All Life Insurance Tips - Term Vs Whole Life Insurance Knowledge Base

Term Vs Whole Life Insurance Knowledge Base

Term vs Whole Life Insurance? So for all of you Insurance experts- I have some questions for you! I understand more about term insurance than I do about whole life. I understand that if I qualify that I can get a Term life insurance policy for a certain amount - for a certain number of years. BUT with Whole life do you pick your policy amount - say a million or 200,000? I've read it is like a bank account. But I don't understand it! With term insurance you must qualify by doing their health exam every term and answer their questions every year right?! But is it true that with whole life once you take the initial health exam then what? As long as you pay the premiums every month you are all good? What worries me with the term life insurance is say I have a 20 year policy, but I find out that I have cancer during the 19th year they will not renew my policy right? But if I do have whole life then it does not matter because I am locked in as long as I pay my premiums, even though it's more expensive.

Term Insurance vs Whole Life Insurance? 1. What is the difference between a term insurance and whole life insurance policy? Which policy is suitable for what kind of people? 2. What are the "exclusions" for term insurance policies i.e. death because of “some” reasons (for e.g. suicide) that does not entitle for insured amount? What are other such reasons? 3. Does term insurance cover accidental death, death because of terrorist strike or natural calamities?

I want to know about term life insurance vs. whole life.? If I am 63 years old, male; if I were to buy a $10,000 term life policy today and should pass away 2-5 years after starting the policy, Will all or any portion of the $10,000 be paid??? Also what is the best practice for a 62 year old on a less that $800 month Social Security check to do to purchase life insurance?? Thanks for any advice and answers.

Term Life Insurance Vs Whole Life Insurance? I am shopping for a decent life insurance policy. I have a question. Say, if I go for whole life insurance through company A for 20 years and say if Company A goes bankrupt after 10 years. Will I get my money back? What happens if I go for term life instead of whole life. Thanks in advance

Term Life Insurance VS Whole Life Insurance? I am 54 and my husband is 58. WE have a home we owe $200 on and about $20k in credit card bills. No kids at home-all grown. Should we go with term life or whole life and how much for ow long? Thanks

whole vs term life insurance? We are considering life insurance, mid-fifties. What should we buy-whole or term insurance?

Whole Life vs. Term Insurance? People always ask about whole life vs. Term Insurance and the insurance salespeople always defend Whole life and trash Suze Orman (not a fan of her anyway)... But they fail to prove the point with real hard numbers. Show me how Whole Life beats Term with the additional premium saved being invested in a Total Stock market index fund or other no load investment at a Vanguard or other low cost provider. BTW - I understand it very well. Financial Analyst picked up on my point in his first sentence. I meant Financial Answer Guy, see above.

Term vs. Whole Life Insurance? whats a clear difference between both of them?

what is the benefit of whole term life insurance vs. term? The difference in the premiums is enourmous. Can the premiums be raised on either type? whole vs term

Term Life Insurance vs. Whole Life Insurance?? I have heard many arguments, can you guys give me some input please? I have been told that whole life is a ripoff, but I need some examples. Thanks

what is the difference between term/whole life insurance vs accidental death insurance? I'm trying to buy life insurance for myself and my mother. I read up on this survivorship insurance which sounded pretty good since I wanted something for my mother if I were do die first and vice versa. but most of the online quotes I saw were between spouses... But I got confused when I read about accidental death ins- does this mean I will not be covered if I die of an illness or old age- but instead must die of an accident such as auto or slip and fall?? secondly, would I get taxed on the interest earned on the universal/whole ins or when the policy is paid out/ surrendered?

