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<title>Christopher Beard - EzineArticles Expert Author</title>
<link>http://EzineArticles.com/expert/Christopher_Beard</link>
<pubDate>Wed, 15 Feb 2012 06:23:15 -0600</pubDate>
<image><title>Christopher Beard - EzineArticles Expert Author</title>
<link>http://EzineArticles.com/expert/Christopher_Beard</link>
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<copyright>Copyright 2012 EzineArticles.com - All Rights Reserved.</copyright>
<description><![CDATA[Chris Beard has worked on advising consumers in the Tampa Bay Mortgage and Real Estate industry for about 10 years now. He was born and raised in Montgomery Alabama and graduated with a business degree from Auburn University. Prior to finding his niche in the real estate and mortgage industry he was an insurance wholesaler and financial advisor. Independence and a good background in marketing led Chris in 2005 to establish Genesis Home Mortgage Inc. and simultaneously obtained his real estate license and partnered with Industry Partners Title. He gained extensive knowledge working in all facets of the real estate ... ]]></description>
<lastBuildDate>Tue, 07 Feb 2012 15:02:14 -0600</lastBuildDate>
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<title>Are Reverse Mortgages Safe?</title>
<link>http://EzineArticles.com/6859698</link>
<guid>http://EzineArticles.com/6859698</guid>
<pubDate>Tue, 07 Feb 2012 15:02:14 -0600</pubDate>
<description><![CDATA[  The first reverse mortgage was offered by Deering Savings &amp; Loan of Maine in 1961 to a woman named Nellie Young the wife of the loan officer's deceased football coach. Reverse Mortgages gained widespread recognition in 1988 when HUD administered and FHA Federal Housing Authority with the guidance of Senior consumer associations and established the program to assist senior homeowners aged 62 to access a percentage of their home equity to provide a resource for retirement. Since that time many compliance resources, education, books, guides and videos have been created to create consumer safeguards.]]></description>
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<title>Changes on the Horizon for Seniors Seeking a Reverse Mortgage</title>
<link>http://EzineArticles.com/6758429</link>
<guid>http://EzineArticles.com/6758429</guid>
<pubDate>Thu, 15 Dec 2011 20:10:30 -0600</pubDate>
<description><![CDATA[Seniors seem to be gaining clarity of the purpose for a reverse mortgage with over 72,000 FHA HECM loan units completed in 2010 and close to that for 2011 expected, which is low compared to 2006-2009 when the industry peaked. Industry wide changes are on the horizon for senior homeowners who want to take out a reverse mortgage in the coming year though here are a few of the changes that can be expected in the coming year. Here are a few changes to expect:]]></description>
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<title>How Seniors Can Grasp a Clear Understanding of the Reverse Mortgage, and Its Purpose</title>
<link>http://EzineArticles.com/6561755</link>
<guid>http://EzineArticles.com/6561755</guid>
<pubDate>Fri, 16 Sep 2011 16:21:30 -0500</pubDate>
<description><![CDATA[While one may start saving money early for retirement, a number of issues can often come up over time to drain such savings. So, regardless of how much one has saved over time, one can never be sure whether or not one may still have enough money come retirement age. As such, it is more important than ever that communities see seniors grasping a clearer understanding of the reverse mortgage and how it can provide funding for retirement when on a fixed income]]></description>
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<title>The HECM Saver Reverse Mortgage Offers Lower Fees Than HECM Standard Reverse, What Is the Catch?</title>
<link>http://EzineArticles.com/6561729</link>
<guid>http://EzineArticles.com/6561729</guid>
<pubDate>Fri, 16 Sep 2011 16:12:59 -0500</pubDate>
<description><![CDATA[The Home Equity Conversion Mortgage (HECM) is a Federal Housing Administration (FHA) reverse mortgage program. A reverse mortgage is a home loan that is unique as it allows you to convert part of your home equity into money. The accumulated equity over the years of your home mortgage payment can be paid to you. There are two types of programs available namely the Saver and the Standard. They are similar in many ways apart from the HECM saver objective to cut cost over HECM standard program]]></description>
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<title>How to Procure the Lowest Rates For Florida Homeowners Insurance</title>
