Facts You Should Know BEFORE You Purchase Life Insurance!
Types of life insurance
Life insurance may be divided into two basic classes – temporary and permanent or following subclasses - term, universal, whole life and endowment life insurance. Learn More About Life Insurance BEFORE you purchase!
Temporary Term Insurance
Term assurance: provides for life insurance coverage for a specified term of years for a specified premium. The policy does not accumulate cash value. Term is generally considered "pure" insurance, where the premium buys protection in the event of death and nothing else.
There are three key factors to be considered in term insurance:
1. Face amount (protection or death benefit),
2. Premium to be paid (cost to the insured), and
3. Length of coverage (term).
Various insurance companies sell term insurance with many different combinations of these three parameters. The face amount can remain constant or decline. The term can be for one or more years. The premium can remain level or increase. A common type of term is called annual renewable term. It is a one year policy but the insurance company guarantees it will issue a policy of equal or lesser amount without regard to the insurability of the insured and with a premium set for the insured's age at that time. Another common type of term insurance is mortgage insurance, which is usually a level premium, declining face value policy. The face amount is intended to equal the amount of the mortgage on the policy owner's residence so the mortgage will be paid if the insured dies.
A policy holder insures his life for a specified term. If he dies before that specified term is up, his estate or named beneficiary receives a payout. If he does not die before the term is up, he receives nothing. In the past these policies would almost always exclude suicide. However, after a number of court judgments against the industry, payouts do occur on death by suicide (presumably except for in the unlikely case that it can be shown that the suicide was just to benefit from the policy). Generally, if an insured person commits suicide within the first two policy years, the insurer will return the premiums paid. However, a death benefit will usually be paid if the suicide occurs after the two year period.
Permanent Life Insurance
Permanent life insurance is life insurance that remains in force (in-line) until the policy matures (pays out), unless the owner fails to pay the premium when due (the policy expires OR policies lapse). The policy cannot be canceled by the insurer for any reason except fraud in the application, and that cancellation must occur within a period of time defined by law (usually two years). Permanent insurance builds a cash value that reduces the amount at risk to the insurance company and thus the insurance expense over time. This means that a policy with a million dollar face value can be relatively expensive to a 70 year old. The owner can access the money in the cash value by withdrawing money, borrowing the cash value, or surrendering the policy and receiving the surrender value.
The four basic types of permanent insurance are whole life, universal life, limited pay and endowment.
Whole life coverage
Whole life insurance provides for a level premium, and a cash value table included in the policy guaranteed by the company. The primary advantages of whole life are guaranteed death benefits, guaranteed cash values, fixed and known annual premiums, and mortality and expense charges will not reduce the cash value shown in the policy. The primary disadvantages of whole life are premium inflexibility, and the internal rate of return in the policy may not be competitive with other savings alternatives. Also, the cash values are generally kept by the insurance company at the time of death, the death benefit only to the beneficiaries. Riders are available that can allow one to increase the death benefit by paying additional premium. The death benefit can also be increased through the use of policy dividends. Dividends cannot be guaranteed and may be higher or lower than historical rates over time. Premiums are much higher than term insurance in the short-term, but cumulative premiums are roughly equal if policies are kept in force until average life expectancy.
Cash value can be accessed at any time through policy "loans". Since these loans decrease the death benefit if not paid back, payback is optional. Cash values are not paid to the beneficiary upon the death of the insured; the beneficiary receives the death benefit only. If the dividend option: Paid up additions is elected, dividend cash values will purchase additional death benefit which will increase the death benefit of the policy to the named beneficiary.
Universal life coverage
Universal life insurance (UL) is a relatively new insurance product intended to provide permanent insurance coverage with greater flexibility in premium payment and the potential for a higher internal rate of return. There are several types of universal life insurance policies which include "interest sensitive" (also known as "traditional fixed universal life insurance"), variable universal life insurance, and equity indexed universal life insurance.