Whole Life vs Term or Other Insurance? What to do? I know this is an age old question, but I really would like guidance on what I should do here. I'm a 28 year old single male with no kids, so I know right there most people say I don't have a need for life insurance. However, I am really interested in being financially stable when I'm older. I have a 401k plan and will get an IRA (possibly Roth) after I leave my current job next year, but those aren't going to be available to me until I'm 65-70 and I plan to retire in my 50's at the latest. Also, those investments are taxable once I withdraw. I have an uncle who says he's looking out for me by offering me Custom Whole Life Insurance policies. They are very expensive compared to term policies, but the benefits are that they are self completing in the event of a disability, the values only go up and don't fluctuate with difficult economic times, and the interest payments to you once they are paid up are tax-free. Two possible scenario's are below. Any thoughts are appreciated. Thanks!! 1) CWL with $100,000 face amount. Annualized premium of $1,567.08 ($130.59/month) payable through age 55. Potential tax-free annual payments starting at age 56 of $4,179. 2) CWL with $400,000 face amount. Annualized premium of $5908.44 ($492.37/month) payable through age 55. Potential tax-free annual payments starting at age 56 of $16,389.

Life Insurance Policy Term vs ? I am 40 yrs old non smoker female. My husband is 48 yr old smoker and has hep C but not at all at a bad level. His level is stable and low. He has had it since 2000- Question - a 150,000 life paying per month and when I hit 65 years old is there a life insurance that you can take out against your policy? Is there a difference between term and whole life insurance (not sure if that is correct) I wouldnt get it with my husband but only for me. Any suggestions? I would have a spouse that needs the money if I go before him. He is getting a settlement in 2 years and we are putting most of it away for 20 years from now but even then who knows how things will be we may need more. Can you b orrow out from term life insurance?

Does whole life Insurance support my family until they die? If I died at age 35 and had a 12 year old to support, would my child still be getting money from my policy when they are in their 40's? I am having trouble understanding Whole vs Term Life.

Term Life vs. Whole Life? I think I understand it, but can someone please explain the differences between the two? Is the difference in the "cost" worth it? Is it really advisable to get whole life insurance (because of the "build up in value") or would it be better to just channel the money that you would be saving (by getting term life) into some other type of investment?

Good Reason For Whole Life Insurance Quotes? I have a whole life policy, through the Nights of Columbus. There is a respected financial advisor, Suze Orman, who seems so adamnant that whole life is not a swift move. She makes it sound as if there is not one reason to own whole vs term. Are there any good reasons for owning whole?

Whole Life vs Term Life ? Right now I have term life insurance, but I am trying to determine whether I should switch to whole life. I just noticed after 3 years that my premiums at 58 will go up almost $250, that's crazy. Then I realized if when I do turn 58 if I don't want to continue with that policy due to high premiums, I will not get any of my money back. I don't like that. I don't believe I need a high insurance policy, and I understand whole life cost more, but I am wondering if I should take that risk.

Is this really possible? Mutual funds vs Whole life insurance? I understand that the investment linked with whole life offers very little returns compared to real investments like mutual funds. Now I tried this online compound calculator http://www.math.com/students/calculators/source/compound.htm to see if mutual funds can really beat insurance "investments". I placed the following data in the calculator: Years: 40 Percent Yield: 12% Initial Balance: $500 Monthly Contribution: $100 Final Balance: $1,235,801.11 Is this data realistic in mutual funds? If so then it sure beats what whole life insurance offers and that the saying "Buy term invest the difference" is really true. So are these realistic figures or something wrong with the calculator :) ?

Life Insurance? I have read many answers about term vs. whole life insurance. Maybe I am dumb, but I am still confused with all the options and blah blah blah. Here is my situation and please suggest what I should do as far as life insurance. 1. My husband (works for state, $60,000/yr) is the only one working. 2. We are both 32 years old this year. 3. We have 1 son (age of 1) 4. We own a house which is paid off (renting out right now) 5. We would like to purchase another house in the near future (1-2 years) 6. We would like to have another child. 7. I have a college degree so I can work if I want to in the future 8. We have a college fund set up for my son and plan to have him work to pay for part of his college. 9. We have Roth IRA and 457 for retirement. Not so much$$ 10. My husband just wants to make sure that my child(ren) and I will have enough money if something were to happen to him. Now, what should we do about life insurance? I know we will get other insurance (accidental). I have tried to look for Financial Planner, but with no luck. It seems like I have to have to be millionaire for them to even look at me or return my call. I am leaning toward 20 term (should I get 30 term?) and $250,000 whole (assuming we won't have much obligation then, but just the final costs) with other insurance such as accidental, disability.... Is that about right? Any good insurance company suggestion? Any good financial planner suggestion? I so lost faith in them since I have had no luck. I don't mind letting them make some money off of me, they have to make a living too. But is it that hard to find someone honest?

