March 18th, 2009 
Health Guardz 
Hey there, it’s Tripp, better known as the Life Insurance Whiz.
So I see you’re hunting for “life insurance danville”. Before you make another click, run over to http://www.LifeInsuranceSecretReport.com and snag my FREE, easy to read, 16pg report exposing “33 Secret Tips You MUST Know about Life Insurance to Avoid Getting Ripped Off”.
Because chances are, up until now, you’ve been overwhelmed with…
-Thousands of websites trying to entice you with cute family photos and unrealistic offers.
-Companies trying to duke it out with who’s got the lowest quotes…who’s been around for 800 years.
Your brain is probably shutting down from information overload. As a matter of fact…you may have been tempted to throw in the towel on the whole dang thing!
Well, this report of Life Insurance Insider’s Secrets is going to make your life a WHOLE LOT EASIER.
You see…over the years I’ve learned that those things just don’t impress people anymore. When they’re searching for “life insurance danville”, what they’re really looking for is someone that’s REAL and relatable to give them the straight up facts, without just trying to make a quick buck off of them.
And unfortunately, I’ve witnessed first-hand just how rare that is to find.
That is until now.
Introducing my latest report: “33 Secret Tips You MUST Know about Life Insurance to Avoid Getting Ripped Off”
This Easy-to-Read 16pg FREE REPORT Uncovers:
What are the Different Types?
…Most people get these confused, which could cost you BIG
Things to Consider
…These will cause you to stop dead in your tracks and FACE THE FACTS
Yeah, But Do I Really Need It?
…A simple formula to prove whether you really need it or not
33 Secret Tips to Not Get RIPPED OFF
…Secrets tips agents don’t freely tell, that you must know
Who is Tripp?
…Who I am and why you should listen to me
In My “Not-So-Smart” Days
…What I use to do wrong and how it now benefits you
The Inside Scoop
…Some dirt on why insurance agents are so darn pushy
What Makes Me “The Whiz”
…10 Things that put me head and shoulders above the other guys
What Happens Next
…Okay so you’re strapped with knowledge on what to watch out for. NOW WHAT?
So ditch those thousands of boring company websites that are stealing your time and that you probably don’t even understand anyway, and head over to http://www.LifeInsuranceSecretReport.com to snag your copy of the real truth…free of charge.
Meet you there!
Tripp
http://www.LifeInsuranceSecretReport.com
Watch the video related to life insurance
Primerica (NYSE-Listed PRI) visits the NYSE to celebrate the companys IPO and first day of trading on the NYSE. Primerica begins NYSE trading on Thursday, April 1, 2010, under the ticker symbol PRI after its successful IPO in which it raised $320 million in proceeds. In honor of the occasion, John Addison and Rick Williams, Co-CEOs, Primerica, ring The Closing BellSM. Primerica, a leading distributor of financial products to middle income households in North America, has approximately 100000 licensed sales representatives who assist clients in meeting their needs for term life insurance, which Primerica underwrites, as well as mutual funds, variable annuities, loans and other financial products. Primerica representatives focus on reaching the underserved middle-income market. Primerica, headquartered in Duluth, GA., insures 4.3 million lives and more than two million clients maintain investment accounts with the company. Primericas mission is to serve middle income families by helping them make informed financial decisions and providing them with the strategies and means to gain financial independence. Link to related URL : www.primerica.com
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lifeinsurance.awardspace.info – try this one. I have their insurance and, as remember, they can provide such a service.
First off, I am biased! I have been in financial services (mortgage, RE, Banking, Securities) for 7 years now and currently (going on 4 years) teach the Infinite Banking Concept, I have proven to 100's mathematically that it would outperform (if all the rules were followed) any comparable financial strategy. Traditional whole life is inefficient however over the last 10 years there has been innovation that makes specifically structured whole life "The" best savings vehicle out there. Watch this video: http://www.youtube.com/paradigmlife#p/u/3/Xtg6Ug8p3Zc . There are a few other videos on our site that are meant to educate. Most so called experts (including Dave and Suze) have certain areas of finances completely covered but when it comes to understanding completely investments and insurance they are very mistaken. Proof is in the numbers. Hope this helps.
If you look at other 30 year term policies with elite medical ratings you can get a cheaper premium however in the video WITHOUT term insurance you would have a mutual fund needing to earn over 9% per year to match what a properly funded whole life policy will do. This does not even include using the policy for the infinite banking concept. If you are going to pass judgment and call this scam back it up with empirical data that proves it is…what mutual fund has ever done over 9% for 30 years straight?
You could take SSRIs which is what many do. These are prescription antidepressants (So ya you do need insurance for these) which inhibit the re uptake of seratonin into the pre-synaptic cell, leaving more seratonin (neurotransmitter that regulates mood) for use. You could take 5 htp (purchased at a health food store) (precursor to seratonin which is 5 ht) which will increase seratonin levels in your brain. Combine 5 htp with carbodopa to prevent metabolism of 5 htp to 5 ht in the liver. If it is metabolized in the liver into seratonin, the seratonin will not be able to cross the blood brain barrier because it is not lipid soluble. However, carbodopa postpones metabolism until it is in the brain.