A universal life insurance policy includes a cash account. Premiums increase the cash account. Interest is paid within the policy (credited) on the account at a rate specified by the company. Mortality charges and administrative costs are then charged against (reduce) the cash account. The surrender value of the policy is the amount remaining in the cash account less applicable surrender charges, if any.
With all life insurance, there are basically two functions that make it work. There's a mortality function and a cash function. The mortality function would be the classical notion of pooling risk where the premiums paid by everybody else would cover the death benefit for the one or two who will die for a given period of time. The cash function inherent in all life insurance says that if a person is to reach age 95 to 100 (the age varies depending on state and company), then the policy matures and endows the face value of the policy.
Actuarially, it is reasoned that out of a group of 1000 people, if even 10 of them live to age 95, then the mortality function alone will not be able to cover the cash function. So in order to cover the cash function, a minimum rate of investment return on the premiums will be required in the event that a policy matures.
Universal life insurance addresses the perceived disadvantages of whole life. Premiums are flexible. Depending on how interest is credited, the internal rate of return can be higher because it moves with prevailing interest rates (interest-sensitive) or the financial markets (Equity Indexed Universal Life and Variable Universal Life). Mortality costs and administrative charges are known. And cash value may be considered more easily attainable because the owner can discontinue premiums if the cash value allows it. And universal life has a more flexible death benefit because the owner can select one of two death benefit options, Option A and Option B.
Option A pays the face amount at death as it's designed to have the cash value equal the death benefit at maturity (usually at age 95 or 100). With each premium payment, the policy owner is reducing the cost of insurance until the cash value reaches the face amount upon maturity.
Option B pays the face amount plus the cash value, as it's designed to increase the net death benefit as cash values accumulate. Option B offers the benefit of an increasing death benefit every year that the policy stays in force. The drawback to option B is that because the cash value is accumulated "on top of" the death benefit, the cost of insurance never decreases as premium payments are made. Thus, as the insured gets older, the policy owner is faced with an ever increasing cost of insurance (it costs more money to provide the same initial face amount of insurance as the insured gets older).
Limited-pay
Another type of permanent insurance is Limited-pay life insurance, in which all the premiums are paid over a specified period after which no additional premiums are due to keep the policy in force. Common limited pay periods include 10-year, 20-year, and paid-up at age 65.
Endowments
Endowments are policies in which the cash value built up inside the policy, equals the death benefit (face amount) at a certain age. The age this commences is known as the endowment age. Endowments are considerably more expensive (in terms of annual premiums) than either whole life or universal life because the premium paying period is shortened and the endowment date is earlier.
In the United States, the Technical Corrections Act of 1988 tightened the rules on tax shelters (creating modified endowments). These follow tax rules as annuities and IRAs do.
Endowment Insurance is paid out whether the insured lives or dies, after a specific period (e.g. 15 years) or a specific age (e.g. 65).
Accidental Death
Accidental death is a limited life insurance that is designed to cover the insured when they pass away due to an accident. Accidents include anything from an injury, but do not typically cover any deaths resulting from health problems or suicide. Because they only cover accidents, these policies are much less expensive than other life insurances.
It is also very commonly offered as "accidental death and dismemberment insurance", also known as an AD&D policy. In an AD&D policy, benefits are available not only for accidental death, but also for loss of limbs or bodily functions such as sight and hearing, etc.
Accidental death and AD&D policies very rarely pay a benefit; either the cause of death is not covered, or the coverage is not maintained after the accident until death occurs. To be aware of what coverage they have, an insured should always review their policy for what it covers and what it excludes. Often, it does not cover an insured who puts themselves at risk in activities such as: parachuting, flying an airplane, professional sports, or involvement in a war (military or not). Also, some insurers will exclude death and injury caused by proximate causes due to (but not limited to) racing on wheels and mountaineering.
Accidental death benefits can also be added to a standard life insurance policy as a rider. If this rider is purchased, the policy will generally pay double the face amount if the insured dies due to an accident. This used to be commonly referred to as a double indemnity coverage. In some cases, some companies may even offer a triple indemnity cover.
Life Insurance Facts You Should Know BEFORE You Purchase!
