Submitted by: David Duford

Would you like to know what kind of final expense commission level you are entitled to as a new final expense agent?

The answer, of course, is, “It depends!” And this article will set out to define what to expect regarding commission levels and also to further investigate what details final expense agents need to be concerned with that factor into what they will ultimately NET (which is different from what they will GROSS).

For the most part, there is an inverse relationship between your gross commission level and the level of support you receive as an agent. However, many agents will attest that this is not always the case, as there are plenty of low-brow final expense agencies that con agents into low gross commission contracts yet do not provide a high level of support in return. Hopefully, with the knowledge gained from this article on final expense commissions, you will be able to determine which outfits will provide the best balance of value and gross commission levels.

Another reason I have written this article is that most agents get involved in the final expense business through the first person they meet; they have no benchmark to judge an offer against. Simply put, new final expense agents don’t know what they don’t know.

The Benchmark – Street Level Contracts

[youtube]http://www.youtube.com/watch?v=6WA3-KD4igc[/youtube]

Street level contracts are defined entry-level contracts any agent can get without requiring proof of production. These are the highest no-production proof contracts new agents can get. Normally, agents can anticipate gross commission levels in the 100 to 120 first year commission percentage rate ranges.

So why don’t all agents simply pick up street-level contracts? Because with the exchange in a higher gross, comes less involvement from the upline to train that agent. Additionally, there is rarely any support in the form of marketing for the street level agent, either. The agent is left up to his own abilities to find a marketing program, learn how to sell, and learn the nuances of the final expense business.

Most new final expense agents shack up with an agency on lower-than-street level contracts in exchange with the expectation of training, support, and access to a proven lead-generation system. Many of these organizations will require the new final expense agent to purchase his own leads, while others do all the lead management for the agent.

Agents that are responsible for purchasing leads usually have a better gross commission contract than those who have the agency manage the lead program to reflect the added investment on behalf of the agent purchasing the leads.

A good rule of thumb for new final expense agents is to work with a final expense agency that will provide training, support, and a lead program (optimally using your own money) and in return, you should have a gross first year commission level between 80 and 100 percent.

Smart final expense agents understand that there is a lot of training he’ll have to undertake, from product selection, lead selection, underwriting, to salesmanship. all of this factors into where your commission rate should be. Finding a final expense agency that will provide all of this to you, along with you getting a feel that you get along with the manager responsible for you, is a great way to get started in this business.

Blue Sky and Unfair Contracts

Beware! Always be suspicious of the agencies that sell you on “blue sky” – IE, they show you money, cars, material possessions, et cetera. Many times these agencies gloss over the extreme level of hard work and emotional discipline that it takes to succeed, and excite you with the possibilities of being rich and famous.

Also, beware of agencies with super-low first-year commission levels in the 50 percent to 70 percent range that actually require you to buy leads at full pricing.

These agencies are committing highway robbery; the truth of this business is not everything you sell will actually stick, and you are at some financial risk from business that falls off the books and any advanced commissions you receive have to be repaid out of new business placed. Couple that with a full price lead bill, mostly likely in the several thousands, you have a recipe for financial disaster.

Ultimately, if you value support and training, and understand that you don’t know what you don’t know, you want to find a final expense agency that will provide you the tools to succeed in exchange for a short-term commission level reduction to reflect the value the agency is giving you. Yes, you do want to be at a street-level contract down the line, and if the agency is intelligent, they will show you to plan on how to earn you way to a top commission contract. Because, as first mentioned, your success is determined not just by what you make (your gross first year commission), but what you keep, which can be dramatically altered in a positive way by controlling lead costs, and optimizing your skill level to see more people and sell more insurance.

About the Author: David Duford is the owner of Final Expense Agent Mentor, specializing in helping agents new to the final expense life insurance business master the business through intense mentorship and guidance. Visit

feagentmentor.com

for more information.

Source:

isnare.com

Permanent Link:

isnare.com/?aid=1935940&ca=Finances}

Ahmadinejad sends letter to George W. Bush

Posted by: in Uncategorized
17
Apr

Tuesday, May 9, 2006For the first time in three decades, direct and at least partially public diplomatic communication will commence between the United States (US) and Iran. Iranian government spokesman Gholam-Hossein Elham said that Iranian president Mahmoud Ahmadinejad has sent a letter to the U.S. president George W. Bush proposing “new solutions for getting out of international problems and the current fragile situation of the world”.

Mr Gholam-Hossein Elham did not say whether the letter mentioned the nuclear dispute, one of the diplomatic problems currently straining relations between Iran and the USA. This information arrived one day after the Iranian parliament announced that it might retract from the Nuclear Non-Proliferation Treaty (NPT) if Western pressure over its programme was to increase.