Whole life vs. term--can you prove higher return with whole life? Someone posted a question about whole life vs. term and someone claimed they could prove whole life had equal or better return than buying term and investing the difference in the stock market but the question was closed before the answer was completed. Here's another chance for the whole-life apologists. My contention is that high fees and commissions on whole life will overwhelm any investment advantage. I also want to see this demonstrated for middle-class people, not multi-millionaires who get huge benefits from tax shelters. Assumptions: 20% marginal income tax rate (15% federal, 5% state) Buying insurance at age 30 and stopping/cashing out at 65 Stock market return is 10% per year and profits are taxed each year at long-term capital gains tax rate. Difference in premiums invested at start of each year. Reasonable amount of insurance coverage--$100,000, or $250,000 or so, not several million. Any advertisements or links to scams will be reported for abuse. Like I expected, the whole-life apologists are attacking my assumptions. First, that I shouldn't end the policy at 65. I'm assuming my kids are grown then, and surviving spouse will have Social Security (maybe), a home, and other assets to survive on. If it's more beneficial to convert the policy to an annuity at 65 and save taxes on my (presumably reduced) income, I will consider that possibility, just give me some facts. Someone said dividends are taxed at a higher rate than long-term capital gains, but I think that's wrong. Regardless, the rates on either are pretty low and I don't see that as a major factor. Someone else said term insurance would be a loser if my health failed before 65. If that's the case then I'll admit I'm comparing apples and oranges. Is there term insurance that doesn't expire as long as you pay the premiums, or does term insurance mean you'll lose coverage at the first sign that you're odds of collecting are higher than average?

Whole life vs term debate? Hi Everyone. I just started a new career with the guardian insurance company last week. all I hear about is the debate with whole life verses term and investing the difference. I wanted to find out which one really was better for my clients. i did a little tests using the software that I get from my company which will give you the prices of an insurance policy and and all of the cash values and everything else you would want to know to help find which product is right for your client. here was the test.... i ran the numbers for a 25 year old male, preferred no tobacco rating. i ran these numbers for a guardian level 30 year term policy and a guardian paid up at 99 whole life policy both for a $1,000,000 face amount. here are the results. Results: the whole life policy costs 8,560 dollars per year. the term costs 1,340 per year. a difference of 7,220$ after the 30 (year 31) year period the whole life policy would have a cash value of $682,203 and a death benefit of $1,834,475. had you invested the 7220 a year for 30 years and got about an 8% a year return (about 6.7% after taxes) you would end up with $689,580 with a death benefit of 0 since your 30 years was up. term: 689,580 in cash and 0 death benefit. whole 682,203 cash value and 1,834,475 in death benefit which will increase every year till death as long as premiums are paid. seems to me the whole life is the better deal as cash is about equal but the death benefit is still there and is very large. The ending values assmues that dividends will be paid on the policy at the same rate as 2007 dividend rate. those can obviously go up or down and guardian has been paying dividends since 1860. what do you guys think?? great post insurance guy. you are right. it always depends on the client but at least from my illustration you can see that whole life is a horrible product like most everyone on here says. sometimes it might make sense. from my illustration a 25 year old who does have the cash flow to pay his 8,000 premium and is trying to save for retirement might really be a great fit for this whole life policy. someone who can not afford to put away that much might not be a great choice for my illustration. sorry guys, in my previous response there i wrote that whole life is a horrible insurance product. what i meant to type was that whole life is not a horrible product. To Ronkpaws: when reading your comment, i cant help but think you did not even read my origional post. your example of the $25 vs 100 premiums, buy term and invest the difference, is the exact illustration I made, just on a larger scale. and you can clearly see the results of my illustration.