Tuesday, July 14, 2009
Life Insurance
Life Insurance...Facts You Should Know!
Life insurance or life assurance is a contract between the policy owner and the insurer, where the insurer agrees to pay a sum of money upon the occurrence of the insured individual's or individuals' death or other event, such as terminal illness or critical illness. In return, the policy owner agrees to pay a stipulated amount called a premium at regular intervals or in lump sums. There may be designs in some countries where bills and death expenses plus catering for after funeral expenses should be included in Policy Premium. In the United States, the predominant form simply specifies a lump sum to be paid on the insured's demise.
As with most insurance policies, life insurance is a contract between the insurer and the policy owner whereby a benefit is paid to the designated beneficiaries if an insured event occurs which is covered by the policy.
The value for the policyholder is derived, not from an actual claim event, rather it is the value derived from the 'peace of mind' experienced by the policyholder, due to the negating of adverse financial consequences caused by the death of the Life Assured.
To be a life policy the insured event must be based upon the lives of the people named in the policy.
Insured events that may be covered include:
* Serious illness
Life policies are legal contracts and the terms of the contract describe the limitations of the insured events. Specific exclusions are often written into the contract to limit the liability of the insurer; for example claims relating to suicide, fraud, war, riot and civil commotion.
Life-based contracts tend to fall into two major categories:
* Protection policies - designed to provide a benefit in the event of specified event, typically a lump sum payment. A common form of this design is term insurance.
* Investment policies - where the main objective is to facilitate the growth of capital by regular or single premiums. Common forms (in the US anyway) are whole life, universal life and variable life policies.
Prudential Financial, Inc.
(NYSE: PRU) is a Fortune Global 500 and Fortune 500 company whose subsidiaries provide insurance, investment management, and other financial products and services to both retail and institutional customers throughout the United States and in over 30 other countries. Principal products and services provided include life insurance, annuities, mutual funds, pension- and retirement-related investments, administration and asset management, securities brokerage services, and commercial and residential real estate in many states of the U.S.
It provides these products and services to individual and institutional customers through distribution networks in the financial services industry. In 1981, the company acquired Bache & Co., a stock brokerage service now operating as a wholly owned subsidiary. Prudential has operations in the United States, Asia, Europe and Latin America and has organized its principal operations into the Financial Services Businesses and the Closed Block Business.
Prudential is composed of hundreds of subsidiaries and holds more than $2 trillion of life insurance. Its logo is the Rock of Gibraltar.
Started in Newark, New Jersey in 1875, Prudential Financial, Inc. as it is known today, was originally called the "The Widows and Orphans Friendly Society" and was founded by John F. Dryden, who later became a U.S. Senator. It sold one product in the beginning, burial insurance. John F. Dryden was president of Prudential until 1912. He was succeeded by his son Forrest F. Dryden, who was the president until 1922.
Prudential has evolved from a mutual insurance company (owned by its policyholders) to a joint stock company. It is now traded on the New York Stock Exchange under the symbol PRU. The Prudential Stock was issued and started trading on the New York Stock Exchange on December 13, 2001. On October 16, 2007 the Fox Business Channel picked Prudential as part of its Fox50 Index.
In 1999, Prudential sold its healthcare division, Prudential HealthCare, to Aetna for $1 billion.
On May 1, 2003, Prudential formalized the acquisition of American Skandia, the largest distributor of variable annuities through independent financial professionals in the United States. The combination of American Skandia variable annuities and Prudential fixed annuities was part of Prudential's strategy to acquire complementary businesses that help meet retirement goals.
In April 2004, the company acquired the retirement business of CIGNA Corporation.
On August 1, 2004, the U.S. Office of Homeland Security announced the discovery of terrorist threats against the Prudential Financial headquarters in Newark, New Jersey, prompting large-scale security measures such as concrete barriers and internal security changes such as X-ray machines.
On August 28, 2006, federal and state securities regulators and the Department of Justice announced parallel settlements and a total of $600 million in monetary sanctions against Prudential Securities, Inc. (now known as Prudential Equity Group ) for misconduct relating to improper market timing.