Differing reports have been made as to whether or not the letter will be made public, and if so, when. In its online report of 8 May 2006, 09:25 GMT, the BBC quoted Iranian Foreign Ministry spokesman Hamid Reza Asefi as saying that the contents of the letter would be made public once Bush had received it. The updated version of the report of 8 May 2006, 14:52 GMT, quotes Asefi as saying that the contents would be made public “at the right time”. An ABC report quoted Gholam-Hossein Elham as saying “it is not an open letter.”

Iran’s foreign affairs minister, Manouchehr Mottaki, delivered the letter to the United States’ interests section in the Swiss embassy in Tehran on Monday. The United States has not held diplomatic relations with Iran since the 1979 Iranian hostage crisis.

U.S. Secretary of State Condoleezza Rice said “this letter isn’t it. This letter is not the place that one would find an opening to engage on the nuclear issue or anything of the sort.”

“It isn’t addressing the issues that we’re dealing with in a concrete way,” she added.

John R. Bolton, U.S. Ambassador to the United Nations, also read the letter, saying, “I think it is typical of Iran that when major decisions are about to be taken … that they have tried to throw sand in the eyes of the proponents of the action. That’s what this may be.”

The letter has since been put on an official Iranian website, and on Tuesday, Ahmadinejad said “the letter to US President George Bush carries the Iranian nation’s views and comments on international issues as well as suggestions for resolving the many problems facing humanity.”

Sunday, March 27, 2005

After almost a decade off the air, the science fiction television series Doctor Who returned with new episodes to BBC airwaves on Saturday night, drawing a large audience.

Starring movie actor Christopher Eccleston, the ninth actor cast to play the Doctor, as the newly reincarnated Time Lord, the new series showed off a bigger budget with expensive special effects and a much darker — and sexier — tone. The new star and series got a blessing from actor Sylvester McCoy, who played the Doctor in the 1980s.

“I am very envious about not being in it. The writing is terrific and the toys they play with are much more sophisticated than they were in my day,” McCoy wrote in a column for BBC News. “My only criticism was about the TARDIS. It was far too clean. It needs to look a bit more battered and bruised as if it’s been through the odd asteroid or two,” he said.

The Doctor’s new sidekick is played by Billie Piper, whose marriage to Chris Evans ended during filming.

“We’re pleased so many people sat down as a family to watch the return of the Doctor,” a spokesperson said. Families apparently sat down in droves. Preliminary ratings figures show Who wooing 10.5 million viewers at its peak, or more than 44 percent of all television households in the United Kingdom, for the debut episode.

This made it the most-watched show of the evening, easily outpacing second-place Ant and Dec’s Saturday Night Takeaway on ITV, which attracted an average of 7.2 million households.

The series will run for another twelve episodes.

One of the longest-running dramas in British history, Doctor Who has been airing sporadically since its debut in 1963. Ironically, the series cancellation in 1989 was due to low ratings.

The Newcastle haulage company you need to know about by Declan EllisIf you ever require a company that will offer you top class, speedy haulage Newcastle services, Mann Haulage is the organisation to contact. They offer a range of solutions depending on what you need and are known all over the country for being extremely reliable and friendly. Their services range from haulage to storage Gateshead and courier Newcastle work. Whatever you need transporting, no matter how large or small the job, this companys team will deliver.Haulage ServicesMann Haulage has a mixed fleet of vehicles and trailers that are used for haulage Newcastle, including: Artic Tractor Units, Fleet of Curtainside trailers of varying heights (including Tallboys), 26-tonne Flat Bed rigid with Hi-Ab, Fleet of Flat Bed Trailers including Coil Carriers, Fleet of Sprinters including both Curtain, Panel Sides and Flat Bed and thats just to name a few. They present themselves as a one-stop shop for all your haulage Newcastle needs, as they can offer a tailored service no matter what you need, and have dedicated vehicles that can help you with both collection and delivery all over the UK.Courier ServicesTherell be a time when you find yourself in need of a dedicated, same-day delivery to your customers that youre just not able to carry out yourself. You can rely on this companys courier Newcastle services to offer you a quick delivery that will keep your customers happy, though. All of the vehicles used for courier services are fitted with trackers, so they are able to give accurate and helpful estimated times of arrival and driver locations to their customers. With 24/7 service and vehicles always on standby and able to deliver anything from an envelope to a full trailer of cargo, you can rely on these courier Newcastle services over any other organisation.Storage ServicesAs well as brilliant courier and haulage solutions, this business offers storage Gateshead for a diverse range of customers. The storage solutions available can be long or short term to suit the customers needs, and their drivers are able to pick up and distribute items to and from their storage Gateshead unit nationwide. The storage site is operated 24 hours a day, so you can be confident in the knowledge that whatever it is you need to put away will be in good hands.About the CompanyThis haulage company is a family-ran business that was established in 2004. Theyre proud to have an outstanding reputation for punctual deliveries and wonderful customer service all over the country. Their service is personal to each of their customers and they proud members of the RHA, as well as being Bronze-accredited FORS members not forgetting that they recently became sponsors of the training shirts for Gateshead FCs U13 team. They are in partnership with a number of blue chip companies and offer dedicated vehicles and account management.To find out more about this business and the excellent services on offer, visit the Mann Haulage website or give a member of the team a call.Article Source: eArticlesOnline.com