<link>http://EzineArticles.com/4933488</link>
<guid>http://EzineArticles.com/4933488</guid>
<pubDate>Wed, 01 Sep 2010 14:04:21 -0500</pubDate>
<description><![CDATA[The Insurance Information Institute estimates that the average annual premium for homeowners insurance is $879. (Florida has the highest average premium, at $1,534 in 2007. the compounding effects of the national economy have exacerbated the problems as well. the Florida economy is in turmoil. Everyone is looking for ways to reduce overhead, and any increase in insurance premiums can have overwhelming effects on Florida homeowners. So what can you do to procure the best rates?]]></description>
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<title>4 Easy Ways to Slash Your Auto Insurance Premium</title>
<link>http://EzineArticles.com/4900919</link>
<guid>http://EzineArticles.com/4900919</guid>
<pubDate>Tue, 31 Aug 2010 18:10:10 -0500</pubDate>
<description><![CDATA[Let's face it, Florida auto insurance is expensive there are several reasons premiums may be increasing The main reason is claims In order for insurance carrier to remain profitable they have to properly manage cash out vs. cash in. One of the biggest influxes of claims stems from auto insurance fraud which has driven up insurance rates in central Florida.]]></description>
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<title>Life Agents Building Life Insurance Agencies Working From Home in Bad Economy</title>
<link>http://EzineArticles.com/2867058</link>
<guid>http://EzineArticles.com/2867058</guid>
<pubDate>Wed, 23 Sep 2009 15:54:56 -0500</pubDate>
<description><![CDATA[Life Insurance agents/ agencies are utilizing technology not only to produce new business but also to grow multi-state insurance agencies. In view of the current changes in the economy as a whole there is a myriad of displaced workers who are looking for new career opportunities as employers downsize in an effort to wait out the greatest job loss recession since the 1974-75 and the 1981-82 recessions hit.]]></description>
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<title>Things You Should Know About Life Insurance Rates Before You Apply</title>
<link>http://EzineArticles.com/2769232</link>
<guid>http://EzineArticles.com/2769232</guid>
<pubDate>Tue, 08 Sep 2009 14:48:49 -0500</pubDate>
<description><![CDATA[While we cannot control everything in our lives there may be some things we can control that relate to the prices we pay for life insurance. Lets review some of the most common issues that can directly influence the premium cost of a life insurance policy and how we can avoid overpaying by being proactive.]]></description>
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<title>How Can You Obtain Accurate, Term Life Insurance Quotes Online?</title>
<link>http://EzineArticles.com/2562583</link>
<guid>http://EzineArticles.com/2562583</guid>
<pubDate>Mon, 13 Jul 2009 10:22:59 -0500</pubDate>
<description><![CDATA[Both Insurance carriers and marketers have been offering quoting aggregators as a way to both trim down cost of advertising and reach consumers as they begin there online research and shopping. So the big questions is: Are the premiums provided from these quoting websites accurate and are these rates you can realistically expect to obtain for your specific age health and weight class...]]></description>
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<title>How Consumers With Health Issues Can Obtain the Lowest Rates For Life Insurance</title>
<link>http://EzineArticles.com/2562568</link>
<guid>http://EzineArticles.com/2562568</guid>
<pubDate>Mon, 13 Jul 2009 09:01:03 -0500</pubDate>
<description><![CDATA[If you want the life insurance professional to come up with a "best rate class ", then the agent will need to expect a truthful discussion about medical issues right from the start. A discussion of private details can be invasive even so, it is essential for the proposed insured to realize that the greater the detail of any challenge that can be discovered subsequent to the application and required physical exam, the easier the whole process will be.]]></description>
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<title>How to Compare and Buy Term Life Insurance Online, Without a Hassle</title>
<link>http://EzineArticles.com/2454901</link>
<guid>http://EzineArticles.com/2454901</guid>
<pubDate>Thu, 11 Jun 2009 14:26:11 -0500</pubDate>
