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PDF Ebook What's Wrong With Your Life Insurance, by Norman F. Dacey

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What's Wrong With Your Life Insurance, by Norman F. Dacey

PDF Ebook What's Wrong With Your Life Insurance, by Norman F. Dacey

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From Publishers Weekly

A standard "cash value" life insurance policy will pay its prescribed death benefit in any year the prescribed premium is paid up, and the premium usually is reduced eventually to zero by an ever-increasing annual "dividend." Nevertheless, in this updated version of a controversial 1963 title, Dacey ( How to Avoid Probate! ) denounces the insurance industry as a whole for misusing policyholders' money. Huge surpluses from lapsed policies, investments and favorable mortality experience, argues the author, finance exorbitant executive salaries and agent compensation. He sees deception everywhere in the modern insurance world of policies combining mortality charges with a savings/investment program. The variety of such formulas is almost infinite, their complexity confusing to the prospect they are meant to fool (and to the reader), as Dacey demonstrates exhaustively. His uncomplicated advice: "Buy cheaper term-insurance and invest the difference." Copyright 1989 Reed Business Information, Inc.

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From Library Journal

Just about everything is wrong with your life insurance, according to Dacey, unless you have simple term insurance. In this scathing update of his 1963 book of the same name, Dacey, also author of How To Avoid Probate (1965), catalogs the numerous abuses and deceptions he sees being foisted upon an unsuspecting public. Dacey has an inflammatory style ("avaricious industry" and "financial Moloch" are representative epithets), but amply demonstrates, largely from the industry's own sources, how agents strive to sell high-commission cash value policies that leave customers under-insured. His advice: Buy term and invest the difference. While this is a valuable source, it has an enormous amount of detail and is far too repetitious. Careful editing would have made it leaner, if not meaner. Nevertheless, recommended.- Jack Ray, Loyola/Notre Dame Lib., BaltimoreCopyright 1989 Reed Business Information, Inc.

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Product details

Hardcover: 452 pages

Publisher: Macmillan General Reference (October 1, 1989)

Language: English

ISBN-10: 0025293508

ISBN-13: 978-0025293502

Product Dimensions:

6.5 x 1.5 x 9.5 inches

Shipping Weight: 1.8 pounds

Average Customer Review:

4.2 out of 5 stars

37 customer reviews

Amazon Best Sellers Rank:

#275,101 in Books (See Top 100 in Books)

As a licensed producer, this book improved my ability to talk with others about the real necessity of life insurance and to challenge them to know what their goals/objectives really are. Also, this book helped me to perfect my trade when talking with people who may have purchased their coverage blindly, especially if they are easily swayed by the language of the agent. Here's a challenge: Ask your agent what type of life insurance he/she owns. The answer might surprise you!

Perfectly explains how cash value and universal life policy's Rip you off. But term invest the difference!!

Great information. While life is a rip off and more people need to know about this! Term insurance is the way to go. Find a Primerica agent!

I would purchase again from this company. Receive book in great condition. I would recommend to my friends. I shared the book with my husband. Good stuff for self development

Know what your buying, get it, it will open eyes!

This is a book that everyone should own. If you want to save money and not be scammed by bad life insurance people. This book may not be around for long because the life insurance industry does not want you to know the truth and how to protect yourself. This book can help you protect your family and friends. This book is a must buy.

Amazing in its detail and easy to understand. It was straight foreword and pulled open the curtains to allow you to see with clarity the greed of the insurance industry and the common sense of buying term and investing/saving your money outside of your insurance policy.

Love it

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Get Free Ebook Jefferson's West: A Journey with Lewis and ClarkBy James P. Ronda

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Jefferson's West: A Journey with Lewis and ClarkBy James P. Ronda

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James P. Ronda, H.G. Barnard Professor in Western History at the University of Tulsa, retells this compelling part of the American story by contrasting the expectations of Thomas Jefferson had for the expedition with what Captains Clark and Lewis actually experienced during their journey.

• Sales Rank: #2251027 in Books
• Brand: Brand: The University of North Carolina Press
• Published on: 2002-02-25
• Released on: 2002-02-06
• Original language: English
• Number of items: 1
• Dimensions: 9.98" h x .28" w x 7.10" l, .53 pounds
• Binding: Paperback
• 80 pages

• Used Book in Good Condition

Review
As a compelling part of the American heritage, this story deserves telling and retelling. James Ronda is uniquely qualified to tell it. A story for all Americans. (Robert M. Utley, from the Preface)

About the Author
James P. Ronda is H. G. Barnard Professor in Western History at the University of Tulsa. He has written and lectured widely on the subjects of the American West and the Lewis and Clark expedition. His books include Lewis and Clark among the Indians, Astoria and Empire, Revealing America: Image and Imagination in the Exploration of North America and Voyages of Discovery: Essays on the Lewis and Clark Expeditions.

