Great Questions Regarding Premium Listing Meaning
http://bit.ly/pR4Bko Sharon asks…Premium grade dark chocolate?Do anyone know in singapore, where i can buy premium grade dark chocolate ( meaning pure cocoa)? Please list down the location where i can buy? Thank you
And also the brand's of the chocolate that i can find in singapore.Larry McCann answers:Taloca (s) Pte Ltd
8 TEMASEK BOULEVARD, 41-02
Singapore 038988, Singapore
Tel63338770
Cadbury S'pore Pte Ltd
346 JALAN BOON LAY
Singapore 619528, Singapore
Tel62610123
Tay Chor Wah
BLK 2 PASIR PANJANG ROAD, 04-23
Singapore 118481, Singapore
Tel62764629
Try these. Good LuckLinda asks…Business advice? what is meant by a premium? please read on!?I was looking at a take away businesses for rent in the local paper. It came to my attention that as well as rent, a £20,000 premium had been listed on the business. Is any one aware of what this premium is please? is it a one of premium or something that has to be payed yearly? any ideas on what this premium is meant to cover?
I would like to at some point in the future open up a business in the food and catering industry, im was just looking at general prices and research and came across a a unheard concept! :-)
Thank you for reading!Larry McCann answers:Yes, the premium is a one-off charge. It's supposed to be some sort of valuation of the business you're taking on. There may be SAV as well - stock at value.
Contact your local Business Link for free help on starting your business. They're particularly good on catering businesses.
Good luck!Jenny asks…What is the difference between the ford mustang v6 and v6 premium?can you list all of the differences? and what they mean? like what is the 6-gauge cluster with MyColor? thanks.Larry McCann answers:The V6 Premium offers a lot of visual and electronic upgrades including leather seats, an aluminum and leather wrapped steering wheel, bright aluminum gas/brake/clutch pedals, a gloss painted center stack, chrome speaker surrounds, and upgraded 17 inch machined aluminum wheels. As for the electronics, the premium adds an auto-dimming rear view mirror, sirius satellite radio (with 6 free months), SYNC, the upgraded Shaker 500 8-speaker audio system, and the special MyColor gauge. Right off the bat, the MyColor gauge add a battery meter and oil pressure meter to the standard speedometer, tach, fuel and temperature. The MyColor part lets you customize the color of the lights on pretty much everything in the car, you can pick from somewhere around 125 hues for the gauge background, the needle, the ambient lighting in the foot-wells and the cup holders, and even the illuminated word "Mustang" on the door scuff plates.Mandy asks…I was recommended a diet product, and I was wondering if anyone had info or results on the diet pill Lipoplex?Two people had recommended me this product. I became suspicious when each person gave me a link to the same product, but with different link titles. Both these people told me the trial was free and I only had to pay S&H ($5 or $6). While I was researching the pill I found out if you ordered the product, you'd automatically be put on the "premium consumer list", which meant your credit card would be paying the full price (about $100) if you didn't cancel the order within 14 days. So two questions and a message: does lipoplex work? is it a scam? and beware if it is a scam of these links (
http://bit.ly/pyYPsDo http://bit.ly/pZjP4go). Thanks!Larry McCann answers:By the way you're describing your experience with the price, it seems like a scam to me. You shouldn't be taking diet pills anyways, it's bad for your health.George asks…If you drive an Infiniti G35 between the years of 2000 to 2007 what kind of gas do you use?Im looking to purchase a 2005 G35 now and im trying to figure out what kind of gas i need to use so that i avoid problems with the car. The cars specs lists "premium unleaded fuel tank" which would mean that i would be paying for the most expensive gas every time i filled up? Would this car really make me trouble if i filled up 87 or 89?Larry McCann answers:The coupe needs premium, the sedan wants premium. Over the long term the 87 will damage the coupe due to spark knock and injector wear.Paul asks…Premium Bedding?Saw a listing in a hotel brochure that says "PREMIUM BEDDING". Anyone know what they mean?Larry McCann answers:Premium bedding would refer (i believe) To the thread count of the sheets, standard bedding is about 180 -200 thread count (that refers to the number of threads in the weave of the fabric),the higher the thread count the more comfortable the sheets, 400 - 500 to me is nice, but 800 is really nice to slide into. 1000 , to me gets a little stiff until washed about 10 times. Try it!, even go into a high end department stores linen section and ask the sales person to show you the difference.James asks…Life insurance question - term life and term life with return of premium?Hello, my spouse and I are in the market for life insurance now. After some researching, we have pretty much decided to go with term or term return of premium insurance. I still have following to decide and if you could enlighten me on these I would appreciate it very much.
