My future mother in law?

I know my future mother in law for almost 10 years. I know she is someone who is really controlling. It really get to me, but the entire time I just didn’t care because I thought it is my life and I had control over my own life. Not until now… We are living there them soon because we just brought a house near them. This is the store. I am trying to buy insurance for my love one’s car because they said they can not buy for him because the car under his name. I said fine. I can buy it for him. Therefore, I call up an agent. She ask me what agency I use and what is the agent name. I told her, but feel little weird about it. Well, one day later she told me she called the agent and tell him to work on the paper work faster and also they email his boss that the agent take too long. I was so upset with that part. Our wedding is coming up. She wants to see the wedding dress and I show it to her. She wasn’t happy at all in the wedding place. She was kept talking about her daughter. When my daughter going to get marry and talk about divorce and talk about what people going to do with the wedding dress. I felt so bad. I try to make myself feel happy, but in my heart I felt so bad. She call me another day that she wants her daughter which my future sister in law to be in my wedding or part of my wedding as my bridemaid which she is someone who I don’t talk to at all because she does not like me. But my future mother in law insist that I should do it so she does not feel like left out. I don’t know what to do because it is my wedding and I don’t want her to be part of it. I had a bad history with this sister in law. My future mother in law also asked me in front that my sister in law going to use an old dress for the bridemaid dress. Which my bridemaid already thinking picking a color they want. What should I do? I had talk to my love one, he said that he does not know what to do? On top of this I am the one who pay for the wedding…




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Getting job in Dubai or Singapore?

Im in Philippines, badly looking for someone who can employ me or help me direct to an employer accepting entry level workers (2 years experience in Sales industry e.g Insurance). i need it by November…

Im Karl, i live in Philippines. I finished my undergrad in a reputable school in Philippines major in management and continued my passion for greater education for MBA; finished last May 2011.
Im going 24 this October 2011 but unfortunately, my birthday will be very lonely. I belong in an ethnic or minority group in Philippines. Im a muslim who moved in Manila for almost three years to learn new things. As my venture went on, i had learned few things on how will i see myself 10 years from now. However, all this dreams i have is about to end. Ive been engaged to a family since i was highschool. One thing when i was highschool was, i was very obedient to my parents and became the reason without a doubt for me to obey them often. They decided to arrange me for marriage engagement to a close friend of our family.
When took my college, many things had happened including the wider outlook of marriage i used to see and understand. Ive been trying to get the best effort i could to establish good rapport to that girl back then but shes very disrespectful and so rude on me. It made me felt sorry, stupid and no one. I told this things to my family about her shortcomings and my feelings about the situation, they never care to listen. They always told me that i should forget about it , because she was just a little girl or immature, and soon she will change. She was in elementary and highschool when we were having trouble understanding each other. She made some reasons for me to dislike her and even worse. I respect her family a lot like they were my second parents. But they’re not the ones whom i would marry with and sleep with, its their daughter.

To make the story short, this coming November, they asked me to marry her. But my life is thrilled with dreams that i want to reach. Secondly, i cant marry someone whom im not comfortable with. Im not a kid anymore. My family invited me for a final talk last month , they asked me especially my mom that not marrying her will create morale damage and will cause negative relationship to other relatves. Ive told her many times even my sisters my dad, but they wouldn’t listen.
This was the reason why they decided to abandon me after month of November, my mom told me to forget her being as my mom and forced my sisters not to help me from any reasons after. She begun weeping a nd crying. My heart was filled with emptiness and madness. But im trying to stay positive. I always knew this would happen.
This made me decided a couple of weeks to seek a new environment instead staying here in Philippines. Im going out for good, i cant live like this. Im losing my family but i don’t want to lose my faith on my fate. I want to cheer up myself that i could do something out of this madness.
However, Im having trouble looking for a job in Dubai online; looking for agency here in Philippine was quite expensive. I don’t have that much money to come up.
I want to beg someone who has a kind heart to help me look for an employer. I was a Financial Advisor in Insurance at a bank here in Philippines for about a year and been a credit card sales officer for couple of months. I don’t have much of that experience but i can prove my competence and credibility. I got an award from my previous employer for being productive on our team last 2010…
If someone barely knows an employer from Singapore or Dubai, it would be of great help if you could guide me there. Im worthy of trust and competence…




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can somebody explain what term insurance means?

if you get term insurance for 10 years, can you get your money after 10 yearrs even if you didn’t diie?




