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For those OFW’s and foreigners wishing to start a business, but not wishing to involve themselves with the stress of a business involving day-to-day operations, employees, landlords, inventory, and so forth, there are several available opportunities for foreigners living in the Philippines. Buy fixer upper properties, improve them, then rent or sell them. 1. Buy… Continue reading Living in the Philippines – Best "Passive" Businesses to Start

For many people it is a great idea to purchase structured settlements instead of agreeing to a lump sum payment. These settlements are signed after the defendants accept their fault and are either ordered by the court to pay the claimants compensation or agree to such an arrangement in an out of court settlement. There… Continue reading Why Purchase Structured Settlements?

A structured settlement is an arrangement where instead of a lump sum of cash being awarded to a claimant, a tax-free periodic payment is agreed. Structured settlements are often used in guardianship cases, workers compensation cases, wrongful death cases and severe injury cases. Research has indicated that the more severe the injury, the more likely… Continue reading The Advantages and Disadvantages of Structured Settlements

Like most States, California requires that you pass a government administered license exam before you can hang your shingle to sell insurance. In addition, you must take up to 52 hours of pre-license training, which thankfully, can now be done online. Separate license exams and training courses are required to sell property and casualty insurance… Continue reading Secrets to Passing the California Insurance License Exam

All publicity may not be good publicity after all, the long-term care (LTC) insurance industry discovered last month. The industry named November “National Long-Term Care Insurance Month” in hopes of raising awareness of the “need” for the product. However, the bulk of the month’s press highlighted LTC’s drawbacks as it focused on the woes of… Continue reading Crumbling Economics Undermines Long-Term Care Offerings

According to Neil Rackham, author of SPIN Selling, one of the hardest things for many traditional salespeople to do is stop acting like a seller and instead sees the world from the buyer’s perspective. Now, this doesn’t mean trying to manipulate the buyer by seeing things from their point of view. What it means is… Continue reading How to Go From Product Peddler to Professional As a Financial Advisor

Definition of a Gift The IRS defines a gift as “giving property (including money), or the use of or income from property, without expecting to receive something of at least equal value in return. The gift tax applies whether the donor intends the transfer to be a gift or not.” In other words, if you… Continue reading Federal Gift Tax – When This Tax Has to Be Paid

Are you one of the plain insurance agents? Agents often prefer to upgrade their title as an insurance specialist or financial advisor on their business card. Names like life advisor reflect positive experience and knowledge. Which of these different terms distinguishes you from being just one of the insurance agents? Here are 101 top choices… Continue reading Insurance Agents Name Choices – Insurance Specialist, Financial Planner, or Life Advisor?

Structured settlements are financial awards made against one party for the benefit of another party, where the receiving party is awarded compensation at the expense of the other party, usually in settlement of for instance a workplace, personal injury or wrongful death compensation claim. Rather than receiving all the compensation award in full upon settlement,… Continue reading Structured Settlement Loans

If you want to buy structured settlements then it is necessary that you know the basics of this arrangement. A structured settlement is an agreement between the people who sustained personal injuries and the defendants regarding the payment of compensation. Under this arrangement, people responsible for the injury usually agree to settle the matter out… Continue reading Know The Basics On How To Buy Structured Settlements