• Learn More About Life Insurance Fraud

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    July 25, 2021 /  Tax and Insurance

    Life insurance fraud refers to illegal acts committed by those buying or selling life insurance policies. In-vestopedia defines five different types of buyer life insurance fraud, from accidental suicides to falsifying medical records. Find out more and learn about two of the more famous cases of life insurance fraud.

    Types of life insurance buyer fraud

    Post-dated life insurance: a policy that is purchased after the death of the insured person but appears to have been issued before their death.

    False medical history:Withholding information about existing medical conditions, whether or not you smoke etc constitutes one of the most common types of fraud. Coming clean with your provider might mean that your premiums are more expensive but this cannot outweigh the risk of reduced or rejected claims. It is not uncommon for unscrupulous doctors to falsify medical records on behalf of buyers.

    Murder for proceeds: In this instance the insured person (spouse, business partner etc) is murdered for their life insurance cover or a policy is taken out in somebodys name without their knowledge and they are subsequently murdered for the life cover payout.

    Lack of insurable interest: Insurable interest stipulates that in order to buy a life insurance policy in somebodys name you have to be able to prove that that persons death would cause you financial distress.

    Suicidal accidents: This occurs when a person commits suicide but tries to make it look like an accident in order to ensure that their family can claim their life insurance cover.

    Faking death or disability:It is not unheard of for someone to fake either death or disability to claim insur-ance payouts for themselves or their families. People have also created fake identities which have been killed or died with the family claiming life insurance payouts.

    Famous cases of life insurance fraud
    John Darwin, a British teacher and prison officer died in a canoeing accident in 2002 but was discovered alive and well and arrested five years later. His wife, who had claimed his life insurance payout, said he had been secretly living in their house and the house next door. Both were sentenced to over six years in prison.

    In 2008 Helen Golay and Olga Rutterschmidt were convicted of the murders of two homeless men, Paul Vados in 1999 and Kenneth McDavid in 2005. Both murders were staged as hit and run accidents. Multimillion dollar life insurance policies had been taken out on the men by Golay and Rutterschmidt.

  • Bank Exam Preparation Is Incomplete Without Current Affairs

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    July 22, 2021 /  Money and Bank

    Banking industry offers the jobs which are high in demand amongst the youth. All its jobs are highly responsible in nature and demand respect and stature. Their acceptance of students from all streams and time flexibility makes these jobs highly coveted. However, to become a part of the banking industry is not an easy task. It all depends on how well you prepare for the bank exam which is highly competitive in nature. The question paper includes questions which have a high standard. Inclusion of current affairs of India in the bank exams make the question paper even tougher to crack. One can study hard for 2-3 weeks and prepare the syllabus thoroughly but current affairs cannot be achieved in one night. If you are not in contact with the current affairs on a regular basis, your chances of clearing any bank exam are close to zero. All the exams conducted by the banking sector demand knowledge of the current affairs of India. Another such exam called, the CWE to be conducted in 2011 would recruit candidates on a large scale based on their current affair knowledge and textual knowledge. The jobs offered by the banking sector are vast. They all provide a healthy income and extra exciting incentives. There is no reason for a candidate not to be attracted to the banking sector, especially if one looks at the immense success it has made in the recent past years. Thus, every year, thousands of candidates appear for the exams but only a few are selected. The rejected ones are often confused as to where did they go wrong. They had prepared enough but were not selected, thus blaming the banking sector for -biased” recruitments. However, it is their lack of knowledge that leads them to failure. If you are planning to appear for any bank exam like the upcoming CWE in 2011, you should cement it in your mind, that you cannot clear the exam without a sound knowledge of the current affairs of India. All you need to do is read the newspapers daily and jot down important points so that you are able to retain the information for a longer period of time. It seems like a tough task but once you get into the habit, it would seem interesting and you would eventually gain interest. Most importantly, it would be very beneficial for you not merely to appear for the bank exam but also to stay updated and aware. Reading the newspapers would not do you any harm. Rather, they would be helpful for you in your personal life as well as for your academic achievements. If you want to prepare for bank exams, it would be incomplete without a sound knowledge of the current affairs.

