I am thinking of doing private hostage negotiation/extraction.\nWhat is the sort of cut you get for brokering it with the insurance companies.
126466
I don't know if there is a cut per say, but I do know that many insurance companies hire their own hostage negotiators for extraction purposes.\n\nHowever, if you go to an insurance company and tell them you have the hostage but will not release them without compensation, then you are looking at federal and international laws being broken.\n\nThe best thing to do would be to create some sort of alliance with the insurance company prior to going out and finding someone, or better, have them hire you.
600565
save your money your not going to get buy without hiring a private eye to find out the info im sure your looking for! some halve reasonable rates! good luck!
286453
Really, this is a judgment call.\n\nIs there a public market for the warrants? If so, check the price you can get for a direct sale--it might be better than the profit from exercising and selling the security.\n\nIf the warrants are about to expire, then obviously this is the right time to cash out. If the warrants have a long time until they expire, and you think the company is good, you might want to hold on to them. If you owned the stock itself, would you sell it?
577063
Absolutely! In addition to your medical expenses and general pain and suffering, your lawyer SHOULD also factor in loss from future earnings..and this is a figure that you can quantify based on the offers you received X expected work life......there is case law that allows for it.....
564863
I would make a deal with privately owned gasoline staions to allow you to advertise your brochures at his staion for a flat rate..\nlike 39.00 per month you would be suprise how easy it is to do this...
84747
I've been in the insurance business for over 29 years now.  Good luck to you.  It's not easy.\nIf you're sitting around waiting for the phones to ring quit now.  The best thing you can do is put in some "sweat equity".  Get on the phone and call, call, call.  Telemarketing has a bad reputation now but it works better then anything else.  Don't be afraid to put in some long hours.\nGo to your local library and pull up a copy of the commercial record and find out who's moved into your area and call them.\nFinally, get a copy of the book "Power Position Your Agency" by Troy Korsgaden.  It's well worth reading
330924
You could pay an escrow company to take the risk but that will cut into your profits.\n\nBasically this is the risk you run with dealing with a company in a place that you are unlikely to be able to get legal redress.  The best guarantee you have is the lure of regular business.\n\nGood luck
69103
Many brokers will write a minimum of 1 million GL.  Most of the policies that I'm familar with are from Pennsylvania and a ball park would be $550 a year.  If you add a tool floater or building coverage the premium will increase.
519186
Contact an independent agent such as a Natiowide agent. If they can't write it with their "standard" companies, ask them for a quote throught a wholesaler. You may be able to get a quote with a national association relating to EMTs. Ask others who are EMTs or the instructors. They should have an idea of where other students have gotten their insurance.
453953
Even 10% is way too little to put down.  The broker just wants a commission.\n\nOne key to financial happieness is to live within your means.
69776
No problem, wire me $400,000 and I'll cut you the check right away!\nNo, seriously speaking, use your wife:\n1) Sell her, or\n2) Get life insurance on her and then...never mind, It didn't work for Scott Peterson...\nOr follow any politician around and take pictures...you'll find pleeenty of dirt.  Then ask for an axchange of info for money...also called blackmail.  As long as what he did involves other politicians, you'll be ok here.\nBut there is another one: You can get $50 million easy: Take a flight to Pakistan, then a bus to Wariztan (pack cold weather gear) and wear white or dirty sheets on top. Then see if you can spot Osama and call the cops.  Shouldn't take more than a week unless you're in the CIA. You won't need food or money for hotels, since the locals must by religious belief give you shelter.  Who knows, Osama might be your roomy! he he.\n\n:)
411307
Hi, your friendly insurance guy here again. :)\n\nLong, but hopefully informative, post.\n\nLet's get the ugly bit out of the way first:\n\nTerm is cheap, Whole Life is expensive.  Whole Life pays an agent or broker more commission because it costs more and generally is given a higher percentage commission than Term products.  I mention this because there are a lot of people who hate Whole Life products and think the people who offer them are sleazy.  Thus, I am putting that bit out here right in front to satisfy the Whole Life Haters. :)\n\nHere's how Term Works:\nYou buy it for a specified period of time (typically 1, 5,10,15,20,25 or 30 years).  When that period, or TERM, is over, you can usually renew it yearly at a vastly increased cost until you reach a particular age.  The age at which you can no longer renew vaires by insurance company.  