It’s the worst news to get as life insurance policy owner/beneficiary or term life insurance agent. Rescission. We need to find out what exactly does it mean in the world of life insurance and more importantly, how to avoid ever hearing it.

First, we’ll start with the formal dictionary definition according to Merriam-Webster for rescinding:

1 : to take away : remove

2 a : take back, cancel b : to abrogate (a contract) and restore the parties to the positions they would have occupied had there been no contract

3 : to make void (as an act) by action of the enacting authority or a superior authority : repeal

Definition #2 and 3 are most appropriate for our usage. Sometimes, people forget that the term life insurance application is a contract between the applicant and the insurance carrier. The “offer” is made by the applicant in the form of the application. The carrier than makes it’s decision on whether to accept this offer based on the information in the application and as a result of the paramedical exam/interview. Where rescission comes into play is if there was material information not included in the application. Material essentially means that information would have affected the carrier’s decision had they know about it. For example, a cold from 2 years ago probably isn’t an issue. Elevate cholesterol or heart palpitations would be since they have a direct bearing on mortality and actuarial probabilities. To be safe…be thorough.

Most term life insurance policies have a two year window to rescind a policy if they discover information was misrepresented during the life underwriting process. This two year window usually starts from the effective date of the policy. After this two year window, the carrier is typically without recourse to rescind the policy or not pay the benefit according to the terms of the coverage.

As licensed life insurance agents, we strongly recommend that you must provide all your information honestly and thoroughly during the life underwriting process. From our experience, the carriers have ways to find that information was misrepresented on the application. Let’s take an example.

John Doe decides to conceal his long, prior history of drug use. He avoids use prior to the paramedical so that it does not show. One year later, cocaine use causes a heart attack. The carrier may then investigate prior claims history. They find a panic attack ER visit years before and doctor notes reflecting drug use. This person is in serious jeopardy of not having benefits paid out to his beneficiaries. After the loss of a loved one, it’s insult to injury to find out that the life insurance policy has been rescinded. The carriers also have access to the MIB (Medical Information Board) which is a collection of data reflecting at a minimum, instances of fraud of misrepresentation among the carriers that participate (Medical and Life).

If you’re worried about your ability to qualify based on health history/status, contact us so we can evaluate your situation and match up the right options. There can be High Risk insurance plans we can investigate. Certain carrier may also be more lenient for a given issue. That’s where our experience as life insurance agents really come in handy.

You have decided to exhibit your products in the local expo for the first time! You are jittery because not only this is your first display, also because you have come across numerous trade show displays over the internet, that you cannot decide which one will be best for your exhibits!

You get even more confused when you hear words like trade show exhibits and trade show displays. As there is no difference between the words “display” and “exhibit”, there is no difference between trade show displays and trade show exhibits.

If this would be your first time then you can go for the trade show display rentals. At the rentals, you can go for turnkey basis or can rent out individual pieces. If you go for turnkey basis, you will have their expertise to guide you. However, you should have a little idea of your own.

Establishing a market plan is a very important aspect of attending a trade show. However, it is equally important to present your trade show exhibits in such way that they are able to draw the customers attention instantly. It is a fact that few come to the trade show with the intension of buying any specific goods. Most of the visitors just stroll around and make purchases only if something catches their eyes. As for those who, come to the expo to buy something enters that booth that they find interesting. Therefore, it is imperative that your booth should catch their attention.

As a participant, it would be important for you to generate some sales. Along with it, it is also important for you to create a positive impression on the minds of the visitors. One efficient way to do the same is to give your pavilion a unique look. You can, at lease in the beginning, take the help of a professional.

People who hold a good experience of organizing and planning things in this field know as to how the things work, what is required to catch people’s attraction and how should the products be displayed visibly and prominently. It is recommended that you should take their help initially. But there is no hard and fast rule as such. You can also do the same job if you have a clear vision and know as to how should the things look like.

Even if you do not have any idea, you should ask for different plans and then choose the one you think will suit your purpose best. Alternatively, you can leave everything to the trade show display rentals. Most of them are in business for a long time and will display your products to the best of their ability to promote their business, if for nothing else.

Being a first timer, you can do the following:

1) Rely on the trade show display rental agencies. However, relying on them totally may turn out to be bit expensive.