Whole Life Insurance? I have a whole life policy, through the Nights of Columbus. There is a respected financial advisor, Suze Orman, who seems so adamnant that whole life is not a swift move. She makes it sound as if there is not one reason to own whole vs term. Are there any good reasons for owning whole?

I'm trying to decide between 20 vs 30 year term life insurance policy? I want to buy a Term Life Ins Policy for the purpose of leaving some money for my kids once I'm gone. I am a healthy 55 yr old fem. I'm considering a $250K policy. For a 20-year term it is $59.72/mo. For a 30-term it is $198.52/mo. Let's assume that I will live beyond the 30 yrs. At that time I will have to buy another term or convert to whole life, and most likely have to get another med exam (at age 75 or 85). Which term policy would be cheaper in the long run? I am considering a smaller policy ($100K) for 30 years at $92/mo to save money. What should I do?

Limit time payment whole life VS VUL? I would like to know limite year payment whole life (5years, 10yearss or 15years) VS VUL insurance, which one is better down the load and why? I don't consider term life in this point. the insuer age was 20 years old male. have 401k and roth IRA already. male age was 30 year old, not 20 years, it type wrong.thanks.

Whole Life and Univeral Life - Death benefit + Cash Value payouts? I have read so many great questions and answers regarding WL vs Term; UL vs Term......depending on each person's financial plan/goal, all fingers point to Term..."invest the rest." My question is about the death benefit. All that I've seen is WL and UL only pays the DEATH BENEFIT and the insurance company KEEPS THE CASH VALUE PORTION. Is that TRUE? Also, aren't there some UL/WL policies that pay BOTH death benefit and cash value? Obviously the premiums would be higher. Please give me some insight to this matter. I ask only to be educated as I have friends and family that don't know any better than me and know friends and family that have bought/"persuaded" to buy WL or UL policies. Thanks in advance. Example of policy payouts: Option A = DB only. CV goes to insurance co. Option B = DB+CV, both go to beneficiary? Is this correct?

Do we need to deregulate the health insurance industry? Insurance companies are one of the most regulated industries on the planet. Instead of putting in place a Universal Healthcare System, should we model health insurance around the life insurance model in place today? If we deregulate the insurance industry and allowed competition across state lines, it would be affordable. You can have whole health that grows in value until you need it like whole life. You buy it young to get the cheap rates. You have term health that can be bought in 1 year, 5 year, 10 year or 20 year increments like term life. Premiums would be based upon the policy you choose and a physical exam. 1 year term health would be the cheapest and would cover the basic healthcare and the cost adjusts every year we get older. Whole health would be the most expensive and if you didn't use the entire policy when you die, the retained value passes onto your children or spouse. To me this makes sense vs. UHC. Thoughts?

Whole Life vs. Term Insurance? My husband has a long-standing whole life policy that cost him $200 per month. At age 61, it is no longer necessary and he'd like to switch to term insurance. He was told by his current insurance that he will have to pay huge Capital Gains taxes if he wishes to convert. We live on a fixed income and cannot possibly afford high tax penalties. What should we do?

Term Insurance Vs. Whole Life Insurance ? Can anyone please explain the difference b/w a Term Insurance and Whole Life Insurance. I'm a little bit confused and looking for details on it. Thanks

Is anyone an insurance agent or broker? I need to do an interview for school, I am a paralegal major in college. If anyone could help me answer these questions if you are an insurance agent or broker. i would greatly appreciate it! What isurance agency do you work for ( optional question ) Do you enjoy working in the insurance feild? What made you go into the insurance feild? How long have you been involved in the insurance field? What type of education do you need to be in the field? What types of insurance policies do you sell? (examples: life, health, vehicle, disability, property liability, etc) Do you promote one type of policy over another (term v. whole life?) If so, why? How many policies do you sell a year? What is the most awarding part of the job? What is the most difficult part of the job? Have you encountered any unethical insurance agent, broker, or client? What was the situation? What was the final outcome? What advise would you give someone who may be contemplating entering the field?