[youtube]http://www.youtube.com/watch?v=D5WgE0gHpV0[/youtube]

Eric Bogosian on writing and the creative urge

Posted by: in Uncategorized
15
Apr

Thursday, April 17, 2008

Eric Bogosian is one of America’s great multi-dimensional talents. “There’s sort of three different careers, and any one of them could exist by itself, on its own two feet. There was that solo stuff, and then I started writing plays in the late seventies.” Although his work has spanned genres, most readers will recognize Bogosian for his acting, which has included a memorable performance in Woody Allen‘s Deconstructing Harry to co-writing and starring in the Oliver Stone movie Talk Radio (based upon his Pulitzer Prize-nominated play) to playing the bad guy in Under Siege 2 to his current role in Law & Order: Criminal Intent as Captain Danny Ross. They may not know, however, that he had collaborated with Frank Zappa on a album, worked with Sonic Youth, and was a voice on Mike Judge‘s Beavis & Butthead Do America. He started one of New York City’s largest dance companies, The Kitchen, which is still in existence. He starred alongside Val Kilmer in Wonderland and his play Talk Radio was recently revived on Broadway with Liev Schreiber in the role Bogosian wrote and made famous.

Currently at work on his third novel, tentatively titled The Artist, Bogosian spoke with David Shankbone about the craft of writing and his life as a creative.

Contents

  • 1 Bogosian’s view of his work
  • 2 How Bogosian approaches his writing
  • 3 How Bogosian works himself into his writing
  • 4 The future of the narrative
  • 5 Collaborations with Steven Spielberg and Frank Zappa
  • 6 Source

Wednesday, December 24, 2014With the English-language Wikinews continuing to increase the amount of original content published, we take a look back at some of the eighty-plus original reports from our contributors during 2014.

Saturday, May 27, 2017

On Friday, Zbigniew Brzezinski, a professor and former U.S. National Security Advisor of the Jimmy Carter administration, died at the age of 89.

The New York Times reported he died at a Falls Church, Virginia hospital.

Brzezinski’s daughter Mika announced her father’s death via Instagram. Others paid tribute to Brzezinski, including Joe Scarborough, Mika’s co-host of MSNBC’s Morning Joe, via Twitter and former U.S. president Jimmy Carter via statement.

Brzezinski was born on March 28, 1928 in Warsaw, Poland. His father Tadeusz, a diplomat, moved his family from Europe to Montreal, Canada in 1938 before World War II. Tadeusz retired from politics in 1944 when the Communists occupied his home country, so his family settled in the Canadian countryside.

Zbigniew Brzezinski earned two degrees from Canada’s McGill University and then, in the United States, earned a doctorate from Harvard University. He began his teaching career at Harvard and then Columbia University.

Throughout 1960s, Brzezinski worked for John F. Kennedy as his advisor and then the Lyndon B. Johnson administration. During the 1976 selections he advised Carter on foreign policy, then served as National Security Advisor (NSA) from 1977 to 1981, succeeding Henry Kissinger. As NSA, he assisted Carter in diplomatically handling world affairs, such as the Camp David Accords, 1978; normalizing US–China relations thought the late 1970s; the Iranian Revolution, which led to the Iran hostage crisis, 1979; and the Soviet invasion in Afghanistan, 1979.

For his role in politics, Brzezinski earned the Presidential Medal of Freedom in 1981 and later the U.S. Department of Defense Medal for Distinguished Public Service in 2016. He has lately taught international studies at the Johns Hopkins University and worked as a counselor for the Center for Strategic and International Studies.

Brzezinski wrote multiple books and some articles, including several from the 1950s.

Brzezinski was survived by his wife Eileen and his three children: daughter Mika and sons Ian and Mark.

byAlma Abell

Regardless of how diligent a homeowner is in caring for their carpets, floors are bound to get dirty. Over time, stains and dirt will build up in the carpet, creating an filthy look that cannot be washed away through traditional methods of cleaning. In order to properly maintain carpets and keep them looking like new, it is highly recommended that homeowners have their carpets professionally cleaned at least once per year, if not more. There are many advantages available to individuals through professional cleanings, all of which should be taken into consideration when selecting a contractor. With many to choose from, homeowners should be able to get a professional on site within a few days.