2) Therefore, you can visit few expos before you join one and watch trade show displays and exhibits put up by the ones that have caught your attention. Try to understand why these have caught your eyes and not others.

3) Instead of going for turnkey projects, you can also hire individual pieces

4) If you plan to join other expos, you can buy some trade show exhibits and rent the rest.

5) This is best idea, because that way you will be saving some recurring expenses and yet can set up differently designed stalls each time you join an expo.

Although the worldwide economic downturn hasn’t hit the Cary/Raleigh area as hard as it has other parts of the United States, the area has still experienced a bit of sluggishness within its housing market. Therefore, it has never been more important than now for sellers to take steps to make their homes more appealing and attractive to potential buyers. Luckily, with the help of a process known as staging, this is an easier and often less expensive procedure than most people think.

The Goals of Staging a Home

Before you start staging your home, it is important for you to understand the goals of this process. These include:

· Making the home look clean and clutter-free

· Creating a space that looks open and inviting

· Allowing the potential buyer to see him or herself living in the home

As you can see, achieving these goals requires doing more than simply washing the windows and clearing the children’s toys out of your yard, though these are definitely things that you will want to do as well! Rather, staging is more about creating an image that will leave a positive impression on your potential buyers.

Engaging in the Staging Process

When staging your home, you will wan to take a good look at both the inside and the outside of the home. Your first step is to put away unnecessary items, to clean any items that are dirty and to make any necessary repairs. Even something as seemingly simple as a cracked light fixture will cause potential buyers to worry about what else might be wrong with the home. Therefore, it is essential for you to look at your home with a critical eye and to make these repairs before you start showing your home to potential buyers.

After taking care of the basics, it is now time to start creating the right image and setting the mood for potential buyers. Some things you should do include:

· Install plenty of lighting features throughout the home so each room can be bright and inviting when the potential buyer looks through the house

· Remove unnecessary furniture so rooms look less crowded and are easier to walk through

· Make certain the furniture in each room is suitable for that room (i.e. beds belong in the bedroom, not in the family room)

· Remove personal knick-knacks and photos, as seeing your personal items locate throughout the house will make it more difficult for the potential buyer to see him or herself living there

· Use rooms as they were meant to be used – you may like the fact that the walls in one of your bedrooms are painted black so you can use that room as your personal photo lab, but the average buyer will want to use that room as a bedroom or an office, so repaint the room and furnish it to look like a more commonly sought after room

Separating yourself from your home and looking at it from another person’s perspective can be difficult. Therefore, if you are having a hard time with the staging process, bring in a trusted friend or relative to provide you with feedback or consider hiring a professional stager to help get the look you need.

Copyright (c) 2009 Valery Satterwhite

Just as learning your ABC’s are fundamental to a basic education, learning the Four C’s of Creativity are essential to life as a powerful and deliberate creator of your art and your life experience. If you are not living a life abundant with new inspiration and enthusiasm for your creative challenges then it is likely you are missing one of the C’s, a key ingredient to the recipe for boosting your creative flow.

The four C’s of Creative Flow are:

1. Centering

“The tragedy of life is what dies inside a man while he lives.” – Albert Einstein

When you are centered, in alignment with the truth of who you are, life flows effortlessly. Your moments are largely spent “in the zone” of your creative spirit. You are engaged, unaware of the passage of time and firing on all cylinders of your artistic expression and life potential.

When you are un-centered, not in harmony with your authenticity life becomes a tiresome and often anxiety ridden struggle. You work exhaustively trying to fulfill the inauthentic expectations, the ’shoulds and must do’s” demanded of you by yourself and others. Your heart longs to express and create one thing yet you hold yourself back to pursue another, often perceptively safer, path.

You may get brilliant at creating these false expectations but they will leave you unfulfilled, living a life of desperation.

2. Choice

“How you choose to respond each moment to the movie of life determines how you see the next frame, and the next, and eventually how you feel when the movie ends.” – Don Childre

Once you acknowledge and honor your truth, stand centered in the truth of who you are, it is necessary to base the choices you make and the actions you take upon this truth. If you step off your center, make a choice that is not in alignment with your center then you will struggle. Your creative flow will be blocked leaving you frustrated and unable to fully and effectively express yourself in your work and in your life.