every single rat word ever!? A Aeratted: Said of a garment that has acquired so many chewed holes as to now be considered summer attire. Alphamosity: The rampant animosity exhibited by alphas when they meet new rats. Alpha Romeo: A dominant buck who has the style, performance and speed to reach the girl rat cage before his owner realises he's escaped. Aquafrenzy: A fit of uncontrollable terror involving anatomically inconceivable twisting and writhing, ear piercing screeching and maniacal claw shredding exerted by a rat who dislikes baths. Aromatherapee: An ancient technique by which rats can turn their pee into various odors pleasing to their rat loving humans, such as cinnamon muffins and warm corn chips. (see also Furomatherapy, Peeterent and Peeseekery) Awra: The luminous air about a ratty due to his whiskers and soft furriness, that when seen in the light causes an involuntary "Awwwwwwwww...." from the viewer. B Bacupuncture: An alternative healing method performed by rats who use their claws to cling to the area between your shoulder blades where you cannot remove them without assistance. Berko: Describes a person who is fanatically crazy about rats with white bellies. Boggling: The creepily charming ability of rats to bulge their eyeballs out of their sockets and vibrate them when particularly happy or content. BooBoolean Command: The phenomenon where your rat decides to play on your computer keyboard while you're using google, and you end up searching for "sllllvmmbkppf34-0--34rjse'39ksp;;;;;;;;;", with no website results found. Bouquet de Buck: the rich studly aroma of musky male rat, with overtones of corn tortilla, spicy cinnamon and a subtle hint of pee. Mmmmmm. (see also Eau de Doe) Brusking: The irresistible performance of a hungry rat, begging and eye boggling for yogurt drops. Bruxing: The complete ratty repertoire involving fooffing of air, chattering and grinding of teeth, and bulging eye boggling that indicates a happy or contented rat. (see also Boggling and Fooffery) Bruxtaposition: The condition of having a happy rat sit next to you on the sof Buck grease: The orange oily dandruffy gunk that overly hormonal boy rats sometimes get on their backs. Bucksome: Healthily plump and ample of male rat rump. Bucktion: The irresistible force that attracts people to big, lazy, squishy male rats. Buckwurst: Descriptive term for a lazy old male rat who enjoys his food so much that he resembles a large furry Germanic sausage. Bumbleball: Unfortunate affliction caused by the friction of continued dragging of large testicles over everything. Bummer: The phrase often exclaimed when a rat wipes his/her squishy raisins all over you. C Cage fright: The instantaneous horror that you feel when you're sitting at your desk at work and the realisation dawns on you that you've left the rat cage door open at home. Chewelry: Personal adornments that have been improved by artistic rattie designers. Claustrophrenia: The frenetic madness exhibited by rats who, having spent the entire day happily abiding in their ample cage, suddenly find the space utterly unbearable. The resulting conniptions are often triggered by a delay in their normal daily scheduled out time, or observation of another rat getting free range time before them. Claw warning: A simple request to our rats to yell "I'm coming!" before they leap onto our bare flesh with claws outstretched... rather than leaping first, scaring the bejeezus out of us, and then announcing cheerfully "I'm here!". Clawdacity: The intrepid boldness with which rats recklessly climb your bare skin with complete disregard to your comfort or screams of protest. Corn grooming: The systematic repetitive linear grooming pattern rats often apply to their cagemates, which is reminiscent of eating a cob of corn. Crammock: The term given to a hammock straining to support more rats than it's structurally capable of holding. Cross Scritch: A crafty technique requiring the skill of petting two rats at once on different sides of your lap. Curtailer: A person harboring the completely unfounded, ignorant belief that rat tails are cold, scaly and horrible and they'd be better off without them. D Dampressionism: An artistic style of watercolour painting involving the use of one's tail as a pee paintbrush. Dawnfall: The sudden degenerative state within your rat cage should you accidentally sleep in past your rats' usual morning free range time. Demarkation: The act of removing alpha rat pee from throughout your house. Deturdant: The latest miracle cleaning product on the market for removing rat raisins stuck on your furniture, carpet, clothes, curtains, pillow case, bath towels, etc. Drive-by grooming: A heartless crime whereby an alpha rat will stride up to an innocent bystander, furiously groom the victim's head, and then continue on his way as though nothing happened. Dropsy: A hyperactivity disorder in rats caused by eating way too many sugary yogurt treats. E Eau de Doe: That irresistibly tantalising scent that sends bucks wild with passionate distraction. (see also Bouquet de Buck) Exherbitionist: A rat who has a compulsive desire to draw attention to itself by digging up pot plants. Exvermination: The act of removing all traces of your pet rats from view when your landlord is about to visit. F Fibervore: An animal that grazes on socks, your favourite t-shirt, carpet, sofa cushions and other soft furnishings. Flash Animation: The blind frenzy a rat goes into when unexpectedly subjected to a camera lighting system. (see also Vampire Rat) NEW! Fluffy Fund: A rat health insurance plan that involves keeping an extra layer of squish on a rat to provide a buffer in case of illness. Fooffery: The impressive array of cheerful noises a rat will make when excited, specifically involving puffing air in and out of the mouth rapidly. (see also Bruxing and Boggling) Furabdophile: A person with an inexplicable and irresistible attraction to rat bellies, and is unrepentant in their need to kiss every soft fuzzy one they encounter. Furgiveness: The amazing ability rats have to be forgiven for anything just because they're cute and furry. Furomatherapy: The joy and peace one gets from sticking one's nose into rat fur and inhaling deeply. Fuzzbutt: An endearing nickname for your furry loved ones; also the image of a rat usually recorded by photographic film. Fuzzlet: An affectionate name for a young rat, along with ratlet, ratling, kitten, ritten, pup, etc. G Gnawtification: A formal indication that your rat was here. Groominate: To subconsciously and incessantly clean oneself while pondering life and the universe. Grottofication: The satisfaction one derives from providing their ratties with an extra large, fun, clean, safe place to live. H Heat wave: The courtship process whereby a female rat wiggles her ears at a potential male across the room. Hell raisin': When your rat causes trouble by depositing a wet, squishy smelly poop then steps in it and proceeds to drag it all over the house. Homo norvegicus: A species of rat that thinks it's human (e.g. Homo norvegicus nimbii) Honing stone: The rock or paver placed in a rat cage for the express purpose of keeping rat claws blunt, which is secretly utilised by the rats as a honing tool for precision sharpness. I Ickspression: The emphatic body language exhibited by a rat when fed something that tastes icky, usually observed as frantic chin rubbing along the floor. Intolerodent: Said of a pitiful person who has an irrational, unreasonable and completely unfounded dislike of rats. J Jackhammer snout: a pneumatically operated power-sniffing tool used to extract even the smallest wisp of scent from surfaces via percussive impact. K Karatty: Skillful fleet-footed fighting technique involving kicks, twists and leaps used by smaller rats during fights with big alpha thugs. L Lashybug: Small dark delicate hairy insect that is irresistible to rats, commonly found fluttering around human eyes. Literatty: Rats who like to chew scholarly or intellectually challenging books. M Madaptation: The remarkable ability of rats to change their daily schedule so that they are rampantly playful when their humans are sleepy. Manxious: Overly worried that your new litter might not have tails. Masokisstic: Said of a person who indulges in the irresistible pleasure of kissing rat bellies despite having resulting horrific allergic reactions to their fur. Marinating: The act of sleeping in one's pee soaked bedding Meducation: The end result of the many devious machinations required to get the rat on the outside of his meds. Also describes the remarkable and rapid learning by rat owners of the large array of drug uses and dosages for rats. NEW! Meep / Meeping / Meeper: The plaintive sound (usually in a whining tone) that a rat emits when being power groomed, shoved about, or otherwise unfairly picked on. In ratspeak "meep" is a shortened form of "Me Poor!" (or "Poor Me!"). Thus a "meeper" is a rat who meeps excessively. Metamorfuzzus: A conditional response to spending too much time with one's rats, which results in the gradual transformation from human to more rat-like tendencies. e.g. stealing food out of other people's mouths, bruxing