<description><![CDATA[Some forms of Life insurance such as variable life, universal life and investment type policies may require a more hands on approach, most families purchase term because it is cost effective and serves a purpose during the highest risk years when you own a home and have young children and a spouse to protect. Term insurance is not complicated if you know what your looking for here are a few guidelines to consider when searching online;]]></description>
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<title>Diabetes and Life Insurance - What You Need to Know</title>
<link>http://EzineArticles.com/2371561</link>
<guid>http://EzineArticles.com/2371561</guid>
<pubDate>Tue, 09 Jun 2009 16:42:46 -0500</pubDate>
<description><![CDATA[When an insurance carrier is trying to determine a health risk assessment they will ask more detailed questions about the specific health condition, such as when the disease onset occurred, and how you are managing the condition whether through insulin injections, oral medications or diet and exercise. Health issues such as these will definitely result in a rating below standard for a type 2 diabetic insured and below standard rating at best for insulin using diabetics. ]]></description>
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<title>Income Replacement Term Insurance Saves Premium For Equivalent Face Amounts to Lump Sum Payouts</title>
<link>http://EzineArticles.com/2326277</link>
<guid>http://EzineArticles.com/2326277</guid>
<pubDate>Wed, 13 May 2009 13:42:50 -0500</pubDate>
<description><![CDATA[What if there were a policy that would bear the burden of both your families immediate and long-term expenses in the event of a death of a family income provider and simultaneously reduce the out of pocket cost in today's current financially difficult times. In comes the recent term life insurance introduction that provides for families to purchase a death benefit face amount that is paid out over a certain number of years 5,10,15.20,30 rather than in a lump sum at an evident discount over a straight lump sum benefit policy.]]></description>
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<title>Can Being Overweight Prevent You From Obtaining Health Insurance?</title>
<link>http://EzineArticles.com/2203550</link>
<guid>http://EzineArticles.com/2203550</guid>
<pubDate>Mon, 20 Apr 2009 16:13:52 -0500</pubDate>
<description><![CDATA[During the past 10 years there has been a dramatic upturn in Obesity and overweight adults in America and as you can imagine it has had a serious cost impact on the U.S. health care system. While many consumers who are denied health insurance coverage for being overweight or rated with a "fat tax" may feel that they are being jilted by the insurance underwriting system. Fair or not treatment for health issues associated with overweight and obese individuals does have significant repercussions on the economy and the overall cost of health care. ]]></description>
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<title>Healthcare Subsidy May Help Unemployed Cover Healthcare Cost at Crucial Time</title>
<link>http://EzineArticles.com/2014119</link>
<guid>http://EzineArticles.com/2014119</guid>
<pubDate>Fri, 27 Mar 2009 14:05:09 -0500</pubDate>
<description><![CDATA[Lawmakers are scrambling to work out the kinks in the Financial Stimulus Plan one of the plans focus has been on consumer healthcare cost and ways to insure healthcare for families in this economic crisis. Recent reports say all the details are not yet known as the house and senate work to finalize the plan, but the outcome should be good and released as soon as the end of the week. The purpose of the COBRA subsidy is to help many Americans who are losing employment maintain coverage.]]></description>
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<title>Tight Economy and Limited Budgets Spark Increase in Sales of Used Gym Equipment</title>
<link>http://EzineArticles.com/2085827</link>
<guid>http://EzineArticles.com/2085827</guid>
<pubDate>Wed, 25 Mar 2009 10:38:34 -0500</pubDate>
<description><![CDATA[In today's economy of tightened lending requirements and loss of employment we are seeing a downturn in the startup of new health clubs and fitness centers. Even corporate fitness centers have dropped off due to smaller budgets, layoffs and the like. Likewise we have seen an increase in gyms and health clubs, personal trainers seeking used fitness equipment. Regardless of any economy crisis, fitness equipment is going to break and wear out after many years of use. The facility will have to replace it with new equipment to keep the members happy and maintain the facility. The need has arisen for alternative options to fulfill the obligations of the facility yet remain within the confines of limited budgets.]]></description>
