Tag: Life

The #transformationtuesday picture i m not proud of #real #life #recovery


If you knew nothing about me, you’d probably look at that picture and think “wow she looks great!” You’d congratulate me, tell me how awesome I am, say you envied my dedication. I’ve been told my body is “goals” and received comments on how tiny I am. People ask me how I did it, in hopes I’ll reveal some great secret they can copy.

Because unfortunately in our society, weight loss and thinness is a sign of health. We assume if someone lost weight, they must be healthier. That it’s always something to be celebrated. An achievement, a mark of success.

But for me (and for many other women), a thinner body does not mean a healthier body. In fact, it means the exact opposite.

My “perfect body” came from starving day after day, from slowly destroying myself. It’s a body without a regular menstrual cycle, with osteopenia in its bones, with a weak heart and all sorts of other damage I’m not even aware of.

I finally have the body I always dreamed of when I was younger and watched all the popular girls get asked out on dates. I have the body I thought I could never have. I surpassed the weight I had written at the top of my life goals list (sad that was the number one thing I wanted right??).

I finally have the one thing I thought would make my life perfect. And guess what. It did the opposite. Instead of giving me everything I wanted, it took it away.

And while my #transformationtuesday picture might get hundreds of likes on Instagram, while I’m hit on a lot more at bars now, while I’ve achieved what many people dream of, I’m not proud. I don’t want to be the girl on the right anymore. I don’t want to be starving and miserable and lifeless all to be the hot girl.

I would give anything to be the girl on the left again.

I would give anything to rewind to before my eating disorder, before I was a size zero, to that carefree girl who loved her life. Who exercised only when she felt like it. Who had an amazing boyfriend, great friends, and a bright future. Who could eat an entire pizza followed by ice cream without a second thought. Who felt hot af 99% of the time.

So the next time you see a before and after picture, take a minute before you comment. Remember you don’t know what it took to get there. You don’t know what demons that woman is facing, what her life looks like, what her story really is. You don’t know anything other than her size.

I’m not diminishing the people who truly lose weight for health and do it in a way that improves their lives for the better. I think that’s wonderful.

But what I’m trying to say is our society focuses way too much on “skinny at any cost”. We heap praise on those who lose weight like they just cured cancer. And when young girls see how much weight loss is valued, they sometimes fall down the slippery slope of an eating disorder. Because what girl doesn’t want to be valued and appreciated and “popular”?

Let’s look beyond the outside and praise the inside. Maybe the transformations we aim for should be the growth of our soul, our creativity, our dreams. THAT’S what should get likes on social media or guys at the bar. THAT’S what we should be teaching our daughters is what makes them worthy.

And that’s why one day I’ll be the girl on the left again. Not necessarily in size, but in spirit. In joy, in happiness, in heart.

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Structured Settlement Annuities #life #settlement #funds


What is a Structured Settlement Annuity?

A Structured Settlement Annuity (SSA) provides tax-free, periodic payments over a period of time, specifically designed to meet an injured party’s needs. Specialized consultants facilitate the settlement process, as well as help design and negotiate the structure.

Why choose a Structured Settlement?

Benefits for the injured party:

  • Features customized design: Payments are specifically tailored to meet the injured party’s particular financial needs over a defined period.
  • Emphasizes stability: Payments are designed to help meet the claimant’s current and future financial needs.
  • Promotes security: Structured settlement provide the dependability of a highly rated financial institution.

Benefits for the defendant:

  • Leads to faster settlements
  • May reduce costs
  • Avoids Jury trials
  • May allow for tax deduction (self-insured)

This material is not intended to be used, nor can it be used by any taxpayer, for the purpose of avoiding U.S. federal, state, or local tax penalties. This material is written to support the promotion or marketing of the transaction(s) or matter(s) addressed by this material. Pacific Life, its distributors, and respective representatives do not provide tax, accounting, or legal advice. Any taxpayer should seek advice based on the taxpayer’s particular circumstances from an independent tax advisor or attorney.