On November 28, 2007, Prudential Financial board of directors elected a new CEO
"The board of directors of Prudential Financial Inc. has elected a new chief executive officer. Vice chairman John R. Strangfeld will take the reins of the Newark-based insurance and financial services company on Jan. 1. Strangfeld, 53, currently runs all of Prudential's U.S. businesses. He succeeds Arthur F. Ryan, who is retiring as CEO at the end of 2007. Strangfeld also will become chairman after Ryan retires from that job in May 2008."
Before You Purchase Life Insurance...CLICK HERE!
Life insurance or life assurance is a contract between the policy owner and the insurer, where the insurer agrees to pay a sum of money upon the occurrence of the insured individual's or individuals' death or other event, such as terminal illness or critical illness. In return, the policy owner agrees to pay a stipulated amount called a premium at regular intervals or in lump sums. There may be designs in some countries where bills and death expenses plus catering for after funeral expenses should be included in Policy Premium. In the United States, the predominant form simply specifies a lump sum to be paid on the insured's demise.
As with most insurance policies, life insurance is a contract between the insurer and the policy owner whereby a benefit is paid to the designated beneficiaries if an insured event occurs which is covered by the policy.
The value for the policyholder is derived, not from an actual claim event, rather it is the value derived from the 'peace of mind' experienced by the policyholder, due to the negating of adverse financial consequences caused by the death of the Life Assured.
To be a life policy the insured event must be based upon the lives of the people named in the policy.
Insured events that may be covered include:
* Serious illness
Life policies are legal contracts and the terms of the contract describe the limitations of the insured events. Specific exclusions are often written into the contract to limit the liability of the insurer; for example claims relating to suicide, fraud, war, riot and civil commotion.
Life-based contracts tend to fall into two major categories:
* Protection policies - designed to provide a benefit in the event of specified event, typically a lump sum payment. A common form of this design is term insurance.
* Investment policies - where the main objective is to facilitate the growth of capital by regular or single premiums. Common forms (in the US anyway) are whole life, universal life and variable life policies.
Prudential Financial, Inc.
(NYSE: PRU) is a Fortune Global 500 and Fortune 500 company whose subsidiaries provide insurance, investment management, and other financial products and services to both retail and institutional customers throughout the United States and in over 30 other countries. Principal products and services provided include life insurance, annuities, mutual funds, pension- and retirement-related investments, administration and asset management, securities brokerage services, and commercial and residential real estate in many states of the U.S.
It provides these products and services to individual and institutional customers through distribution networks in the financial services industry. In 1981, the company acquired Bache & Co., a stock brokerage service now operating as a wholly owned subsidiary. Prudential has operations in the United States, Asia, Europe and Latin America and has organized its principal operations into the Financial Services Businesses and the Closed Block Business.
Prudential is composed of hundreds of subsidiaries and holds more than $2 trillion of life insurance. Its logo is the Rock of Gibraltar.
Started in Newark, New Jersey in 1875, Prudential Financial, Inc. as it is known today, was originally called the "The Widows and Orphans Friendly Society" and was founded by John F. Dryden, who later became a U.S. Senator. It sold one product in the beginning, burial insurance. John F. Dryden was president of Prudential until 1912. He was succeeded by his son Forrest F. Dryden, who was the president until 1922.
Prudential has evolved from a mutual insurance company (owned by its policyholders) to a joint stock company. It is now traded on the New York Stock Exchange under the symbol PRU. The Prudential Stock was issued and started trading on the New York Stock Exchange on December 13, 2001. On October 16, 2007 the Fox Business Channel picked Prudential as part of its Fox50 Index.
In 1999, Prudential sold its healthcare division, Prudential HealthCare, to Aetna for $1 billion.
On May 1, 2003, Prudential formalized the acquisition of American Skandia, the largest distributor of variable annuities through independent financial professionals in the United States. The combination of American Skandia variable annuities and Prudential fixed annuities was part of Prudential's strategy to acquire complementary businesses that help meet retirement goals.