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<title>Why You Should Consider Used Or Refurbished Fitness Equipment?</title>
<link>http://EzineArticles.com/2014144</link>
<guid>http://EzineArticles.com/2014144</guid>
<pubDate>Mon, 02 Mar 2009 10:18:04 -0600</pubDate>
<description><![CDATA[When many people think about New Years Resolutions the first thought that pops up after the holidays is I need to join the gym and get some equipment or start exercising more. December and January are big months for fitness equipment dealers and health clubs. We will probably all agree in the hustle and bustle of daily life getting to the gym can be difficult.]]></description>
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<title>Design Elements and Equipment Options For a State of the Art Home Gym Or Personal Trainer Facility</title>
<link>http://EzineArticles.com/2014158</link>
<guid>http://EzineArticles.com/2014158</guid>
<pubDate>Mon, 02 Mar 2009 09:42:33 -0600</pubDate>
<description><![CDATA[When you think about designing a home gym, apartment gym or personal trainer facility that fits the end users fitness goals, do you initially think about possibly a couple pieces of cardio or multi-gym that works all your body parts equally? Maybe you are a serious trainer or a personal trainer who trains clients from your home gym or small commercial facility. If that is the case You may need some quality commercial gym equipment over the typical retailer options]]></description>
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<title>Principal Plan Types You Need to Understand Before Choosing a Health Insurance Plan</title>
<link>http://EzineArticles.com/1515645</link>
<guid>http://EzineArticles.com/1515645</guid>
<pubDate>Mon, 29 Sep 2008 11:00:03 -0500</pubDate>
<description><![CDATA[As consumer health care cost continue to soar it is important to do your research and determine what types of coverage features are important to you and your family. As well some of the plans have commingled the different features to establish new plans that meet different consumer needs and premium tolerances. Here are a few simple guidelines to help you make an educated decision for a plan for yourself and or your family.]]></description>
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<title>How Brokenness Can Lead You to Your True Purpose in Life</title>
<link>http://EzineArticles.com/1515654</link>
<guid>http://EzineArticles.com/1515654</guid>
<pubDate>Mon, 29 Sep 2008 10:55:01 -0500</pubDate>
<description><![CDATA[Have you ever found yourself putting great dependence on some area of your life or confidence in yourself? Maybe an area that you take great pride in, your education, your career, your possessions, your wealth, your good looks, your achievements, athletic ability, you communication skills, your intelligence, your status at work or among your friends or simply the independent pursuit of such things are the total focus or top priority in your life.]]></description>
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<title>Things You Should Know Before Purchasing Individual Or Family Health Insurance</title>
<link>http://EzineArticles.com/1495501</link>
<guid>http://EzineArticles.com/1495501</guid>
<pubDate>Mon, 22 Sep 2008 11:55:18 -0500</pubDate>
<description><![CDATA[Determining which plan from among all the options companies are offering these days can be a bit overwhelming. If you have looked online at the different choices you can relate. As in anything if you break these plans down, it all starts to bring clarity to what might be important for you or your family.  Here are some basic nuts and bolts to look for in a health plan.]]></description>
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<title>Consumer Managed Health Care and Health Savings Accounts (HSA's) May Be the Wave of the Future</title>
<link>http://EzineArticles.com/1352636</link>
<guid>http://EzineArticles.com/1352636</guid>
<pubDate>Tue, 29 Jul 2008 14:29:06 -0500</pubDate>
<description><![CDATA[The need for reduced health care cost brought about the formation of Health Saving Accounts about four and a half years ago and their use has grown in use by American consumers exponentially. Most consumers will agree that health insurance is too expensive especially if you have a family to cover. Deciding what policy makes the most sense can be confusing regarding co-pays and deductibles, and features because the ones with the most features and lowest deductibles cost the most so you are left with the dilemma of determining how much will you actually use if you pay for all the bells and whistles. This is where the Health Saving Account can make it possible to get great coverage with a reduced premium and have a reserve expense account for when a major medical expense does occur.]]></description>