If you choose to experiment with these drugs, research them thoroughly to see if they are right for you. Make sure they are safe to mix with other medications you might be taking. Also, don't combine SSRIs with 5 htp.
If you are OK with it, smoke weed; it takes the edge off of things.
I am bringing up a different viewpoint here. The type of depression really matters when looking for effective treatments. Do you feel like you're not doing enough with your life; is something missing? Or do you feel sad or "empty" of emotion for no explainable reason?
It might be that the part of you brain that thinks in words expects too much so that part of your brain and the part of your brain that senses your surrounding aren't in tune. (over simplification). If this is so, you may want to increase the number of activities you do. Find a hobby, hang out with friends, have sex and exercise more.
I am sorry you are going through this(seems like on your own). But you need to really think about what you want to do. You have every right to go to the college of your choice I think they are giving you a hard time to keep you from going away. Because then they would have to step up and contribute more of themselves. Not to sound mean but in the long run you have to do what works for you, not everyone around you. Best of luck in whatever you decide & with your mom.
Sorry both about your injury and your realization that the government does not really care about you.
The politicians DO UNDERSTAND the consequences of the bills they pass. They put the provisions that a lawyer must be involved both to make it more difficult for people to scam the system and to reward the Trial Lawyers Association for their campaign donations ($).
The biggest lie ever told is the one about Social Security. There is no trust fund. You do not have an "account" with your Social Security money safely deposited in it. Social Security is nothing more than a pyramid scam also called a Ponzi Scheme
http://en.wikipedia.org/wiki/Ponzi_scheme
The moral of the story is NEVER depend on government for anything. If you do you will be disappointed in the end.
I'm surprised your recruiter didn't go over that stuff with you prior to you going up to MEPS. That would have saved you a lot of trouble.
If you want a chance at enlisting then you will need medical documents showing you don't have an allergy to it. You will also have to write a statement saying you was mistaken when you said you thought you was allergic to latex. They will want to see this to show you are fit and to even consider you.
I felt compelled to answer your question. It's good you're reaching out for answers. There's alot of help out there for you. Life may be miserable at the moment but it will get better if you let it. I so identify with you because of your challenges. All too often, we look for answers "out there". We think happiness is found in dope or alcohol or a good job or making good money or in having many possessions or in moving different places. When really, the answers are inside you the entire time. Look inside as all the answers you're seeking for true happiness are inward. First, I don't know if you believe in God or a higher power, but like Carrie Underwood's song, "Jesus, take the wheel," give your life to him to fix. Fix it, he will. The Bible says he can't help if you don't ask. Second, get the diagnosis and meds you need. Depression is a bona fide illness as is bi-poliar. All can be fixed with the appropriate meds. Third, everytime you tell yourself something negative, immediately replace it with a positive. Because of your Mom, you've learned to think negatively. It may seem difficult to think of a positive but there's always one. Once you get in the habit of thinking positively, your negative feelings will diminish. You might try reading "The power of positive thinking" by Norman Vincent Peale. That book is really helpful. As for your boyfriend, he has his own challenges to face and he must find his own answers. You aren't capable of helping anyone else until you help yourself. Concentrate on you right now. None of this is easy and it may take awhile before you start feeling better but we're not supposed to be miserable down here. Jesus was the ultimate martyr. The Bible says "I came to give you life and life abundantly." We're supposed to be happy and you can be. I was raised just like you and had to do all of the above to get better. I'll keep you in my thoughts and prayers and know God will show you a better way. When you're feeling better, please write and let us know. .
Most people can cover their needs with a term policy, and usually should only consider a permanent life policy if they have a permanent need for insurance.
Having said that, WL policies will only let you borrow from the cash value, while UL policies will usually let you withdrawal your cost basis and then borrow the remaining surrender value. The difference is that if you borrow from your policy, you reduce the death benefit by an equal amount. Given the option, I would rather withdrawal money from a life policy over borrowing it. Please note if you do either of these, you might be swimming in treacherous waters and you should order an "inforce illustration" each year and carefully review it.
Technically, there is not a life policy that will pay both the death benefit and the cash value, but you can buy a policy whose death benefit increases along with the cash value. If you had a policy whose death benefit increased along with your cash value, there is a cost to the increasing death benefit. If you have an increasing insurance need, it usually doesn't increase at the same rate as your cash value. If you really need an increasing death benefit, you are usually better off buying a guaranteed UL whose death benefit goes up each time you make a premium payment. You are usually better off getting the amount you need or will need, and not worrying about the cash value.
If an agent is selling "tax-free investments" when they mean life insurace, get them to put this in writing and take it to your state's Department of Insurance. It's a scam. If they are selling life insurance because you have a need for the protection AND you would like to enjoy a "potentially income tax-free retirement benefit", that's different. It MAY be income tax-free, and if it is, that DOES NOT mean it avoids other taxes – like estate tax.
You should understand that you have to pay taxes on the premium you put in first and once your distributions (withdrawals or loans) from the policy exceed what you put in, you may have a tax liability. The only way to keep paying income taxes on that amount is to keep the policy in force, which is sometimes trickier than it sounds. To do this, you would have to own the policy and the death benefit would be included in your estate's evaluation for taxes at the time of your death.
Here are two relevant links: