Potential problems may exist with life insurance policies

Potential problems may exist with life insurance policies purchased from ANY life insurance company during the 1980s, 1990s and pre 2008.

Many of those life policies have sustainability that is linked to interest rates and performance of the stock market. Interest rates have steadily declined and are at historic lows; also the stock markets over the last decade have under performed.

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Yes, Happy New Year

From Frances Ridley Havergal in1874

New Year’s greeting and “A Happy New Year Prayer!”

Another year is dawning, Dear FATHER, let it be, in working or in waiting another year with Thee; another year of progress, another year of praise, another year of proving Thy presence all the days.

Another year of mercies, of faithfulness and grace; another year of gladness in the shining of Thy face; another year of leaning upon Thy loving breast; another year of trusting, of quiet, happy rest.

Another year of service, of witness for Thy love; another year of training for holier work above. Another year of dawning, Dear Father, let it be, on earth, or else in heaven, another year for Thee. Amen.

Thinking about a new year

Cutting through Singer’s Paradox (This is from Seth Godin)

Teacher and ethicist Peter Singer shares a puzzle with his students:

I ask them to imagine that their route to the university takes them past a shallow pond. One morning, I say to them, you notice a child has fallen in and appears to be drowning. To wade in and pull the child out would be easy but it will mean that you get your clothes wet and muddy, and by the time you go home and change you will have missed your first class.

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