In April 2004, the company acquired the retirement business of CIGNA Corporation.
On August 1, 2004, the U.S. Office of Homeland Security announced the discovery of terrorist threats against the Prudential Financial headquarters in Newark, New Jersey, prompting large-scale security measures such as concrete barriers and internal security changes such as X-ray machines.
On August 28, 2006, federal and state securities regulators and the Department of Justice announced parallel settlements and a total of $600 million in monetary sanctions against Prudential Securities, Inc. (now known as Prudential Equity Group ) for misconduct relating to improper market timing.
On November 28, 2007, Prudential Financial board of directors elected a new CEO
"The board of directors of Prudential Financial Inc. has elected a new chief executive officer. Vice chairman John R. Strangfeld will take the reins of the Newark-based insurance and financial services company on Jan. 1. Strangfeld, 53, currently runs all of Prudential's U.S. businesses. He succeeds Arthur F. Ryan, who is retiring as CEO at the end of 2007. Strangfeld also will become chairman after Ryan retires from that job in May 2008."
Before You Purchase Life Insurance...CLICK HERE!
Money Talks
Money Talks
Money Talks and...
You know the rest of that tune, right? All the financial advisers in the world are trying to get you to spend your money, save your money, while all the while, they secretly are trying GET your money!
Money Talks is a straight shooting newsletter that will tell you the real truth about finances, the financial institutions, and how your money is being sucked from your account, without you even knowing it!
Money Talks will tell you the truth, even if it hurts! Money Talks breaks the mold on financial planning, and financial planning, that will empower you with the ability to actually recover lost wealth!
Signup for the Money Talks Newsletter HERE...
The Money Talks Newsletter
rbjewell1.money@info.trafficwave.net
http://www.moneyteleseminars.com
Money Talks and...
You know the rest of that tune, right? All the financial advisers in the world are trying to get you to spend your money, save your money, while all the while, they secretly are trying GET your money!
Money Talks is a straight shooting newsletter that will tell you the real truth about finances, the financial institutions, and how your money is being sucked from your account, without you even knowing it!
Money Talks will tell you the truth, even if it hurts! Money Talks breaks the mold on financial planning, and financial planning, that will empower you with the ability to actually recover lost wealth!
Signup for the Money Talks Newsletter HERE...
The Money Talks Newsletter
rbjewell1.money@info.trafficwave.net
http://www.moneyteleseminars.com
SEO Newsletter
The new SEO newsletter concerning comment marketing is ready.
Comment Marketing
--
Search engine optimization (SEO) is the process of improving the volume or quality of traffic to a web site from search engines via "natural" ("organic" or "algorithmic") search results. Typically, the earlier a site appears in the search results list, the more visitors it will receive from the search engine. SEO may target different kinds of search, including image search, local search, and industry-specific vertical search engines. This gives a web site web presence.
As an Internet marketing strategy, SEO considers how search engines work and what people search for. Optimizing a website primarily involves editing its content and HTML coding to both increase its relevance to specific keywords and to remove barriers to the indexing activities of search engines.
Butch Hamilton-The Wildcat SEO Master
The Most Consistent and Proficient Author on Google Today!
1-806-874-3314
To contact me for SEO services Email to:
butchhamilton.seoservices@info.trafficwave.net
http://butchhamilton.com
http://domains-free-hosting.com
Signup for the Domains Newsletter Below!
butchhamilton.domains@info.trafficwave.net
Comment Marketing
--
Search engine optimization (SEO) is the process of improving the volume or quality of traffic to a web site from search engines via "natural" ("organic" or "algorithmic") search results. Typically, the earlier a site appears in the search results list, the more visitors it will receive from the search engine. SEO may target different kinds of search, including image search, local search, and industry-specific vertical search engines. This gives a web site web presence.
As an Internet marketing strategy, SEO considers how search engines work and what people search for. Optimizing a website primarily involves editing its content and HTML coding to both increase its relevance to specific keywords and to remove barriers to the indexing activities of search engines.