Pacific Life refers to Pacific Life Insurance Company and its affiliates, including Pacific Life Annuity Company. Insurance products are issued by Pacific Life Insurance Company in all states except New York and in New York by Pacific Life Annuity Company. Product availability and features may vary by state. Each insurance company is solely responsible for the financial obligations accruing under the products it issues. Insurance product and guarantees, including annuity payout rates, are backed by the financial strength and claims-paying ability of the issuing insurance company and do not protect the value of the variable investment options.

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Average Cost of Life Insurance (2017) #average #life #insurance #cost #per #month


Average Cost of Life Insurance (2017)


ValuePenguin recently took an in-depth look at the average cost of life insurance across a number of different policy durations. The largest influencing factor on life insurance prices are the health of the individual being insured. Factors such as whether or not your smoke, and what your height/weight are go a long way towards determining your annual insurance premiums. Individuals that smoke can pay 3-4x the amount that healthier, non-smokers will have to pay in premiums. Of course, life insurers will look at many other factors besides health (such as your occupation and age) but factors common in pricing other insurance products, like state of residence, won’t be a contributing factor.

Average Cost of Term Life Insurance by Age

Looking at a 20 year term policy (the most popular option) worth $250,000, we’ve determined what the average annual price is for individuals between 25 and 65. One of the clear takeaways from the table: it’s expensive to smoke! Smokers on average will pay up to 200% more for their life insurance policies than non-smokers. This disparity grows with age with 25 year old smokers paying twice as much for their insurance while 65 year old smokers pay almost 3x as much.

Monthly Life Insurance Cost (Non-Smoker)

Annual Life InsuranceCost (Non-Smoker)

Average Cost of Life Insurance By Term

Below you’ll find the average cost of life insurance broken out by number of years on the policy. Unsurprisingly so, the longer the policy term the more expensive it is. Average policy costs range from $568 per year for a 10 year term policy to $1,528 for a 30 year term policy.

Term Life Insurance Policy Costs

Term life insurance rates are typically the cheapest way for an individual to purchase life insurance coverage. They’re significantly cheaper than insuring with a whole life policy and still provide some flexibility. Our charts below detail 10, 20, and 30 year term life policies so you can see the average cost of each. As you’ll see, fewer policy coverage years equate to a cheaper monthly (or annual) premium.

Life Insurance Rates: 10 Year Term

Here we breakdown 10 year term life insurance policies and show you the average annual premiums depending on your level of health and the amount of coverage you’re interested in purchasing. Ten year policies are popular for those people who are on a very tight budget as they offer some of the cheapest rates on the market, or those who won’t require insurance after their ten years of coverage expires. If you need a reminder on what each ‘Rate Class’ entails you can click here and see our description at the bottom of the page.

Life Insurance Rates: 20 Year Term

The most popular term life insurance option on the market, the 20 year term policy provides longer coverage than its shorter-term 10 year counterpart. These policies are usually recommended for young families who often have large debts and expenses, like mortgages and school loans, that would become extremely burdensome if the breadwinner of the family happened to die unexpectedly. Twenty years is typically long enough for the family to substantially pay down these debts and reduce the potential risk of someone else having to foot the bill should something happen. Take a look at the average rates by Rate Class below:

Life Insurance Rates: 30 Year Term

Looking for a longer term life insurance policy? Thirty year term policies will provide you more flexibility but come at a much higher price. However, one of the advantages to a longer policy, such as a 30 year term, is that your premiums remain unchanged even if your health changes over the time period. So if you’re underwritten as a healthy 25 year old and find yourself overweight and out of shape at 50, fear not! Your rates will have been locked in based on your physical health when you purchased the policy. You can see below how much pricier 30 year policies are than your shorter term policy options:

Life Insurance Market Size

The life insurance market has grown by around 30% over the last ten years. Interestingly, the market grew about 28% between 2003 and 2008 before shrinking after the recession in ’08-’09. Since then it’s grown steadily and just surpassed it’s 2008 market size in 2012. Check out our graph below to see how the market has fluctuated in the last decade. All numbers in billions.

*Data from the 2012 NAIC Study


Data from this study was sourced from TIAA-CREF. Average life insurance figures were calculated by looking at four policy amounts ($100k, $250k, $500k, and $1 million) across four Rate Classes. The results were averaged to give us the number in the first table. Here’s the breakdown concerning rate classes:

Preferred Plus policies assume no tobacco use in 5 years, no serious medical issues, cholesterol levels below 210, and blood pressure that doesn’t exceed 135/85.