during romantic moments with your partner, and peeing on the sofa. Mischief maker (a.k.a. Breeder): A person who deliberately amasses large numbers of rodents with the express purpose of distributing them to as many people as possible. Moodging: An aussie slang term for holding your rat in both hands facing you and moving your fingers in a circular motion to massage them. Mycophobia: An intense and irrational fear experienced by all rat owners at the first sign of a sneeze. N Nasal Spelunking: A recreational pursuit for rats who are skilled in facial cavity exploration. New Rat Fever (NRF): A highly contagious and debilitating virus, often spread at rat shows. While medically incurable, sufferers are able to gain temporary relief by acquiring regular "hits" from unscrupulous ratlet peddlers. Newton's Law of Rodent Physics 1: The harder one tries to prevent a rat from gnawing, the more determined a rat will be to gnaw. Newton's Law of Rodent Physics 2: The volume of a nest box is equivalent to half the volume of the rats that are currently sleeping in it. Nimitations: Wannabe big bad alpha rats (after Nimbus, the biggest baddest buck in the business) Nipple-nipper: A rat with an unfortunate penchant for human mammary protrusions. O Omniratent: Having rats present in all parts of your house at all times. P Peasqueak: An insignificant or contemptible rat, outcast due to it's abnormal aversion to green peas. Peckerish: Said of a rat who has a hunger for nipping delicate human male body parts. Pednipology: The study of why rats love to bite socked toes. Peeseekery: The act of searching in darkness for rat whiz using high tech, state of the art black light equipment. Peeterrent: The unmistakable aroma of rat pee on your clothes that prevents non rat lovers from hitting on you. Pewtophile: A lover of white rats. Pissertive: Said of a rat owner who decidedly and confidently assumes the alpha role in their home by scent marking the cage and all the rats with their own urine (aka The Adamo Approach). Pocratsinaction: To put off doing important work due to the overwhelming distraction of poking your rats awake to play with them. Q Quid pro doe: The means by which male rats will do anything you ask in exchange for just one sniff of a girl rat. (see also Eau de Doe) R Rat Couture: Exclusively re-modelled high fashion attire and general decor for the discerning ratlover. Rat Room Netball: A skillful sport whereby you clean the rat cage, tidy up the room, and perform other important tasks with your feet firmly planted in the one position the entire time, so as not to squish free ranging rampant ratlets. Ratalyst: An as yet unidentified substance present on rat fur that promotes the lowering of human willpower so that more rats are easily and rapidly absorbed into the household. Rata-tatty: The point at which aeratted clothing can no longer be worn in public without legal repercussions. Ratatonic (or Ratatonia): That pitiful look rats get when they are someplace they don't want to be and just sit stock still in spooked stoney silence (vet, outdoors, one room away from the vacuum cleaner, etc.). Ratattoo: Scratches on your neck, arms and legs that indicate your membership to SORE (Society Of Rat Enthusiasts). Ratification: A formal approval from your partner that you can modify the house, furniture and appliances in any way necessary to provide a safe, fun environment for free ranging rats. Ratochistic: Said of one who derives pleasure from being scratched, peed on, enduring violent allergic reactions, picking up raisins, cleaning cages and spending all their money on rat food and vet bills. Ratriarchy: A form of social organisation in which rats hold all of the power (common in most pet rat households). Rattisphere: The small circle of friends who love your rats with which you socialise now that all your other old rat intolerant friends aren't welcome anymore. (See Intolerodent) Rattitude: The cheeky, clever and defiant air of confidence exuded by all rats. Rattorney: A rat able to weasel it's way out of damaging circumstances Rattus stalactitus: The rare species of rat that has a propensity to hang upside down from wire cage lids. Remarkable: The amazing way rats have to re-scent everything in the house over and over and over again. Rexpectation: The state of hoping for a few curly whiskers in your next litter. Rodentertainment: The joy and happiness you acquire from watching the comical and clever antics of your rats rather than television. Rodentist: A rat skilled in human teeth cleaning and oral hygiene. Rodentomontade: A long bragging speech