    To read latest Current affairs read and at jagranjos

  • A Proven Simple Method To Make Big Money Online

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    July 22, 2021 /  Money and Bank

    You are about to discover a proven system that guarantees you monthly income for life. Do you want to make money in life?

    There’s a system that really, really works each and every time.

    As you know many obstacles can prevent even a highly determined person from achieving his or her dream. The only obstacle that will ALWAYS keep you from success, Not starting.

    It’s high time to put your profits on Auto pilot! And generate passive income of thousands every month!

    The main key to online success is passive income made on autopilot and this system you about to discover delivers just that.

    Passive income also called Residual or Recurring income, is an income that continues to be generated after your initial effort has been expended.

    Also, passive income is money received on a regular basis, with little or no effort on your part required to maintain it.

    You can now, compare this to what most people focus on earning, linear income, which is -one-shot- compensation or payment in the form of a fee, commission or salary.

    It is obvious that linear income is directly proportional to the number of hours invested in it, that is for example 50 hrs of pay for 50 hrs of work. But one of the great advantage of passive income is that once things are set in motion, you continue making money from your initial efforts, while gaining time to devote to other things, such as generating more streams of passive or residual income!

    Earning some good, honest and legitimate, -one-shot- linear income is very important, but given a choice, which would you rather do? Work hard and get paid only once, through linear income, or get paid continuously, through passive or residual income, perhaps for years of even the rest of your life, for the initial work you performed only once of just telling people to come to this system through your very own selt-replicating website.

    If you have never make Big money online before, this is now very possible through this proven, and insanely profitable, money maker system. Do you really want to feel the freedom of debt free living, if you really want to outsmart this challenging economy, if you really want to fill your pockets every month with passive effort-free money, then go for the fastest, easiest way to that assured income.

  • Secret Money Factory

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    July 22, 2021 /  Money and Bank

    Availability of floating cash to use at your whim is one dream that every sensible person has. Getting money with no sweat at all can be a very ecstatic experience. Gifting programs have provided these dreams and experiences for quite some time.

    Most of these are outright false and unpractical. Although they are viewed with skepticism, gifting programs have with time proved that they can actually work if managed well.

    It is rather natural that human beings would not work if they could get a way of getting money while staying at their homes. Such an occasion is not common.

    Through a well established network, members register in this program and all the gifts they give or receive are marked. This method is quite simple as all one is required is to introduce new members and the gifts keep coming.

    No qualifications or talents are required for one to become a member of magnetic gifting systems. These programs are run by very experienced and trained staff to handle clients in the most professional way. An interested person doesn’t have to struggle a lot wondering how to join. All it needs is just going on line and seeking from the web.

    You certainly do not need any special talent or skills to make it in this program. It is simple and straightforward and no circles of selling new products which you do not know even how they work. All you need is a superb internet connection and after a very easy registration process our trainers take over. They will train you on how to network and make money on line without having to go through excess clutter and crumbled lies disguised as informational material.

    Magnetic gifting systems are run from homes thus needs very little capital to start. Practically, the expenses are minimal.

    In addition, a pre-written auto-responder that is customized is installed for the member. The registered member is further given unlimited access to a powerful broadcast dialer system that enables calling and delivering of messages to answering machines globally.

    This program is commonly referred to as magnetic gifting as a result of its ability to attract new members. It pulls them like a magnet hence creating a large pool of investors. When you register for this program you will be given a whole bunch of on line books, videos as well as audio tapes that will assist you to make the most out of this program.

    Magnetic gifting is a secret money factory of unbelievable ability to make people wealthy and change their lives positively.

  • Loan Modification Alert Countrywide tightens Loan Modification

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    July 21, 2021 /  Financial Plan

    Home Loan Modification allows defaulting borrowers to work out new terms with Countrywide, so that they can avoid foreclosure and stay on track. Countrywide began offering the service through their Home Retention Department at the height of last year’s real estate bubble. However, due to the volume of requests coming in, many cases were delayed and resulted in foreclosure. The company hit an all-time low in 2008 and was recently bought out by the Bank of America.