If you live past your TERM and have not renewed, your family gets nothing and you have lost all the premium money you spent (unless you have a "Return of Premium" rider, which not all companies offer and which is often extremely expensive to add).\n\nHere's how Whole Life works:\nYou buy it now.  It stays in force typically as long as you pay your premiums.  The payments stay the same forever; ther eis no "holy crap the renewal cost is insanely higher than last year."  It develops a cash value over time and in many cases the face value of the insurance goes up as well.\n\nThis, by the way, is the fallacy of all those people who say "the insurance company keeps the cash value when you die."  That's not exactly accurate.  As long as the cash value is in the policy, the typical function of it is to pay for additional face value of the insurance.  So yes, while you don't get a check for the cash value when you die, your death benefit will be larger than the original face value of the policy, making it generally a wash.  If you have had the policy for a very long time, the policy owner comes out ahead in many cases.\n\nThe cash value is NOT, NOT, NOT an "investment." That term is reserved for certain other things, like mutual funds.  It can be called a cash accumulation vehicle or a savings vehicle.  It is NOT an "investment."\n\nThe downside to Whole Life is that it costs a LOT more than the same face value of Term insurance - at least, in the short run.  If you buy a 20-year term policy for $100,000 at age 25, start renewing it annually after it runs out at age 45, and compare your lifetime costs, the Term policy will absolutely kill your wallet.  The Whole Life policy in the long run costs a LOT less than constantly renewing an old Term policy.  This does NOT mean Whole Life is for everyone.  It's only appropriate in some situations and for certain clients with specific needs.\n\nSo which one is the best?  This is the part where I hope folks who are shrieking "But...but Suze Orman told me to buy term and invest the rest" realize I am not some commission seeking scumbag:\n\nIT DEPENDS.  There is no "off the cuff" answer.  To know for sure which is the best for you, your specific situation needs to be evaluated.  Contrary to what other folks may say, I do recommend using an agent.  I do that because I am one and I treat clients properly.  If you go to an insurance company directly, you lose the benefit of having a local contact.  And guess what?  Generally life insurance companies are NOT going to give you a discount because there's no agent involved.  They charge the same and keep the commission money themselves.\n\nSo talk to an agent.  Talk to several.  Find one that you are comfortable with.  The agent should be focused on doing a full evaluation of your specific needs.  Be careful with anyone who says:\n\n"Buy Term and Invest the Rest." (they have a preconception of what's right without wanting to consider your case may not fit their mold - ask if they are willing to conside
191025
Well there are many prob firms...\nGndt.com, Carlin Group, TD waterhouse, Hold Brothers, etc..\n\nThey are all upfront with their contracts and regulations.\nYou just need to set your priorities right to start with them.\nBe clear with the deal and the contracts.\n\nJust make sure you get good percentage of profits of what you make for them, atleast 25%.\nThey give you good commissions on trading.\nAlso they should give you some kick back on the volume trade....\n\n\nhave a nice day.\nYou can message me on my yahoo msgr if you want to know more .\nmy id is kgirishraman\n\ncheers
510042
The brokers catagorize their clients.  You have been catagorized as not allowed to sell naked options.  It is that simple.  I had the same problem and quite frankly it made me very unhappy.  If you have your heart set on that strategy, try Optionsxpress.  They might be more understanding.
215681
It can be done, but take a good hard look at the situation first.. are you close to retirement?  Will you invest that $400,00 in such a way that that will not need to work any more?  that kind of money won't go far in this day and age.  Don't forget you'd also be giving up medical, commissary and exchange bennies as well as access to MWR facilities.
219484
I would love to see how much of the overall taxes that they make up... \n\nand how much do the loopholes help them... I've heard a lot, and I know some people who are weathy and they know a few tricks to cut down on what they pay.... \n\nWe all know the most profitable business in America, the oil compaines have tax cuts from the government... I wonder about the personal taxes?\n\nblackcorgi... aren't there "tax-free" investments that you make? or deductions that you have that cut down on that percentage considerably?... wouldn't anyone that makes that much be "a fool" to not take adavantage of these (no offense if you don't)?
296370
From what I have seen, the market is glutted right now in IT. You might be better off finding a firm that is looking for an IT specialist and hiring directly on. Consulting requires usually a good insurance policy. In the nuclear world (where I work), you need at least $1 million in liability.\n\nBest of luck.