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<title>Consumer Job Loss Creates Need For Short Term Medical Insurance</title>
<link>http://EzineArticles.com/1341507</link>
<guid>http://EzineArticles.com/1341507</guid>
<pubDate>Fri, 25 Jul 2008 14:22:38 -0500</pubDate>
<description><![CDATA[The recent changes in the economy have created a large consumer base without employer health coverage  and as anyone knows unexpected illnesses and accidents can happen at any time. Consumers in transitional periods have the greatest need for short term medical insurance. Any unexpected illness, accident, or injury could deplete all of a family's savings-even lead to financial disaster. Short term medical insurance can be a short term solution.]]></description>
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<title>5 Common Sense Approaches to Adequate Life Insurance Coverage</title>
<link>http://EzineArticles.com/1286015</link>
<guid>http://EzineArticles.com/1286015</guid>
<pubDate>Wed, 02 Jul 2008 09:15:53 -0500</pubDate>
<description><![CDATA[71% of Participants Surveyed Claim to Have Life Insurance: However, a LIMRA survey determined those same insured adults are more likely to have only a group life insurance policy obtained through their employer and were only covered by the smallest amount of life insurance. In fact 56% of married adults with children believe they are inadequately insured. These studies clearly show Americans are aware they need insurance when questioned but are uncertain about how much they actually need and honestly admit with regard to obtaining it that they "just never got around to it." and "are uncertain how much life insurance we need".]]></description>
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<title>What Are You Worried About?</title>
<link>http://EzineArticles.com/1253497</link>
<guid>http://EzineArticles.com/1253497</guid>
<pubDate>Thu, 19 Jun 2008 09:17:53 -0500</pubDate>
<description><![CDATA[The key to maintaining your peace in difficult and trying times is to seek first the guidance of God, if you have a worry or concern, take it to God in prayer and simply expect the best outcome. Many times your direction and answers can be found in scripture.]]></description>
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<title>Smokers and Life Insurance, What You Know Can Save You Dough!</title>
<link>http://EzineArticles.com/1244860</link>
<guid>http://EzineArticles.com/1244860</guid>
<pubDate>Tue, 17 Jun 2008 08:10:13 -0500</pubDate>
<description><![CDATA[Most tobacco users are the first to put off purchasing life insurance because they anticipate the rates being out of reach. Insurance companies do consider a smoker to be a higher risk to cancer, respiratory problems, high blood pressure, missed work and death and will rate the insured at standard the majority of the time. Approximately 90% of the carriers we reviewed required 3 to 5 years smoke free to qualify for the best rates of preferred and preferred plus rates.]]></description>
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<title>Not a Gamble - Term Life Insurance That Pays a Benefit to the Insured For Living</title>
<link>http://EzineArticles.com/1244849</link>
<guid>http://EzineArticles.com/1244849</guid>
<pubDate>Tue, 17 Jun 2008 08:09:21 -0500</pubDate>
<description><![CDATA[Insurance providers have a policy to overcome the most common consumer objection to purchasing term life insurance: what If I live? For those consumers who think term life insurance is a waste of money because they may not die, here is something to consider. If you can work a little extra premium into your budget here is a way to avoid the gamble and still protect your loved ones "the real purpose for life insurance" and receive a cash benefit for staying alive.]]></description>
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<title>Why Seniors Choose Whole Life Insurance, Over Term Life</title>
<link>http://EzineArticles.com/1082341</link>
<guid>http://EzineArticles.com/1082341</guid>
<pubDate>Thu, 08 May 2008 15:26:51 -0500</pubDate>