    In line with the change, the Loan Modification Department of the Law Offices of Marc R. Tow is also taking measures to protect its clients. The firm, one of the leading loan modification services in the country, will only negotiate modifications with Countrywide for clients with viable cases and those who are in serious financial trouble. Changes are also expected in national Loan Modification policies. While loan modification is still open to borrowers not in default, new laws may soon limit the service only to those in bankruptcy or serious delinquency. This will allow lenders and loan modification companies to focus their attention to clients who are most in need. The firm will continue to help clients with loans serviced by other companies. Besides loan modification, the Law Offices of Marc R. Tow also offers assistance with loss mitigation alternatives such as short sales.”>Homeowners hoping to get a loan modification with Countrywide may want to rethink their options. Countrywide Financial, best known for excessive lending practices that led to widespread defaults, now has so much bad debt on its books that it may have to tighten up its loan modification service.

    Home Loan Modification allows defaulting borrowers to work out new terms with Countrywide, so that they can avoid foreclosure and stay on track. Countrywide began offering the service through their Home Retention Department at the height of last year’s real estate bubble. However, due to the volume of requests coming in, many cases were delayed and resulted in foreclosure. The company hit an all-time low in 2008 and was recently bought out by the Bank of America.

    In line with the change, the Loan Modification Department of the Law Offices of Marc R. Tow is also taking measures to protect its clients. The firm, one of the leading loan modification services in the country, will only negotiate modifications with Countrywide for clients with viable cases and those who are in serious financial trouble. Changes are also expected in national Loan Modification policies. While loan modification is still open to borrowers not in default, new laws may soon limit the service only to those in bankruptcy or serious delinquency. This will allow lenders and loan modification companies to focus their attention to clients who are most in need. The firm will continue to help clients with loans serviced by other companies. Besides loan modification, the Law Offices of Marc R. Tow also offers assistance with loss mitigation alternatives such as short sales.

  • Send Money Online Using Credit Cards

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    July 21, 2021 /  Money and Bank

    There was a time that very little options were available for sending money. Today that has changed with the use of technology. One popular option now is to send money online.

    Many things are done online and of course sending money using the computer is another convenient option. Individuals are already there checking e-mail, applying for jobs, ordering pizza, watching movies, paying bills, talking to friends and family, doing research and shopping. The computer and working online allows people to save time during every day task and other important tasks. Transferring money online is no different and sending money online is becoming popular.

    Send money online to family or friends across town or across the country whether it is sent to them where they live or where they are vacationing. It can all be done quickly and accurately online. All of these are very important especially if sending money is for an emergency. Transferring money in this matter is similar to purchasing something online or paying bills. A credit card number is entered. This is fast than sending a check that means waiting for it arrive and then waiting for it to be cashed. Transfer money online to allow money to be transferred immediately. It is a fast an easy process to transfer money online using a credit card.

    Transferring money traditionally is done through a service that can be expensive and it can take a lot of time in some cases. This is especially true if the person needing money is in a different country. A provider needs to be located so they have a place to pick up the money while transferring money online the recipient doesn’t need to even visit a bank. Banks do have wire transfer services, yet the both parties must have an account with that bank.

    One way to transfer money online is to have a reloadable card. If this action is done frequently it could be a good option for everyone involved. An example is for parenting providing money for their college student. Companies provide these cards and a transfer service. The person providing money logs on to the company website and inputs their account password. Then they add money to the card through the site using a credit card or debit card. There is even an option with some companies using this service that provides a call in option to add money to the card. This helps if the internet is out or if there is no computer access.

    Sending money online is appreciated by everyone. Those that need money enjoy the fact and peace of mind that they can have money available to them instantly if the needs it. Those sending enjoy the peace of mind that their friend or family member will not be stranded in case their money is stolen while on vacation, for instant and the money needed will arrive quickly.

  • Andhra Pradesh State Cooperative bank Recruitment 2013 180 Staff Assistant & Manager

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    July 20, 2021 /  Money and Bank

    Sarkari Recruitment Department of Andhra Pradesh State Cooperative Bank Limited has announced the recruitment plans for the month of Sep & Oct, 2013. According to this recruitment plans bank will give a good job opportunity to various candidates for the post of Manager position & Staff Assistant . Total 180 candidates will get job through APCOB Recruitment 2013 project. So today 19th Sep 2013 bank open online recruitment application registration at their website www.apcob.org and Interested candidates can apply for this job till the last date i.e. 9th Oct, 2013. Candidates can see all the important information, instruction, terms and conditions in this post, so kindly read it carefully.