Carpet Cleaning in Nassau County creates a variety of benefits for homeowners. The level of benefits experienced will depend on the age of their carpet, the frequency of professional cleanings, and the contractor hired to complete the work. The most readily available benefits may include:

1. Industrial strength vacuum power is used, which ensures the carpets will be thoroughly cleaned

2. Certified equipment and cleaning solutions are utilized at every job

3. Greatly improves the air quality in the home

4. No labor is required from the homeowner

5. Saves the homeowner time

6. Helps prevent mildew and mold

7. Restores carpet to its original beauty

8. Provides protection against future stains

9. Costs are affordable

Ace Home Cleaning is a professional carpet cleaning company that provides excellent results at a price you can afford. Contractors bill for these services in a variety of different ways, with the two most popular invoicing methods being per square footage cost, or a flat rate up to a certain square footage. In some cases, stairs, and hard to remove stains are an additional cost. Due to the large number of benefits gained through Carpet Cleaning in Nassau County, it is highly recommended that individuals hire a professional as soon as they start noticing their carpets could use a little tender loving care. In most cases, the contractor is able to complete the job within one business day. After the floors have properly dried, homeowners can enjoy their newly cleaned carpets.

Monday, May 11, 2009

The Afghanistan Independent Human Rights Commission is investigating claims that the United States used white phosphorus bombs in an attack against Taliban militants on May 4. The attack is reported to have killed over 100 civilians.

The claim that the US used phosphorus bombs come from a doctor at a burn hospital in Herat that treated victims of the attack. Dr. Mohammad Aref Jalali says that many of the injured people from the Bala Baluk village in Farah Province, had “unusual” burns on their bodies.

“We cannot be 100% sure what type of chemical it was and we do not have the equipment here to find out. One of the women who came here told us that 22 members of her family were totally burned. She said a bomb distributed white powder that caught fire and then set people’s clothes alight,” said Jalali. His claims prompted the rights group to launch an investigation.

U.S. officials denied having used any chemical weapons and also deny the reports that 147 civilians had been killed in the raid. General James L. Jones, a U.S. security adviser for the military in Afghanistan apologized for the loss of civilians, but also said that the Taliban is using them as “human shields.” The U.S. also said that the Taliban had, in the past, used or possessed white phosphorus in at least 44 previous incidents. At least 11 of the incidents involved the use of white phosphorus shells.

“The insurgents possess and use white phosphorus as a weapon against people. It’s a law of war that we adhere to but the insurgents blatantly violate,” said Colonel Greg Julian, a spokesman for the U.S. military in Afghanistan. The U.S. military admits they use white phosphorus for illumination and smokescreens, but not as a weapon.

Afghanistan’s president, Hamid Karzai criticized last weeks attack saying the U.S. is losing the “moral” battle with Afghanistan in terms of civilian deaths. The U.S. military said it would work to correct any errors they make when fighting with Taliban militants.

“We’re going to take a look at trying to make sure we correct those things we can correct, but certainly to tie the hands of our commanders and say we’re not going to conduct airstrikes would be imprudent,” Jones said in an interview with ABC News, as quoted by the New York Times.

The reports of the possible use of phosphorus bombs comes just months after Israel confirmed they used at least 20 white phosphorus bombs inside civilian areas during the IDF‘s offensive in the Gaza Strip in December of 2008 through January of this year. It is reported that the bombs were 155mm, M825E1 which were made in the U.S.. Nearly 1,300 Palestinians, the majority being civilians, died and nearly 5,450 were injured during the three-week offensive. Thirteen Israeli soldiers were also killed.

Tuesday, August 3, 2010

Forecasters predict that northern lights could be visible to the naked eye late tonight and early tomorrow morning across Canada, northern parts of the U.S., and possibly the United Kingdom.

Solar storms caused a large ejection of plasma from the Sun’s surface on Sunday, and the plasma is heading directly towards Earth. The plasma, a cloud of rapidly moving hydrogen gas atoms and subatomic particles, is expected to reach us late Tuesday. The plasma will interact with the Earth’s magnetic field and atmosphere, which will cause northern lights, or aurora borealis, to be visible much further south than is usual. Northern lights usually appear as green or red rivers of lights across the sky.

“It’s the first major Earth-directed eruption in quite some time” said astronomer Leon Golub of the Harvard-Smithsonian Center for Astrophysics. The eruption was detected by NASA’s Solar Dynamics Observatory, which was launched in February 2010, and is currently orbiting the Earth.

The Sun goes through approximately eleven-year long activity cycles, with the last maximum occurring in 2001. Sunday’s eruption is a sign that the many years of inactivity is over, and the Sun is heading towards another maximum.