Butch Hamilton-The Wildcat SEO Master
The Most Consistent and Proficient Author on Google Today!
1-806-874-3314
To contact me for SEO services Email to:
butchhamilton.seoservices@info.trafficwave.net
http://butchhamilton.com
http://domains-free-hosting.com
Signup for the Domains Newsletter Below!
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Monday, July 13, 2009
Post to the SEO Forum
After several months of evaluating and polishing the new Internet Tales and Tips SEO Forum, it is time to open this up to the Google readers. I will be placing different categories for which you to post your services. Feel free to post anything you like, and as often as you like.
Since this is a password protected site, you will need the secret code in order to join. I will be putting in place an autoresponder soon. You will simply optin, and then your secret password will be emailed to you. Be sure to watch your inbox for this information.
To optin and receive the secret code, go to: http://www.trafficwave.net/lcp/butchhamilton/internettalesandtips/9339
Be sure to watch your inbox for the verification. You will receive the code instantly, and then, simply go to work posting!
There are many benefits given to you for posting your articles, commentaries, insights and perspectives about your online business opportunities. I will be offering suggestions to your inbox, when you optin on the above link.
--
Search engine optimization (SEO) is the process of improving the volume or quality of traffic to a web site from search engines via "natural" ("organic" or "algorithmic") search results. Typically, the earlier a site appears in the search results list, the more visitors it will receive from the search engine. SEO may target different kinds of search, including image search, local search, and industry-specific vertical search engines. This gives a web site web presence.
As an Internet marketing strategy, SEO considers how search engines work and what people search for. Optimizing a website primarily involves editing its content and HTML coding to both increase its relevance to specific keywords and to remove barriers to the indexing activities of search engines.
Butch Hamilton-The Wildcat SEO Master
The Most Consistent and Proficient Author on Google Today!
1-806-874-3314
To contact me for SEO services Email to:
butchhamilton.seoservices@info.trafficwave.net
http://butchhamilton.com
http://domains-free-hosting.com
Signup for the Domains Newsletter Below!
butchhamilton.domains@info.trafficwave.net
Since this is a password protected site, you will need the secret code in order to join. I will be putting in place an autoresponder soon. You will simply optin, and then your secret password will be emailed to you. Be sure to watch your inbox for this information.
To optin and receive the secret code, go to: http://www.trafficwave.net/lcp/butchhamilton/internettalesandtips/9339
Be sure to watch your inbox for the verification. You will receive the code instantly, and then, simply go to work posting!
There are many benefits given to you for posting your articles, commentaries, insights and perspectives about your online business opportunities. I will be offering suggestions to your inbox, when you optin on the above link.
--
Search engine optimization (SEO) is the process of improving the volume or quality of traffic to a web site from search engines via "natural" ("organic" or "algorithmic") search results. Typically, the earlier a site appears in the search results list, the more visitors it will receive from the search engine. SEO may target different kinds of search, including image search, local search, and industry-specific vertical search engines. This gives a web site web presence.
As an Internet marketing strategy, SEO considers how search engines work and what people search for. Optimizing a website primarily involves editing its content and HTML coding to both increase its relevance to specific keywords and to remove barriers to the indexing activities of search engines.
Butch Hamilton-The Wildcat SEO Master
The Most Consistent and Proficient Author on Google Today!
1-806-874-3314
To contact me for SEO services Email to:
butchhamilton.seoservices@info.trafficwave.net
http://butchhamilton.com
http://domains-free-hosting.com
Signup for the Domains Newsletter Below!
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Direct Selling
Jewels by Park Lane is a direct selling company. Direct selling implements proven techniques and strategies like Jewelry Party Plans, that enable people who are desiring to begin a business from home, the opportunity to direct sell fine designer jewelry.
Scott Levin, the CEO of Park Lane, is aware that marketing jewelry online and through direct selling opportunity parties, is an excellent way to begin a fun home business, that will last for the long term. They also offer an excellent plan for others to purchase designer jewelry online. This amplifies the success rate for the work at home people to build substantial wealth.