    Job Description of Andhra Pradesh Cooperative Bank (APCOB) Recruitment 2013

    Total No. of Jobs: 180 Name of Posts : Staff Assistant

    Manager (Scale I) No. Of Posts : 130 Posts

    50 Posts

    Age Limit: Applicants age is required between 18 – 28 years as on 1st Sep, 2013 . and for SC/ST/OBC Applicants have no restrictions regarding age limits as per government rules.

    Education: Applicants should have completed the Graduation in any stream from recognized university.

    Qualification: Applicants should have completed the Graduation in any field for the Post of Staff Assistant and For Manager Applicants should have completed the Graduation in any stream with 60% marks and if applicants have completed the graduation in B.Com, so they required at least 55% marks and Having knowledge of Telugu & English also required.

    Application Fee: Rs. 400 for General Category/Other Backward Category & Rs. 50 for SC, tribe, physically challenged and ex-servicemen.Applicants can pay in two ways online or offline through the State Bank of India.

    Selection Process: Online Test & Examination.

    Application Process:

    Application for Andhra Pradesh State Cooperative Bank (APCOB ) Recruitment 2013, registrations open, So kindly visit official website: .

    Here are some Important Dates Dates of Online Registration : 19-09-2013 to 09-10-2013 Dates of Offline Payment Submission: 21-09-2013 to 14-10-2013 Dates of Online Payment Submission : 19-09-2013 to 09-10-2013

    Date for Written Test Tentative Staff Assistant: 17-11-2013 Date for Written Test Tentative Manager: 16-11-2013

    More Jobs Updates for Sarkari Naukri, Government Jobs and Private Jobs,In govtjobsportal anybody can search Jobs, , Jobs India, Recruitment in Railway, , Teacher Jobs, Recruitment India, Jobs In Bank available at govtjobsportal.com.

  • Forex Price Movement – The Best Mathematical Formula For Profit

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    July 20, 2021 /  Forex and Trading

    There are many theories that say that as human nature repeats, there is a law for market movement and if you know the law you can apply a mathematical theory and make money but which is the best? Let’s find out…

    Popular theories are – the Fibonacci number sequence, Elliot Wave and Gann’s price and time. There are many others but the fact is none of them are scientific or mathematical.

    The definition of a scientific law is that it works ALL of the time!

    None of the above work all of the time and that means there not mathematical.

    In fact there is no hidden law to market movement because you are dealing with probabilities not certainties.

    Just like a good poker player, makes money trading high odds hands, the aim of the successful forex trader is to trade high odds trades.

    People think that the appliance of mathematics can beat the market but if the market doesn’t obey any law then it’s doomed to failure and this leads to a simple fact about Forex trading which can lead you to success.

    50 years ago – 95% of traders lost and the ratio of traders who lose today remains about the same.

    This simple fact leads to a compelling conclusion.

    If you think about it all the advances in news, forecasting and mathematical theories have not increased the number of winners and this means you need to – Keep it simple and success is dependant on something else!

    Simplicity and Discipline the Keys to Success

    Simple systems always work best in an odds based market as they have fewer elements to break than a complicated one.

    Once you understand this you need to trade with discipline trading high odds trades and keeping losses small. You are as we said earlier trading the odds like a good poker player and its no wonder that some of the top traders in the world – were you guessed it, successful poker players!

    Most traders like to think they can beat the market and avoid losses and see technology as the answer but as we have just proved it’s not the answer.

    If you want to win at forex, think like a poker player rather than a mathematician and you will have a lot more success, as you will be trading the odds and that’s the way to win.

  • My Online Business Strategy (MOBS) Was Created by a True Internet Marketing Wizard – Gary Gregory

    Comments Off on My Online Business Strategy (MOBS) Was Created by a True Internet Marketing Wizard – Gary Gregory
    July 19, 2021 /  Business Center

    Because of the way Internet Marketing, and Online Businesses, work many people are confused as to what “MOBS” involves.