If your choices are not grounded in your center, your core of being, you will not create the outcomes you desire. A choice acted upon and based on your truth will deliver the outcome, and experience, you want to create. A choice to take a different path, limit yourself and your possibilities in any way will create “less than” or even a train-wreck of an experience.

Choices that speak your truth feel good. Choices that belie your truth feel bad. It’s as simple as that.

3. Commitment

“The quality of a person’s life is in direct proportion to their commitment to excellence, regardless of their chosen field of endeavor.” – Vince Lombardi

If you show up in your life centered in your truth, making choices that honor that truth you must commit yourself to honoring the choices you make. If you quit or hold yourself back in any way then you have made a new choice that is not in alignment with your center. You have strayed from your path of authenticity and the road to creating the art you wish to express and experiences you desire.

Staying committed to yourself requires trust in and love of yourself. What you long for is your birthright. It is what you are here to create. It is your purpose in life, that is why you feel its calling deep within your soul. Even if the journey is a bit arduous, if you are committed to YOU the experience will be exciting and fulfilling.

4. Challenge

“Life’s challenges are not supposed to paralyze you, they’re supposed to help you discover who you are.” – Bernice Johnson Reagon

It is a challenge to stay committed to your choices and center of truth. You will be called upon time and time again to stretch beyond your current comfort zone. Moving beyond what you know is unknown and, therefore, scary. In your fear you may Find Excuses And Reasons (F.E.A.R.) to step back from your commitment, your choices and your core of being.

You may not like your current comfort zone and say you want to achieve certain goals but if you discover that you are serving up excuses why you, others, or circumstance prevent you from maintaining your commitment then know that you are in a state of fear. Just take a deep breath. Breathe out. Center yourself. Listen to what your inner being wants. Let go of the voice of that incessant Inner Critic who works hard to keep you safe. Keeping you safe to this well-meaning yet woefully misguided egoic part of you is to keep you right where you are. It’s what you know so it’s safe.

There you have it, the four C’s of Creative Flow. As with learning how to ride a bicycle, you may fall on your butt a time or two as you apply these lessons in your life. That’s ok. Just brush yourself off and get back on your bike! Enjoy the ride.

You’ve probably heard that Korean (along with Japanese) is different than English due to confuscianism and the “social status” – mostly based on age – that comes along with that. Well what that means when it comes to learning how to say hi Korean is that you it’s not quite as simple as just that – but it’s not real difficult either!

The first way to say hi in Korean is the most formal way and personally I don’t really recommend learning and using this one, since the next one I’ll show you is more common – still formal formal, respectful, but a bit more casual – and there’s really no point in learning all 3 since it can be a bit overwhelming and that energy could be put into learning something else more useful (just my opinion)!

So the first one is…

안녕하십니까?

(The romanization is something like…Anyoung Hashimnikka? – I say “something like” because the system for romanizing Korean has changed enough times that there are more than too many different spellings for so many words that I don’t really care which one is deemed “correct” at the time, especially since as I write this they are currently revising it again. And if you are planning on learning more than just how to say hi in Korean, I really don’t recommend you rely romanization to learn how to say things – learning how to read Korean can seriously be done in a few hours if you really just sit down and focus on it).

The next, and probably most common way of saying hello or hi in Korean is…

안녕하세요

(this one is a bit more casual than the first, but still quite formal – you would almost never greet someone older than you or in a higher “position” in anything less formal than this)

The third and also very common way to say hi in Korean is exactly the first two syllables of the two above examples…

안녕!

(this is very commonly used, but only ever with someone you are familiar with and is the same age as you, or someone younger than you or in a lower “position” than you).

For the first two mentioned, you would usually throw in a bow (a slight bow is fine, at least you’re trying) as you said them as well – it can take some getting used to, but really goes a long way when it comes to first impressions. Think of it as if you held out your hand to shake someone else’s and they just just smiled and looked at you. Not really the most friendly gesture to start off with, even if it’s a totally innocent mistake.

Anyways, hope that helps. I will be posting some vids helping with the pronunciation of those different forms of hello as well.

Cheers!

Rob…

P.S. Oh yeah, I almost forgot! Hi in Korean on the telephone is 여보세요. Not real important to you just yet probably, but an interesting little tip (maybe).