Preferred policies assume no tobacco use in 3 years, above average health, no serious medical issues, cholesterol levels below 250, and blood pressure that doesn’t exceed 135/85.

Select policies assume no tobacco use in 12 months, good health, blood pressure below 140/90, cholesterol below 300.

Standard policies assume tobacco use in the past year, good health, cholesterol below 300, and blood pressure readings below 140/90.

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Whole Man Ministries, whole life ministries.#Whole #life #ministries


whole life ministries

Whole life ministries

Whole life ministries

Whole life ministries

Whole life ministries

Whole life ministries

Whole life ministries

Whole life ministries

Whole life ministries

Whole life ministries

Whole life ministries

Whole life ministries

What a joy it is to introduce you to our church! You’ll discover that our passion is to provide a place where people just like you can have a life-changing experience with GOD.

At Whole Man Ministries, our doors are wide open to people from all backgrounds, regardless of where they are on their spiritual journey. We are a life-giving, multicultural church and our goal is to infuse life and GOD’S love into people and families through engaging, powerful worship services that offer biblical truth in relevant and practical ways.

We invite you to visit our Sunday Services. In the meantime, you’ll learn more about Whole Man Ministries and how to get connected by using our online resources.

Whole life ministries

Whole life ministriesWhole life ministriesWhole life ministriesWhole life ministriesWhole life ministries

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Contact Us #boston #mutual #life #insurance #phone #number


Boston Mutual Life Insurance Company
Contact Us


We‘re there for you in time of need. It‘s what families do. To speak with a Claims Representative, please contact us toll free at 877-212-2950. Or if you would like to file a claim directly, please click here for our claim forms.

Our mailing address is:

Boston Mutual Life Insurance Company
120 Royall St.
Canton, Massachusetts 02021
Fax: 781-770-0492
Business Hours: 8:00 a.m. – 5:00 p. m. ET (Mon-Fri)

Customer Service

Open communications keep families strong. That’s why we’re always ready to answer your questions and offer the help you need. To speak with a Customer Service Representative, please contact us toll free at 877-624-2249. Or if you would like to make a change to your policy, you may find the appropriate forms by clicking here.

Email Us

To send a secure e-mail, please click here to log-in or register:

Report Fraud

The Federal government estimates the annual cost of insurance fraud to be in the billions of dollars.Boston Mutual Life Insurance Company, committed to protecting our policyholders and preventing losses due to fraud, has established a Special Investigations Unit. To report suspected fraud or abuse, please call our toll-free telephone number, 1-877-213-9779.

Disaster Recovery and Business Continuity

In the event that you have a question about your coverage during a government declared Disaster Situation, occurring at either your location or ours, we ask that you please call our toll free number (800) 669-2668. All calls, as well as any mail we may receive, will be answered at either our primary administrative facility or routed to our Disaster Recovery and Business Continuity center. If necessary, additional staff will be available to assist you and informational updates may be posted on this website.

Contact Us

We’re always ready to answer your questions and offer the help you need. Contact us .

Portfolio of Products


  • Group Term Life and Accidental Death Dismemberment
  • Short Term Disability
  • Long Term Disability
  • Endowment Life Insurance
  • Accident Insurance
  • Critical Illness

Individuals Families

  • Individuals and Families
  • Individual Life Insurance
  • Individual Short Term Disability
  • Universal Life Insurance
  • Term Life Insurance
  • Final Expense Insurance

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How to Borrow From Your Life Insurance Policy: 10 Steps #how #to #collect #life


How to Borrow From Your Life Insurance Policy

Whether it be for an emergency, some needed home repairs, or that can’t-miss investment opportunity, just about everyone needs a quick infusion of cash now and then. But if you don’t have the money readily available, maybe it’s time to consider a loan. With all the financial resources that seem to be floating around out there today, you might tend to overlook one that’s probably sitting in a desk drawer or a safe deposit box—your whole life insurance policy.