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I want to add an additional driver (my daughter is 27 years old) to my policy and how much does it cost on state farm in? My daughter has her license more than 10 years ago but never register or has any auto inbefore…So what’s the cost of adding additional driver??? Help!!! Thanks…
How much does it cost to add an additional driver on State Farm Insurance?




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Sam Jones plans to retire at age 65. He wants to supplement his retirement by buying an annuity that will provide ,400 each year for 10 years. If money is worth 8% compounded annually, how much will Jones have to pay for the annuity at age 65?




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What are these life insurance policy charges?

I was talking to a life insurance agent the other day and she sent me a policy illustration on some universal life insurance (ULI) product. One table shows illustrative charges, and two that I don’t understand are: (1) premium charge, about 7% of premium paid each year; (2) policy issue charge, a big-ticket item about 11% of annual premium, but only for first 10 years. (I already understand cost of insurance and misc. charges.)

Can anyone help me understand these two charges? I feel one of them is the "sales load" but don’t know which one. I just can’t believe they’re taking 20% of my premium payment each year for the first 10 years and still 8% every year thereafter. Thanks in advance.




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A little help… how do we handle my husband's debt?

I have been married to my husband for only one year, and I am 10 years younger than him… before me, he was married, had another life entirely, and grew up in an environment that taught him how to avoid collection agency phone calls rather than build good credit.

Well, I suppose I am realizing now, being new at most things such as insurance, credit scores, finances… that his debt affects me. I grew up understanding the importance of good credit and how horrible it is to be caught in so much debt. My credit is quite young, but very good. I realize his debt, the collection phone calls that he has been getting from long back before I even knew him, and all this other stuff…. it’s hard on me and we have only just today discussed the need for him to get his credit report and start rebuilding it.

So, what do I do about it? What can I do to help or what can I say to motivate him to just get his past taken care of? He’s even got a judgment against him for a debt that his ex-wife is responsible for (bounced checks) 12 years ago!

I know it’s depressing asking these kind of questions, but advice would be nice… thank you.




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Which is better, term or whole life insurance?

My husband seems to lean towards whole life because the premium is cheaper and cash value is built? I lean towards term because when I was working in private banking, that was what was recommended. ,000 term for a week
,xxx whole life for a week
Thank you. I will show this to my husband.
Thank you. My husband wants me to have some money in case something happens to him. If we want to cover the mortgage then we would need about 0,000. I could cover the balance on my own. His concern about term was the time line. I believe he said 10 years. This is from work. No health exam is required. Since he is in good health, should we insist on having a health exam? Could that bring the cost down?
I don’t know much about the whole life policy. I know to look out for anything that says guaranteed, especially when about investments. Thank you. I spent time in financial services and was introduced to insurance. That was years ago now though. We don’t have pension. We have 401K plans. I also have some IRAs (roth & simple).




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The family lives in Texas but he was living in Idaho for some time now like 20 years. He was about 45 and today we got a phone call saying they found his body outside a motel room. He was a loner, never gave anybody his phone number and only came down to see the family on Christmas. He doesnt have any kids and he wasnt married. We dont even know what he was doing at the motel he was at. Now my Grandpa is In Idaho taking care of the body part of it. But my grandpa is 76 years old and really doesnt have much money to bring his body down here etc…… I know my Uncle had a good jhe used to brag and showed me his check stub 10 years ago he was making 21 hr.)and just reitred 6 months ago. How would i find out if he has any burial insurance, will….My grandfather wants to cremate him but i disagree but i feel like since im just a neice and i dont have any money that i have no say-so,…..Im lost please help….My grandpa (uncles father) had’nt been there for my uncle. In fact my Uncle cont
Was closer to my Mother and he was planning on moving over here with my mom since he retired. Then my mom didnt hear from him for about 3 montsh until this. Me and my Mom are supposed to be going to Idaho but i dont even know where to start. I want to know what happened to him, did he fall down the Motel stairs, does he have a will……what Motel exactly was he at?? How can i find out anyone know, and do i have a right to these answers being a neice?
How will the attorney know he died if noone knows who his attorney is?
i think we should all make wills because we never know and your right it would save alot of stress because truthfully we dont even know where he wanted to be buried..or how…




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Hi. I am 26. I am interested in getting a whole life insurance policy. Why I am thinking whole life, is so I can borrow from it in maybe 10 or 20 years. I am seeking around 0,000. How do I figure what the cash value would be in 5 years, 10 years etc., I need a chart!




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