Here you will find helpful reviews, informative information and tips and much more. This site is in the format of a ‘weblog’ so that each time I post new information; it will come to the top of the front page. This means that you can check back here frequently to see new updates to the information found here.

You can navigate through the site by using the menus on the sides of the page. Also don’t hesitate to follow the links you see in bold throughout each post to learn more about the product being spoken about.

I hope you find the information I provide valuable and helpful.

All the best,
Julie Smith

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I will reply to all messages as soon as possible.
Julie Smith

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Like other Web publishers, we collect information to enhance your visit and deliver more individualized content and advertising. We respect your privacy and do not share your information with anyone.

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Affiliated sites, linked sites and advertisements*

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http://www.easylifeinsurancesanantonio.com/ reserves the right to change this policy at any time. Please check this page periodically for changes. Your continued use of our site following the posting of changes to these terms will mean you accept those changes. Information collected prior to the time any change is posted will be used according to the rules and laws that applied at the time the information was collected.

Governing law

This policy and the use of this Site are governed by California law. If a dispute arises under this Policy we agree to first try to resolve it with the help of a mutually agreed-upon mediator in the following location: California. Any costs and fees other than attorney fees associated with the mediation will be shared equally by each of us.

If it proves impossible to arrive at a mutually satisfactory solution through mediation, we agree to submit the dispute to binding arbitration at the following location: California, under the rules of the American Arbitration Association. Judgment upon the award rendered by the arbitration may be entered in any court with jurisdiction to do so.

This statement and the policies outlined herein are not intended to and do not create any contractual or other legal rights in or on behalf of any party.

Here’s the deal:

We run this site so that people like you (and people you like) can use it for personal entertainment, information, education, communication, and cyber gratification. So go ahead and browse around all you like. You can even download stuff from the site but only for non-commercial, personal use. If you do, though, don’t fool around with the copyright and other notices all over the stuff. They’re there for a really good reason. And don’t even think about distributing, modifying, transmitting, reusing, re-posting, or anything else uncool with any of the stuff, including the text, images, audio, and video, for public or commercial purposes unless we give you written permission. And it’s not likely we will.

If you visit our site, you’re also legally obligated to [read: stuck with] the terms and conditions listed below and any other law or regulation that applies to the site, the Internet, the World Wide Web, or Los Angeles, CA. You shouldn’t access or browse the site if you have any problem with that, because once you start, there’s no turning back you are bound by [read: stuck with] the terms and conditions.

So here’s the scoop on our Top Ten Rules for Cyber surfers who hang out on our site:

1. For everyone’s sake, just assume that everything on the site is copyrighted unless we say it’s not. So you can’t use the stuff except how we say you can on this page or anywhere else on the site without our written permission. And like we said before, it’s not likely we’ll give you permission anyway. In fact, even if we wanted to, the lawyers are likely to veto any deal anyway. So it’s better you don’t even ask.

2. While we try to include accurate stuff on the site, we’re not promising you it’s accurate. In fact, we’re not promising you anything except fun and entertainment. So if you use stuff on the site, you’re using it at your own risk. Don’t call us if there’s a problem because we assume no liability or responsibility for errors or omissions on the site.

3. We and anybody else who helped us create, produce, or deliver the site are not liable for any damages you suffer when you use it. In particular, the lawyers want you to know that our disclaimer includes “direct, incidental, consequential, indirect, or punitive damages arising out of your access to, or use of, the site. Without limiting the foregoing, everything on the site is provided to you AS IS WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON INFRINGEMENT.

Please note that some jurisdictions may not allow the exclusion of implied warranties, so some of the above exclusions may not apply to you. Check your local laws for any restrictions or limitations regarding the exclusion of implied warranties. ” Ugh! What a mouthful from the mouthpieces. We put all of that in quotes because we couldn’t figure out any other way to say it that the lawyers would accept. But here’s the bottom line we’re not responsible if you’re browsing around and the site damages you or your computer or infects it with any nasty viruses. We sure hope that doesn’t happen, but if it does, don’t call us.

4. If you don’t want the world to know something, don’t post in on the site in any bulletin board or anyplace else. That’s because anything you disclose to us is ours. That’s right ours. So we can do anything we want with the stuff you post. We can reproduce it, disclose it, transmit it, publish it, broadcast it, and post it someplace else. We can even send it to your mother (as soon as we find her address). Not only that, we can even use any ideas, concepts, know-how, or techniques you post any way we want to, including, developing, manufacturing and marketing products or other stuff using the information you post.

