Term Life Insurance Vs. Whole Life?

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I’m looking for nice, helpful replies only please.

I went to my dentist yesterday and thought I would have to get my filling refilled since the top and side of my tooth have another hole. Anyway, my dentist said I would have to get either root canal treatment done with a crown or get my tooth extracted. Because of my age (I’m 21) she suggested I went with root canal.
But she also said my success rate of the treatment would be a little lower as the tooth has bad decay, tooth is dead, and the abscesses are pretty bad. So its 80% success 20% failure.
Like all procedures she said if it doesn’t work out I would have to get the tooth extracted anyway.
I’m a very stressed out because she has made me feel like my teeth will be destroyed for the rest of my life if i get it extracted and not go with root canal. Problem is I don’t have health insurance and she has quoted me $2600 for the root canal and crown treatment. It has already cost me $295 for her to tell me to go home and make my decision.
Every where i have read it says root canal is better and tooth extraction is nothing but a disaster. I’m so confused. I can’t afford to have it done but don’t want my teeth to shift and so on.
I have another hole on the same tooth on the other side, which they "didn’t have time" to check so I have no idea what the go is with that tooth at all. My wisdom teeth are coming through at the back as well.
Can i have some help please cause im so confused and would like other people opinions or their experiences?

Success rate of an RCT should be 98%. If she can’t give that sort of promise then you may need to see an endodontist (RCT specialist).
The structural strength of the tooth AFTER the RCT is the real concern. This is where many teeth can fail despite a good RCT. For a crown to succeed, you need a fair amount of natural tooth structure for it to encircle. A crown is no use if it only surrounds a big filling.
However, if a crown is not suitable, then consider cusp-capping the tooth (with amalgam, not composite), and reinforcing it with posts and/or pins. They may not be pretty, but can work very well for many years, even indefinitely. A lot cheaper too.
If you possibly can do any of these options, then saving this tooth is a good thing. 1st molars are very strategic teeth with robust roots. If you have to have it taken out, you will regret it later. It is hard to replace.
If you do choose to have it removed, then the tooth behind will NOT tilt forward IF you also remove the "wisdom" teeth soon thereafter. Don’t simply extract the first molar and make the double mistake of leaving the "wisdom" teeth behind, or the wizzies will push over the 2nd molar and make a mess of your bite.
And… best of luck!

Can you give me 1 biblical quote from your little book that mentions non middle eastern people? Wheres this idea come from? Does God favour the US so much that he gives it the highest child mortality rate in the western world? How about shorter life expectancy and lower standard of living? Does God favour the US so much he allows 18000 peole to die each year from preventable illness because capitalist insurance companies wont insure people? Also why should I then choose salvation from your God who favours you more than me? Why is God such an ethnocentric nationalist?

nationalism seems to be a part of religious extremism (at least in the abrahamic religions)

I am a 27 year old male with no points on my licence, its been six years since any kind of accident, I have never been pulled over and given a ticket in my life. It seems that no matter what kind of car or what location Im in I can not get a good car insuarance rate. At one point I was paying over $4000 a year. I recently did an inquiry to see what it would cost to insure a 99 toyota tercell with an alarm, various anti-theft devices and in a state that is known for having lower cost insurance, plus it would only be for work and less than 10,000 miles a year in driving. I was quoted $209 a month! Other than one accident 6 years ago, I have a spotless driving record, why are my insurance costs so crazy?
Thanks for all the help everyone, but I forgot to mention that the $209 is just for liability with a $2000 deductible. This is with many different Ins companies. I think I am just unlucky.

have you kept continuous coverage, if not, that can raise your premiums. Also, I heard somewhere that insurance rates don’t drop for a guy until 30. Sorry!