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Download Redefining Efficiency: Pollution Concerns, Regulatory Mechanisms, and Technological Change in the U.S. Petroleum Industry (Technology and t

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Today, pollution control regulations define how complex technological systems interact with natural ecosystems and competing human uses of the environment. Redefining Efficiency examines the evolution of this industrial ecology in the United States by tracing numerous pollution concerns associated with the production, transportation, and refining of petroleum over the course of the twentieth century. In doing so, this book demonstrates that a pollution control ethic based on the efficient use of resources emerged early in the century and met with enough success to undermine the first calls for strict government-enforced regulations. Redefining Efficiency also chronicles the failure of this efficiency-based pollution control ethic and its replacement by another. This second ethic required society first to define its environmental objectives and then to institute policies to achieve those objectives. The resulting regulations, by restructuring the economics of pollution control, have since redefined the notion of industrial efficiency.

• Sales Rank: #3737516 in Books
• Brand: Brand: University Of Akron Press
• Published on: 2001-09-01
• Original language: English
• Number of items: 1
• Dimensions: 9.25" h x 1.25" w x 6.13" l, 1.73 pounds
• Binding: Paperback
• 451 pages

• Used Book in Good Condition

From the Author
This book is a fascinating, well researched examination of how the oil industry, government regulators, and the public as a whole have dealt with the pollution problems associated with the production of petroleum in the U.S. over the past one hundred years. Gorman's thoughtful analysis dispels the myth that the oil industry did nothing to abate its pollution prior to the enactment of tough federal pollution regualtions in the 1970's while providing insight into the complex web of technological, economic, and political factors that constrained these early, largely voluntary efforts. ---Christine Rosen, University of California, Berkeley
Gorman's work is the first to treat systematically a single industry's environmental endeavors and it will stand as a landmark in that respect. But it is not just an environmental history. By infusing business and technological concerns throughout the narrative, Professor Gorman offers an exceptionally well-rounded view of an industry. ---Craig Colten, Louisiana State University

About the Author
Hugh S. Gorman is assistant professor of environmental history and policy at Michigan Technological University. He holds a Ph.D. in History and Policy from Carnegie Mellon University.

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Download PDF , by Helen Hardt

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Product details

File Size: 1717 KB

Print Length: 288 pages

Publisher: Waterhouse Press; 1 edition (May 18, 2016)

Publication Date: May 18, 2016

Sold by: Amazon Digital Services LLC

Language: English

ASIN: B01FWPZQRY

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Amazon Best Sellers Rank:

#111 Free in Kindle Store (See Top 100 Free in Kindle Store)

I had so much promise that I was planning to buy the whole series. But after reading this that is never going to happen! Based on the great reviews and the promise that it was in the same vein, but better then Fifty shades of Grey. This doesn’t even come close. This story is painfully slow. The only thing that is quick is the sex and how fast the two main characters fall in to bed with each other, over and over and over again. And this is straight up sex not romantic lovemaking, but borderline sexual abuse. The sex is repetitive and boring at best. The main story line is ridiculous easy to figure out. And the rest of the story lines are all left dangling with a cliffhanger ending. This was a total waste of my time. I don’t know how it has gotten so many 5 star reviews, guess there’s no accounting for taste. If this book wasn’t free I’d want a refund. I will be erasing this from my kindle and would only recommend this book to someone I didn’t like so that they could waste their time. All in all this book if you could call it that since it’s not a complete story and I hesitate to call it that was GARBAGE!

Nipple obsession for another. The word nipple appeared SIX times on ONE page! It is amazing how poorly written the dialog is and the characters and storyline are unbelievable. Glad it was a freebie. Just don't waste your time

This book had too much monotonous sex. Lots of sex scenes, all the same. My #1 problem with this book is the underlying story of a boy who endured a horrible sex crime at the age of ten. Talon, the main character had a tortured life but we don't get to see what happened unless we buy more books. What this says to me is that the author is more interested in lining her pockets than she is in satisfying her readers. My response to her is "Go to Hell" and I will be sure to never purchase another of her books.

I’ve only given a 1 star review one other time. This book was bad. Thank goodness this book was free because I would’ve asked for a refund (a first) if I could. So many inconsistencies in the storyline, it was ridiculous. The big secret I figured out quickly and it was torturous to try to continue so I gave up. I can’t believe it received so many “positive” reviews and there are 8 more books. No thank you!

Ir was just ok, but i am furious that it is a cliffhanger. On top of it all, the following books are *expensive* !

I didn't have alot of expectations with this new to me author...but I was floored. Talon and Jade's story is absolutely riveting. The characters are all flawed but perfect, if that makes any sense. The horror that is Talon (and the Steel Brothers lives) sucks you right in. The sexy times were just hot, hot, hot. Your heart sinks and flies and you wonder what next? What will be revealed? I hated to see it end.

A captivating first in series by Helen Hardt. The series is touted as a "saga" and it definitely lives up to that class of romance novel. If you're a fan of some other hyped up romance novels you will love this one even more. No cheesy dialogue or awkward character situations. The characters are REAL and...you guessed it...HOT. Make sure you have a cold glass of wine by your side when you start reading. You will definitely want to read the rest of the series after this book.