    In addition because of the many claims that people have made $millions in a very short space of time, some of which are certainly true, some Internet Marketing schemes are seen as scams.

    You might ask yourself – can I really make honest money using the Internet?

    You might ask yourself how can I know that “My Online Business Strategy” is legitimate and not another scam like pyramid selling or Multi Level Marketing (MLM)?

    I want to differentiate “My Online Business Strategy” from MLM and pyramid selling, get rich quick schemes and dishonest ways of making money.

    So in that order:

    * MLM and Pyramid

    These schemes (Scams) often rely on you selling to your friends and family. “My Online Business Strategy” doesn’t rely on any sales to your friends and family. NOT one.

    * Get Rich Quick

    Let’s be super clear here – right up front “My Online Business Strategy” requires work.

    Anything in life, worth having, takes work. You won’t be building a website from start to finish in 1 hour but when you have built your site you can expect income from it to continue for months and years!

    What do you do in these years of residual income – make more sites of course – there is no limit on numbers. I know people who have lots and lots. Gary himself has well over 100 and I have almost 100 domains right now.

    * Dishonest Ways of Making Money

    All payments are processed through a high profile payment system (most likely Paypal). Paypal have very strict policies to protect the consumer. If “My Online Business Strategy” was anything other than 100% honest and straightforward the payment processing through these systems would stop.

    So there you have it – “My Online Business Strategy” will NOT make you rich over night by taking money from friends and family. “My Online Business Strategy” will enable you to make an honest living from residual global income over time depending on your own personal time commitment and effort expended.

    Everyone will want to know more about “My Online Business Strategy” so I have provided a focus for all expert information at . You should go to this site if you want to get started today with advanced preparation, insider information and training.

    Visit My Online Business Strategy Expert site above, my personal site, or for more information on MOBS in general visit

    If you delay action you delay results – I can help you on the road to online success starting today!

    Visit one of my sites now – YES – Just Do it!

  • Unbiased Bank Account Search Research

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    July 19, 2021 /  Money and Bank

    We never ever revise responses. These are typically either approved or erased. we all reserve the proper to modify a remark that was cited or excerpted in an article. in this situation, we could correct spelling and punctuation. all of us value information technology when audience plus men quoted inside posts or site posts point off errors of truth or focus plus might investigate all assertions. But these suggestions ought to end up being transmitted via e-mail. To avoid distracting other subscribers, you won’t publish opinions which recommend a correction. Instead, corrections may feel produced inside a blogs post or inside an write-up.

    Internet banking is equally efficient as information technology are convenient. We can perform bank transactions here quicker than you do about automatic teller machines and this in addition provides an individual the option of carrying several accounts to manage like discount, and checking accounts, certificates of deposits, IRA’s and similar purchases. Most online banking sites tend to be equally suitable with major software which you can use about the computer for a more powerful financial administration. Regardless of whether an individual take out a checking, cost savings, or certificate of deposit account with FNB, you can access it from the online with their unique online banking way, and it’s absolutely something I’d recommend.

    There are lots of people who stand to take advantage of Open Online Bad Credit so see to it that you learn about the benefits of Post Office Bank Account, discover more information here: .

    Unbiased Bank Account Search Research

    Unlike traditional corner financial institutions, on line financial websites never close; they’re available 24 hours a day and seven days a week. If the customer is over of state or from the nation when a money condition arises, he or she can log on immediately plus care for business. Similarly he or she could gain access to plus manage all facets of the banking account like IRAs, CDs, even securities, from one secured website. Should you happen to be looking the best web financial choices, you really need to understand your own desires plus a financial situation. Ask yourself concerning the techniques you’ll end up being utilizing this facility.

    web financial works in a synonymous way to standard banking , the main difference being the method 1 try making repayments, accessing his account and private details, and reconciling statements. Rather than visiting the area branch of his financial, the customer utilizes his computer to accomplish purchases. online plus standard banking bring their unique advantages and disadvantages to consider. The choice of on line vs. brick-and-mortar financial is usually based on one’s life style and priorities. Google, Apple Computer, Microsoft and Oracle need between them 341,777 employees that delivered $85.2Bn in profitability in 2012, or about $249.285 per worker More than five occasions the margin than their particular Tech equivalents.