In May of 2007 I broke my ride and still own it. In San Antonio 2007 it rained so much, too much, it flooded out my car. So here are the chains of events which lead to my car being an issue. My car got flooded
• Was towed and dried out-worked but ticked
• Brought to an oil shop to drain water-
• Oil shop never removed oil-
• Car breaks-
• Get quoted for engine replacement and motor cost-$3,650
• Claimed to insurance
• Apparently was in between coverage when incident occurred (no INS coverage at time of incident)-got lawyer to lawsuit oil repair shop
• Fired lawyer (got ripped-off)
• Stuck making payments on a broke vehicle
So what can I do?
I’m a young college student, single momma all on her own, no child support or government (not by choice), and well luckily I’m pretty and it pays the bills. Yet this one I haven’t been able to fix since May, I need to fix it! Just want to know if I should fix (if so how to pay for that), trade it in with bad credit, or just pray for a miracle to help me? I need a vehicle to make income, to achieve goals, to take my son to the hospital when he gets ill; I just want my ride or a ride at a rate I can afford, how can I get that to get my life back?

The car is a 2003 Chevy Malibu with 150000 miles on estimate; don’t get to see it often as it sits on my folk’s driveway. It has an upside down loan out on it, the repairs are to replace engine and motor is locked. I’m looking for a way to fix it that is cost efficient for my status or to trade it in without having to pay monthly payments that are insane for a new to me vehicle( looking for cheap payments) I need a vehicle for work purposes, childcare, and to go to school. What are some ways to fix my predictment that what I’m inquiring? I’m all alone with no help, I’m seeking advice or actual people whom can help me achieve a better outcome than what I’m dealing with. What should I do?

How can I get a car going, in desperate need of one or some advice????

I’m looking for good heart and suggestion as to how I can fix this issue, not rude comments. Please I have already enough stress, I’m seeking advice as to how to fix mine, thats all. Not nasty comments.
14 minutes ago

Reminder I’m asking about how to fix my car and the problem I’m facing. Sorry if I offended anyone by having a good self esteem and confidence I’m not willing to loose over having problems.
I know this is not going to be free. I’m curious as to an affordable resolution to my problem that will get my car to be fixed or to get another vehicle? Is there a way I can make payments for it to be fixed, should I go to a school and buy the part for it to be fixed, should I trade it in( what type of vehicle would not make my payments sky high trying to stay under $400)or should I just give up and repo it? What is repo and how does it affect another car purchase?
I make money just haven’t hit enough to have that extra cash to fix my car, if it was a grand I’d do anyone and anything to earn the cash, I already do. I simply would rather know my options as to how to resolve this matter. So far all I’ve read is all I’ve done. I’m not an idiot or else I would still be living out of just a car and would of not been able to keep my son, I wouldn’t of been able to pay for a home, childcare,my broke down car, my life. This is a problem that is making my life strained because I want to be able to make my modeling gigs, bring my son to the hospital,go to college, and make my money however I can. I’m not looking for sympathy at all, my interests is to resolve this car problem how can I???

Wow that was alot to read, it sounds like you simply want a free fix for the car and it doesn’t work like that. If you need an engine you have three options, one is stop making payments and have your credit ruined, two is replace the engine while still making payments, three is to continue to make payments and get another car. You bought the car, you inspected it prior, I dont understand what the problem is, pay to fix it or get rid of it, either way you are responsible for the car payments on a car with that many miles even if it doesn’t run.

In May of 2007 I broke my ride and still own it. In San Antonio 2007 it rained so much, too much, it flooded out my car. So here are the chains of events which lead to my car being an issue. My car got flooded
•Was towed and dried out-worked but ticked
•Brought to an oil shop to drain water-
•Oil shop never removed oil-
•Car breaks-
•Get quoted for engine replacement and motor cost-$3,650
•Claimed to insurance
•Apparently was in between coverage when incident occurred (no INS coverage at time of incident)-got lawyer to lawsuit oil repair shop
•Fired lawyer (got ripped-off)
•Stuck making payments on a broke vehicle
So what can I do?
I’m a young college student, single momma all on her own, no child support or government (not by choice), and well luckily I’m pretty and it pays the bills. Yet this one I haven’t been able to fix since May, I need to fix it! Just want to know if I should fix (if so how to pay for that), trade it in with bad credit, or just pray for a miracle to help me? I need a vehicle to make income, to achieve goals, to take my son to the hospital when he gets ill; I just want my ride or a ride at a rate I can afford, how can I get that to get my life back?