This is such an awesome series. These characters drew me in and took my breath away. This series has all kinds of emotions, mystery and intrigue a reader could want. The brothers are all hot throbs, of course, but each one has his own unique style. Lord, I loved these books. I have read all the books in the series so far and cant wait for the next one. Highly recommend reading this series. You wont be disappointed.

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Get Free Ebook Meeting of two Seas: Where the heart leads the mindBy Saeed Malik

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Meeting of two Seas: Where the heart leads the mindBy Saeed Malik

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“Eye-opening in terms of the parity between the Abrahamic faiths, this fine model of scriptural analysis merits study by mystics of any faith.” Kirkus Reviews

This book is a follow-up to A perspective on the Signs of Al-Quran: Through the Prism of the Heart. Here the heart leads the mind on a journey into the eighteenth chapter of the Holy Quran. This chapter, known as Surah Kahf, has captivated seekers across the ages for its living spiritual appeal. Meeting of two Seas is about a journey which Moses undertakes with Khidr. Though this journey is short, it continues to open doors to others, through our awakening to the meetings of many sets of two seas around us: The meeting of the manifested real and the hidden Real; the meeting of the temporal and the eternal; the meeting of the empirical with the spiritual; and the meeting of physical causes with the Spiritual Cause. Our consciousness too stands at the nexus of the seas of our very own inner and outer selves. When the heart and the mind come to a meld—the coming together of taddabur and taffakur—there is no turning back and no end to the joyous journey toward the shores and sea of the Arabic Quran. The i’jaz of the Quran is its unfathomable ability to lead us to a scent of the REAL and toward a sense of belonging to IT.

• Sales Rank: #1342512 in Books
• Published on: 2016-02-17
• Original language: English
• Number of items: 1
• Dimensions: 9.00" h x .74" w x 6.00" l, .96 pounds
• Binding: Paperback
• 296 pages

Review
"A thorough examination of Chapter 18 of the Quran exemplifies allegorical interpretation and reconciles common dichotomies like heart and mind, science and religion.
"Having lived a life immersed in physical sciences, I now find myself drawn by an irresistible appeal to the mystical shorelines of the hidden sea," Malik (A Perspective on the Signs of Al-Quran, 2010) writes. Such watery metaphors pervade the author's language as he expounds on various parables in the Surah Kahf. A central story has Moses--the Quran's most-mentioned prophet--setting out to find the meeting place of two seas. While this might be a real place, this is also a mystical journey to the union of heart and mind. Moses' companion on the quest for knowledge, Khidr, impairs a boat, kills a boy, and then--in a sudden merciful turn--repairs a crumbling wall. For Moses, it's a lesson in unquestioning obedience, even when God's will doesn't make sense. As Malik observes, this is like the journey of faith: the big picture is usually hidden from mortals. Another key parable concerns some young men who take refuge inside a cave and, Rip Van Winkle-like, emerge to find that centuries have passed. Malik cleverly links this example of "time dilation" to quantum physics' concepts of time and space while also invoking metaphors of resurrection. Bypassing the usual quagmire that results when religion tries to disprove science, he instead imagines the two coexisting. Indeed, his modus operandi throughout this learned guide is to seek intersections between two ideas: empirical and subjective; free will and predestination. "To those who have made the plunge" of faith, Malik insists, those seemingly contradictory pairs become a nonissue. The book, written in an inviting first-person plural, makes scholarly comparisons between different translations of the Quran (in italics, with footnote references), accompanied by Arabic script and color images. Erratic hyphenation is a rare stylistic flaw in an otherwise fluid text. Dense with details, this impressive volume rewards a slow, meditative reading.
Eye-opening in terms of the parity between the Abrahamic faiths, this fine model of scriptural analysis merits study by mystics of any faith." Kirkus Reviews

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Meeting of two Seas: Where the heart leads the mindBy Saeed Malik PDF

Meeting of two Seas: Where the heart leads the mindBy Saeed Malik PDF

Free Ebook Video Game ArtBy Nic Kelman

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By 2008 most analysts predict that the video game industry will be larger than the film and music industries combined. Games today already command Hollywood budgets and teams of dozens of artists, writers, musicians, and designers...and yet almost nothing has been written about their art and design from a non-technical viewpoint.

Video Game Art is a first look from an art history and post-modern cultural perspective at the influences behind, and achievements of today s genre-defining video games. Examining themes such as character, environment, and the growing place of video games among more traditional art forms, and including commentary from luminaries of the field and often unpublished behind-the-scene art of both past and upcoming games, Video Game Art is a pioneering foray into what promises to be the dominant art form of the coming century.

• Sales Rank: #1508467 in Books
• Brand: Brand: Assouline
• Published on: 2006-01-28
• Original language: English
• Number of items: 1
• Dimensions: 1.25" h x 6.36" w x 8.40" l, 2.10 pounds
• Binding: Turtleback
• 319 pages

• Used Book in Good Condition

Review
"In the new book Video Game Art, author Nic Kelman argues that games have made the leap from entertainment to art the same way cinema has -- with intricate plots, highly developed fictional worlds and complex characters."

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