Steps Edit

Part One of Three:
Determining Whether Your Policy Qualifies As a Loan Source Edit

Check to see which kind of life insurance policy you have. Not all life insurance policies allow you to borrow against them, so you need to find out the type of policy you own. The most common types of life insurance policies are:

  • Permanent life policies. These policies have a savings element along with the mortality coverage, and that is why you can borrow from them. This category can be broken down into:
    • Whole Life Insurance. You pay the same amount of premium for a specific period to receive the death benefit.
    • Universal Life Insurance (also known as “adjustable life insurance”). You can reduce or increase your death benefit, and also pay your premiums at any time and in any amount (subject to certain limits) after you’ve made your first premium payment.
    • Variable Life Insurance. Most of your premium is invested in one or more separate investment accounts, such as stocks, bonds and mutual funds. The interest that your accounts earn increases your policy’s cash value.
    • Variable Universal Life Insurance. Gives policyholders the option to invest, as well as easily change the insurance coverage amount.
  • Term Life Insurance. Pays the face amount of the policy at death, and only provides protection for a set term period (normally 30 years maximum). Does not build cash value. [1]

Find out if your particular policy permits you to take a loan. Take a look at your policy to check if there’s a loan provision. You can also contact your agent for this information. For the most part, you can borrow against a permanent life insurance policy, since it has a cash surrender value. [2] As for term life policies, these are not loan sources since they don’t have a cash value that can be borrowed. [3]

  • Only the owner of the permanent life insurance policy can borrow from it, not the insured or beneficiaries, unless they are also the owner.

Verify that your policy has enough cash value available for the loan. Check on your insurance company’s website or with your agent to find out the cash value of your policy. You can typically borrow up to the cash value you’ve accumulated in the account, but guidelines may differ from one company to the next. [4] Note that cash value grows slowly at first, so you may have to own the policy for a while (sometimes as long as ten years) before you can borrow against it. [5]

Weigh the benefits of a life insurance loan versus a conventional loan. There are several reasons a loan against your insurance policy may prove to be a better deal than a standard bank loan. Some of these are:

  • There’s no approval process, credit check, or income verification, since technically you’re borrowing against your own asset.
  • Insurance policy loans usually have much lower interest rates than bank loans.
  • You’re not limited as to how you can use the money. A bank might restrict how you can apply the loan proceeds, but an insurance policy loan has no such limitations.
  • There’s no required monthly loan payment, and there’s no payback date. The balance of the loan will be deducted from the death benefit that goes to your beneficiaries. [6]

Take into account the downside to borrowing against your life insurance. Few things in life are risk-free. And taking a loan against your insurance policy is no exception. For example:

  • If you don’t pay the interest on your loan, the insurance company will add that unpaid interest to your loan amount. This interest is subject to compounding. What that basically means is that in addition to paying interest on the actual loan amount, you’re paying interest on all the accumulated interest as well.
  • Dividends generated by the insurance policy will likely decrease as long as the loan is outstanding. Insurance dividends are basically a periodic return of your premiums. The dividend is based on the amount of your money available to be invested by the insurer. Taking the loan means that less of your money is available for investment, thus—lower dividends. [7]
  • In many cases, the cash value in your insurance policy is protected from creditors. However, once you withdraw money, the amount you take out is no longer sheltered. [8]
  • If the increasing amount of unpaid interest causes your loan balance to exceed your policy’s cash value, the insurance policy could lapse. [9]
  • To keep the policy from lapsing if your loan balance becomes greater than your policy’s cash value, you’d have to pay back the entire loan. You can’t pay it back in increments. [10]

Consider the tax consequences. The proceeds of the insurance policy loan are usually not taxable to you, as long as the loan amount is equal to or less than the total premiums you’ve paid. However, if the policy lapses, the IRS then considers your loan balance plus interest as taxable income for which you’re liable. This only occurs when the loan proceeds exceed the cash surrender value and it only applies to the difference. [11] [12]

Consider speaking with an insurance adviser or a financial planner before applying for an insurance policy loan. He or she should be able to give you guidance on the process, and perhaps suggest other alternatives for your financial needs.