The car is a 2003 Chevy Malibu with 150000 miles on estimate; don’t get to see it often as it sits on my folk’s driveway. It has an upside down loan out on it, the repairs are to replace engine and motor is locked. I’m looking for a way to fix it that is cost efficient for my status or to trade it in without having to pay monthly payments that are insane for a new to me vehicle( looking for cheap payments) I need a vehicle for work purposes, childcare, and to go to school. What are some ways to fix my predictment that what I’m inquiring? I’m all alone with no help, I’m seeking advice or actual people whom can help me achieve a better outcome than what I’m dealing with. What should I do?

How can I get a car going, in desperate need of one or some advice????
I’m looking for good heart and suggestion as to how I can fix this issue, not rude comments. Please I have already enough stress, I’m seeking advice as to how to fix mine, thats all. Not nasty comments.
Reminder I’m asking about how to fix my car and the problem I’m facing. Sorry if I offended anyone by having a good self esteem and confidence I’m not willing to loose over having problems.

You could call some shops and get prices to put a used engine in the car, would be cheaper. If the whole car was flooded I would expect alot more trouble with the rest of it after the engine is fixed, maybe not worth fixing.

We are in the process of getting life insurance quotes. Married, wife is 23 and husband is 27 (he is a pilot so has horrible rates). At first we thought we would want a 30 year term policy for $300k. When we met with an agent he gave us quotes for term and universal life. The premiums were about $30 more a month (increased from $170 to $200 for the two of us) for the universal life policy. I would have never considered a permanent policy until receiving these numbers as from my research I thought we would get very low term rates and unaffordable permanent policy rates. $200/month is unaffordable so we are likely going to drop our amount of coverage to the minimum we’d need anyways. I don’t foresee us to need insurance after the 30 years is up, we would rather invest on our own, etc. Just looking at the cost per month and that after 30 years we’d be out the $170/month with nothing to show except peace of mind vs. after 30 years paying $200/month having a bunch of money guaranteed to us (another form of retirement savings although with high fees), would it be dumb to choose a term policy because of our weird rates? Which should we pick (I am still shopping around to make sure I can’t get a better deal on term but this is going through our family’s agent)? Thanks!
From the guaranteed projections for this 50% fixed 50% variable (based on S&P500) policy we would come out ahead vs. investing the $30/month difference on our own. Otherwise, I would never even consider this. I had always heard it was better to get term insurance. Thing is, our rates are so high as my husband is a pilot (otherwise it would be under $80/month and term would be a better deal). The goal is to protect the surviving spouse against our debts for the next 30 years while we expect to have debts (or our parents if both of us die). Are there any other types of permanent insurance that we should look at instead that may still make more financial sense than universal? I am also getting more quotes to see if this term quote was high. Also, this rate is subject to decrease after they evaluate the questionnaire my husband answered about his flying (the agent assumed he would get the same rating as his other clients who are pilots). We have separate retirement savings.

It’s impossible to say which you should pick, because from what I see, you’re "trying to get a deal". You haven’t done the MOST important thing, when buying life insurance – SET THE GOAL.

What’s the GOAL you want the life insurance to acheive?

Keep in mind, life insurance is primarily a DEATH planning tool, and a for most people, a crappy investment tool.

Always RUN THE NUMBERS. Then, check the guarantees. Many agents sell Universal Life based on the BEST possible scenario – which leaves many, many MANY unhappy insureds when the market is down – like now.

Set your goal. Compare UL products based on minimum GUARANTEED returns. I think when you read the small print, the amount that’s GUARANTEED, is NOTHING.

And compare to average stock market returns here:http://www.msfinancialsavvy.com/calculators/monthly_deposit_savings_calculator.php

$30 a month for 30 years at 10% – stock market average – adds up to $$69,000. Compare that to the GUARANTEED amount on the UL, and verify that the PREMIUMS are guaranteed level, also.

I’ve wanted to fix this forever, and have tried recently, but there doesn’t seem to be any information on removing this small problem when I search google.

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Does anybody know how I can remove this, so I can actually stay on the website when it 404’s instead of redirecting to this below mediocre search page?

If this same page appears on any website that 404s, either your ISP or a browser plugin/toolbar is hijacking the page. First try disabling any toolbars you have on the browser, and if that doesn’t work, try contacting your ISP.