where one boasts about the charm, cuteness and downright perfection of one's ratties. S Scentscape: The results of a rat's careful scent marking of his cage, getting all the different zones of the cage arranged in a delightful (to rats) scentsoria of odors. Scentinel / Scentry: A pee drop placed at the border of a rat's territory to guard their domain from rogue rodent invaders. SCUBRA: (Self Contained Under Blouse Rat Apparatus) A supportive undergarment worn by women for the express purpose of providing safe and comfortable shirt diving for their rats. Self restraint: Control imposed by oneself when one sees a tank full of solid coloured ratlets for adoption in the pet shop. Shredware: The high necked, long sleeved garments commonly worn by rat owners when playing with their rats. Smug sluggery: The act whereby a rat lazes with his head lolling over the edge of his hammock, wearing a smugly contented expression. Snottoisseur: A rat who has special skills in the gourmet art of used tissue eating. Sofamorphism: The incredible ability of all rats to squish themselves into any shape in order to fit behind/inside large immovable furniture and household appliances. Squat: Repetitive leg exercise performed by rat owners who wish to sit on their sofa, despite their rats' considering it their own personal territory. Squirmish: A rambunctious fight for position on a lap involving more rats than the owner has hands for scritching. Squish: A rat known for it's large soft cuddly form, which tends to go all limp and pliable when scritched. (See Ramekin The Squish) Stashism: Political belief that all extra food and miscellaneous items should be stored for later use. Stat!ic cling: The invisible attraction that draws and holds male rats to any item that female rats have touched. (see also Eau de Doe) This term evolved after I needed a crowbar to lever Stat! off my lap after I'd played with some girl rats. Stynchronisation: The amazing coincidence that visitors always manage to drop in unannounced just before cage cleaning day when the whole house reeks of rat pee. Suffosafe: The amazing ability of rats to breathe sufficient oxygen despite being on the bottom of a huge rat pile-up in the hammock. T The Badlands: Anywhere in your home that is out of bounds to rats (because they do bad things there) that they therefore spend all their free range time trying to sneak into. Tomfooffery: Rats who are horsing around, and unrepentant in their silly behaviour. (see also Fooffery) Treatise: A written document that states all owners are required by law to offer at least one yogurt drop per rat per day. Treatoscopic: Describes rat eye-sight that, despite being generally poor, is somehow able to locate a treat you aren't sharing from 50 paces. TwoRattes Syndrome: The involuntary utterance of a string of expletives, usually found to occur when attempting to place a pair of rodents safely into a single cage after free-range time. U Understudly: A rat who aspires to be alpha. V Vampire Rat: A rat who will not show up on photographic film, despite being in centre frame and in-focus moments before shutter release. Vermen: Those wonderful rare human males who love rats. They often accept being second best in their partners affections (after the rats, of course), and cheerfully offer their hard earned cash to pay for and/or build every whim their rats might want or need. W Whizard: A rat who manages to pee in the most unexpected places. Wildefuzz: An endearing term to describe any wild rodent. X Xenofaecalurker: A foreign, unidentifiable object found in your rat's raisin that you have no idea where it came from or how it got there. Y Yellow-belly: A rat too cowardly to admit he's been marinating in his own pee. Z Zoomerang: A rat who dashes out and about but periodically homes in on mom or dad to make sure everything's okay. please leave me a star left of interesting im 14, but i am going to be in the animal feild its all i want to do exspacially rodents! oh yeah this is from dapper.com

Life Insurance?Help appreciated? I have read many answers about term vs. whole life insurance. Maybe I am dumb, but I am still confused with all the options and blah blah blah. Here is my situation and please suggest what I should do as far as life insurance.

newer horizon demanded in usa politicking. can non natural born + nonbinding resolution senate run pres U S ?

association of committee to elect the rev dr kamal karna roy v. homeland security dept us issue birth obama?

the rev dr kamal karna roy gop lawful cand. challenged candidacy_pres 2008 in usdc ndfl mccain & obama birth?