Note that when you take an insurance policy loan, you’re not actually borrowing from your policy’s cash value. You’re borrowing from the insurance company, and your cash value is the collateral. [18]

Interest charged on a life insurance policy loan is generally not deductible for income tax purposes. [19]

You can stop interest on your life insurance loan from accruing, simply by paying the interest out-of-pocket. [20]

Ask your insurer about any processing fees that may be associated with the loan.

If need be, you can cancel (surrender) your life insurance policy, and collect the available cash surrender value. However, if you surrender the policy during the early years of ownership, the insurer will probably charge you “surrender” fees. Additionally, when you surrender your policy for cash, the gain is subject to income tax. [21]

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Accidental Death and Dismemberment Insurance #accidental #death #insurance #vs #life #insurance


Accidental death and dismemberment insurance

Accidental death and dismemberment Insurance (AD D) can provide benefits, but is it worth it? The additional cost and limited protection offered by accidental death and dismemberment insurance make its purchase difficult to recommend. You may want to consider also evaluating how AD D compares to other types of life insurance. such as term life insurance and permanent life insurance.

About Accidental Death and Dismemberment Insurance

AD D insurance pays you or your beneficiaries a set amount of money if your death or dismemberment is the direct result of an accident. However, there are coverage restrictions that make accidental death and dismemberment insurance far less useful.

An accidental death policy or rider (minus dismemberment coverage) is a similar policy. If, for example, you had a $100,000 life insurance policy and you added an accidental death rider, and you were killed in a covered accident, your beneficiaries would get a total of $200,000 from your life insurance and the rider. The fact that it can pay twice as much as normal is why it’s sometimes called “double indemnity.”

AD D is a limited form of insurance that covers you only in accidents.

What Does AD D Cover?

AD D insurance covers exactly what its name states: accidental death and dismemberment. What does this mean? In the event of a fatal accident or an accident that results in you losing your eyesight, speech, hearing, or a limb, AD D will pay you or your beneficiaries a specified amount. However, there are restrictions and exclusions. To receive benefits related to an accident, your injuries or death usually must occur within a few months of the accident date. Also, you will only collect benefits if your death or injuries are proven, direct results of the accident.

Dismemberment coverage works on a “per-member” basis. If you lose one member (a hand, foot, limb, sight in one eye, speech or hearing), the insurance company will usually pay 50 percent of the full benefit. If you lose two members, you will receive the whole benefit. Coverage amounts for partial or complete paralysis vary, but are usually 25 or 50 percent.

Optional coverages sometimes include hospital stay coverage after an accident, and spouse and children coverage.

What Does AD D Not Cover?

Typical exclusions of AD D coverage include death during surgery, resulting from a mental or physical illness, bacterial infection, hernia, or a drug overdose. In addition, many policies do not cover “risky activities,” such as skydiving, car racing, and involvement in a war. “It is important to read the fine print when applying for this kind of policy. While it may seem like you’re getting better and more adequate coverage, in reality, you’re probably not,” says Belden.

Where to Buy AD D

You can generally purchase accidental death and dismemberment insurance as a separate policy or as a rider (endorsement) on a basic life, health or other insurance policy. AD D policies are typically issued by major insurers and can also be purchased through credit card offers or credit unions. Some life or health insurance companies may include or offer AD D in their group insurance plans.

Is Accident Protection Worth It?

Depending on the amount of coverage purchased and the benefits it provides, AD D insurance premiums can cost as little as $60 per year. The low cost of accidental death and dismemberment insurance also means it doesn’t provide much benefit. In fact, it usually only provides a small amount of peace of mind. It’s generally more cost-effective to put the money you’d be paying toward the premium into a standard life or other insurance policy instead.

Will It Really Help?

If it’s very likely that you’ll die or become dismembered as the direct result of an accident, an AD D policy may be a good idea, although you may have a higher premium if you’re at high-risk because of your occupation or activities. Having additional coverage doesn’t hurt, but realize that an accidental death and dismemberment policy is extremely specific and thus unlikely to pay a benefit. If you already have a life insurance policy, purchasing a larger benefit amount might not cost much more, and it will cover more circumstances with fewer exclusions.