For example, since I no longer work full-time, I now handle all the bill-paying and have had time to set up our life insurance / will / trust (something we didn’t need before having a baby), check quotes to improve our insurance on other items, redo our investments and move around checking / savings accounts as well as get credit-cards where we get a better interest rate or cash-back reward program.

I never would have had time to do all of this at work (especially since all calls have to be made during business hours) and I am wondering if any other new mom’s have also become the new CEO / CFO’s of the household now that they are home during the day??

Being home during the day sure makes doing these things easier although you are going much further than I ever did. But yes, by default I became the person to handle the family business when I began staying at home.

How many times does the IPCC have to screw up before they are brought up before the World Court and disbanded??!!

“Global warming: Some errors are more important than others–especially when money is involved”

February 15, 1:11 PM Environmental Policy Examiner Thomas Fuller

The IPCC, through their propaganda arm, Real Climate, has acknowledged a major error in their report. This was the often-repeated prediction that Himalayan glaciers would lose 80% of their mass by 2035.

However, they acknowledged this in 2010, after being first informed of their error in 2004.

The IPCC continued to trumpet this mistake until January of this year, as it was a magnificent piece of propaganda–the majestic glaciers, the poor who depend on the moisture locked within, etc.
Why did they wait 6 years to acknowledge their mistake? Obviously, because it was useful to them.

The IPCC is sitting on another mistake, just as large and just as important. It has been called to their attention, there is no ambiguity–the IPCC is in error–but they cannot acknowledge it yet. Nor has their house organ, with Real Climate repeating the error yesterday and refusing to correct it when the scientist involved called it to their attention.

For years, activists have claimed that global warming would cause more damage, death and injury due to more violent and frequent storms and increased flooding. Because property damages are covered by insurance, it’s fairly easy to measure and in fact property damages have climbed steadily throughout the historical record.

It turns out that property damages have climbed for other reasons, however.

All of the increase is explained by socio-economic factors. People have been building expensive homes along the sea, and increased population has caused settlement of river deltas. Those two factors explain all of the rise in property damages (loss of life due to storms has plummeted dramatically, mostly due to satellite weather forecasting).

Roger Pielke Jr. is a scientist who has studied this extensively, and has published peer-reviewed papers that show it emphatically. His work is supported by countless other papers. There is no controversy, no dispute in the halls of academia. There is no evidence of global warming contributing to a rise in property damage due to floods or hurricanes.

So when the IPCC report in 2007 made the claim that there was a historical record of an increase in property damage due to global warming, this was strange. When they invented a graph that purported to show this, it was stranger. When they took an unpublished paper and lifted a quote from it that seemed to support their position, it was bordering on the bizarre, especially as the published paper contradicted their position. And when they baldly lied about Roger Pielke Jr.’s opinion on the subject, it crossed the border into agit-prop.

Why would the IPCC baldly state a proposition that is contradicted by the entire scientific record?

The answer is financial. ………… the reinsurance industry has been a very vocal backer of the IPCC, and adjusting their actuarial predictions of projected loss claims (and, umm, their rates) in accordance with IPCC publications, while providing very useful private sector backing for the IPCC. If conservative big money institutions like insurance companies are making decisions based on global warming, it must… be… true…

But it isn’t.

One reason why the IPCC might be reluctant to admit error is that the embarrassment would fall on them, but financial impact from wrong estimates would fall on their supporters in the insurance industry.

The IPCC’s poor recent record on climate change reporting has had a devastating effect on carbon traders, who are fleeing the industry in droves because support for Cap and Trade is disappearing in the US and Australia.

The IPCC obviously doesn’t want to be the kiss of corporate death for another sympathetic sector–at least not in the same month.

http://www.examiner.com/x-9111-Environmental-Policy-Examiner~y2010m2d15-Global-warming-Some-errors-are-more-important-than-othersespecially-when-money-is-involved

Dent Arthur…… I tried it again and got right in. You may be having a connection or security problem??

While we’re disbanding the IPCC, perhaps we could do away with the entire UN. Den of spys, thieves and people who don’t pay parking tickets.