<description><![CDATA[Seniors who have yet to put insurance into their retirement plan may find that a small amount of whole life is the best option for protecting a spouse or providing final expenses after they are gone. While many people may have already purchased some form of term policy for the protection of a spouse or children much earlier in life, some may find that have little or no protection that will continue until they are older and provide a benefit for their spouse long after a term policy would have terminated. Considering how long people are living today, it is imperative that seniors with limited resources have something in place before they become uninsurable.]]></description>
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<title>40 or 50 Year Term Mortgage - Is It A Wise Choice?</title>
<link>http://EzineArticles.com/975849</link>
<guid>http://EzineArticles.com/975849</guid>
<pubDate>Wed, 26 Mar 2008 08:28:53 -0500</pubDate>
<description><![CDATA[Your parents probably purchased their home with a traditional 30-year fixed-rate mortgage and possibly lived there until retirement, right? The era of a homeowner sticking to their house payments for 30 years and paying the house off completely is all but a distant memory. Homeowners these days typically move or refinance every 3-7 years.]]></description>
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<title>Will Improved Technologies Streamline The Way Consumers Purchase Term Life?</title>
<link>http://EzineArticles.com/1003480</link>
<guid>http://EzineArticles.com/1003480</guid>
<pubDate>Tue, 25 Mar 2008 15:00:04 -0500</pubDate>
<description><![CDATA[Today's' savvy consumers with their busy, on the run lifestyles may not find it possible to commit to an appointment with an insurance agent for basic mortgage protection or term life insurance. Even though every married couple or family should have some basic form of protection in place to cover against a tragic loss or sickness, many avoid putting it on the top of the to-do list due to simple inconvenience. Considering these obstacles regarding protecting your family against loss, how can technology improve a consumers buying experience and shorten the application process?]]></description>
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<title>FHA Loans - The New Subprime Alternative?</title>
<link>http://EzineArticles.com/958178</link>
<guid>http://EzineArticles.com/958178</guid>
<pubDate>Tue, 05 Feb 2008 10:42:10 -0600</pubDate>
<description><![CDATA[The recent mortgage market meltdown has left current homeowners who fall into subprime loans between a rock and a hard place.    The subprime financing options have all but disappeared: A combination of foreclosures, Wall Street's trimming the fat of subprime securities and  recent sagging home prices in declining markets have had a serious impact on the broad lending programs offered just a short time ago. Even the nation's largest backer of loans, Fannie Mae, announced new loans accepted after January 15th 2008 in declining markets may be subject to a 5% reduction, meaning a 100% purchase ...]]></description>
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<title>Financial Delusions - Why You Struggle With Money</title>
<link>http://EzineArticles.com/958153</link>
<guid>http://EzineArticles.com/958153</guid>
<pubDate>Tue, 05 Feb 2008 10:39:28 -0600</pubDate>
<description><![CDATA[Do you struggle with your finances or overburdened with debt? Are you delusional about what you want and what you actually need? Here are some basic spiritual principals that should direct how you view money and possessions...]]></description>
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<title>Mortgage Protection Insurance or Straight Term Life - Which Is Best For You!</title>
<link>http://EzineArticles.com/940346</link>
<guid>http://EzineArticles.com/940346</guid>
<pubDate>Wed, 23 Jan 2008 08:37:53 -0600</pubDate>
<description><![CDATA[Regardless of how careful you try to be, life is full of the unexpected. That is why mortgage protection and life insurance is all about the certainty of planning for the uncertain. It is not uncommon for life insurance to also be referred to as mortgage protection insurance, since most people equate buying life insurance with the need to pay off large debts.]]></description>
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<title>Release Yourself From The Burden Of Debt</title>
<link>http://EzineArticles.com/940308</link>
<guid>http://EzineArticles.com/940308</guid>
<pubDate>Wed, 23 Jan 2008 08:36:51 -0600</pubDate>
<description><![CDATA[Do you feel like you are in debt prison?  Are you in financial turmoil wondering how you can continue to keep everything from imploding on you? Did you know that there were actually debtor prisons in America before the Revolutionary War?]]></description>
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