5. Pictures of people or places shown on the site are either our property or someone else’s property we’re using with their permission. No matter what, it’s definitely not your property. You or any of your net-friends can’t use it unless we said you could on this page or somewhere else on the site. And guess what we won’t say yes. So be careful, because unauthorized use may violate all sorts of nasty laws. Be smart, keep the stuff you download to yourself.

6. There are also a lot of trademarks, logos, and service marks on the site that either we own or we’re using with someone else’s permission. So don’t think you have any kind of license or right to use them, because you don’t and we’re not about to give you one. If you don’t leave them alone and mess with our trademarks, logos and service marks on our site, we’ll probably go ballistic, so will the companies that own the other trademarks, logos and service marks. That means that we’re likely to sue you or to ask a prosecutor to come after you for messing around with our property or the property of others.

7. You’ll probably notice we’ve linked our site to lots of others. While that’s cool, it doesn’t mean we’ve looked at all those sites, much less checked them out periodically to see what’s going on. So don’t blame us if some site you link to is bad or has stuff on it that offends you or your pets. Go ahead and link, but remember, you’re doing it at your risk.

8. That brings us to what you do on our own site. While we occasionally listen in on chat groups, or look at the posting in our discussion groups or on our bulletin boards, we take no responsibility and assume no liability for the content of those locations or for any mistakes, defamation, libel, slander, omissions, falsehoods, obscenity, pornography, or profanity you might encounter when you visit such places on our site. And don’t be stupid by posting or transmitting any unlawful, threatening, libelous, defamatory, obscene, scandalous, inflammatory, pornographic, nasty, mean, or profane material or any material that law enforcement types may consider a criminal offense, get someone in court on a civil lawsuit, or for that matter violate any law, anywhere, anytime. While we certainly respect your privacy, we have no choice but to fully cooperate with any law enforcement authorities or court which might ask us who might have posted nasty stuff on our site.

9. Software that we use on this Site is protected by all sorts of patriotic U.S. laws. Because of that, you can’t download or send the software to anyone in the vacation travel spots of Cuba, Iraq, Libya, North Korea, Iran, Syria, or any other country where United States has embargoed goods; or (get this) to anyone on the United States Treasury Department’s list of Specially Designated Nationals, the U.S. Commerce Department’s Table of Deny Orders, or the FBI’s Most Wanted Internet Creeps List (just kidding on the last one). As if that were not tough enough, if you live in or are a national of any of those lovely places, you’re not even supposed to be reading this page, so beat it!

10. We’re also allowed to change this page and anything else on the site any time we want to. That’s because it’s ours and we have the programmers who can do it. If we do change the page, then you’re bound by [read: stuck with] those changes, too, whenever you visit our site.

11. If either of us wants to make something of it and wants to sue (a dirty word) then we have to follow these rules of engagement. (sort of according to the Geneva Convention):

This Agreement is governed by the laws of the State of California, without regard to principles of conflict of laws.

To the extent you have in any manner violated or threatened to violate http://www.easylifeinsurancesanantonio.com/ and/or its affiliates intellectual property rights, http://www.easylifeinsurancesanantonio.com/ and/or its affiliates may seek injunction or other appropriate relief in any state or federal court in the State of California, and you consent to exclusive jurisdiction and venue in such courts.

Any other disputes will be resolved as follows:

If a dispute arises under this agreement, we agree to first try to resolve it with the help of a mutually agreed-upon mediator in the following location: California. Any costs and fees other than attorney fees associated with the mediation will be shared equally by each of us.

If it proves impossible to arrive at a mutually satisfactory solution through mediation, we agree to submit the dispute to binding arbitration at the following location: California, under the rules of the American Arbitration Association. Judgment upon the award rendered by the arbitration may be entered in any court with jurisdiction to do so.

If this all sounds kind of mean and undiplomatic, you should have seen what the lawyers gave to us in the first place. We had to remind them that human torture and sacrifice was outlawed in the United States. Boy, did they look disappointed!

