The life insurance industry is one of the last examples of unrestricted capitalism in this country. Despite some regulation by various government agencies, life insurance remains a largely uncontrolled financial giant. It is the life insurance plan, how it works, that shields this industry. The Mortality Mortgage, the source of the Barnes Standard is an explanation of life insurance pricing, and a call for full financial disclosure through regulation of the industry. It is intended for financial consultants, tax attorneys, CPA's, life insurance agents, and other groups who advise consumers on financial matters. Insurance buyers supply this industry with millions of dollars in premiums each year. Consumers deserve a truth in lending law and an appraisal process for this financial service. Life insurance is not a product, it is financing. Four factors denote financial quality: price or principal, rate, term and closing costs. Consumers understand these financial elements for homes and bonds, but they do not equate the fundamentals of financial quality with life insurance. The life insurance industry, through marketing and advertising, has taught the public to focus on premiums, death benefits, and cash values; financial elements are ignored. The Mortality Mortgage compares and contrasts three financial models: the home mortgage, the bond or debt security, and life insurance. Additionally, it provides the formulas necessary for appraisal of a life insurance plan. With an appraisal, a comparison of insurance policies is possible. Once pricing is understood, consumers will demand full financial disclosure through regulation of the life insurance industry.
Have you ever sat back and wondered why your life is going the way it is? Have you ever sat back and really examined why you are in a situation that could have been avoided? Or maybe pondered over scenes in your life that has fostered a broken heart? Maybe you have been caught up with situations where you relied on strength of others. Whatever your case, "Who's gonna pay the mortgage" introduces women from every walk of life to a different point of view, no matter what their situation. This is a powerful adaptation of how everyday women, like you and I, deal with matters of self-love and relationship recoveries. The book is broken down into elements that help women "re-discover" and in some cases "re-invent" their selves to become more positive in every aspect of their lives. The book opens with "I Female," a tribute to the female empowerment. It allows us to be able to look into ourselves, as strong individuals and not just survivors or victims. It also reminds us that we as women are critically needed. Because of this need, we often forget about our own needs as individuals. The book also ventures into places normally not visited by female authors. "Don't Fall In Love with the Cover" is an eye opening chapter that emphasizes on looking beyond the normal protocol when you are trying to find a mate. This chapter holds no punches because it goes straight to the source of what women target. It takes us down the path that we normally don't revisit to show us where we fall short when we make decisions. It further goes into how we "pick" our man by their external attributes, and not by their value. In the end, we travel from man to man because "men are all the same." Yet in contrast, it is not the men that are the same it was in essence your mistake for falling in love with what you saw or thought he had. This is a wonderful chapter that will raise brows for some, and invoke laughter from others. This book was written out of love for our sisters. The ones who have been through, the ones that are going through, and the young ones whose journey has just begun. "Who's gonna pay the Mortgage" has nothing to do with a financial status or finding someone to pay your bills. It has everything to do with getting yourself right and preparing yourselves for what lies ahead. It also arms the reader with powerful tools so they can be able to recognize the sometimes "unrecognizable." In total, this book, "Who's gonna pay the Mortgage" breaks us out from the norms of how we as females live our lives. It gives us two very different points of views from two very different individuals. This book was not written as a beat down to our brothers. It was written to be used as an awakening. An awakening that lies in the souls of all women. Furthermore, it is our sincere hope that the reader is as captivated with the contents as we were in writing "Who's gonna pay the Mortgage"?