For anyone wanting more information about Jewels by Park Lane, simply click on the associated links in this article.
Industry representative, the World Federation of Direct Selling Associations (WFDSA), reports that its 59 regional member associations accounted for more than US$114 Billion in retail sales in 2007, through the activities of more than 62 million independent sales representatives. The market is huge for online entrepreneurs to live their lives utilizing the power of direct selling.
According to the WFDSA, consumers benefit from direct selling because of the convenience and service it provides, including personal demonstration and explanation of products, home delivery, and generous satisfaction guarantees. In contrast to franchising, the cost for an individual to start an independent direct selling business is typically very low with little or no required inventory or other cash commitments to begin.
Original Article Posted HERE...
Scott Levin, the CEO of Park Lane, is aware that marketing jewelry online and through direct selling opportunity parties, is an excellent way to begin a fun home business, that will last for the long term. They also offer an excellent plan for others to purchase designer jewelry online. This amplifies the success rate for the work at home people to build substantial wealth.
For anyone wanting more information about Jewels by Park Lane, simply click on the associated links in this article.
Industry representative, the World Federation of Direct Selling Associations (WFDSA), reports that its 59 regional member associations accounted for more than US$114 Billion in retail sales in 2007, through the activities of more than 62 million independent sales representatives. The market is huge for online entrepreneurs to live their lives utilizing the power of direct selling.
According to the WFDSA, consumers benefit from direct selling because of the convenience and service it provides, including personal demonstration and explanation of products, home delivery, and generous satisfaction guarantees. In contrast to franchising, the cost for an individual to start an independent direct selling business is typically very low with little or no required inventory or other cash commitments to begin.
Original Article Posted HERE...
Money Talks
A low-level smooth talking hustler by the name of Franlin Hatchet (Chris Tucker) is on the run from the police, after a jailbreak. Which he is falsely accused of planning a violent jailbreak. Now the whole city is on his trail and the only one, who could clear his name is an ambitious television reporter James Russell (Charlie Sheen). Which is the only reason why Franklin was sent to prison, because of James. Now together, they find each other mixed-up with cops, crooks and euro-trash bad guys. Which Franklin knows that the man (Gerard Ismael) was chained-up with in the bus. He was trying to retrieve a fortune in diamonds.
Directed by Brett Rather (Rush Hour Trilogy, X-Men 3:The Last Stand, Red Dragon) made an highly entertaining comedy with enough thrills and humour. Although the premise is familiar but Tucker's energetic comical performance makes this worth watching.
DVD has an sharp anamorphic Widescreen (2.35:1) transfer (also in Pan & Scan) and an strong-Dolby Digital 5.1 Surround Sound. DVD includes the original theatrical trailer, cast information and star highlights by Tucker and Sheen. After the box office success of this film, Tucker went on the one of the leads of the "Rush Hour" movies. Paul Sorvino is amusingly cast as Russell's future father-in-law. Written by Joel Cohen and Alec Sokolow. Which they wrote films together like "Garfield", "Garfield:A Tale of Two Kitties" and "Toy Story". Tucker also executive produced the film.
Learn More HERE...
Directed by Brett Rather (Rush Hour Trilogy, X-Men 3:The Last Stand, Red Dragon) made an highly entertaining comedy with enough thrills and humour. Although the premise is familiar but Tucker's energetic comical performance makes this worth watching.
DVD has an sharp anamorphic Widescreen (2.35:1) transfer (also in Pan & Scan) and an strong-Dolby Digital 5.1 Surround Sound. DVD includes the original theatrical trailer, cast information and star highlights by Tucker and Sheen. After the box office success of this film, Tucker went on the one of the leads of the "Rush Hour" movies. Paul Sorvino is amusingly cast as Russell's future father-in-law. Written by Joel Cohen and Alec Sokolow. Which they wrote films together like "Garfield", "Garfield:A Tale of Two Kitties" and "Toy Story". Tucker also executive produced the film.
Learn More HERE...
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