< datetime="2011-06-08T14:49:12+00:00">

Certainly highest NAV, but not the best – Yahoo! India News

Make your investment portfolio virtually risk-free, get the highest NAV guaranteed!

Like me, you, too, must have noticed scores of such giant hoarding on traffic signals and ad campaigns in and around your city, proposing a wonderful way to not only protect your capital but also lock in the highest returns. With solid punch lines and attractive advertisement, insurance companies have flooded the market with highest NAV (net asset value) guaranteed plans that are sure to capture your attention. But can these plans really deliver spectacular returns as they project? The answer is no. Let’s see how.

Plans on offer

These new set of plans certainly appear better than the ones introduced last year. First launched by Birla Sun Life Insurance in 2008, these plans have now become a part of the product suit of most of the biggies in insurance space. Until last year, companies like Birla Sun Life, Tata AIG Life and SBI Life offered guarantee on the highest NAVs only on certain dates of a month (reset dates). But the latest range of products, such as the ones offered by Life Insurance Corporation of India, ICICI Prudential Life Insurance and Reliance Life Insurance, plan to capture NAVs on the daily basis and offer guarantee on the highest captured in seven years.

How do these plans work?

These plans follow dynamic hedging investment strategy that essentially allows the fund managers to protect your capital, while at the same time allow an upside of equity. Over a period of time, your investments are split into debt and equity in such a way that you at least get NAV of Rs 10 back at the end of the policy term. If the markets are doing well, fund managers might keep a larger portion of your investment in equities and smaller in debt. Gradually, your investments in equities will be reduced and moved to more secure options — debt schemes that offer minimal but guaranteed returns. Explain Dhirendra Kumar, chief executive officer, Value Research: ”These products don’t actually offer what you think they are offering. That is, they do not offer equity returns that never fall. Instead, they offer an investment system with a very long lock-in (seven to ten years) in which protection is achieved by progressively putting your gains in fixed income assets. The lock-in and the non-equity assets make this a very different kind of investment than the equity-gains-without-losses dream that these funds’ advertising seems to imply.”

This strategy is in contrast with the general principle of investing that suggests that one should buy when the markets are down and sell when they are over valued.

Features

Life cover. Though being offered by insurance companies, these plans should be considered, if at all, for investment purposes. Most of the plans that are available in the market offer the guarantee of highest NAV only on maturity and not in case of a death claim. Barring LIC’s Wealth Plus plan that is a type II ulip and offers both sum assured and fund value, other policies offer just the fund value as a death benefit.

Charges. Apart from the usual set of charges that a unit-linked insurance product charges, these special products deduct an extra fee for giving the guarantee. In case of Reliance Life Insurance’s plan, it is 0.15 per cent per annum of the total fund value. ICICI’s Pinnacle, on the other hand, deducts 0.10 per cent per annum of the fund value and LIC’s Wealth Plus charges 0.35 per cent of the fund value.

Flexibility. While these plans are lending the comfort of guaranteed NAVs, they are taking away flexibility from the policies. Most of the plans being marketed these days, except for LIC, have a fixed policy term of ten years. LIC’s Wealth Plus comes with a policy term of eight years. Moreover, these plans also do not offer high insurance cover.

Should you buy?

No, if you are buying this as an insurance plan or if you are betting on getting returns comparable with the equity over a period as long as ten years. Explains Vishal Dhawan, Mumbai-based financial planner: ”These plans should not be seen as substitutes to pure equity plans that surely have a potential to give better returns over a period of seven to ten years. However, if you are a conservative investor who is looking at nominal returns while ensuring that the principal value is protected, then you may invest 10 per cent of your portfolio in these funds. But since there are a number of companies selling these products now, do compare the charges before taking the final call.”

Secondly, even for conservative investors, this plan is likely to suit the younger age group better than the old ones. The reason: these plans are high on charges and as you grow older the mortality charge (fee deducted to provide you risk cover) also increases. High mortality charge can eat into the returns generated.

Lastly, if you are willing to lock in your investments for such a long period, investing in diversified equity funds or index funds might prove to be a better bet. ”Seven years is a very long time. Over such a period practically any equity portfolio into which any kind of thought has gone would capture substantial gains. Since at least 1997, the minimum total return that the Sensex has generated over its worst seven years is 12 per cent, which was between July 6, ’97 to July 5, ’04,” says Kumar.