5:00 PM, go home and change, then he and Marianne were going to their first Christmas party of the holiday season. He was telling me he was looking out of his office window at a light snow falling.Unbelievably, at approximately 5:52PM Don Jenkins was pronounced dead on the scene. Apparently, according to police reports, he was traveling down the road and hit an icy spot which caused him to loose control of his car and hit the bridge support head-on.While Don's death was a great loss to those who knew him, it nearly tore apart his family. You must understand , I loved Don like a brother, but there was one thing that he never did that I hope you take away as a lesson from this story.Don never finished the application for the life insurance policy I had sent him.
I had already filled in everything for him. All he had to do was sign it. Every time I asked him about it, he always put me off by telling me he would get around to it when he had time. He was just to busy, he said.When Don died at the age of 48, his "estate" consisted of a $400,000 house on which he owed $325,000, some small stock and IRA investments, three cars, and $22,000 in credit card debt.? There was no life insurance to act as income replacement for the next 20 years.? There was no life insurance to pay off the mortgage debt, credit cards, or auto loans.? There was no life insurance to pay for the kids college.? There was no life insurance to pay for Sarah's wedding.Marianne ended up having to sell the house and take a job in order to make ends meet.The really aggravating thing was that Don was in decent health and could have gotten a $1,000,000 20 year term life policy for around $150 per month. That $1,000,000 would have gone to his family tax free in a lump sum and would have done a lot of good for his family at a time they needed it most.Why do I share this story with you? I want you to be aware that the decisions you make (or don't make) can have a major impact on your loved ones.
Whether you buy your life insurance from us or get it from someone else, just do it! Before it's too late.Don didn't plan on dying when he did. Few people ever do. Take responsibility and take action.For additional information, visit us at www.TermSelect.com for a free, no obligation quote for your term life insurance needs. Our technology searches a proprietary database with over 150 insurance companies and literally thousands of policies to find one that fits your needs and your budget. In addition, be sure to request our free report "The Insider's Guide to Secrets the Life Insurance Industry Doesn't Want You to Know!" Learn how to be a smart consumer when making one of the most important decisions that affects your family's future..
Daniel Gutschenritter is the Vice President of Customer Satisfaction at http://www.TermSelect.com. TermSelect.com offers free quotes, calculators and information on term life insurance products for most major life insurance carriers.Flat Rate Movers In NYC
Whether relocation concerns a residence or business there are movers in NYC who offer customers an all inclusive one-price move that is guaranteed. Known as Flat Rate movers, the innovation introduced in 1991 offers an all inclusive, guaranteed, one-price move.
This was introduced in order to eliminate questionable pricing practices and to develop a trust among customers. They will ask details of what and where you want to move and provide you with a fixed cost estimate for the proposed move.
The service includes packing, collecting your boxes, door step delivery as well as unpacking. However the system is not without problems so you must ensure that the credentials of the company are "good", there are no complaints with the Better Business Bureau, that the contract includes guarantees, as well as breakage or loss insurance.
You may need to take additional insurance to protect your valuables. Ask the company about this.
If in doubt consult...
Flat Rate Movers In NYC
Auto insurance > Flat Rate Movers In NYC
Real Estate Investors - Don't Close Your Eyes To Closing Costs.
When buying or selling real estate closing costs can come as
a shock. Here's an explanation of the various expenses:
Down Payment
Most lenders require a down payment of from zero to 20% for
a normal home purchase.
Lender's Loan Origination Fee
Government regulations allow 1% origination fee on FHA or VA
loans. Conventional loan fees can vary from 1 to 3 points or
more. A point is 1% of the loan.
Appraisal Fee
About $300-$500. Non refundable.
Credit Report
$50-$60.
Non refundable.
Tax Service Fee
In some areas a charge of approximately $75 by a tax service
company to verify to lender that taxes are actually being
paid.
Assumption Fee
Fee of approximately $250 up to 1% of the loan balance charged
by existing lender for permission to assume existing loan.
Pest Inspection Fee ...
Auto insurance > Real Estate Investors - Don't Close Your Eyes To Closing Costs.
Are Astrologers just plain stupid?
We live at an interesting time of scientific knowledge. Scientists say that you cannot gain an advantage over the Casino, since the odds are stacked against you. Scientists also say that Astrology does not seem feasible, since it does not fit in with known scientific laws. However, it is estimated that approximately 100 million people in the world either follow Astrology or see that there is some truth in it. Are all these people gullible or stupid? Do people just follow something in their millions, century after century, if there is nothing there? Are humans really this fickle, or is it because each of them has had personal experiences or discoveries that have made them see that something very real and valid is going on? Avoid being too fickle yourself when answering this question! Why this is an interesting time is because of this disparity in scientific and common knowledge.
One day, probably in the not-too-distant future, when science has begun to unravel the causes and effects...
Are Astrologers just plain stupid?
Auto insurance > Are Astrologers just plain stupid?
Medical Insurance Protection During Spring Break
With the large number of college students and others traveling away from home this coming week for spring break vacations, it pays to take a minute to think about the protection you have in the event of an accident or illness.
Tony Novak, who operates OnlineAdviser service at MedSave.com, offers these suggestions:U.S. health insurance policies typically cover only U.S. residents while in the U.S.
Non-U.S.
health insurance policies cover only non-U.S. residents while outside the U.S.
International travelers usually need supplemental insurance to bridge the gap during periods away from home.If you belong to an HMO, realize that your benefits out of your local area are limited and you may wind up paying most of the cost of a claim yourself.
The out-of-network deductible and co-insurance typically leave your financial exposure greater than most people are willing or able to pay.
The co-insurance for an out-of-network claim may be as much...
Auto insurance > Medical Insurance Protection During Spring Break
Eliminate Your Credit Card Debt, But How?
Can a debt consolidation loan eliminate your credit card debt? A consolidation loan might (or might not) be the key. There are several things you must consider when making the choice to consolidate debt using a debt consolidation loan. First, is a debt consolidation loan your best choice to eliminate or substantially reduce your debt? There are other options available to you, including credit counseling and bankruptcy. Obviously bankruptcy is a last resort. You must examine several factors when...
Eliminate Your Credit Card Debt, But How? tax help How a Missing Signature Killed the Dreams of the Donald Jenkins' Family - Are You Making the Same Mistake? Auto insurance
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