Which company?
I found the following list that's supposed to be the best life insurance companies at this website.
http://bit.ly/oXquG * New York Life: A++, stable outlook
* Mass Mutual: A++, stable outlook
* State Farm: A++, stable outlook
* Geico: A++, stable outlook
Does this mean I should probably check out these companies? We have State Farm for auto and home insurance. Would State Farm be a good way to go (convenient to have all three in one place)? I also thought Geico didn't offer life insurance. I was led to LifeQuotes page from Geico. Does this mean that this list is not reliable?
How much?
We are 40-45 years old, just We still have almost 30 years of mortgage, and 20 years of raising our son. I was using some calculator online (Kiplinger, Life Foundation?) to calculate how much coverage I need, and they both returned figures like 1+ million. How can this be? Is 1 million life insurance common these days?
We have about 170,000 in remaining mortgage balance (actually I only included half of that in calculation), and I calculated monthly living expense to be 2,000-3,000 (depending on if our child is still with us)/month with my spouse's income to be 2,000/month, and also included college cost. Does this seem reasonable that this will add up to be million dollars in 30 years, with inflation? I was thinking of about 300,000-400,000 before using these calculators.
Term or Term ROP?
We have almost decided against Term ROP and to go with straight term, but are not final on this decision. What do you all think about ROP? With ROP, do we typically actually receive ALL of the premium, or are there any fees etc. subtracted from the refunded amount? Also, does ROP term insurance give you investment returns in addition to the amount of premium you paid? One of the reasons that we are leaning towards straight term is that with our current age, with 20-30 year policies, the likelihood we’ll actually be using the “death benefit” would be moderately high – then ROP won’t be such a good deal, as well as hearing that if we just get term and invest the difference in the premium, we’d be ahead of term ROP.
How long?
In this case, should we try to get a 20 year term (for while our son will be with us), or 30 year term, just to cover the full length of the mortgage, although I wouldn’t need that much coverage towards the end of 30 years (our son will be with us for only 20 more years, our mortgage will be paid off except for last 10 years or so)? Or buy 25 year return of premium term policy and pay 5 more years of mortgage using the money we receive from return of premium? Or buy two term policies - a large amount of 20 year policy plus a smaller amount (to cover the remaining mortgage balance in the last 10 years of mortgage)?
Thank you for your help!
Also, would we be able to buy term insurance online from these companies, and have guaranteed conversion and renewal (are these the two things I need?) (when purchased online)? - without going in to the agent's office or having an agent come to the office? One visit for health assessment is fine. We just can't have that many appointments while comparison shopping.
Thanks!
InsurancePickle.com, are you referring to State Farm or Geico when you say not to buy life insurance from a auto insurance company? Could you (or someone else) tell me what would be the disadvantage if I did? Thank you!
To all respondents: Please give me guidance on how to find an insurance agent (not tied to a specific insurance company). Would an online agent like Lifequotes.com, where I can talk to a live person if I'd like by calling an 800 number, be OK?Larry McCann answers:You can locate an independent agent by typing in your zip code at the agent locator tab, at www.iiaba.net, to answer your last question first. Sorry, I'm hitting them in opposite order! Online life insurance agents are going to deal with many areas of the country, and probably won't be as familiar with LOCAL options, as a LOCAL agent. Plus, you might get shuffled around the call center, to get to an agent licensed in YOUR state.
I'm not Pickle, but I can tell you State Farm has some of the HIGHEST life insurance rates around. They JUST aren't very competitive.
A million dollars is reasonable.
Regarding those four companies that popped up at the top of the list, sure, check them out - but all it means, is that they PAID to be shown at the top of the list. That's pretty much what you're going to run into, with online rate comparison sites - you'll be steered towards the company that pays the webmaster best.
When you buy insurance online, you can usually do the entire transaction by mail, except for the paramedical exam. And you won't get that, until you've PICKED an insurance company, submitted an application, along with a deposit amount. THEN they'll "verify" your rate for you.
I'm not a fan of ROP term, and I think I explained that in a prior question, in detail.
Look, if you want an "online" experience, I had a pretty good one, at Zander Insurance, and they're licensed in all 50 states. But you've got enough questions and concerns, that honestly, wouldn't you like to be able to develop a relationship with ONE agent that has an office near you, where you can drop by if you have questions or problems? Additionally, with young children involved, maybe it might be worth it to spring for a fee based financial planner, instead, who ISN'T going to try to sell you anything, and will give you TRULY unbiased advice.Powered by Yahoo! Answers