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Shakespeare Resource Center – Shakespeare s Biography #shakespeare, #william #shakespeare, #bard, #life, #stratford, #john


Shakespeare’s Biography

Shakespeare’s Last Will and Testament

For all his fame and celebration, William Shakespeare remains a mysterious figure with regards to personal history. There are just two primary sources for information on the Bard: his works, and various legal and church documents that have survived from Elizabethan times. Naturally, there are many gaps in this body of information, which tells us little about Shakespeare the man.

William Shakespeare was born in Stratford-upon-Avon, allegedly on April 23, 1564. Church records from Holy Trinity Church indicate that he was baptized there on April 26, 1564. Young William was born of John Shakespeare, a glover and leather merchant, and Mary Arden, a landed local heiress. William, according to the church register, was the third of eight children in the Shakespeare household three of whom died in childhood. John Shakespeare had a remarkable run of success as a merchant, alderman, and high bailiff of Stratford, during William’s early childhood. His fortunes declined, however, in the late 1570s.

There is great conjecture about Shakespeare’s childhood years, especially regarding his education. Scholars surmise that Shakespeare attended the grammar school in Stratford. While there are no records extant to prove this claim, Shakespeare’s knowledge of Latin and Classical Greek would tend to support this theory. In addition, Shakespeare’s first biographer, Nicholas Rowe, wrote that John Shakespeare had placed William for some time in a free school. John Shakespeare, as a Stratford official, would have been granted a waiver of tuition for his son. As the records do not exist, we do not know how long William may have attended the school, but the literary quality of his works suggests a solid educational foundation. What is certain is that William Shakespeare never proceeded to university schooling, which has contributed to the debate about the authorship of his works.

The next documented event in Shakespeare’s life is his marriage to Anne Hathaway on November 28, 1582. William was 18 at the time, and Anne was 26 and pregnant. Their first daughter, Susanna, was born on May 26, 1583. The couple later had twins, Hamnet and Judith, born February 2, 1585 and christened at Holy Trinity. Hamnet died in childhood at the age of 11, on August 11, 1596.

For the seven years following the birth of his twins, William Shakespeare disappears from all records, finally turning up again in London some time in 1592. This period, known as the Lost Years , has sparked as much controversy about Shakespeare’s life as any period. Rowe notes that young Shakespeare was quite fond of poaching, and may have had to flee Stratford after an incident with Sir Thomas Lucy, whose deer and rabbits he allegedly poached. There is also rumor of Shakespeare working as an assistant schoolmaster in Lancashire for a time, though this is circumstantial at best.

It is estimated that Shakespeare arrived in London around 1588 and began to establish himself as an actor and playwright. Evidently Shakespeare garnered some envy early on, as related by the critical attack of Robert Greene, a London playwright, in 1592: . an upstart crow, beautified with our feathers, that with his Tiger’s heart wrapped in a player’s hide, supposes he is as well able to bombast out a blank verse as the best of you: and being an absolute Johannes fac totum. is in his own conceit the only Shake-scene in a country.

Greene’s bombast notwithstanding, Shakespeare must have shown considerable promise. By 1594, he was not only acting and writing for the Lord Chamberlain’s Men (called the King’s Men after the ascension of James I in 1603), but was a managing partner in the operation as well. With Will Kempe, a master comedian, and Richard Burbage, a leading tragic actor of the day, the Lord Chamberlain’s Men became a favorite London troupe, patronized by royalty and made popular by the theatre-going public.

Shakespeare’s accomplishments are apparent when studied against other playwrights of this age. His company was the most successful in London in his day. He had plays published and sold in octavo editions, or penny-copies to the more literate of his audiences. Never before had a playwright enjoyed sufficient acclaim to see his works published and sold as popular literature in the midst of his career. In addition, Shakespeare’s ownership share in both the theatrical company and the Globe itself made him as much an entrepeneur as artist. While Shakespeare might not be accounted wealthy by London standards, his success allowed him to purchase New House and retire in comfort to Stratford in 1611.

William Shakespeare wrote his will in 1611. bequeathing his properties to his daughter Susanna (married in 1607 to Dr. John Hall). To his surviving daughter Judith, he left 300, and to his wife Anne left “my second best bed.” William Shakespeare allegedly died on his birthday, April 23, 1616. This is probably more of a romantic myth than reality, but Shakespeare was interred at Holy Trinity in Stratford on April 25. In 1623, two working companions of Shakespeare from the Lord Chamberlain’s Men, John Heminges and Henry Condell, printed the First Folio edition of his collected plays, of which half were previously unpublished.

William Shakespeare’s legacy is a body of work that will never again be equaled in Western civilization. His words have endured for 400 years, and still reach across the centuries as powerfully as ever. Even in death, he leaves a final piece of verse as his epitaph:

Good friend, for Jesus’ sake forbeare
To dig the dust enclosed here.
Blessed be the man that spares these stones,
And cursed be he that moves my bones.

Mrs. Shakespeare: Anne Hathaway What we don’t know about Anne Shakespeare could fill a book. Or several, judging from the published speculation focused on her life and marriage. Shakespeare’s Lost Years William Shakespeare may be the most famous writer in Western literature, but his whereabouts from 1585 to 1592 are a mystery. The ensuing speculation has spawned many interesting theories without producing much hard evidence. In Search of Shakespeare In this groundbreaking, four-part series, PBS explores the life of the world’s greatest and most famous writer. Introducing Mr. William Shakespeare Leigh T. Denault presents a great succinct biography sketch of Shakespeare. Shakespeare Biography From Absolute Shakespeare; describes all that is known about Shakespeare’s life from available documentation including court and church records, marriage certificates and criticisms by Shakespeare’s rivals. Shakespeare’s Biography (Shakespeare Online) An in-depth and accurate biography of William Shakespeare. Shakespeare’s Life (Folger Shakespeare Library) From the website of the world-renowned Folger Shakespeare Library, the largest collection of Shakespeare materials and other Renaissance works. The Shakespeare Paper Trail: The Early Years The BBC presents Michael Wood’s search through the limited historical record of Shakespeare’s early life in Stratford. William Shakespeare Biography An online overview of the Bard’s life from eNotes Shakespeare. William Shakespeare Biography The William Shakespeare page at Biography.com. William Shakespeare Biography and Works An brief biography of William Shakespeare from The Literature Network. William Shakspere Documentary Evidence An online presentation of all the documentary evidence we have on Shakespeare.

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Only Insurance Leads, exclusive life insurance leads.#Exclusive #life #insurance #leads


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Print Production, Quality Assurance and On-Time Mailing

After you remove any current clients, we’ll prepare your direct mail campaign for printing by merging each prospect’s specific home data including year built, square footage and a custom insurance quote, with your chosen template. Once completed, our Quality Assurance department will verify that each prospect’s quote contains all of the correct variable data information.

Each quote is printed, folded, inserted, sealed and addressed on the same professional, high quality digital presses and other equipment used every day by top direct mail companies. After your quotes are printed, we inspect the quality and accuracy of your job before it is mailed.

Quality assurance is very important to us. We have 9 separate quality control checks before one letter is mailed to ensure an absolutely perfect mailing, 100% guaranteed!

Exclusive life insurance leads

Prospects turn into customers

This is why you hired us right? When prospects become customers they also become customers for other insurance products that you offer such as auto, umbrella, life, commercial and even financial services. They usually become good referral sources, too. We think you’ll do better, but even if only one prospect turns into an 8-year client, this single conversion covers the costs of our services each month.

Better ROI using big data and personalization

Exclusive life insurance leads

Targeting the right homes at the right time

We won’t waste your money mailing out hundreds or thousands of generic “one size fits all” quotes to every home in a zip code. Instead we use advanced computer modeling to mail individualized and personalized accurate quotes to homes that are within 30-45 days of insurance renewal and where your rates are most competitive ensuring the best possible ROI for your agency.

The consumer data we use in your direct mail campaigns is obtained from the largest data vendor on the globe. It is absolutely the cleanest and most accurate data available anywhere.

Exclusive life insurance leads

Personalized accurate quotes

Prospects are much more likely to respond to an individualized and customized letter rather than a generic direct mail advertisement. But personalization is more than just putting a prospect’s name on a quote. Our quotes also contain the prospect’s specific home data including square footage and year built. In addition, our program also uses your carrier’s premiums to generate personalized and accurate insurance quotes for every targeted home in the sales area of your choice.

Exclusive and completely turn-key

Exclusive life insurance leads

Exclusively yours

When we say that we want you to write more policies and get the best ROI possible, we mean it. One of the ways we help to ensure this is to give every agency a first-come, first-serve exclusive right to its preferred target zip codes. That means no other agents will be competing against you using our service.

Exclusive life insurance leads

You handle the policies. We’ll handle the mail.

Spend your time writing policies, not creating marketing content and paying your staff to manage a direct mail marketing program. We provide data acquisition, spot-on accurate quotes, proven customizable templates, professional printing, folding, inserting, sealing, postage and mailing via USPS.

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OHosti – Best Free Unlimited Hosting cPanel – Powerful Unlimited Free Reseller Hosting WHM


Free Unlimited Hosting cPanel

Free Unlimited WHM Reseller Hosting

Free Domain Name !

Free VPS Hosting (90 Days)!

OHosti Powerful Features!

Free Unlimited Web Hosting Features :

Flexible, Easy to Use Control Panel . Unlimited Bandwidth. Unlimited Sub Domains, FTP Accounts, and Email Accounts. 99.9% Uptime Guarantee Build your website using the latest languages including PHP, Ruby, PERL, Python, PostgreSQL, MySQL and more. We also provide SSH access on all Business Hosting plans and have enabled WP-CLI for easy WordPress management.

Why is Our Free VPS Hosting different than Shared and Dedicated?

With our OHosti VPS, you get an entire server. This is optimal for people that have very high traffic to their websites or need to setup their server in a very specific way. Not everyone needs to have a fully dedicated web server however. If you’re just getting started with your website, you can save quite a bit of money if you get a free small portion of the server. Shared hosting is when you share a portion of the server with other users rather than rent an entire server to yourself. If you are considering a dedicated server and are unsure if it is right for you, perhaps you will need to get Free VPS Hosting.

What is our free reseller hosting included?

Everything you need to get started is included in our Reseller packages for a single, no price (free) :

Free cPanel:
Unlike other hosting companies, we never charge you or your clients a fee to manage the content and setup of their websites. cPanel makes that easy.

Free Domains Resales:
Not only can you sell web hosting, our Reseller Program also gives you the ability to sell domain names.

We offer a variety of email protocols, meaning your clients can check emails anywhere, on any device, easily.

Free Backups and Installers:
We include the Softaculous auto-installer totally Free, so you and your clients can set up websites at the click of a button, and we back your sites up every 24-36 hours, automatically.

Frequently Asked Questions?

Why is it all free on OHosti? How do you earn?

We’ve been providing leading free cPanel hosting services with No Ads. All this is made possible by our Paid Dedicated Servers services, including upgrades for those who need more room for growth, as well as donations from our community of users.

How long will your hosting be free?

Forever! We have provided Paid Servers services since 2010 and we have been in free hosting business since 2009.

What are your guarantees?

1. Our hosting will always be 100% free!

2. We own all our servers and locate them in high quality data centers, so no one can shut down or reload any server with your data.

3. We utilise dedicated connections to ensure we can provide enough bandwidth for all our users.

Free Domain Name Privacy

Did you know that whenever a domain name is registered, The Internet Corporation for Assigned Names and Numbers (ICANN) requires your personal information be published in the WHOIS database? This includes your mailing address, phone number and email address!

With Domain Privacy Protection from OHosti Hosting we will make our information available to the public instead of yours. This can help protect you from potential spammers, telemarketers and even identity thieves. This wouldn’t cost you any thing only $0.00 annually! (Fully Free). Otherwise we would have to use the information we currently have on file for your account.

Your name will remain as the registrant contact so that you retain complete ownership of the domain.

You can register a free .com. net. org. tk. ml. ga. cf. gq (including Special Domains).

Domain Privacy Protection is available with all hosting accounts, including shared hosting, vps hosting, and our dedicated servers.

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Build your website in 4 easy steps:

  • 01 Login to Site Builder
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